After clicking at the earlier link...
Click the 3 lines at the top right hand side.
Click the investment link fund fact sheet (see image)
See page 29

Also do take note,... It seems like this is an investment linked products.... Have to pay monthly insurance charges, cannot buy on Yr own, highly focused fund.. Very high risk fund

🤔🤔 See the printed note: it has "WARNING" words to warn you.
What you see is not what you will get for Yr ilp product??

This post has been edited by MUM: May 30 2022, 03:26 PM


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Currently starting unit trust investment NOW is definitely better than if started 2 yrs ago.
Just not sure if starting now would be better than if starts 2 yrs later from now too.

Just be aware of the sales charges when you buy from them. There are platforms that charged much less.

Just do take note that: Past performance is not indicative of future performance.

This post has been edited by MUM: Jun 22 2022, 02:20 PM

With that kind of amount of charges,.... Just go for FSM for ut investment would be my preferred option between that n fsm

If for purchase unit trust funds,... Then max % would have been spelled out in the fund factsheet or prospectus.
Just not sure if it was for special individualised private fund management arrangement

This post has been edited by MUM: Jun 24 2022, 03:11 PM

While waiting for responses,... My guess are, it depends on what unit trust funds that they holds,...
Maybe can use this tool to try seek out "best performing" or "worst performing" funds ytd? (excludings public mutual funds)
https://www.fsmone.com.my/funds/tools/best-...orst-performers

This post has been edited by MUM: Jul 15 2022, 01:09 PM

Recently some platforms got mentioned in this thread,...
Ex: post 1361,
[DIY] S&P 500 Index w/ 0.07% Annual Fee, Buy the best companies in the world
https://forum.lowyat.net/topic/4744515/+1360

More in that thread too,.. Can post Yr question there too to hv more chances of getting more valuable information

rebeka, wish you could assist.

If rebeka did not response, you can try PM rebeka

hope my maths and my thinking is ok....

if your portfolio has that 3 funds but they consisted of 30% of your port
that means IF you have RM100k in investment and out of that RM100k, RM30k (30%) are in that 3 funds

if each of the 3 funds has same 25% allocations into Tech stock that consisted of the same players like Alibaba, Tencent, Taiwan Semiconductor, Meituan, Nvidia, Google, etc.
that means just 25% of that RM30k or just RM7.5k is into Tech stock that consisted of players like Alibaba, Tencent, Taiwan Semiconductor, Meituan, Nvidia, Google, etc.

7.5k out of 100k is just 7.5% of your portfolio is into Tech stock which would consist players like Alibaba, Tencent, Taiwan Semiconductor, Meituan, Nvidia, Google, etc.
are you still not OK with this 7.5% allocation?

This post has been edited by MUM: Sep 3 2022, 08:37 AM

from my earlier example,
if you really think that it is too much to have 7.5% of your total port into tech sector
you can try reduce it,....
(may not be correct as this is just a usual non qualified suggestion.)
if you liked, you can perhaps base them on the "worst" performing funds out of the 3 funds you are having.
maybe perhaps compared them side by side against similar duration period,...ex: 3mths, 6mths, 1yr, 3 yrs and 5 yrs.?

i just read this just now,...

thus just a cautious note to all unit trust funds promoters or seller of any kind of CIS products.

your buyer can sue you for "deceiving/tricking", just not sure of the exact details presented that lead the buyer into buying it.

Lelaki itu didakwa menipu Datin Seri Alauyah Jaafar, 58, dengan memperdayakan mangsa dalam pelaburan PIOF (Public Mutual) dengan pulangan tinggi sehingga mendorong mangsa menyerahkan wang RM150,000 melalui cek ke akaun syarikat tertuduh.
https://www.astroawani.com/berita-malaysia/...elaburan-380235

https://www.msn.com/en-my/news/national/bus...54366fd031ff2ac

this PIOF is just an example of this current case,...if the buyer wins the case,...then more funds from other fund houses can be next.

The man allegedly deceived Datin Seri Alauyah Jaafar, 58, by tricking the victim into a unit trust investment promising high returns, which prompted the victim to hand over a RM150,000 cheque made to the account of the accused's company.
The offence was believed to have been committed at a restaurant in a shopping centre at 7pm on April 25, 2017, (refer to the image for the performance then,...)

anyone got "insider" information to share abt the "tricking" case?

This post has been edited by MUM: Sep 10 2022, 10:11 AM


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Those that had experience will do it ownself DIY.
For if not mistaken ...if do it thru agent will cost more

Which principal ut fund charged 8% sales charge?
I thought max is only 5-5.5% sales charge only?
Can try DIY platform from

https://www.fsmone.com.my/

Charged only about less than 2%sc for equity funds.
Contact their client investment specialist to determine what is your "low risk" investment really mean.

Jfyi
Fsm client investment specialists are very helpful and they don't charge money.

Which platform is that?

If you did not gives prior consent in any signed form, ....then can complaint.
But if you did signed any form or forms with "small" prints that authorised the "agent/company" to manage it for you, (something like managed account) then, .... nothing wrong.

Did they charge you for each moving/switching of funds?
Some "agent" made additional commission from these sales charges or switching charges. They charge by EACH fund, each time.

If no charge, then where got commission?

If the platform that allows agent to moves client's funds around without client's consent, ....then better move all out, and go ele where.

If you are comfortable with the current one...thenvstick to it.
What can they do or willing to do ensure that the agent can never access your account again?
Will a new agent for that again?

FSM managed account portfolio = they hv and can make changes to your holding very frequenty...no charges applied for exchanging funds....just the usual portfolio mgmt charges.
They hv no access to make changes to your none managed portfolio account.

above is his problem...
that post and a few more of his posts gives more details

This post has been edited by MUM: Mar 11 2023, 03:40 PM

Whats the difference : FSM managed account portfolio vs Stashaway ?
Try explore FSM website,...
https://www.fsmone.com.my/managed-portfolios

Try explore Stashaway website
https://www.stashaway.my/general-investing-stashaway

simple summary,
FSM is focused on UT investment
Stashaway is focused on ETFs investment
FSM costed more to buy & hold than Stashaway

Is there a different thread or other forums where I can ask for more opinions?
FSM thread
FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing
https://forum.lowyat.net/topic/4193169

Stashaway thread,
StashAway Malaysia, Multi-Region ETF at your fingertips
https://forum.lowyat.net/topic/4750563

This post has been edited by MUM: Mar 11 2023, 09:47 PM

buy and keep for 10 years = peace of mind???

that was 30 yrs ago,....

since S&P500 etfs is directly corelated to S&P500 index.
if you are not lucky enough,....then it could be the reverse too ....have to wait long long time to breakeven

the attached chart i got 12 months ago...



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