Been with FSM since 2009, highly recommended

+100

5-6% sales charge for balanced/equity funds is simply outrageous, in a reasonably good year, 1st year profits just to breakeven

This post has been edited by Pink Spider: Jan 11 2012, 11:31 PM

just wait them to post u the password only lar...like that oso kenot wait?

when u open account with them u need to give them a designated bank account, so ur withdrawals they will EITHER mail u a cheque or bank in the cheque into ur bank account, at no extra charges

but somehow they got my portfolio profit/(loss) wrong

nvm, as long as they get my current portfolio value right ok liao

CIMB I dunno, last time I paid using HLB

After u processed an order in FSM, there's a link to direct u to HLPay

It baffles me why SO MANY people just can't be bothered to check out the website thoroughly and look for the answer...
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=2409



This post has been edited by Pink Spider: Feb 20 2012, 02:59 AM

I have
OSK-UOB KidSave Trust - current recommended fund
AmDynamic Bond - FSM all-time favourite MYR bond fund
AmBond - current recommended fund
Eastspring Investments Global Leaders MY Fund - past recommended fund
Eastspring Investments Global Emerging Markets Fund - past recommended fund

do I answer your question?

of cos, I also did own analysis and selection too

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Added on February 21, 2012, 10:43 am+100

ppl should learn to TRY find out on own initiative 1st, nowadays most online sites are self-explanatory

This post has been edited by Pink Spider: Feb 21 2012, 10:43 AM

Refer to FSM's "Recommended Portfolio" for a rough guide on building a diversified portfolio

MYR Bond
MYR Equities
Asia Ex-Japan Equities
Emerging Market Equities
Global Equities

The % of each is up to u

Sorry I'm never interesed in MYR Equity funds, prefer exposure to MYR equities thru MYR Balanced funds

bcos they have most of the fund houses

bro, mgmt fees and exit fees (if any) are charged by the Fund Manager, not FSM. FSM is just an "agent" for the Fund Houses. Like AmDynamic Bond, whether u buy from AmBank or Hong Leong Bank or FSM also 0% entry, 1% exit. Mgmt fees also no difference.

FSM make money from not having to support agents and low overheads from having to maintain only 2 offices nationwide (if I'm not mistaken they only have offices at KL and Penang). If they wanted to they can even operate from just 1 office.

However, I agree with you on red
Not everyone has the ability, time and initiative to comprehend how UT works. An agent would be helpful for them. Just as some ppl can trade shares on9, some prefer the services of a broker and they don't mind paying more brokerage fees.

This post has been edited by Pink Spider: Feb 24 2012, 12:40 AM

Y I TAK PERNAH THOUGHT OF THIS

I thought MYR Focus Balanced Fund (KidSave should be classified as "MYR Focus", becos it has mandate to invest up to 30% of its assets in Asia Ex-Japan), I can every month close 1 eye buy in RM100 regardless of market condition and leave the balancing work to OSK-UOB...

So far KidSave doing not too bad mar...averaging 10% p.a.

but Kenanga Growth doing in excess of 10% p.a.
AmDynamic Bond also senang2 can do at least 6% p.a.

Ok, I'm dumb

but problem is Kenanga Growth is 100% MYR...I wanted some exposure to Asia Ex-Japan

This post has been edited by Pink Spider: Feb 24 2012, 01:26 PM

Today baru topped up RM150++ into KidSave to make it round RM500
Nvm lar amount not big, just leave it there to grow

Bond - AmDynamic
Equity MYR - Kenanga
Equity Asia Ex-Japan - ???

OSK-UOB Equity Trust last time an outperformer...they can invest up to 50% in Asia Ex-Japan with remainder in MYR Equity I think. But last 1-2 year sink into oblivion

FSM got Eastspring Investments Asia Ex-Japan & Asia Ex-Japan Shariah, the Shariah variant seem to be doing quite well

Pheim Asia Ex-Japan more into Asia Ex-Japan small-mid cap

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Added on February 24, 2012, 1:46 pmWong Seafood

Well said

This post has been edited by Pink Spider: Feb 24 2012, 01:46 PM

Then u gotta pick 2 funds from same fund house

Prob is, AmInvestment dun have an obvious strong performer in MYR Equity category

This post has been edited by Pink Spider: Feb 24 2012, 01:50 PM

gark, u troll me

Q: Is credit system applicable to all switching?

A: No, Credit system is only applicable to Intra-switch, not for Inter-switch.
However, there are certain funds which are not available for Intra-Switch. Please refer to SWITCHING OF FUND FAQ for more information.

http://www.fundsupermart.com.my/main/faq/faq.svdo?id=2001

so, conclusion is, Balanced Fund only suitable for ppl who dun hv time n skill to balance his portfolio i.e. lazy ppl

lucky i only bought RM500...

The very reason u mentioned is the reason putting me off this fund

Among Asia Ex-Japan markets, Malaysian shares have one of the highest PE valuation at the moment. And recent corporate earnings do not seem to be too rosy...

Dividend in UT is TOTALLY different to dividend in shares

Yea it's purely left hand go right hand, zero effect

Refer to FSM's "Recommended Funds" and "Recommended Portfolios"

Alliance Global Equities Fund also have been a solid performer, but it's a lot more riskier. 2/3 in growing Asian markets, 1/3 in US, UK, Germany, France & Japan.

Eastspring Investments (Formerly Prudential) Asia Pacific Shariah Equity also a solid performer. Asia Ex-Japan equity fund.