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 Fund Investment Corner v3, Funds101

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activexxx
post Oct 15 2016, 08:15 PM

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Hi,

Not sure if this is the correct place to ask...recently was approached by Hong Leong Assurance (HLA) agent.

I was introduced by a Investment plan where I need to put an amount of money annually, for a tenure of six years. The return was higher than FD (around 10%). The return depends on CIMB Evergreen fund.

Anyone heard of that? Not sure of the return guarantee as the agent keep on giving positive talk...saying if the fund performance drops at a certain rate in future, HLA will guarantee buy back at a fixed rate from you, therefore no loss...
AIYH
post Oct 15 2016, 08:30 PM

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QUOTE(activexxx @ Oct 15 2016, 08:15 PM)
Hi,

Not sure if this is the correct place to ask...recently was approached by Hong Leong Assurance (HLA) agent.

I was introduced by a Investment plan where I need to put an amount of money annually, for a tenure of six years. The return was higher than FD (around 10%). The return depends on CIMB Evergreen fund.

Anyone heard of that? Not sure of the return guarantee as the agent keep on giving positive talk...saying if the fund performance drops at a certain rate in future, HLA will guarantee buy back at a fixed rate from you, therefore no loss...
*
Kindly refer to this discussion post
https://forum.lowyat.net/topic/2893670/all
tkyong1
post Oct 17 2016, 03:26 PM

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RHB Asian Income fund
United Asean Discovery Fund
Affin Hwang Selected Asia Fund

Good?
Based on the records seems ok, but i am really not very experience in this.
dasecret
post Oct 17 2016, 03:59 PM

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QUOTE(tkyong1 @ Oct 17 2016, 03:26 PM)
RHB Asian Income fund
United Asean Discovery Fund
Affin Hwang Selected Asia Fund

Good?
Based on the records seems ok, but i am really not very experience in this.
*
What is your basis of selecting these funds?

What is your asset allocation strategy? How many % equity and fixed income? How many % in each geographical segment?

RHB Asian Income fund is very popular in the FSM thread; the other 2 I'm not so familiar. Affin has quite a number of select asia fund, quantum is the most popular one

But one should not buy into a fund due to its sheer popularity but what you need really
noiseemunkee
post Oct 25 2016, 12:42 PM

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hi sifus, i was looking for fund/edu fund to invest for my kid. any recommendation of where to start looking?
T231H
post Oct 25 2016, 12:52 PM

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QUOTE(noiseemunkee @ Oct 25 2016, 12:42 PM)
hi sifus, i was looking for fund/edu fund to invest for my kid. any recommendation of where to start looking?
*
if for your kids
try SSPN?
got RM6000 tax relief
https://forum.lowyat.net/topic/3603912/+120#entry82257347
http://www.ptptn.gov.my/web/english/savings

for others try this
http://www.moneysense.gov.sg/Financial-Planning.aspx

https://www.fundsupermart.com.my/main/school/school.svdo
bios123
post Oct 26 2016, 08:37 PM

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Dear all
CIMB Principal Asia Pacific Dynamic Income Fund has not declared any distribution this year. Likely to be no distribution this year?
Thanks in advance for any input.
wil-i-am
post Oct 27 2016, 11:05 PM

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QUOTE(bios123 @ Oct 26 2016, 08:37 PM)
Dear all
CIMB Principal Asia Pacific Dynamic Income Fund has not declared any distribution this year. Likely to be no distribution this year?
Thanks in advance for any input.
*
Take note tat pre n post distribution won't affect the value of your investments
bios123
post Oct 28 2016, 07:34 PM

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QUOTE(wil-i-am @ Oct 27 2016, 11:05 PM)
Take note tat pre n post distribution won't affect the value of your investments
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thanks for the reply
sandkoh
post Nov 6 2016, 09:50 PM

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guys, affin hwang flexible maturity income fund 7 is newly launched. how is this one? can buy? 5 yrs payout target 5 to 5.5%. any other better alternative?
familyfirst
post Nov 28 2016, 04:40 PM

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Affin Hwang Flexible Maturity Income Fund 6 - 3 yrs. 4.5% - 5% return pa.

Is this something good for me that is looking for a return of 4.5% per annum without the headache of hunting for FD every year? I have no issues to lock my funds for 3 yrs.

