Better than earning dust less than 1% right?

Yeah, read through post 1 before. Am also aware of the NAV-drop post distribution.

i think you have to ask the Investment house for how they set the "range-bound NAV" for that fund...it is their call..

HSIF - 70/30
KidSave - 50/50

The MAIN REASON why I like HSIF - it's not EPF-approved. So, no restriction on foreign investments.

Should not worry about how high the NAV or low the NAV fluctuating. Should have an idea on the region of where the fund is investing and do you think you have confident on the region growth. Your believe on this region need to be back up on how confident of you on US, Europe and China. As those big country kena flu, it will drag down other regions.

If you dont know how the specific region will fair, you will need to believe on the fundamentals and datas from analysis and economist.

I got a durian tree
On the tree got 10 durians
Tomorrow 2 biji dropped and I took and sold
Later grow another 2 biji
Then 2 biji dropped and I took and sold

*repeat and repeat and repeat*

HSI is 30/70 (inside this 70% bond is another 40% local and 60% asia bond) and kidsave is 50/50....
YES,...HSI should be lower risk than kidsave (according to FSM risk rating-lah)

This is quite a good analogy. Thank you!

if u still dun understand I gonna pluck your armpit hair and let it grow and pluck and grow and pluck

geeee, so gross

Thanks! Yes, fair enough. It goes back to the fundamentals, future earnings growth, and also not to look too much into the NAV per se but the total value (units x NAV) of one's holdings.

now that's crude! haha

HSIF doesn't seem to display their annualized return.

KidSave:
18.11 4.26 13.87 27.25 -13.69
(2012 - 2008)

Ya better than savings yield for sure for mid to long term.

You need to know also your sis is a low, mid or high risk taker and her investment horizon. Since I see she do not even put in FD, I guess she doesnt understand the power of compounding. Maybe she is high risk taker, just dont understand how to grow the money or not her interest.

To be safe, go for balance or fixed income with some equities weighting like Pink said HSI.

My wife invest in Kidsave for less than 2 years I think, when she go to the bank and print out the statement, it shows like 20++% ROI. She is so happy. But I told her pass 2 years market was good, so when correction she needs to be able to handle it as it may drop 10-20% a year. If didnt pre inform her, maybe she cannot sleep and ask me does she needs to sell off..

can get it from the FSM fund selector...click there to get lor...i just confirm there is

Now I'm doubling as HwangIM ambassador

http://hwangim.com/investment-solutions/re...ect-income-fund

See fact sheet. FSM maybe needs time to update the figures cos it's a new fund to FSM platform

Chill la bro, the more you share the more pahala.

http://www.fundsupermart.com.my/main/fundi...lnumber=MYHWSIF

Who say tarak???

Found it through yklooi Fund Selector.

Managing your family's money is always more stressful than your own.

Tarak lar. Usually is under Other Performance Data column one.