https://www.fsmone.com.my/ is licensed by the Securities Commission Malaysia.

What if this company missing. Where go all our saving money?

What fund to purchase?

Higher than FD enough.

AIA PB wealth elite xtra 2 any good review for long-term of ILP

Hi all, I'm a freelancer, basically managing the website / editing part of the job scope for a friend's overseas company.

Let's say that for example every month I have only RM 200-250 of extra money, and I get to choose between putting it in long-term investment like ETF or EPF, which should I go for ? I know it's mandatory for employees to put 11% of their monthly salary into EPF, but as a freelancer, where should I choose to put this extra cash into ? EPF or ETF investments ?

So even me being a freelancer, I should make it a habit to put 11% of my monthly salary into EPF consistently ?

Ok got it, so in that sense, EPF will be the last option for me, and only to put into EPF if I have extra funds, if not then put aside savings, then ETF investment ( which I am already putting in monthly ) then lastly EPF right ?

Hello. Don't know if it's the right channel/forum. Any of you guys have any ideas where can a service-provider-related business (2Y+ operations) can get a funder to assist with Opex/Capex? Right now, one of the ways that we're thinking of raising funds, is via giving a 10%-20% return, for a four-month "investing" period for any funder interested. It’s on a project basis, with the guarantee that payment will be made by client. Nonetheless would also appreciate if any of you senpai senpai here can advise how do I best get funding/loans - with my nature of business.

that is crazy high !
Public mutual 5.5% also very high already

By the way does sales charge subject to SST now?
Since it broadens to finance service charges

correct, 8% of the 5% sales charge
RM1000 charge RM4
RM100k charge RM400 = RM5900

Meaning from 5.5% to close to 6%

This is easy money to government lol

Thinking of withdrawing my funds from Public Mutual.
Some funds are performing so bad (4 years period).
Wondering where i should invest in.

Firstly i admit i did not invest outside PM (for mutual funds). But i do have mutiple funds within PM. Some perform, some doesnt.
Hence, the question here on alternatives.

No point of keeping your money for 4 years and getting worst return than FD.

which fund houses that you recommened?

Based on your advice, i am sure you had done what you are suggesting.
Hence, in your comparison study (even though you are not focusing particular fund houses), i am sure you noticed trends such as good fund houses compared to PM.

Say for example, for funds such as AI or ESG related funds. What is your take on good fund houses?
I am just asking to get some ideas for alternatives, thats all.