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apple developer enterprise account for rent(buyappleacc.com):Building and maintaining a profitable trust portfolio

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,Yap Ming Hui:"I would like to share some best practices that have been developed over the last two decades of my advisory experience to support investors to build and maintain a profitable unit trust portfolio. If you apply all these best practices correctly, you should be able to reduce unnecessary risks and even enhance your portfolio returns."

FOR many investors, investing in unit trust has been challenging. Despite holding the investment for many years, they have not been able to achieve satisfactory return.

I would like to share some best practices that have been developed over the last two decades of my advisory experience to support investors to build and maintain a profitable unit trust portfolio.

If you apply all these best practices correctly, you should be able to reduce unnecessary risks and even enhance your portfolio returns.

So, if the mission is to build a successful unit trust portfolio, where should you start?

Set your target return

As with any task you embark on, the first step is to understand your goals, which in this case is your target returns. What range of return on investment (ROI) are you looking to build in your portfolio?

If you expect to get 8% on your annualised investment returns, you don’t want to put all your units into bonds and money market funds. A portfolio like this is very unlikely to give you an 8% return over the long run.

Instead, your portfolio should comprise at least 50% equity funds. This may sound like obvious advice, however, you’d be surprise to discover how many investors are holding a unit trust portfolio that is not at all aligned with their target ROI.

Determine your asset allocation

While deciding the breakdown of the asset allocation of your investment portfolio, it is important to ask yourself the following questions:

> What is the split among the key asset classes such as equities, bonds and real estate investment trusts (REITS)?

> Is this ratio suitable for your risk profile and age?

> What is your exposure to local, regional or global equities?

> Should alternative assets such as gold or commodities feature in your asset classes?

Once the ideal asset allocation has been determined, the next question one should ask is, does it fit in the current environment?

If the ringgit is weakening, it may be better to widen your exposure to foreign investments. This diversification may increase your risk-reward ratio. Thus, giving you better returns while potentially lowering the volatility and performance drag of underperforming markets and asset classes on your overall portfolio.

By diversifying overseas, investors are also able to capitalise on stronger currencies while tapping into the growth potential of multinational corporations with access to larger markets.

For example, a client once invested RM200,000 mainly in Malaysian small-cap funds. Nevertheless the performance of Malaysian small-cap has been up and down. Following our advice to diversify to more asset classes overseas, my client is now able to tap into more opportunities and enjoy better returns.

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