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 Fund Investment Corner v3, Funds101

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Ramjade
post Dec 1 2016, 09:38 AM

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QUOTE(MNet @ Nov 30 2016, 06:53 PM)
Yes PB mutual is the best.
Since u going for long term, the fee will become insignificant.
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Tell that to dasecret
dasecret
post Dec 1 2016, 09:59 AM

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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.
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I may be wrong but I think they only open the Public Small Cap for subsription for a short period of time few months back. It's now closed again. That's one of the best performing fund available on Public Mutual.

No point for me to tell you which fund house is good. Try look at http://iportfolio.com.my/ or morningstar

QUOTE(MNet @ Nov 30 2016, 06:53 PM)
Yes PB mutual is the best.
Since u going for long term, the fee will become insignificant.
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Are you being sarcastic actually? I couldn't quite tell
It's true that fees become insignificant if you are in for the long term. so I still pay more attention to returns than fees

QUOTE(Ramjade @ Dec 1 2016, 09:38 AM)
Tell that to dasecret
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Tag me again? confused.gif
familyfirst
post Dec 1 2016, 12:07 PM

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QUOTE(dasecret @ Dec 1 2016, 09:59 AM)
I may be wrong but I think they only open the Public Small Cap for subsription for a short period of time few months back. It's now closed again. That's one of the best performing fund available on Public Mutual.

No point for me to tell you which fund house is good. Try look at http://iportfolio.com.my/ or morningstar
Are you being sarcastic actually? I couldn't quite tell
It's true that fees become insignificant if you are in for the long term. so I still pay more attention to returns than fees
Tag me again?  confused.gif
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Thanks! The link is very useful.
wongmunkeong
post Dec 1 2016, 09:56 PM

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QUOTE(CoolMan39 @ Dec 1 2016, 09:02 PM)
If you are looking for Extra Income, please PM me.
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http://www.mas.gov.sg/IAL.aspx?sc_p=J
JJPTR? If so, check out SG's MAS Investor Alert List above
Kaka23
post Dec 2 2016, 05:42 AM

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QUOTE(CoolMan39 @ Dec 1 2016, 09:02 PM)
If you are looking for Extra Income, please PM me.
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Forex trading?
oneeleven
post Dec 4 2016, 08:19 PM

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Is there any law, etc, why there are no no-load funds here? Too small a market?
wodenus
post Dec 7 2016, 08:45 AM

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QUOTE(oneeleven @ Dec 4 2016, 08:19 PM)
Is there any law, etc, why there are no no-load funds here? Too small a market?
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No law, just that loads are a preferred way to charge commission here, because it can be amortized over time. Fund brokers in other countries charge a monthly or yearly subscription, or a platform fee, or minimum balance fee or something like that.

Just because there's no load doesn't mean there's no charge. And yes, the economies of scale that they have make it cheaper for them to charge less smile.gif

This post has been edited by wodenus: Dec 12 2016, 07:59 AM
Pebbie
post Dec 7 2016, 02:12 PM

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Hi all,

first timer here, is there any global index fund that I can buy? I noticed that FSM only have bursa malaysia index fund.
wil-i-am
post Dec 7 2016, 03:07 PM

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QUOTE(Pebbie @ Dec 7 2016, 02:12 PM)
Hi all,

first timer here, is there any global index fund that I can buy? I noticed that FSM only have bursa malaysia index fund.
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Perhaps u shud direct your question to tis thread
https://forum.lowyat.net/topic/4089543/+2220
!@#$%^
post Dec 8 2016, 11:29 PM

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QUOTE(Voiksa @ Dec 8 2016, 10:22 PM)
Do you guys invest in real estate here? I am new to it, and I am going to buy some property in Paris next year. I have read a lot about it at https://www.glamourapartments.com/real-estate/, but maybe you can give me some tips on it too. I want to get a good apartment for long-term rental. What are your thoughts?
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joined 1019pm, posted 1022pm. promoter or something?
wengherng
post Dec 12 2016, 01:04 AM

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QUOTE(Voiksa @ Dec 8 2016, 10:22 PM)
Do you guys invest in real estate here? I am new to it, and I am going to buy some property in Paris next year. I have read a lot about it at https://www.glamourapartments.com/real-estate/, but maybe you can give me some tips on it too. I want to get a good apartment for long-term rental. What are your thoughts?
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Asking a question on real estate in a fund investment thread?
Did you click the thread by mistake, or are you really spamming?
hmm.gif
Kaka23
post Dec 12 2016, 07:39 AM

