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 Fund Investment Corner v3, Funds101

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MUM
post Dec 7 2017, 04:19 PM

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QUOTE(asil66 @ Dec 7 2017, 03:56 PM)
Is the ASNB fixed price funds for bumiputra only?
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I googled and found this....
SUMMARY OF INFORMATION - ASNB FIXED PRICE FUNDS
https://www.ambank.com.my/ambank/SiteAssets...dPriceFunds.pdf

just not sure if there is any newer updates...
MUM
post Dec 14 2017, 12:22 PM

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QUOTE(PulseAngel @ Dec 14 2017, 12:02 PM)
Hi All,

Anyone know how can I withdraw my investment in CWA? I've lost my agent contact number coz its 5 years ago
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try contact cwa?
MUM
post Apr 10 2018, 12:15 AM

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QUOTE(yamasce @ Apr 9 2018, 11:41 PM)
hey guys need your feedback here and advices..i have invested in below funds:
1. affin hwang select asia (ex japan) quantum - overseas small cap
2. affin hwang select opportunity - msia large cap
3. kenanga growth - msia mid/small cap
4. cimb principal asia pac dynamic inc - overseas large/mid cap

am i making the correct diversification investment plan? are those funds good choices?

i am also thinking to diversify to india, china and global fundd..funds like manulife india equity, cimb principal greater china equity and eastspring..do you have any recommendations and advices?
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what is your % of allocations for those funds?
25% each?

there are some similar invested regions funds...like CIMB and Quantum...they are almost similar countries of investment....try see the individual fund factsheet to see if they are similar or not.

Kenanga and hwang select opportunity are of the same investment area too.

thus your portfolio are mainly abt 50% in Malaysia and 50% in Asia Pac region....

greater china fund are covering China, HK, Taiwan......which i think is coverred by your existing CIMB

for those individual country focused fund like india...can try 5% ~10% just for bit of diversification by be cautious that single country focused or segment focused funds like TA Global Tech are focused thus alot more volatile.

i cannot say if you are making the correct diversification or not ...for you need to see at 50% m'sai & 50% in Asia pac....is that what you wanted and are comfortable with?

googled and found this example....
bear in mind that this is just a concept and it is not a suit all persons portfolio forming concept....
"FSM introduce the concepts behind portfolio construction and management, and share with readers how the Fundsupermart (FSM) Recommended Portfolios are constructed."
https://secure.fundsupermart.com/main/resea...?articleNo=4383

This post has been edited by MUM: Apr 10 2018, 07:13 AM
MUM
post Apr 10 2018, 09:37 AM

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QUOTE(yamasce @ Apr 10 2018, 09:32 AM)
yes my overall allocation structure will result in 50-50..

although cimb and quantum looks similar but the allocations and strategies are very different..cimb focus alot more on overseas but quantum has more allocations in msia and SG..the market cap segment is different too..

are these funds good choices? what other funds that you guys can recommend? my criteria will b strong resilience during downturn, always outperform the index and can consistently generate double digit annual return..

should i invest in global funds as well? any recommendations?
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i would loves to have those funds that can consistently generate double digit annual returns and be strong resilience during downturn.....

please PM me when you found any......will you? Thanks in advance.

btw,....all the 4 funds that you had selected managed to achieves all your criteria?

This post has been edited by MUM: Apr 10 2018, 09:47 AM


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MUM
post Apr 10 2018, 09:54 AM

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QUOTE(yamasce @ Apr 10 2018, 09:49 AM)
lol ya i know my criteria might b unachievable but who knows...mayb close to 10% would b good..those earlier funds are juz baby steps so mainly based on research from fundsupermart, morningstar and lippers...now i want to strictly select my funds..hence the tight criteria comes into play..
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if you really understand these....
"Investing involves risk. Fund prices may go up or down. As a result, investors may sustain a substantial or total loss of investment in certain circumstances. Past performance does not necessarily indicate the future or likely performance of any fund. Investors should read the relevant fund's prospectus before making any investment decision. Investors should also appraise the risks involved by investing in selected funds. Investors that don't understand these risk or the nature of these funds should consult their own independent and professional advisors to ensure that decisions are made with respect to their personal circumstances and financial position."

btw, in your reasearch from fundsupermart......have you visited this page?
https://www.fundsupermart.com.my/main/fundi...formed=topFunds

and this too
https://www.fundsupermart.com.my/main/fundi...orst_Funds.svdo

these funds can shifts between these 2 pages without notice and in quick succession too....
MUM
post Apr 15 2018, 01:31 PM

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QUOTE(ongtomato @ Apr 15 2018, 01:20 PM)
Anyone here know any robo-advisor that can be use in Malaysia?

