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.

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

Walawei. Precious Metals Securities rose by 13% on 30 November 2020 

Hi all,

I have extra RM1.5k not used in my bank account. not every month, but these like extra cash I have.

Should I keep as emergency fund or invest it somewhere else? Thinking of doing kijang emas gold account in maybank.

I already have asnb loan (100k)

May I know what important issue to take note when deciding to sell the unit trust?

Since the fund price is unknown until the closing of the day then we only can agak-agak now whether it is in uptrend or downtrend based on previous few day price trend, am I right?

Good Morning Everyone,

Can someone help me out?

I was looking through my portfolio in EPF's i-Invest and noticed a fund was missing in my accounts holding page. Specifically the "Eastspring Investments Dinasti Equity Fund"

When i log into myeastspring website, its still there and so is my investment.

Wondering why isnt this fund and the investment not showing up in my i-Invest account? Even in my watchlist it doesnt list this fund as a holding fund.

May I know how to know the fund is underperforming than its peers?

Is peers means fund that has the same top 5 companies in the latest monthly product sheet?

I can see mine there:

I still cant see mine. In the web nor in the app

FYI, I cant see only 1 of my fund, the "Eastspring Investments Dinasti Equity Fund". The others can see.

Should we be worried?

Demand for unit trust remains high

A unit trust agent is a person you would have encountered at least once.

There are hundreds of them in the country trying to tell you about the potential returns you can make when investing in unit trust (UT) only if you are willing to part with an initial sum of money.

Of course there are some sad cases of people losing money from investing in UT. But equally many have gained from such investments.

The unit trust industry in Malaysia dates back to 1959. In the 1980s, the ever popular Skim Amanah Saham Nasional was launched with 11 funds and the response has been overwhelming ever since.

https://www.thestar.com.my/business/busines...st-remains-high

to Gov, all of us need to be "protected from our own stupidity"
thanks to ppl mis-selling +ppl too lazy to read/think and same ppl complaining to Gov / EPF when some of their investment (or worse all-in) go tits-up.
negative feedback loop until even TD Ameritrade is on Sus! list of BNM. Dang changgih man... sigh..

Hmm... so lots of fortunes amassed, I guess?

Did you have a chance to speak to the fund managers themselves and have a glimpse of their strategies and holdings?

In any case, just make sure you don't put all your money/wealth in it.

They actually outperform the top investment fund in USA...

They also organise yearly client seminar where we could meet the find managers on their investment strategy with Q&A session ...

What if you are a very big client (e.g. akin to a family office)? Still no special treatment?

I see. You sound like an insider in the fund management industry.

And no, I am not that rich.    Just curious to learn more about the "dark" high finance world.

Hi there sifus, anyone heard of CP Global fund? it's singapore based asset management. Would like to hear some insight or opinions about it if anyone ventured into it before. tqtq