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QUOTE(Voiksa @ Dec 8 2016, 10:22 PM)
Do you guys invest in real estate here? I am new to it, and I am going to buy some property in Paris next year. I have read a lot about it at https://www.glamourapartments.com/real-estate/, but maybe you can give me some tips on it too. I want to get a good apartment for long-term rental. What are your thoughts?
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Wrong place to ask.. yawn.gif
familyfirst
post Dec 15 2016, 04:47 PM

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Anyone has any experience with Affin-Hwang Maturity Income Fund? Safe ka? Haha, I mean wont be lower than conventional FD rates so far?
SUSMNet
post Dec 16 2016, 09:58 PM

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QUOTE(familyfirst @ Dec 15 2016, 04:47 PM)
Anyone has any experience with Affin-Hwang Maturity Income Fund?  Safe ka? Haha,  I mean wont be lower than conventional FD rates so far?
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You must concern on whether the fund will give u negative return or not.
wodenus
post Dec 17 2016, 06:46 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.
*
Your choices :

1) Eunittrust - sometimes has 0% service charge promotions. Platform is 100% automated, be very careful because the system will let you do some things you shouldn't be able to do, and even show you a confirmation screen, but nothing will happen smile.gif also server errors once in a while. Consider this a discount broker, cheap and simple, no-frills platform, but you have to already know what you can do and what you can't, because the system will not protect you from yourself smile.gif

2) FSM - professional, very stable platform. live help available. A little more expensive than Eunittrust (promotions are limited, and usually only discount 1% or so.) They have the best platform though, and the most up-to-date info.

3) Public Mutual - Service charge is high, performance is so-so. Transactions are faster than most because they run their own funds, so they already know what the prices are the morning it comes out.

4) Banks - banks have advisors who can advise you, and whom you can yell at if anything goes wrong smile.gif Mostly they give good advice if you need it. Service charge about the same as Public Mutual.

So basically (1) is cheap, (2) is professional, (3) is fast, (4) has good advisors (most times.)

Depends on what you are looking for in a broker smile.gif

This post has been edited by wodenus: Dec 19 2016, 04:32 AM
SUSMNet
post Dec 17 2016, 08:50 PM

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Analyze at FSM buy at eUT
xuzen
post Dec 18 2016, 11:13 PM

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The way Wodenus puts it:

EUnittrust is like eating chap fan at Kedai Kopi Ah Lien at nondescript shop in old Town Petaling Jaya. Everything self service, no frills and cheap ... but keep your belly full and satisfied.

FSM is like eating a meal in a Dai Pai Thong that have waiter to take your order.

Pub-Mut is like going to a Chillis for a steak.

Private Banker is like going to a Michelin star diners where you pay for the prestige and get top notch service and good looking waiter / waitress to look at!
cyaoping
post Dec 24 2016, 09:37 PM

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Don't think about the cost.
Focus on performance.
If the performance bad, even they give you free charge also don't get in.

Find a good performance fund in last 5 year.
Keep review at least every 3years because nothing is forever especially in Investment

Check Manulife Progress Fund, I'm the fund advisor
T231H
post Dec 25 2016, 12:52 AM

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QUOTE(cyaoping @ Dec 24 2016, 09:37 PM)
Don't think about the cost.
Focus on performance.
If the performance bad, even they give you free charge also don't get in.

Find a good performance fund in last 5 year.
Keep review at least every 3years because nothing is forever especially in Investment

Check Manulife Progress Fund, I'm the fund advisor
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hmm.gif I am not sure about others...for me, there is a better winner in the Small cap segment


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contestchris
post Dec 25 2016, 01:39 AM

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Guys, CIMB Clicks charge 2.5% fee, M2u charge 3% fee. In the above comments it says banks has advisors who can advise you. I decided to go with CIMB Clicks since it's just 0.5% above FSM and is something I already use and am familiar/comfortable with. But I'm wondering, do I get any extra service or not? Doesn't seem like it.


This post has been edited by contestchris: Dec 25 2016, 01:49 AM

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