it is very easy. just click and done. but normally you purchase today, u buying at tomorrow price.

sometimes i use cimbclicks to make payment before 12pm, they still price me the next day price =(

if the return is similar with amdynamic bond, i think still better than many bonds

This post has been edited by holybo: Nov 1 2012, 05:13 PM

The amtactical funds will have higher charge, if u simulate 1% entry for amtactical, u will get the same result as 1% exit charge for amdynamic

Errm.. assuming you invest RM1000 in fund, given 2 scenario, first is 1% initial charge, another is 1% exit fees. both with 8% annualized return.

First scenario, 1% Exit fees

Initial investment: RM1000
First year : RM1080
Second year : RM1166.40
Third year : RM1259.712

If u cash out on first year, RM1080*0.99=RM1069.20
If u cash out on second year, RM1166.40*0.99=RM1154.74
If u cash out on third year, RM1259.72*0.99=RM1247.12


Second scenario, 1% Initial fees

Initial investment: RM990 (RM10 for sales charge)
First year : RM1069.20
Second year : RM1154.74
Third year : RM1247.12

Therefore, both of the scenario you will get the same result. The difference is charge later, so that you have more money in book?

In conclusion, the amtactical charge will be higher than amdynamic. Hope my calculation is correct.