When u invest with agent who usually is your friend, relative or even part-time GF , u got someone to discuss things over, share info etc.

With FSM, sometimes it can get a bit "lonely", thus we enjoy the company of fellow investors here.

I just merely shared my personal experience.
I said I vested in mutual funds for 13 years, my conclusion based on my experience is my other investment give me better return. I m not here to inviting debate. You can share your experience as well to prove the otherwise.

About karma thingy, a lot of ppl speculate on stocks also especially fund managers. Not only property, gold, petrol, commodity like rice, garlic also open for speculation, so we can't say karma. If u want good karma then better put money under the pillow.

I monitored the funds monthly/ quarterly and switch in between bond and equity funds. As a public mutual gold member, I enjoyed 12 free switchings per year, also for FSM- HK, they also offer unlimited switchings as well.
I would say for the last most active 10 years, I made around 8% p.a. in average only. Not outperform my other investment.

I remember one of the bro here shared a picture that FSM sent them what to fill up when making a transaction through M2U.

If fill the recipient email with FSM email, there will be no need to send another email to them attaching the receipt. I'm fairly sure this was what the bro who posted meant.

Asked them through LiveChat and they couldn't give me a definite answer. Reason being when I put FSM email, M2U don't recognize it.

Even I saved the account number, the email address is not saved if I'm not mistaken.

Each time I do transfer I need to type it again.

I inserted the exact email, but can't proceed. Hmm.. Didn't save their account as favorite though. I don't think that will be a problem?

In short, lets say you buy in 4 times in a fund :

RM10,000 @ RM0.50/unit
RM5,000 @ RM0.455/unit
RM5,000 @ RM0.40/unit
RM10,000 @ RM0.55/unit

Your total units is (eg: RM10,000/0.50) for all 4 transactions (sorry, I lazy calculate). Your gross amount invested RM30,000.

RM30,000 / total units available will be your units average cost. And of course if you calculate correctly, the profit % etc will be exactly like what FSM reflects in your 'Portfolio Holding'.

check this
http://www.fundsupermart.com.my/main/home/clientCare.tpl

give them a call to find out and do PLEASE inform us?

How many times do I have to repeat this

For OFFICIAL MATTERS like this, check with FSM DIRECTLY for a reliable answer.

Forum is good for OPINIONS.
For ANSWER to questions, go direct to the official channel.

Sorry lar just came back from funeral of an old friend, emo sikit

Generally, this is my approach...

Does the question need long-winded reply and/or need the other party to analyse my query?
Yes - write in
No - call/click LiveHelp

just don't forget your needs "I hv write to them, just not sure they can reply by tmr noon, I plan to send the doc. by noon."

just for chatting purposes...no offence intended....
just in case, tonite Dow Jones "Crashed" will you still go tomorrow?
need not reply also can.

i notices hwang select bond cannot buy in anymore..