Please advise thanks.


T231H
post Nov 28 2016, 04:44 PM

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QUOTE(familyfirst @ Nov 28 2016, 04:40 PM)
Affin Hwang Flexible Maturity Income Fund 6 - 3 yrs.  4.5% - 5% return pa.

Is this something good for me that is looking for a return of 4.5% per annum without the headache of hunting for FD every year?  I have no issues to lock my funds for 3 yrs.     

Please advise thanks.
*
what is the SC?
4.5% ~ 5% pa guaranteed like FD without the headache?


familyfirst
post Nov 28 2016, 04:49 PM

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QUOTE(T231H @ Nov 28 2016, 04:44 PM)
what is the SC?
4.5% ~ 5% pa guaranteed like FD without the headache?
*
No guarantee la (other than FD mana ada guarantee) but past income funds all exceed this rate. SC is 3% but will be returned in full if you dont exit during that 3 yrs.
oneeleven
post Nov 28 2016, 04:50 PM

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How can I assess the effect of management fees? What time of the year are they deducted, or built into NAV but when?
T231H
post Nov 28 2016, 04:53 PM

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QUOTE(familyfirst @ Nov 28 2016, 04:49 PM)
No guarantee la (other than FD mana ada guarantee) but past income funds all exceed this rate.  SC is 3% but will be returned in full if you dont exit during that 3 yrs.
*
at that rate and with lockin period, then not for me...maybe is ok for you...you have to decide on your own if it is ok or not.....
I cannot advise thus cannot response to your query.
T231H
post Nov 28 2016, 04:53 PM

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QUOTE(oneeleven @ Nov 28 2016, 04:50 PM)
How can I assess the effect of management fees? What time of the year are they deducted, or built into NAV but when?
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daily?
wil-i-am
post Nov 28 2016, 05:52 PM

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QUOTE(familyfirst @ Nov 28 2016, 04:40 PM)
Affin Hwang Flexible Maturity Income Fund 6 - 3 yrs.  4.5% - 5% return pa.

Is this something good for me that is looking for a return of 4.5% per annum without the headache of hunting for FD every year?  I have no issues to lock my funds for 3 yrs.     

Please advise thanks.
*
Based on your risk profile, I wud say tis is a gud deal as they have built d credentials
Having said tat, past performance doesn't guarantee future results
familyfirst
post Nov 30 2016, 02:44 PM

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Newcomer to unit trust world here.

Can recommend me a fund that is moderate and for mid-long term (5-10 yrs)? Heard Public Mutual has the highest service fee rate, is it true? Should I stay away from Pub Mutual at all costs? A friend keeps recommending me something called small-cap fund.

And also, is it better to put in lump sum or monthly as suggested by a friend?

Appreciate advise.
Ramjade
post Nov 30 2016, 02:51 PM

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QUOTE(familyfirst @ Nov 30 2016, 02:44 PM)
Newcomer to unit trust world here.

Can recommend me a fund that is moderate and for mid-long term (5-10 yrs)?  Heard Public Mutual has the highest service fee rate, is it true?  Should I stay away from Pub Mutual at all costs?  A friend keeps recommending me something called small-cap fund.   

And also, is it better to put in lump sum or monthly as suggested by a friend?

Appreciate advise.
*
Look at FSM Malaysia thread. There's lot's to choose. Yes. All UT sold by banks come with 5.5% service charge. Your best bet is FSM MY where serice charge is only 2%.

Depends. If the market is down, no harm lump sum in. If it's up, then up slowly. Lump sum in at it's peak will cause you longer time to get your returns.

Avoid all public mutual at all cost as they are not performing.
SUSMNet
post Nov 30 2016, 06:53 PM

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QUOTE(familyfirst @ Nov 30 2016, 02:44 PM)
Newcomer to unit trust world here.

Can recommend me a fund that is moderate and for mid-long term (5-10 yrs)?  Heard Public Mutual has the highest service fee rate, is it true?  Should I stay away from Pub Mutual at all costs?  A friend keeps recommending me something called small-cap fund.   

And also, is it better to put in lump sum or monthly as suggested by a friend?

Appreciate advise.
*
Yes PB mutual is the best.
Since u going for long term, the fee will become insignificant.

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