anyone heard about agro capital management Berhad?

S'pore authority does for sure,..if that is what you mean....
http://www.mas.gov.sg/ial.aspx?sc_p=all

I'm new to unit trust investing and have been doing a ton of research and have settled on the following for a balanced portfolio:

Affin Hwang Select Bond Fund (25%)
Affin Hwang Select Income Fund (25%)
Affin Hwang Select Opportunity Fund (25%)
Affin Hwang Select Asia (ex Japan) Quantum Fund (25%)

Are these good choices for a balanced portfolio? I've settled on Affin Hwang because I'm a Malaysian national but US permanent resident and Fundsupermart won't allow me to register while Affin Hwang Capital will (with the unfavorable MYR-USD exchange rate, the money is stuck in Malaysia and currently just in FD).

In speaking with the director of the Affin Hwang Capital branch, he's willing to reduce the Initial Sales Charge to 33% of the load, so that helps. Another question I have is: Is the Annual Management Fee included in the Annualized Return?

Much thanks!

I'm new to unit trust investing and have been doing a ton of research and have settled on the following for a balanced portfolio:

Affin Hwang Select Bond Fund (25%)
Affin Hwang Select Income Fund (25%)
Affin Hwang Select Opportunity Fund (25%)
Affin Hwang Select Asia (ex Japan) Quantum Fund (25%)

Are these good choices for a balanced portfolio? I've settled on Affin Hwang because I'm a Malaysian national but US permanent resident and Fundsupermart won't allow me to register while Affin Hwang Capital will (with the unfavorable MYR-USD exchange rate, the money is stuck in Malaysia and currently just in FD).

In speaking with the director of the Affin Hwang Capital branch, he's willing to reduce the Initial Sales Charge to 33% of the load, so that helps. Another question I have is: Is the Annual Management Fee included in the Annualized Return?

Much thanks!

Reason for portfolio:
1. Dont put all your eggs in a basket
2. IF the fund manager of that company or fund screws up at least you have a backup to balance things out

Therefore it is more advisable to look at other companies , or a mix of it. example:

Public Mutual 25%
Hwang 25%
Maybank 25%
Stand Chr 25%

Also check who is the fund manager, cause sometimes the bank sells it to you but there is a high chance the fund is managed by someone else.

Avoid anything to do with public mutual.

Avoid anything to do with public mutual.

I was about to invest in Public mutual but then i saw this post. May i know why?

I was about to invest in Public mutual but then i saw this post. May i know why?

Hello & good day. I have a question regarding subsequent investment in a unit trust. Is it actually a mandatory payment on monthly basis like a car loan?

Like say, if i pick moderately conservative portfolio recommended by FSM for example, total subsequent should be RM1500. Do i have to fork out RM1500 each month without fail?

PRS max one should buy is RM3k/year. Also don't just simply buy. Buy the right one can you can beat EPF return. Buy the wrong one, you get FD normal rate/worse than FD normal rate.

All unit trust in malaysia is not PIDM protected.
If you want safe, pseudo FD, Amanah saham fixed price fund. Buy and sell units at RM1/unit. Some considered it a high interest savings account, I considered it FD on steroid. 

Keep in mind it's a political fund. It was created to help people. You will beat FD rates. You may beat EPF rate. Expect min returns to be 6% pa. Even though it's priced at RM1/unit (theoretically making one unable to lose money), it's not PIDM protected. There's also opportunities cost. Eg. put into kenanga growth fund can nett you say 15% pa. But also (-) return pa (depending on how is malaysia economy). But with amanah saham fixed price, you will get 6% a year only (regardless the economy as it have been shown numerous time already)

There's no shame in putting money in amanah saham. Some call it kiddie pond but everyone starts somewhere. I started with board rates FD > promo FD rates > amanah saham > Unit Trust bought via FSM > Singapore reits and stocks (this is more of dividend investing + collecting real SGD cold hard cash + singapore unit trust (since I am going to move out my UT out from FSM MY as in the long run my view is that RM will depreciate against the SGD)

One day, you will come to the conclusion that PIDM protected will not help you to grow/preserve your wealth as I have. I used to look for "capital protected". Well not anymore. You need to do what you gonna do.

Hello Sifu Ramjade

I share similar feelings that MYR will continue to depreciate against SGD in the long run. May I ask how you invest in Singapore REITs? Via local brokers or Singaporean ones?

Thank you

No. Not compulsory....

so, how does it work actually? sorry, im new on this,,