Would like to try using one.
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while waiting for responses,
I googled and found this...
hope it can help to provides some added info while you wait...
contact them and tell us about it?
happy investing...

Malaysia to have first shariah-compliant robo adviser
http://www.freemalaysiatoday.com/category/...t-robo-adviser/

http://www.theedgemarkets.com/article/news...sors-are-coming

This post has been edited by MUM: Apr 15 2018, 01:33 PM
MUM
post Apr 17 2018, 09:01 PM

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QUOTE(prince_mk @ Apr 17 2018, 08:59 PM)
which funds give u double digit return ? buying via FSM too ?
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please see why "that" post was posted?
was it posted in response/reply/query to a particular post?

btw,...just found these funds (available from FSM) that had been giving double digit returns annualised as of today's data...

This post has been edited by MUM: Apr 17 2018, 09:08 PM


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MUM
post Apr 18 2018, 09:52 AM

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QUOTE(55665566 @ Apr 18 2018, 08:25 AM)
i got play around robo in sg. quite convenience for low fee
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what is the fees like?
how is the overall performance?
how is the performance during good times?
how is the performance during the bad times?
during your adventure with this robo investment in Sg.
notworthy.gif

This post has been edited by MUM: Apr 18 2018, 10:05 AM
MUM
post Apr 18 2018, 11:36 AM

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QUOTE(Ramjade @ Apr 18 2018, 09:59 AM)
The 3 popular robo  in SG.
Stashaway
Smartly
Autowealth
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QUOTE(55665566 @ Apr 18 2018, 11:21 AM)
Yea, im using AutoWealth.
I cant give much insight but u can check out how sg ppl review them.
https://seedly.sg/reviews/robo-advisors
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Any idea or rough estimates if this is more cost effective than the fsm sg maps/Sg managed port?
MUM
post Apr 18 2018, 01:39 PM

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QUOTE(55665566 @ Apr 18 2018, 12:49 PM)
....
fsm is more manual,
robo advisor help to balance your portfolio once in awhile lo..
depends on your need. some people dont like the diversification/portfolio by robo
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thanks for the great comparison chart/input....AutoWealth is at just S$18 pa over the FSM SG managed port charges for each categories..... hmm.gif

FSM SG managed port is more manual but they do rebalance/relocation like robo....

charges wise, almost similar......performance wise...hope some good souls can advise or maybe direct to comparison chart?

This post has been edited by MUM: Apr 18 2018, 01:40 PM
MUM
post Apr 23 2018, 10:35 PM

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What is a unit trust or fund?
What is the maximum amount you can lose?
What can cause you to lose money or reduce the returns on your investments?
Are funds suitable for everyone?

http://www.moneysense.gov.sg/understanding...ou%20can%20lose?
MUM
post May 8 2018, 10:11 AM

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QUOTE(clatch @ May 8 2018, 09:59 AM)
Oh yeah ETF works too, do you know where I can get access to them?
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try these old lyn threads?
https://www.google.com/search?q=etf+lowyat+...iw=1920&bih=963
MUM
post Jun 23 2018, 04:10 PM

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QUOTE(calek @ Jun 23 2018, 02:14 PM)
For Public Mutual Online redemption, how many days to get the money credited to my reg account.TQ
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if you cannot managed to get responses here, try the LYN dedicated PM thread....
hope you can get answers soon...
https://forum.lowyat.net/topic/3580942/+1440
MUM
post Jul 10 2018, 06:55 PM

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QUOTE(degionz @ Jul 10 2018, 06:41 PM)
Hi guys,
Newbie here,
Which fund should I start I would like to park money around 2 - 3 years?
I thinking about reits any suggestion?
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What is yr expected/desired % of returns per annum?
What is yr max allowed % of loses per year?

