Cannot do like that, referral is like this

- Referror send referree e-mail and name to FSM
- FSM send e-mail to referree
- Referree sign up using that e-mail link

Aoisky, no sifu lar i, just poking around semi-blindly.

Well, FSM said "encouraged to go physically", and said can go off once U register and put in your BUYs in their list.
ie. go there 10am & go off 10:20am 

but but... U'll miss the chance at the $10K lucky dip coz if U are selected AND U ain't there physically at around 6pm... NEXT! 

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Added on January 3, 2013, 10:55 pm
Good idea - i'll lug along my PC & Excels, U guys (Kaka confirmed right? Pink how ar? Who else?) bring along your thumbdrive/Excels and we'll have a geek-investor-semiquant teh tarik session

er.. please confirm fast else my partner may create different plans

I am going from pj, taking the lrt..

I will text Wong seafood there just to say hi...

Can walk in without registration?

Correct

To illustrate further, let's say u have

Fund ABC 3-years average returns: 5% p.a.
Average MER: 1.6%

Fund XYZ 3-years average returns: 5% p.a.
Average MER: 2.2%

It means that XYZ's gross investment returns are actually higher than ABC, but the net returns are dragged down by higher expenses relative to ABC.

Akauntan Buruk mari

Cost: RM2,500.00

Current valuation of your units: RM2,469.96

With FSM, the (profit)/loss is calculated by COST less VALUE, thus
= RM2,500.00 - RM2,469.96
= RM30.04

You are right, the moment u make a purchase, the Sales Charge is considered a "loss"

why u invest 2500 but current value only 2469.96? is the current value after minus sales charge?

For me personally, for ease of performance review, I actually made it a point to purchase units at NAV + SC, e.g. if I wanna top up RM100 on Fund ABC, I would purchase RM101.75 (SC = 1.75%)

oh nice way btw, wat is short duration fixed income fund? any example of it?

actualy which one better, CMF or MBB FD?
coz MBB at least can get 3%p.a

CMF i get the concept, is just like having bank acount with higer interest rate and u can use anytime for topup ur UT.
but how hight is the interst rate?
bcoz if its lower than 3%p.a like MBB FD..i pretty reluctant to use that service

Back to reality after long CNY holiday...

Come on guys, pakai a bit of naughty imagination...

There is no lock-in period for RSP contracts with FSM.

Start RSP for Fund ABC now e.g. for RM100
15-Mar-2013 will buy in RM100 (date for all RSPs is 15th)
Immediately after that, terminate the RSP
Voila, u have made an Initial Investment for only RM100

Don't tell FSM people about this