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 Fund Investment Corner v3, Funds101

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Kelefeh
post Aug 19 2025, 10:30 AM

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QUOTE(MUM @ Aug 19 2025, 10:25 AM)
For that fund that currently charged 6%sc for that minimum 100k investment, if kena 8% sst, then it would be around 480 more to be 6480 or about 6.5% sc+sst
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This is easy money to government lol
MUM
post Aug 19 2025, 10:36 AM
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QUOTE(Kelefeh @ Aug 19 2025, 10:30 AM)
This is easy money to government lol
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Yes, ...

aurora97
post Aug 26 2025, 02:08 PM

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QUOTE(seather @ Jul 11 2025, 03:56 PM)
banker intro me HLB All Roads Funds..
claimed to be managed by  Lombard Odier of Switzerland
Fairly new.. Launch in may 2025.

Anybody heard of it?
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What I am sharing is public information; I merely condensed it for your better understanding.

The arrangement is a feeder fund by Hong Leong Asset Management that feeds into Lombard Odier's LO Funds - All roads [Growth/All Roads (this is balanced, supposedly)/ All Roads Conservative], (EUR) I A. [The "I" denotes institutional, and the "A" is accumulation class]


Details of feeder fund: https://www.hlam.com.my/fund_hub/daily_price/
Details of target fund: https://am.lombardodier.com/funds

There are 3 funds: Hong Leong All Roads Balanced, Hong Leong All Roads Conservative and Hong Leong All roads Growth.

At a glance of the fact sheet, invest in sovereigns, bonds, derivatives etc...

Strategic alliance between HLB and Lombard Odier: https://www.hlb.com.my/en/personal-banking/...bard-odier.html
ryansxs
post Sep 23 2025, 12:05 PM

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QUOTE(Kelefeh @ Aug 18 2025, 04:21 PM)
that is crazy high !
Public mutual 5.5% also very high already

By the way does sales charge subject to SST now?
Since it broadens to finance service charges
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Thinking of withdrawing my funds from Public Mutual.
Some funds are performing so bad (4 years period).
Wondering where i should invest in.
MUM
post Sep 23 2025, 01:00 PM
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QUOTE(ryansxs @ Sep 23 2025, 12:05 PM)
Thinking of withdrawing my funds from Public Mutual.
Some funds are performing so bad (4 years period).
Wondering where i should invest in.

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Have you compared the PM ut funds of these "performed so bad in 4 yrs period" with funds of the same mandate/objectives from other fund houses?

When compared with others of the same mandate, then maybe then can roughly see / decide if the performance was the same or on par with other fund houses.
ryansxs
post Sep 23 2025, 01:09 PM

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QUOTE(MUM @ Sep 23 2025, 01:00 PM)
Have you compared the PM ut funds of these "performed so bad in 4 yrs period" with funds of the same mandate/objectives from other fund houses?

When compared with others of the same mandate, then maybe then can roughly see / decide if the performance was the same or on par with other fund houses.
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Firstly i admit i did not invest outside PM (for mutual funds). But i do have mutiple funds within PM. Some perform, some doesnt.
Hence, the question here on alternatives.

No point of keeping your money for 4 years and getting worst return than FD.


MUM
post Sep 23 2025, 01:51 PM
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QUOTE(ryansxs @ Sep 23 2025, 01:09 PM)
Firstly i admit i did not invest outside PM (for mutual funds). But i do have mutiple funds within PM. Some perform, some doesnt.
Hence, the question here on alternatives.

No point of keeping your money for 4 years and getting worst return than FD.
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If you want to stick to UT, then hv to compare with funds of the same mandate from other fund houses to determine if it was only PM or it was same with other fund houses.
If you want to move from PM none performing funds to PM performing funds, just beware of concentration risks.

Fsmone website has tools that can display performance of the funds you want. ( maybe except PM),

If you does not want UT anymore, then there are specific threads in lyn that focused on it.