This post has been edited by MUM: Jul 10 2018, 06:58 PM
MUM
post Jul 10 2018, 07:08 PM

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QUOTE(degionz @ Jul 10 2018, 07:01 PM)
per annum return 6 - 7%
loses per year 500 - 1k
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Loses 500-1000 of what invested amount?
.....
Reits at current environment can get 6-7%pa?
Better try asn FP funds....
MUM
post Jul 16 2018, 07:40 PM

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QUOTE(jason210 @ Jul 16 2018, 06:12 PM)
Hi, Im newbie here also, ASN FP funds always no stock is it? just back from ASNB beside GTOWER hotel, want to open an account and invest but no stock.

And actually i have deposit 1k to CIMB principal PRS on Jan 2018, but they did not help me submit it and today i bring the receipt and re-fill up the form again, they asking me the 1k i want to invest to which fund? and CIMB agent help me choose it according to my age.
Which one is suitable for newbie? I need to DIY or let CIMB agent done it for me?

Thanks in advance for reply.
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hmm.gif if you buy from CIMB...how much does the agent charge you for the Sales Charges?
there are some that did not charge sales charges at all.

if you want to get to know more about how, when and how much to try to buy for each try by online...can try to ask at this dedicated thread...(many SIFUs there)
https://forum.lowyat.net/topic/4183284/+11940#entry89620513

"Which one is suitable for newbie? I need to DIY or let CIMB agent done it for me?"
since PRS funds is also sort of a unit trust funds...thus it maybe worthwhile to try read these first....
https://www.google.com/search?ei=woNMW4ncE9.....0.k_JwNmGgkrg






MUM
post Jul 18 2018, 09:46 AM

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QUOTE(smallydupe @ Jul 18 2018, 09:29 AM)
The eunittrust philips money market doesn't credit in the interest daily unlike rhb cash management fund 2, right?
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isn't this eunittrust philips master money market (Malaysia) fund a fixed price fund?
MUM
post Jul 19 2018, 07:41 PM

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QUOTE(SgtScoop @ Jul 19 2018, 07:39 PM)
I'm a follower of Dave Ramsey and on his advice I've been looking at investing in mutual funds.

I see the small cap funds have been having a hard time of it lately but have been great performers over the past 10 years. They seem to have rallied a bit recently so I'm not sure whether it's a good time to invest or not.

I know the stock market is unpredictable but what's the short term outlook for small caps?

I'm looking at passively investing in small caps for my retirement (hopefully, 15 years away).
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are you gonna buy only 1 type/category of fund in your UT investment portfolio which would be passive and in 15 yrs time frame?
MUM
post Jul 20 2018, 12:54 AM

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QUOTE(SgtScoop @ Jul 19 2018, 10:33 PM)
Only for now. I have a bit of money to invest but it's not mega money. Dave recommends holding 4 types of funds but I'd have to go back and check which ones. Since this is my first UT investment, I figure I'll get one going first and then see about other ones later.
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alright...4 is the would be number

so I will just make an assumption that the % of allocation would be equally at 25% each

thus, just a note....for every 10% drops of that fund...it will just affect 2.5% of your portfolio's ROI.

so,....can you stomach that 2.5% drops?,.....if it is ok...than timing for the perfect entry would not be that hard.
MUM
post Jul 20 2018, 11:53 AM

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QUOTE(SgtScoop @ Jul 20 2018, 09:28 AM)
I'm okay with dips along the way. It's part of the business. As long as the line keeps moving upwards in the long term, I'll be happy.

Since I'm new to this, I'm wondering if, in general, now is a good or bad time to buy small caps or if I should just ignore all that and get on with investing.
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good since you are ok with that....

many would suggest that you do the DCA.....by doing DCA you can learn the emotional aspect of investing too.....then maybe as time goes by you will realize that unit trust investing is not your cup of tea

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