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[OTHERS] Case study : CIMB Investment Bank Principal Guarantee Best Of Guru Funds Total Returns 2.44% only in 3 yrs.

You may get very low return over fixed period of time like CIMB
bank best of guru funds which I have invested 3 years ago.

Why ? because the timing is bad. The funds dipped 61.38% over the period
Jul 2008 to Feb 2009 where the funds was invested in 8 August 2008.

The KLSE situation look similar to August 2008 now. If you invest now
in most KLSE counter, it may take 3 years to get back to the present price level. Unless you can take modest profit and sell, it would be risky....
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