What is the best AIA Pro Achiever Fund Allocation?

Hi there,

The Regional Equity fund does not have Japan shares as its holdings because there is a separate Japan-fund for that. The Regional Equity fund does comprise South Korea as one of the countries within the Asia holdings so companies like Samsung are one of the top 10 holdings within the RE fund. A large majority of its holdings are also in China (apprxoimately 30% actually). The reason is because there is a lot of potential for growth with China with its demand on consumables while not withholding the China Big Tech as well.

Of course these funds, being equities-driven, will potentially produce a better return in the long run than Fixed Income since fixed income fund comprise mostly safer assets.

It all depends on your risk appetite and the opportunities you want to capitalize on. RE is one of the funds I'll always include in my client's portfolio since there is a lot of cash flowing into Asia (Philippines, Indonesia etc) since a lot of them are developing countries as well following the high valuations of US equities so ultimately, you won't go wrong if you diversify your portfolio further.

The benefit of the plan is that you can continue to do a fund switch if you decide to, so called, "lock in your earnings" so thats where Fixed Income come in. Hence, Fixed Income is not for capital appreciation. If you're looking at capital growth, go for the equities related fund But if you want to capitalise on opportunities, do go ahead with switching your fixed income portion to equities.

If you are really adventurous, 80-100% of your holdings should be equities related. A template I have normally is 40% Tech, 30% China Equities and 30% Regional Equity. I won't recommend the Japan fund since its growth is rather lacklustre but if you strongly believe in it, do let your agent conduct the switch for you. All the best!

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To begin with, we will need to know a couple of things, e.g. risk appetite, investment objective, investment horizon. All these factors will help us to create a portfolio that you are comfortable with.

For example, what is AIA Pro Achiever's allocation to your entire portfolio? How much bonds or safer assets should you hold?

Given that there is a 12 years commitment to this plan (to avoid partial withdrawal charges), how can you use this timeline to your advantage?

When you mention about investing into Japan and Korea markets, have you studied into those markets? And does such diversification fulfil your overall investment objective?

Assuming that you wish to do a fund switch, are you going to switch your existing allocation or the new premium?

With so many questions and variables, I will suggest you to speak with your agent who will be in the best position to give you the answers and to create an optimised portfolio that you are confident investing into.

For one thing, there is no best allocation. Instead, there is one that you feel most comfortable and confident putting your money into.

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