while waiting for more value added responses, try this...hope it helps
http://mycpf.cpf.gov.sg/NR/rdonlyres/1E64E...IVincentDIS.pdf
http://www.fundsupermart.com.my/main/resea...?articleNo=4803
https://secure.fundsupermart.com/main/mypag...dCompounder.tpl?
http://www.publicmutual.com.my/LinkClick.a...Mng%3d&tabid=86

This post has been edited by yklooi: May 27 2015, 06:52 PM

IF, (fund price could experience 1 year high and 1 year low), then the application of compounding will be ambiguous....
same logic...if the fund continued to be in RED for 3 years...then there is not benefits.

it shows the concept, but this concept cannot be compared to the investment that had fixed results (ex. FD (assuming rate no change)).
in this case of FD....the compounding interest affect can be seen as the interest earned can be added into the calculation of next year interest rate.
but for investment like UTs that has no guarantee of returns.....what ever you earned can be wiped out too.....

but if one were to keep investing ...in the longer terms......the effect could be seen....


This post has been edited by yklooi: May 28 2015, 09:12 AM

wow...if buy now...later in July got "UNTUNG" from the dividend?

i am using FSM platform.....never tried E-UT before
thus unable to tell pros and cons

yes........
just prepare to have a nomination made and the nominee knows about it..

i guess that is no guarantee clause in that products.....
if 5~7% without the guaranteed...better try ASNB Fixed price funds....
PM Ramjade for advise in that....he is very helpful.

Attached thumbnail(s)

on this......
this is what he has to says......

"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount. Something you are comfortable with even if you suffer losses.
It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust.
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience.
No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest.
You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times.
And learning from mistakes made is the greatest teacher. "

https://secure.fundsupermart.com/main/resea...SJBlog_20141031

I think the right course of action for many of us is NOT to advise/tell/suggest to you how to invest ....

I think we should instead ask you for advise/tell us how to have few millions like you did.....

while waiting for responses.....
you may want to check out this site for some info.....

"Investments
Get started on your investment journey. Learn about different investment products and how to invest according to your goals, risk profile and circumstances."

https://www.moneysense.gov.sg/investments

The key word here is "Safe & Secured"....

FD has PIDM and known returns.
The Manager of ASM is ASNB, a wholly-owned subsidiary company of Permodalan Nasional Berhad (PNB).

mind sharing what is the minimum joining amount?

they have some recommendation and articles on Bond Idea for Stable Income Seeker here...
https://www.fundsupermart.com.my/fsm/bonds/home

This post has been edited by yklooi: Jun 2 2019, 09:23 AM

I made the assumption....
that you are referring to unit trust fund
that you know about the definition of annualised and cumulative.....

as this example is for a year "Period",
thus need to convert to cumulative and annualised


Attached thumbnail(s)

oh, that, is I think is the movement of the fund performance (dividend distribution adjusted),
using the 100 marks as a base point for start date & NAV

This post has been edited by yklooi: Jun 18 2019, 11:57 AM

what ever you thinking or wanted to do or suggesting to do....
remember your wants of this 10k...
you wanted double returns in a year
you wanted to see <30% loss of this 10k

that is a good start to really focus on items that can gives you your wants

Which one offers you more unit trust funds selections which does not have to limits the selection to just a particular fund house only?
Which one offers you less sales charges on each of your buy/top ups?
Which one has less overall holding cost on your ut portfolio in the long run?

Ask the manager to provide you with the detailed performance chart... Especially during some of those "bad" period like during Mar 2018, Mar 2020 n now Mar 2021...see how the that fund prevented more losses than also during the good times how much "performance fees" they charged...

Then see if you liked the the returns generated on a 12 month rolling duration to justify if you think it is OK to pay them that much.

And make sure you don't need to touch that 100k for some years

Basically, Means if the markets happened to plummet and your fund will suffer losses,.... At the same time you don't need to touch that money, you will have a higher chances of getting profit in the end as you can afford to sit over the mkt crash

This post has been edited by yklooi: Mar 20 2021, 08:58 PM

Just a note though,
If you had been happily in bonds for past,.... Any diversion into equities may have emotional shock when losses occurred.
Thus Affin Hwang smart invest portfolio will consist solely of Affin Hwang funds inside only.
You are comfortable with that? (all eggs into a basket)?
So have some mental n emotional preparation.