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 Fundsupermart.com v2, Learn about DIY unit trust investing

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jerrymax
post Mar 1 2013, 05:49 PM

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That platinum status ar.. I think lou sang with 12 amois in 1 table.

I silver pun havent reach
jerrymax
post Mar 10 2013, 12:26 PM

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Pink, is Hwang Global Financial Institutions Fund available at FSM? Couldn't such that fund. Or is it only limited time subscription?
jerrymax
post Mar 10 2013, 05:06 PM

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PRS fund allows withdrawal at 8% tax penalty each.
Normal fund provides flexibility than PRS due to the charges.. no?
jerrymax
post Mar 12 2013, 11:29 PM

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Hwang investments does not accept RSP? How come I see some hwang funds can start as low as RM100
jerrymax
post Mar 17 2013, 09:27 PM

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My portfolio at FSM MY 7788 liao.. just top up by value+dollar averaging.

Going to open UT acc at SG for other funds blush.gif

jerrymax
post Mar 17 2013, 09:41 PM

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QUOTE(David83 @ Mar 17 2013, 09:34 PM)
MYR 7788 represents what? Cost? Or valuation?
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oopss.. 7788 here means completed. haha in chinese laugh.gif
jerrymax
post Mar 17 2013, 09:56 PM

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QUOTE(Kaka23 @ Mar 17 2013, 09:44 PM)
you stay near jb? or work in sg? interesting to open fsm sg account though
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I stay at JB, commute daily to SG to work. doh.gif

FSM SG has additional platform fee charge every quarter though.
jerrymax
post Mar 17 2013, 11:31 PM

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Their charges different from MY.

http://www.fundsupermart.com/main/research...?articleNo=3992

P.S Didnt know MY got platform fee also. Tehee.
jerrymax
post Mar 20 2013, 12:08 AM

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Hehe.. so silent today.

My funds all red today wub.gif
jerrymax
post Mar 21 2013, 08:35 AM

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What is your acceptable % of downturn before withdrawal of fund. Understand that osk-uob gold n general fund still dropping and investors still keeping it, hoping for breakeven.
jerrymax
post Mar 25 2013, 09:40 PM

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PGSF keep dropping too. Haha.
jerrymax
post Mar 25 2013, 10:51 PM

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Ok so after dividend distribution, you get some additional units and NAV drops. Then after few weeks if fund perform well then NAV increases to the point where it is back to the NAV before distribution. Doesnt it mean you gain some income from distribution?

P.S saya budak baru belajar. Jangan overkill me.
jerrymax
post Mar 25 2013, 11:19 PM

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Ha.. like that ar? Then what's the point of dividend distribution since units and NAV price has negative correlation?
jerrymax
post Mar 30 2013, 09:31 PM

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Not sure if this has been discussed before but.. does anyone buy PRS fund?
8% tax for withdrawal once a year sounds painful though, how different is it from typical unit trust funds?
jerrymax
post Mar 31 2013, 09:21 AM

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QUOTE(marketstore @ Mar 30 2013, 10:55 PM)
i am doing it for tax exemption....my tax bracket is high
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Icic.. I dont have tax liability in Malaysia, I have 0 KWSP contribution cry.gif
jerrymax
post Mar 31 2013, 09:53 AM

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QUOTE(Kaka23 @ Mar 31 2013, 09:41 AM)
u pay tax in SIN ma.. u got their equivalent EPF (CPF if not mistaken)...
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CPF only for citizen and PR. I'm holding work pass doh.gif
jerrymax
post Mar 31 2013, 11:00 AM

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QUOTE(Pink Spider @ Mar 31 2013, 10:40 AM)
Then make UTs your "compulsory" monthly contribution...otherwise u have zero retirement savings. shakehead.gif

Zero EPF is good...no wealth locked away until 55 years old...not contributing to crony and phony government businesses
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Yeah I do make compulsory monthly contribution on UTs. Do I need to put in PRS fund or just normal UT?
If PRS, then 70% will be locked, 30% premature withdrawal at 8% tax.
Or I just invest in normal funds eh smile.gif
jerrymax
post Mar 31 2013, 11:20 AM

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No Meleisia tax icon_rolleyes.gif
So all invest in UTs? hmm.gif
jerrymax
post Mar 31 2013, 12:38 PM

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QUOTE(gark @ Mar 31 2013, 12:18 PM)
If you are not taxable in Malaysia (ie you pay SG tax) please beware that all dividend/income you receive MUST pay flat non-deductible 26% tax for non-resident taxpayer. Please declare accordingly using LHDN Form M.

Or you can choose to take UT with zero dividend payout...  rclxms.gif

http://www.hasil.gov.my/pdf/pdfborang/Form_M2012_2.pdf
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Haaa I Malaysian need to pay 26% tax as non-resident taxpayer??

QUOTE
Income Remitted from Outside Malaysia

With effect from the year of assessment 2004, income derived from outside Malaysia and received in Malaysia by a resident individual is exempted from tax.


Sos kicap LHDN
jerrymax
post Mar 31 2013, 12:42 PM

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That means I am exempted by tax? Banyak blur sudah.

Since I pay SG tax, impossible I pay MY tax also.. double taxation. vmad.gif mad.gif

This post has been edited by jerrymax: Mar 31 2013, 12:43 PM
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