
This is one of the most important of all...just think of it as your retirement fund if you can.
In my case, I pulled out all my equity and balance fund after 10 years since I manage my own fund now...but my fixed income fund still there for parking short-term investment (not advisable if its small amount kay kaunon ra sa mga front-end/back-end charges)
Ang fund managers man gud sa fixed-income funds has greater leverage compared to small investors when it comes to long term bonds and fixed income securities...need millions to be able to compete with return.