For those that did the transfer in of funds from bank to FSM, did you guys paid RM50 transfer fee?

I'm not sure if it's the bank who is charging or FSM. So reluctant to pay.

Bursa can short meh?  If cannot short, big correction is bad for investors. I prefer healthy growth.

WTF! I'm transferring from OCBC. Why are they charging me!!! 

I'm gonna call them and make noise now! 

The process:
1) Sell all funds
2) Remit the proceeds to FSM bank account

Why would it need RM50???
My holding in EI GEM IRR dropped from 4%+ to less than 1% now

I think TakoC is mentioned about the transfer " unit trust FUND " not transfer " monies (FUND) " lol

E.g.

Start:
Equities RM10,000 Bond RM10,000

Equities drop to RM9,000, Bond RM10,000

Top up Rm1,000 on equities

If u are 50 or older, EPF is touch-able. For ppl like me, got millions (I wish ) in EPF also no use, cos cannot withdraw

History shows eventually it will unless the whole economy destroyed by war... even though Europe/Japan economy is bombed to shit during WW2, also bounced back eventually wat. Can't get worse than that..

If you follow balancing correctly, you would have reduced equity or suspend when the prices shoot astronomically, so you won't be left holding the bag either.. unless you did not do that.. 

If you are greedy and buy MORE at the top.. then good luck lah...

1st before you digest, what is your expectation.. if you want average earning of 20% then might as well forget it, you will head to your doom by being greedy.

I target only 8% return yearly...on average ... over very very long term.

Have a realistic target and you will not stress over it too much.

U have to get used to the "new normal", 10% annualised return is a thing of the past the way I see it.

I mean u should expect your IRR to drop going forward

I've contacted with Andy before. Now the problem lies with Maybank, which Maybank doesn't allow to do transfer. The only way is to dispose units at maybank and rebuy again at FSM, and nanti all those management fees mahu dibayar semula 

Thank you for your email.
We reply this email as Sean is on leave today.

Please be informed that we have keep your redemption form as record in order to offer you the transfer-in arrangement.

Kindly notify us to adjust the sales charge when you placed order online before the 2:30pm as we need to adjust it manually.

Sean will continue to follow up with you when he is back to office.

Please do not hesitate to contact us if you need any assistance.
Thank you and have a pleasant day.
Regards,

Eugene Lye
Client Investment Specialist

People continue to overestimate the risks in the U.S. I would argue that they grossly - and I'm not using that word lightly - underestimate the risks in the emerging markets. A lot of the problems that people think are inevitably going to crop up here, including inflation and out-of-control money growth, are actually happening in the emerging markets. We aren't seeing those risks here. But the thinking is that it is inevitable and it has to happen here. A lot of people have talked about how the great rotation will be a shift from bonds to stocks. But that's not right. The great rotation - and the biggest decision you have to make for your portfolio - is that for five to seven years, it is not going to be bonds to stocks, but rather non-U.S. assets to U.S assets. We are maybe in the fourth inning of a secular period of outperformance for U.S. assets. Think about this: The Standard & Poor's 500 has outperformed emerging markets now for five years. Nobody cares, and it pains people to admit that the U.S. market has been outperforming.

Nope. I think they're going to promote [sell] their Malaysian fund.

heart must be steady
red red red

Market adjusting to the news already, now slowly climbing back up and up.. hopefully