Invest in specialised funds?

QUESTION:

Dear Mr Tan,

Would you reccommend the following funds:-

           Japan   Tech
Average    2.70%  -12.00%
YTD 2006  -4.20%   -6.40%

Seems to have produced negative results?

REPLY:

For a long term investor, I recommend the Combined Growth Fund.

The specialised funds (ie Technology or Japan) requires someone who is more knowledgeable about the market. As you are not familiar, I sugget that you should invest in the Combined Growth Fund.

Tan Kin Lian
CEO, NTUC Income