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 Fundsupermart.com v5, Manage your own unit trust portfolio

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SUSDavid83
post Nov 17 2013, 08:48 PM

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QUOTE(pinksapphire @ Nov 17 2013, 07:22 PM)
I have a question regarding sales charge. I've read the FSM information, but knowing me, I might get the wrong idea, lol.

Do help me to understand here. It says now that there are no more sales charge, but there's platform fees.
Let's say I buy 1 fund with RM10k investment. How much do I get deducted from FSM? Is it according to whatever platform fee that is tied to that particular fund as shown in the site?
If yes, anything else on top of that that will be deducted from me?

So, if the price increases by 5%...so my profit = 5%-platform fees?

What is the difference between this and buying from the bank in terms of charges? I see that most bank charges about 4-5%. So meaning my price has to increase more than 4-5% before I can make a profit, yes?

Thanks!
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Have you read all the FAQs on this matter?

http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8467
pinksapphire
post Nov 17 2013, 09:58 PM

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QUOTE(David83 @ Nov 17 2013, 08:48 PM)
Have you read all the FAQs on this matter?

http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8467
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Yeah, I did earlier. And it seems like the fee is not high at all and I'm concerned if I've actually missed out on something.
SUSDavid83
post Nov 17 2013, 10:05 PM

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QUOTE(pinksapphire @ Nov 17 2013, 09:58 PM)
Yeah, I did earlier. And it seems like the fee is not high at all and I'm concerned if I've actually missed out on something.
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A forumer did some analysis and comparison on this matter. In long term, the platform fee will be relatively significant.

All fees will be mentioned upfront in the respective fund info page. No hidden fee or charges otherwise stated.
techie.opinion
post Nov 17 2013, 10:19 PM

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QUOTE(David83 @ Nov 17 2013, 10:05 PM)
A forumer did some analysis and comparison on this matter. In long term, the platform fee will be relatively significant.

All fees will be mentioned upfront in the respective fund info page. No hidden fee or charges otherwise stated.
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Yes.
pinksapphire
post Nov 17 2013, 11:13 PM

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QUOTE(David83 @ Nov 17 2013, 10:05 PM)
A forumer did some analysis and comparison on this matter. In long term, the platform fee will be relatively significant.

All fees will be mentioned upfront in the respective fund info page. No hidden fee or charges otherwise stated.
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Thanks for the confirmation.
ShinG3e
post Nov 18 2013, 10:55 AM

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QUOTE(pinksapphire @ Nov 17 2013, 09:58 PM)
Yeah, I did earlier. And it seems like the fee is not high at all and I'm concerned if I've actually missed out on something.
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Best to call the FSM hotline.

It's FOC. biggrin.gif

And surprisingly, the people who answer me seems more knowledgeable that agents running outside these days.
wongmunkeong
post Nov 18 2013, 01:48 PM

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QUOTE(pinksapphire @ Nov 17 2013, 07:22 PM)
I have a question regarding sales charge. I've read the FSM information, but knowing me, I might get the wrong idea, lol.

Do help me to understand here. It says now that there are no more sales charge, but there's platform fees.
Let's say I buy 1 fund with RM10k investment. How much do I get deducted from FSM? Is it according to whatever platform fee that is tied to that particular fund as shown in the site?
If yes, anything else on top of that that will be deducted from me?

So, if the price increases by 5%...so my profit = 5%-platform fees?

What is the difference between this and buying from the bank in terms of charges? I see that most bank charges about 4-5%. So meaning my price has to increase more than 4-5% before I can make a profit, yes?

Thanks!
*
Just to clarify, FSM.MY platform fees are only charged for certain bond / fixed income funds, not all funds.
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8467

Using your eg. assuming it's a bond fund that is charged (not all bond funds are charged platform fees):
1. U buy $10K of NAV$1
U get 10,000 units
No deduction outright
Only deducted per quarter from CMF, "best performing fixed income fund", etc
AND if U sold before the quarter - the fees will be deducted from your sales

2. Yes, if (1) went up 10% and the yearly fees is 0.2% then:
NAV $1 *110% *0.2% is chargeable per unit for the year
(er.. i'm simplifying to 0.2% per year yar, the actual is calculated & charged per quarter)

Stand to be corrected - just my understanding from the link notworthy.gif

SUSDavid83
post Nov 18 2013, 09:56 PM

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Distribution for 3 AmInvestment funds:

QUOTE
AmDynamic Bond was 1.5 sen per unit
AmAsia Pacific Equity Income at 5.5 sen
AmAsia Pacific REITs at 2.0 sen per unit


AmInvest Management Sdn Bhd has declared net income distributions for three of its funds, ranging from 1.5 sen to 5.5 sen per unit, for the third quarter of its financial year.

In a statement today, it said the distribution for AmDynamic Bond was 1.5 sen per unit, AmAsia Pacific Equity Income at 5.5 sen and AmAsia Pacific REITs at 2.0 sen per unit.

