Fund selection and allocation

• Always 2 thing to consider when create portfolio. Risk (volatility) & returns.

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• Use excel sheet roughly calculate. The current portfolio ~8%+ p.a. (long term)

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• What i never calculate is the volatility (std deviation) of the portfolio. U can calculate yourself.

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• As long u are happy with the returns and ok with the portfolio volatility then switch.

Did your adviser asked you to switch? or your own decision.

asking is because a good advisor will be able to explain to you the reasons for switching (and not simply "because my manager says..... ")

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but if it your own decision, you should be already have certain knowledge about investing to be able to pick out the new funds choises. so, why not let us know your reasons for wanting to switch?

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generally, i will only switch if i no longer believe in the funds' management styles, misalign with my values, poor future outlook.

i do not sell just because fund underperform in a short term.

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another thing to take note, if you still want to hold the new funds in pulsar, make sure you are aware of the associated fees (transaction fees, holding fees) i understand that fundsmith funds has quite high expense ratio. otherwise fundsmith is an outstanding fund to me but i have not found a decent platform to buy.