Dad not working and got no savings, I simply had to

Hi pink spider,

  Your Local UT fund wont drop together KLSE lau sai....? except you hv switch to bond fund.

Ya, planning to get some oversea fund thru FSM. But my current holding of malaysia fund in PM still in loss, my target to sell it when around 5% profit. It was a mistake 2 years ago buying few PM funds with same portfolio.

I am newbie to UT 2 year ago, without knowing much info, walk in PB look for PGF, end up I only i can buy PB series fund. So I decide on PBGF on the spot, and it is the only fund with agent (the bank agent which I not really know him, he did keep on call me for promotion when I keep on top up every month.)

I hv apply PMO at the same time. After that, i buy PGF online. It is because I choose it before go to PB and feel must buy it. It was the first mistake, buy 2 growth that nearly same portfolio. Actually I can see the NAV everyday hv the same pattern. After few months, I get know that PSMALLCAP is open for investment again, I quickly buy it with DDI, and I don't know it is mistake or lucky. Mistake side, buying all Malaysia equity fund, no diversification at all. Lucky side, PSMALLCAP is the fund make my total investment return with positive number.

For sure I can sleep well with drop happen, i did prepare for total drop not more than 25%. My challenge now is to exit from 1 or 2 malaysia equity fund and shift to asia or global fund. I am looking for a good timing. my fund is not in huge amount, i am not rich guy,    .

I feel lucky to get in this forum, and make me known to FSM. My initial purpose joining Lowyat forum is because buying a new Lenovo laktop and require some advice from forum here. After I settled down my laktop, I see around the forum and found here. Between FSM and PM, I am not deciding the focus yet, i only can tell after I get some UT from FSM. Currently, my DDI in PM still will be maintained.

But unfortunate that I am JB people, no fair here    , only hv in Penang and KL.

im very grateful because i already switched out from equity.

now time to go in.

\nn/

It is just my dreaming.
My point is when FSM growth, sure they need to cover major city in malaysia.

Mine actually climbed, EM bonds went up strongly

Hi all... I just want to confirm the 1 day promo sales charge apply only with purchase at the event on 26/01/12? What if we bought through online fsm website on that day, is entitled for the promo rates? I cannot go during the event as had scheduled task lor. Haih...

And do keep us updated ... Lol

Succesfully switched all to equity market fund.

But not for long, will go back into sukuk.

7 figure in total. Not big, kecik meow if compared to other consultants.
Yes. I trust my company products and the power of UT.

Although i said so, i wont stay there for long....

No switching fee maa..

Yes i am.

Hmm, why..? As long as they happy, i still get the injection.

Im doing this full time. Not part time. If part time, need to worry.

U too can be ut consultant if u think u are qualified enough. 

aiyo, jgn la bagi sampai loose wooo...

kena pandai main lor... this is my 3rd year already..

anything can happen YES, but need to be steps ahead from problems.

HOW? here i am seeking information.

ada guru ramai kat sini.

ur fault if client failed to understand.

so need to learn alot and explain to client.

on my side, my clients only want to know the initial investment and current value. how long, they dont care as long as can outrun EPF divy p.a. ... YES i manage EPF investment only. cash only a bit. not close to 6 figures.

it took me few months to remove the scared feelings to meet client.

now im still scared but slowly fade away the feeling.

praise to god.

---edit--

bolded part; that is my time to strike the market. it's an opportunity for me.

if i met 10 potential, 3-4 will invest during this time. provided they understand the risk.

agak-agak la.

hang perli aku ka oi?

i am among those asking noob questions around here.

Just updated my holding. For Hwang AQ, I'm getting around 5%.