Read more: Income distribution for 3 AmInvest's funds http://www.btimes.com.my/Current_News/BTIM...l#ixzz2l0Oa0jiu
echoesian
post Nov 19 2013, 12:16 AM

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Need your guys opinion, I'm planning to invest in a Bond fund, this is my first time investing in a bond fund. I have short listed the fund: RHB Islamic Bond or AmDynamic Bond. It is a long term investment probably 5 years.
Any comments?
repusez
post Nov 19 2013, 12:19 AM

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hi, would like to know which fund did you guys invest with your EPF withdrawal ? which is the fund that's still worth to invest for EPF fund?
what are the FSM fund that offer overseas exposure apart from OSK Kid Save Trust, OSK-UOB Emerging Opportunity Unit Trust , Hwang Select Opportunity, AMB dividend trust ?
anyone did fund switching for EPF fund with FSM before ?
SUSPink Spider
post Nov 19 2013, 09:45 AM

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QUOTE(repusez @ Nov 19 2013, 12:19 AM)
hi, would like to know which fund did you guys invest with your EPF withdrawal ? which is the fund that's still worth to invest for EPF fund?
what are the FSM fund that offer overseas exposure apart from OSK Kid Save Trust, OSK-UOB Emerging Opportunity Unit Trust  , Hwang Select Opportunity, AMB dividend trust ?
anyone did fund switching for EPF fund with FSM before ?
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EPF-compliant funds with foreign exposure very limited.

Basically all the good ones u hv mentioned.

Hwang Select Balanced also got a bit foreign exposure now.
SUSDavid83
post Nov 19 2013, 09:50 AM

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My Hwang PRS Moderate Fund is finalized.

From the datasheet, it is investing in several Hwang funds:

Holdings as at 30 September 2013

Hwang Select Dividend Fund | 29.5%
Hwang Select Balanced Fund | 30.0%
Hwang Select Bond Fund | 39.8%

Guess I need to invest into any Hwang funds anymore. laugh.gif



SUSPink Spider
post Nov 19 2013, 09:54 AM

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QUOTE(echoesian @ Nov 19 2013, 12:16 AM)
Need your guys opinion, I'm planning to invest in a Bond fund, this is my first time investing in a bond fund. I have short listed the fund: RHB Islamic Bond or AmDynamic Bond. It is a long term investment probably 5 years.
Any comments?
*
Not advisable to start investing in bond fund now...interest rates (esp Malaysia) only has one way - UP.

Park in Cash Management Fund and/or short-dated bond funds like AmIncome Plus to protect your capital for now.

Just my 2 sen icon_rolleyes.gif

This post has been edited by Pink Spider: Nov 19 2013, 09:54 AM
xuzen
post Nov 19 2013, 12:01 PM

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QUOTE(Pink Spider @ Nov 19 2013, 09:54 AM)
Not advisable to start investing in bond fund now...interest rates (esp Malaysia) only has one way - UP.

Park in Cash Management Fund and/or short-dated bond funds like AmIncome Plus to protect your capital for now.

Just my 2 sen icon_rolleyes.gif
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How come all the fund which you recommend, I also got holding wan? We both got telephatic power ar?

Xuzen
SUSyklooi
post Nov 19 2013, 12:21 PM

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QUOTE(David83 @ Nov 19 2013, 09:50 AM)
My Hwang PRS Moderate Fund is finalized.

From the datasheet, it is investing in several Hwang funds:

Holdings as at 30 September 2013

Hwang Select Dividend Fund | 29.5%
Hwang Select Balanced Fund | 30.0%
Hwang Select Bond Fund | 39.8%

Guess I need to invest into any Hwang funds anymore. laugh.gif
*
latest holding of Hw PRS Moderate as at 31 Oct 13
added in Hw Sel Asia Oppor
you are right...1 fund = 4 funds

This post has been edited by yklooi: Nov 19 2013, 12:22 PM


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SUSDavid83
post Nov 19 2013, 12:23 PM

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QUOTE(yklooi @ Nov 19 2013, 12:21 PM)
latest holding of Hw PRS Moderate as at 31 Oct 13
added in Hw Sel Asia Oppor
you are right...1 fund = 4 funds
*
You also invested in this PRS fund?
SUSyklooi
post Nov 19 2013, 12:25 PM

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QUOTE(David83 @ Nov 19 2013, 12:23 PM)
You also invested in this PRS fund?
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yes....but just for the tax relief...
xuzen
post Nov 19 2013, 12:26 PM

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QUOTE(yklooi @ Nov 19 2013, 12:21 PM)
latest holding of Hw PRS Moderate as at 31 Oct 13
added in Hw Sel Asia Oppor
you are right...1 fund = 4 funds
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He he he.. buy direct kena sales charge. Buy through PRS, tak kena sales charge.

Pandai betui ogang nih!

Xuzen
SUSDavid83
post Nov 19 2013, 12:29 PM

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Next year I would like to buy Hwang PRS Growth Fund
SUSyklooi
post Nov 19 2013, 12:37 PM

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QUOTE(David83 @ Nov 19 2013, 12:29 PM)
Next year I would like to buy Hwang PRS Growth Fund
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jfyi....Hw PRS Growth has PONZI...


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