Just received my EPF A/C 1 investment forms from FSM, they even sent me an envelope addressed back to them affixed with stamps for me to mail back to them.

Prudential Insurance Advisor
Masters in Business Admin. (Finance)
Affiliate Registered Financial Planner



Tunjuk ajar ku, sifu

Lower Sales Charges definitely as what David83 said.

At first it might seems to be a challenge due to not having an agent/customer service officer hard selling guiding you thru the process; with FSM, you yourself have to pick the fund(s), decide on how much to invest, when to invest etc.

But FSM has 2 very helpful services that I can confidently vouch for, their service quality and knowledge are miles better than what I used to get from bank-based people, whom I feel is more sales-focused than service-focused:
(1) Live Help - you can chat with a FSM officer online during office hours to ask for help on practically anything other than investment ideas.
(2) Client Investment Specialists - if you need investing ideas, they are the ones you can talk to. The usual means of communication with them is thru e-mail. Or you can leave your number with them, they will call you at a time convenient to you.

After some time, you will learn more, and become a more independent and knowledgeable investor. And its not really that hard.

This post has been edited by Pink Spider: Mar 26 2013, 09:26 PM

Bank is an Institutional Unit Trust Adviser, FSM also same, i.e. they're both AGENTS distributing the funds as what wongmunkeong said.

Unit trusts are not guaranteed in any way FYI, buy the wrong funds at the wrong timing, u can lose your pants even if u buy from bank, cos its an investment, not a deposit.

Fund Houses are getting more and more supportive of FSM, as can be seen from their participation in FSM functions.

Terminology:
Fund House - the entity that manages unit trust funds, e.g. Hwang Investment Management, AmInvestment, Pheim Investment etc

Public Mutual got their own agency force, if they were to allow FSM to sell their funds at 2%, their agents gonna be out of job

Yeah, Dow Jones and S&P 500 just keep creeping up and up, whilst Asia ex Japan got hit by selldowns every now and then. My next topup would be for Eastspring Investments Asia Pacific Shariah and Hwang Asia Quantum.

Wow, Shanghai started -2%

Singapore STI very resilient compared to Hang Seng

This post has been edited by Pink Spider: Mar 28 2013, 10:32 AM

Go post #1, click the link to FSM FAQs, u will read what will happen if FSM close shop. FSM is licensed and regulated by SC and Federation of Investment Managers of Malaysia.




AFAIK, only PUBLIC MUTUAL got agents serving retail investors, others mostly serve high net worth clients only with their in-house staff, not agents. As I've said, if PM were to let FSM sell their funds at 2% or lower, their agency force gonna



This post has been edited by Pink Spider: Mar 28 2013, 01:27 PM

Website maintenance I think, it looked different.

1 hour ago still can, now cannot

"Analyse My Portfolio" no problem

Hacked by PM agents?

Even though nothing appears when u select View By Fund Name, u click the "Print", all your holdings will come out. Relax la...even banks also will have online banking downtime what

This post has been edited by Pink Spider: Mar 28 2013, 09:18 PM

iFAST = holding company of FSM

U not using a lot of internet banking? Banks also happen things like that, u log in cannot see your account details

Masih nak beli Meleisia punya fund

I topped up Global Emerging Markets equity on Thursday

Means 11% cash...

OSK-UOB also takut GE

Btw, Eastspring Investments Asia Pacific Shariah also cash-heavy at 20%+ as at 28-Feb-13

This post has been edited by Pink Spider: Mar 30 2013, 10:43 AM

U need more higher growth potential funds...

Btw, OSK-UOB EM Bonds might be worth topping up now, Brazilian 10-yr bond yield has risen to 10%, it's been hovering aroung 9.4% for some time prior to this.

Just a gamble that yields won't go any higher

Tailou, they need cash for redemptions ma

But hor...an outstanding performer by the name of Hwang Asia Quantum Fund sometimes hold up to 30% cash, sometimes near zero cash

Too many mixed assets/balanced funds

U are like, having 3 butcher knifes but no spoon and fork in your kitchen

This post has been edited by Pink Spider: Mar 30 2013, 01:21 PM

My EPF money going into Hwang Select Opportunity Fund. GE? No worries, doubt that Malaysia will go downturn for >10 years

How? How? How? Don't monitor too closely lo, less heartache

I'm gonna do Value Averaging on my EPF-funded investment, up 3K every quarter