Extended until 31 Dec 2020
Source: https://www.cimb.com.my/en/personal/promoti...unit-trust.html

Is it recommendable?

The platform is just middleman like FSM One and eUnittrust.

Hi guys, my parents has some retirement money to keep stashed away for any length of time as they have enough money to get by. This is a about $200k. Any suggestion of funds that will be suitable for them? Low risk ideally in case stock market crashes again.

Or are they better of sticking to FD? Citibank's banker told us about Affin Hwang Select Bond Fund. I am also looking at 2.45% FD from RHB Bank.

Thanks.

Affin Select Bond Fund is a good fund but since it's unit trust, capital isn't guaranteed or protected.

AHSB fund do fluctuate when there is a shock in equity market. It's not like FD. If u put in here make sure it's for medium to long term.

You mentioned... they hv enough money to get by n this 200k can be stashed away for any lenght of time.... Try Kwsp? 60k each x 2 a/c this year n repeat that both a/c for the balance 3 monrhs later (next calendar year)

This post has been edited by MUM: Oct 4 2020, 10:30 AM

I see, thanks for explaining.

Thanks. Appreciate this.

Thanks Mum. I will do more research on this.

Affin Hwang AM launches Global Disruptive Innovation Fund

KUALA LUMPUR: Affin Hwang Asset Management Bhd had on Tuesday launched Affin Hwang World Series – Global Disruptive Innovation Fund.

In a statement on Tuesday, it said the Fund is a wholesale feeder growth fund that provides access to vast growth opportunities created by disruptive innovation.

The Fund will feed into a collective investment scheme, namely Nikko AM ARK Disruptive Innovation Fund (target fund) which is managed by Nikko Asset Management (target fund manager).

ARK Investment Management, a strategic partner of the Nikko AM Group, is the investment adviser for the strategy.

The fund will invest a minimum of 80% of the fund’s net asset value (NAV) into the target fund and a maximum of 20% of the Fund’s NAV into money market instruments, deposits and/or cash.

https://www.thestar.com.my/business/busines...innovation-fund

Hi all, would like to seek for advice based on my understanding from my research online. As everyone knows that the FD is so low atm, I have narrow down the alternative investment vehicle that interests me but im not too sure about my findings. My objective of investment is for mid to long term, at least 5 years and above.

PLEASE correct me if I'm wrong as I'm new to investment

Unit Trust via FSM
A fund that managed by the fund manager to invest in multiples companies shares. The benefits is that able to diversified the risk instead of holding only one company share.
The main game plan of UT is capital appreciation. Search for potential fund that will grow in the future, buy low sell high.

Fee involved
Sales Charges (0%-1.75%)
Annual Management Fee (1.8% +-)

Stock Market (KLSE)
The game plan is capital gain + Dividends. Will search for blue chips stock to invest in long term, collecting dividends while hoping for appreciation. I saw some bloggers are using this way to achieve financial freedom (annual dividend received is equal or more than annual expenses)

Fee involved Maybank Platform
Brokerage fee 0.1% or rm8
Stamping Rm1 per Rm1000

my banking RM also also recommended to invest ins TA Asia Absolute Alpha fund which focus in Asia Equities but the sales charges is 2.7% which I feels that is kinda high. Based on my investment objective, I'm more kind to ride on the stock market vehicle as I can both side of the world, capital gain + dividends ( provided I've invested in the right stocks). Besides, investing in stock market also involving lower sales fee (brokerage)

so my questions are
1) did I miss out any fee involved in both vehicles?
2) did I set the game plan correctly?

TIA

FSM u only need to care the sales fee n if any redemption fees. Other fees is all already calculated in the fund NAV. U no need pay extra.

fyi, this this Annual Management fees + other fees are fees you don't get to feel for you don't need to pay from the your pockets
only Sales charges (and for some fund redemption fees) are fees that you will feel it "physically"

Returns from unit trusts
You invest in a fund by buying units in the fund. There is a capital gain when the price of the units rises above the price you paid for the fund.
Some funds pay dividends....in the form of cash or reinvestment of extra units converted by the given "cash"....as you get these extra units in your holdings, then any movement of the NAV will moves your amount in your holdings

on you question "so my questions are
1) did I miss out any fee involved in both vehicles?
2) did I set the game plan correctly?"

i think the more important plan is to know your comfort level in investing between this 2 vehicle.
do you know you can be better in investing then the "Professional"? if yes, go to invest your self. if not, go for UT

This post has been edited by MUM: Oct 21 2020, 04:58 PM

Industry 4 company? Worth to invest?

https://equity.pitchin.my/businesses/xts-te...ologies-sdn-bhd

Hi Guys, I'm Yong from Kenanga. If you have any question about investment funds can buzz me up and ask. Happy to help.

Say i have about 10k to be put aside for my 1 year old daughter's education fund, where is the best place for me to invest this? UT, insurance, stashaway? This fund is for long term, when my daughter turn 18 only will withdraw.

if your tax bracket is high...try start by putting in RM8k into SSPN-i to get the tax relief of this RM8k
(if you are in the 24% tax bracket...you will save 1920, if 21% then 1680), but remember to invest the money saved not spend it

example,
you hv 10k now, split it into
8k into SSPN-i by Dec 2020
2k into Stashaway (example)

in Jan 2021, you withdraw from SSPN-i, put into Stashaway (example)
thus total in is 10k

in Apr 2021 you pay less tax of 1920 for your income tax 2020...you put in 1920 "saved" into Stashaway (example)
total in it will be 11920 by Apr 2021

This post has been edited by MUM: Oct 24 2020, 08:51 AM

What is the annual average return are you expecting?
What is the risk level are you willingly to stomach?

The most conservative education saving fund/plan will be SSPN as proposed above.

Eastspring investment bond fund which type is safer and decent return?