haha, I understand 100% what you are trying to say. I was just pointing out that your opinion (which is legit) should exist in another thread, not this specific thread that talk about FSM.

When you accuse people can't accept different opinion, did it reflect on you that you can't accept different opinion too ?

No, I won't ignore anybody's comment because I respect everybody's opinion. But I can accept anybody who ignore mine. I understand different people has different style.

I will stop here anyway because I have talked too much which is irrelevant to this thread. Apologies to the regular of this thread

I m discussing mutual fund in general.
Most of my funds I bought them from PM and FSM. I was FSM platinum customer as well.
I did not highlight PM experience in particular until some other forumers ask me about how to leverage and what funds to leverage, only I responded.

FSM sells mutual funds and I am talking about mutual funds that I bought from FSM. And my experience is that FSM funds gave me 8% pa return in average which i m not satisfied, I believe it is within the topic.
I did not discuss about car, fashions, or politics. So this is the right thread.

Ok bro understood 100%. Please continue do what you think is right.

Just 1 last question, if someone go the Foresta thread and talk about gold which has higher return than property investment, what would be the reaction of the foresta investor there ?

Let's focus on mutual funds investment.
No personal attack like "feeling lonely" or "damansara Foresta"...

This post has been edited by cheahcw2003: Aug 11 2013, 04:28 PM

Mr Cheah,

I'm being serious and not looking for a war, u SERIOUSLY DO NOT KNOW MUTUAL FUNDS, ALL THOSE CHARGES ARE ALREADY REFLECTED IN THE NAV PRICING.

Thanks for highlighting this.
Some funds display gross some display net performance. I did know more about mutual funds that is why I only get 8%pa for the last 13 years, u probably get better return.
So ur research reveals that majority of the funds outperform market?

This post has been edited by cheahcw2003: Aug 11 2013, 04:55 PM

Personal attack ? You were the one who say you are lonely, that is the reason you post your first comment here....

Foresta ? I am just giving an analogy. Don't know how you see it as personal attack. Apologies if you feel so. If you feel it is a personal attack, then all the FSM people here should feel your personal attack to them too

Read carefully, when they say "net", it only mean net of initial sales charge, AFAIK ALL MUTUAL FUNDS in Malaysia and Singapore already taken admin, trustee and other expenses in NAV calculation.

If majority of funds outperform market, u won't see the rise of ETFs.

That is why we have to do some homework to select the better ones from the many available out there.

It's those ppl who don't do any homework, relies solely on sales pitch to buy and then whine "UTs are a scam, I could get better returns elsewhere" that pisses me off.

This post has been edited by Pink Spider: Aug 11 2013, 05:08 PM

I attack nobody except sharing my own experience. I did not do any name calling from the beginning.

I know this is a FSM investment thread, everyone going the same direction (fish effects) and if anyone go different direction it will deem different species and would not be welcomed. i just give different opinions and this is what the forum for. Discuss, agree, disagree, agree to disagree.

By the way, pls enlighten me when did I say I m lonely?

Erm count me out, not all.
I think there are some misunderstanding here. cheahcw2003 just trying to share his experience.

And back to the karma thingy...

That is why I'm also personally against trading of commodities esp agricultural goods, those items are necessities to many, and yet greedy traders manipulate the prices to their advantage.

Stocks are not a necessities, u won't starve to death if u don't own any stocks. Thus if u talk about fund managers speculating on stocks, I've nothing against them.

A little contribution goes a long way.

If u kept thinking "well, everyone does it, so if I don't do it out of conscience, then I'm losing out", then when karma comes/God questions you on Judgment Day, don't complain.

This post has been edited by Pink Spider: Aug 11 2013, 05:13 PM

Ok.......

I will ask for the last time...

Is it ok if someone talk about gold/forex as better investment than property in general in the foresta thread ?

Just trying to relate his experience of being "attacked personally" Not saying people here felt so....

Anyway, I feel I talk too much here..... I am out !!

This post has been edited by EddyLB: Aug 11 2013, 05:15 PM

Thanks for the explanation.
UT is not a scam, it is just a costly way of investment. Good for beginner and those who do not hv much experience and has limited time and funds.
It took me > 10 years to discover that UT is too costly and there is other better way like ETF, Reits, index funds.
Now I m retired only I hv time to re-look my own portfolio and decided to invest by myself.

No offense to FSM investors.

Haha thanks. I can't even remember I said that. Aiya...Old already. I was waiting my flight at the airport and killing time in the airport lounge...

To answer your question, if some1 telling me there is other investment better than what I did, I will eager to learn more instead of close my mind and defense it. I am open to any investment recommendation as long as it is legal.

Since u talk about karma thingy. I would also like to share my humble opinion.
Well, We live in a capitalist world, so the demand and supply market will decide the price, unless u live in communist world, u wait for your food and house allocation from the government.

For property, no doubt it is a necessary to have a roof above your head but u don't necessary have to own it. You can rent it. Even cash rich as banks, they do not own all their branch business premises instead they pay rent to their landlords/property investors. In many developed nations like UK, Germany most ppl do not own a house in their life time, instead they prefer to rent it. This open an opportunity to property investor to invest and rent it out for those who need it. Willing buyer willing seller, willing landlord willing tenants, this is how free market works

Ok, then I am a communist.

Then I presume Mr Cheah also more than happy to live under a corrupt government bcos "the majority kept it in power, even though it wasn't won free and square", u are not willing to contribute your share to change the world that u are living in.

This post has been edited by Pink Spider: Aug 11 2013, 05:43 PM

I will try to ask a similar question in foresta thread when I am free 1 day

This post has been edited by EddyLB: Aug 11 2013, 05:41 PM

wah wah, FSM discussion become wat edi.. offtopic until moon or mars edi bro and bang.. chill

Why bring in politics?