That's for sure. 2% top vs 5.5-6.5%

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.

er... sorry to butt in.
U may want to note down the particulars of the bank's employees that stated "the bank ppl told their advantage is they are secure. fsm not secure/guarantee" and ask to see their supervisor for misselling or at the very least, misinformation.

IF FSM sells their bank's products,
FSM just acts like a "Unit Trust Consultant", albeit a corporate version (pls Google CUTA for more details) rather than an individual/person,
it is the bank / fund house that one buys from & holds unit trusts in.

Is it safer to buy from an individual/person UTC or corporate UTC?
Is there any difference in holding unit trusts sold by a bank via an individual/person UTC VS. via a corporate UTC?

Bottom line:
FSM is NOT the fund house that one buys unit trusts from.
FSM represents several fund houses and sells for them, akin to individual/person UTC (unit trust cconsultant).

Thus, how does "the bank ppl told their advantage is they are secure. fsm not secure/guarantee" come into play?
Payment processing ar?

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

It is Hwang Select Income OR Hwang Aiiman Select Income?

Website maintenance I think, it looked different.

So you can view by Fund Name?

Mine shows nothing but the header for that page.

Wow.. ur OSK supporter yeah!! Mostly alll Malaysia focus.. need regional exposure

Too many mixed assets/balanced funds

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

All the same holdings, you need to diversify all your risk. You are having 5 eggs in one basket. You need to have 5 eggs in 5 basket...

Icic.. I dont have tax liability in Malaysia, I have 0 KWSP contribution 

IMHO, balanced funds are for "lazy" investors or investors with little capital and wants diversification.

If u can afford to invest in that many funds, u can create your own DIY "balanced"portfolio, e.g. have 50% in bond funds, 50% in equity funds, and perform quarterly re-balancing. Theoretically (and if done correctly), that should give u better returns from investing in balanced funds.

Belasan ribu dah cukup la...

Profitability is only meaningful on a relative basis.

U invest 5K in a fund and made 10% i.e. RM500
U invest 1K in five different funds, some made money, some lose money, total net return is 10% i.e. RM500

Ada beza?

As @pinkspider mentioned, have a mixed of fund sometimes is better than 5k in just one fund
Who know that particular give low profit while others are giving comparatively better returns.
And due to limited resources ($$), we just opted for one fund. Opportunity cost...

Yes. That's why I always review my investment performance on a portfolio basis, i.e. I won't worry if 1-2 funds are making losses, if the portfolio as a whole is delivering the returns. Who knows when the other funds drop, the 1-2 will be there to stabilise the portfolio returns?

Hwang funds, minimum initial purchase: RM1,000

Silver only RM50,000...rajin sikit jimat n invest

Silver is achievable for those who really pick UT as their investment... no prob, you will be there soon. Keep it up...

dear guys
bad news
CIMB Principal Asia Pacific Dynamic Income Fund big drop!!!
Almost 5.4% !!!
sob sob sob....

Those 3 -ve funds having distribution pay out...

like previously mention by sifu here, if got distribution better put on hold the tracking of daily NAV value till FSM have updated ur a/c with units reinvested back to ur fund...

...the non-sifu mentioned is damn Pinky

Just freeze NAV at last day before distribution, i.e. the cum-date. Cum...  
Let's just say freeze NAV at the day immediately before ex-date

This way, the fund having distribution won't mess up your portfolio IRR and ROI while waiting for distribution units to be credited.

2 weeks ago u buy ur funds can drop/increase so many a?

For everyone's reference, here's the region breakdown of my equity funds.

Fact sheet of the funds got region breakdown ma...

E.g. I got 18% in Hwang AQ, it has 30% in Malaysia, so it'd be 30% x 18% = 5.4%. Sum up for all funds by region, link to a chart...BINGO!

Fund fact sheet will tell 2 breakdown information:

Country Allocation and Asset Allocation.

Next, it'll show you top 5/10 holdings.

Create bene a/c lo, simple. If u open normal a/c, u RIP, ur wife has to go thru court process etc etc etc, more work. Similar to bank account too.

Now dividend announcement page at FSM got display gross distribution and net distribution already, we can calculate the distribution ourselves rather than wait for the dividend e-mail

I don't really set individual target for different class of funds. For me, as long as my portfolio as a whole beats EPF, I'm happy.

OSK-UOB Income Fund kena quite a lot of tax (or maybe expenses?)...gross RM0.07, net RM0.06. That's RM180+ of income "lost"

Eh, Smart Income Fund is not really a bond fund...it can have up to 30% exposure in small-mid cap Malaysian equities, u aware of that?