Fund Investment Corner v3, Funds101
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 Mar 31 2016, 03:37 PM
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Junior Member
418 posts Joined: Jan 2015 
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QUOTE(ZurichVictorT @ Mar 21 2016, 11:05 PM) Recommend you to diversify your funds, remain some at epf, put some into FD & some into global equities. PM for info about global equities. " ..... put some into FD"?  You sure about that? Bro, FD interest rates is so much lower than EPF interest rate!  |
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Mar 31 2016, 03:57 PM
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All Stars
24,344 posts Joined: Feb 2011 
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QUOTE(ZurichVictorT @ Mar 21 2016, 10:56 PM) Currently China is low, is a good time to invest. PM for more info FSM SC only 2%. How much is yours? |
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Mar 31 2016, 05:51 PM
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Junior Member
76 posts Joined: Nov 2015
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QUOTE(Pinnacle1295 @ Mar 31 2016, 03:37 PM) " ..... put some into FD"? The reason why epf rate is around 6% is because they invest it overseas, mainly in Europe, equities.You sure about that? Bro, FD interest rates is so much lower than EPF interest rate! |
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Mar 31 2016, 05:59 PM
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Junior Member
76 posts Joined: Nov 2015
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QUOTE(Ramjade @ Mar 31 2016, 03:57 PM) FSM SC only 2%. How much is yours?  China price is low currently, speculated to increase soon, that's why its a good time to invest in China. |
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Mar 31 2016, 06:01 PM
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All Stars
24,344 posts Joined: Feb 2011
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QUOTE(ZurichVictorT @ Mar 31 2016, 05:59 PM) China price is low currently, speculated to increase soon, that's why its a good time to invest in China. |
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Mar 31 2016, 06:07 PM
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Junior Member
76 posts Joined: Nov 2015
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QUOTE(Ramjade @ Mar 31 2016, 06:01 PM) I am not asking about china low or not. I am asking how much is your SC. SC stands for? |
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Mar 31 2016, 06:18 PM
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(ZurichVictorT @ Mar 31 2016, 06:07 PM) SC stands for? I assumed SC = service charge, right? Or Security Commission? LOL! Better to type the whole words than using short form to avoid confusion. This post has been edited by Pinnacle1295: Mar 31 2016, 06:20 PM |
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Mar 31 2016, 06:24 PM
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All Stars
24,344 posts Joined: Feb 2011
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QUOTE(Pinnacle1295 @ Mar 31 2016, 06:18 PM) I assumed SC = service charge, right? Service charge. WHat's your service charge?Or Security Commission? LOL! Better to type the whole words than using short form to avoid confusion. |
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Mar 31 2016, 06:37 PM
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Junior Member
76 posts Joined: Nov 2015
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QUOTE(Ramjade @ Mar 31 2016, 06:24 PM) Service charge. WHat's your service charge? 1st year is 5% from total investment fund, following year is 1 % for basic insurance charges.This post has been edited by ZurichVictorT: Mar 31 2016, 07:08 PM |
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Apr 1 2016, 08:24 AM
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Senior Member
4,725 posts Joined: Jul 2013 
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QUOTE(ZurichVictorT @ Mar 31 2016, 06:37 PM) 1st year is 5% from total investment fund, following year is 1 % for basic insurance charges. If you are selling insurance, please dont mask it as an investment product. Very unethical.Also... yes... epf do invest overseas, that really doesn't correlate with why epf can consistently pay 6%+ |
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Apr 1 2016, 09:16 AM
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(adele123 @ Apr 1 2016, 08:24 AM) If you are selling insurance, please dont mask it as an investment product. Very unethical. new "flower sellers" haven't been bamboo-ed kau kau yet marAlso... yes... epf do invest overseas, that really doesn't correlate with why epf can consistently pay 6%+ i wonder if can forward supersound  - these are the "flower sellers" he keeps assuming everyone from that industry is like  |
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Apr 1 2016, 10:44 AM
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Senior Member
8,259 posts Joined: Sep 2009
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QUOTE(adele123 @ Apr 1 2016, 08:24 AM) If you are selling insurance, please dont mask it as an investment product. Very unethical. Also... yes... epf do invest overseas, that really doesn't correlate with why epf can consistently pay 6%+  master in insurance!  |
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Apr 1 2016, 01:00 PM
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Junior Member
128 posts Joined: Jul 2009
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QUOTE(yklooi @ Nov 18 2013, 03:59 PM)  you can try go directly through the counter....they "MAY" give you some...but i doubted much.else try this? While the sales charge of traditional agencies can be as high as 5%, Fundsupermart.com only charges you 2% or even lower. http://www.fundsupermart.com.my/main/resea...l?articleNo=592 Currently from my POV, seem FSM more woth taking/opt. Any insight from sifu/otai highly appreciated. IMHO, i prefer do DIY+some reading rather than go to agent... This post has been edited by Kobis Bunga: Apr 1 2016, 01:01 PM |
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Apr 1 2016, 01:13 PM
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Senior Member
8,188 posts Joined: Apr 2013
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QUOTE(Kobis Bunga @ Apr 1 2016, 01:00 PM) What is pros and cons between FSM and eUT phillips mutual.. Currently from my POV, seem FSM more woth taking/opt. Any insight from sifu/otai highly appreciated. IMHO, i prefer do DIY+some reading rather than go to agent... i am using FSM platform.....never tried E-UT beforethus unable to tell pros and cons |
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Apr 1 2016, 01:28 PM
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All Stars
52,874 posts Joined: Jan 2003
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Philips Mutual sent me a love letter stating that my account will be deactivated soon. LOL
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Apr 1 2016, 01:40 PM
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Senior Member
1,498 posts Joined: Nov 2012
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QUOTE(Kobis Bunga @ Apr 1 2016, 01:00 PM) What is pros and cons between FSM and eUT phillips mutual.. I'm using FSM too and don't have a eUT accountCurrently from my POV, seem FSM more woth taking/opt. Any insight from sifu/otai highly appreciated. IMHO, i prefer do DIY+some reading rather than go to agent... Very simple, when I go to eUT website, it doesn't give me the confidence that this platform would exist in the next 5 years... it look amateur-ish and it seems the people running it is not serious to be in the e-commerce business But the choice is personal, if your objective is lowest SC, then eUT promo is 0% whereas FSM has more user support which is what I wanted and for a low price too... Anyway, so far my experience with FSM is good |
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Apr 1 2016, 05:08 PM
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All Stars
48,445 posts Joined: Sep 2014 From: REality
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QUOTE(David83 @ Apr 1 2016, 01:28 PM) Philips Mutual sent me a love letter stating that my account will be deactivated soon. LOL u didn't do any transaction recently? |
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Apr 1 2016, 05:56 PM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(nexona88 @ Apr 1 2016, 05:08 PM) u didn't do any transaction recently? None since day 1 |
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Apr 1 2016, 06:02 PM
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All Stars
48,445 posts Joined: Sep 2014 From: REality
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QUOTE(David83 @ Apr 1 2016, 05:56 PM) None since day 1 then why u open account with them on the first place?  |
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Apr 1 2016, 06:03 PM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(nexona88 @ Apr 1 2016, 06:02 PM) then why u open account with them on the first place? Thought of investing at there but ended full force at FSM. |
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