got a question on FSM.

if 1 day, FSM decides to close shop, will the users be affected? or will the UT stay tied to the user's name? thus can trade the UT at other institutions?

silly question right

You top up whatever funds got hit, I'll buy those two since I don't have them yet 

I'm looking at the 3-yr Volatility and Sharpe ratio. They are about the same on volatility but sharpe ratio signifcantly higher. Not sure if the numbers are correct but here what I got from FSM

OSK-UOB Global Equity Yield - 10.99 - 0.17
Pacific Global Stars - 9.66 - 0.11
Alliance Global Equities - 10.87 - 0.47
CIMB-Principal Global Titans - 11.57 - 0.24

Also FSM has switched half of their global fund from PGS to Global Titans for their recommended balanced portfolio.

I have different opinion. I would look for how well a fund can recover after a downturn. If you look at 3 years chart, all the 4 funds tracked pretty closely with Alliance perfoming the best when it can withstand the selloff in Nov'12 while the rest of funds are recovering from it. This is post recession. If you look at 5-years chart, Pacific performed the best and recovered ahead of others, Alliance and CIMB about the same while OSK did not really recover from it. Base on this chart, I would avoid OSK-UOB and go with either Pacific, Alliance and/or CIMB. BTW, I have both Pacific and OSK and plan to keep only Pacific and buy into Alliance and CIMB. If you look at how their NAV moves for the past few years, it track the stock market pretty well. I would expect the NAV to drop significantly around May-July timeframe and rise again in couple of month. If you perform VCA well, you should be able to get pretty good IRR over 5-10 years period. I look back at my PM funds, I did get 16% IRR for PFSF and PISSF, 13% for PISEF and 12% for PIEF and PIDF and I did not really perform VCA but DCA quarterly as allowed by EPF. So IRR more than 10% is achievable, just how well you can take the risk. It might not be for everyone. I know many would freak out when they have just 10% drawdown.

anybody ever exercise the 6 days cool off period?
how it works?
do they give you back the sales charge deducted?
since its 6days, how they count? is it from the first day when you place the order, or T+4 (once you see your fund shows up in ur account) then only start the 6 days from there

A little question about Annual Trustee fee, when it's charged? Is it one year after we purchase a fund or in January every year?  What if we sell the fund before it reaching a year, say, in 11 months? Do we still have to pay this fee?

Distribution statement for AmAsiaPacific REIT and AmDynamic Bond are out.

Yup, me too... I think can only see the statement around 1 month time, rite? Same case with my OSK-UOB Asian Income Fund's

Same here. AmAsia Pac Reits are my first UT dividends, so seeing the email was a cherry popping moment for me. Hehe.

Haha yea I read thru a few pages back on how dividends are actually a 'taking from our left hand and giving us on our right hand' situation. Nonetheless, its nice seeing the value of my investments spike up after the drop during ex-date.

Hey, thats a good idea. Just recomputed my XIRR. Even before receiving back my OSK OUB EM Bond Fund dividends, it stands ta 9.45%... What took me so long to jump on the UT bandwagon lol. I've been contented with subpar FD rates for so long.

yes please share your portfolio.. i wish to learn more about UT in this few months, then when the FDs mature can invest in UT instead..

thanks.

haih im only having 3.xx% from FD for the past 3 years.. last year moved some funds to REITs, getting 6.xx%. this year will move some funds to UT. i currently have UO asian income fund, and its only because the bank agent managed to persuade me 

UO AIF ex-date soon right? do u suggest i top up?

Haha, very humble investments la. most of them purchased during the FSM 0.5% promo, so the break even was much quicker.

AmBond ~18%
RHB Bond Fund ~11%
OSK-UOB Emerging Markets Bond ~17%
Hwang Select Balanced Fund ~10.5%
Aberdeen Islamic World Equity ~18%
AmAsia Pacific REITs ~14%
Hwang Asia Quantum Fund ~12%

approx at that range to date, based on current value. I do a monthly topup to whereever I see value and based on the recommendations of the sifus here.

do you mean the part of : dividend is just "left hand go right hand"?

i understand this.. so at rm1.00 now, if after ex-date it goes to 0.90. and i bought it earlier at rm1.00, buying it again at .90 brings down my average to .95 right? is that how we do it in UT? bear with me please 

i see! thanks for the insight! learnt something new today ^^

EI Asia Pacific equity had drop below it's benchmark.. haihz.. =(

i sell some of my unit, i think it would take 24 hours with the current price, however, im wrong. which means its quite complicated to lock in profit.

hello sifus, im thinking to park some of my money into bonds, looking for low to moderate risk bonds. from FSM's webpage, one of the recommended bonds are

Bonds - Asia
United Asian Bond Fund Class SGD

Bonds - Global
LionGlobal Short Duration Bond Fund

Bonds - Money Market & Short Duration
Cash Fund

Bonds - Singapore-Centric
LionGlobal Spore Fixed Inc-A
United SGD Fund Cl A

any advise on any of these?

and how do i calculate past performance of UT? when i view 'fact sheet', i see some numbers, but cant figure how to count =/