This post has been edited by MUM: Sep 23 2025, 01:54 PM
ryansxs
post Sep 23 2025, 02:10 PM

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QUOTE(MUM @ Sep 23 2025, 01:51 PM)
If you want to stick to UT, then hv to compare with funds of the same mandate from other fund houses to determine if it was only PM or it was same with other fund houses.
If you want to move from PM none performing funds to PM performing funds, just beware of concentration risks.

Fsmone website has tools that can display performance of the funds you want. ( maybe except PM),

If you does not want UT anymore, then there are specific threads in lyn that focused on it.
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which fund houses that you recommened?
MUM
post Sep 23 2025, 02:18 PM
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QUOTE(ryansxs @ Sep 23 2025, 02:10 PM)
which fund houses that you recommened?
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If you move out of PM to other fund houses, you will kena sales charges again.

Determine what fund mandate you want in your portfolio.
Then, check the funds of the same mandate using fsmone tools.
Then compare the consistency of the performance with funds from other fund houses. (Including its risk ratio too)

I usually Try not to be to focused on a particular fund house.
ryansxs
post Sep 23 2025, 02:45 PM

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QUOTE(MUM @ Sep 23 2025, 02:18 PM)
If you move out of PM to other fund houses, you will kena sales charges again.

Determine what fund mandate you want in your portfolio.
Then, check the funds of the same mandate using fsmone tools.
Then compare the consistency of the performance with funds from other fund houses. (Including its risk ratio too)

I usually Try not to be to focused on a particular fund house.
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Based on your advice, i am sure you had done what you are suggesting.
Hence, in your comparison study (even though you are not focusing particular fund houses), i am sure you noticed trends such as good fund houses compared to PM.

Say for example, for funds such as AI or ESG related funds. What is your take on good fund houses?
I am just asking to get some ideas for alternatives, thats all.

MUM
post Sep 23 2025, 02:51 PM
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QUOTE(ryansxs @ Sep 23 2025, 02:45 PM)
Based on your advice, i am sure you had done what you are suggesting.
Hence, in your comparison study (even though you are not focusing particular fund houses), i am sure you noticed trends such as good fund houses compared to PM.

Say for example, for funds such as AI or ESG related funds. What is your take on good fund houses?
I am just asking to get some ideas for alternatives, thats all.
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Previously PM also has some good funds like small caps fund and some others award winning funds.

Current year
Malaysia 2025 | LSEG Lipper Fund Awards | Find Winners

https://www.lipperfundawards.com/Awards/Malaysia/2025/Fund


ryansxs
post Sep 23 2025, 03:07 PM

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QUOTE(MUM @ Sep 23 2025, 02:51 PM)
Previously PM also has some good funds like small caps fund and some others award winning funds.

Current year
Malaysia 2025 | LSEG Lipper Fund Awards | Find Winners

https://www.lipperfundawards.com/Awards/Malaysia/2025/Fund
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Thanx mate...
At least with the link, i can see some comparisons based on the fund types.

Kelefeh
post Sep 23 2025, 09:46 PM

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QUOTE(ryansxs @ Sep 23 2025, 12:05 PM)
Thinking of withdrawing my funds from Public Mutual.
Some funds are performing so bad (4 years period).
Wondering where i should invest in.
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I put china fund since april this year now got 45% return
ryansxs
post Sep 23 2025, 09:55 PM

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QUOTE(Kelefeh @ Sep 23 2025, 09:46 PM)
I put china fund since april this year now got 45% return
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Can i know which China fund? Public mutual or other ?
Kelefeh
post Sep 23 2025, 11:08 PM

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QUOTE(ryansxs @ Sep 23 2025, 09:55 PM)
Can i know which China fund? Public mutual or other ?
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Public mutual
but is because I switch from US fund on april during the big drop and park larger portion into bond fund and put smaller portion to china fund, so end up I am just close to break even from the losses

btw is pb greater china A share fund, you can search via their chart performance website
Kpjh
post Nov 19 2025, 12:13 PM
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QUOTE(Sotsotzaii @ Sep 3 2024, 08:27 PM)
Ok got it, so in that sense, EPF will be the last option for me, and only to put into EPF if I have extra funds, if not then put aside savings, then ETF investment ( which I am already putting in monthly ) then lastly EPF right ?
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Dont forget socso bro.

 

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