just a note: a forummer once suggested FD as a better choice for bond
considering the maybe 1% or 2% variance with much less risk....
oooh unless you go for RHB islamic or RHB bond.....  

Assuming it's 1 month FD. 3% per annum. 0.25% per month.

Which bond fund are you looking at? Bond funds' performance are generally sliding now.

Your question is too general.

Let's take a general bond fund from award winning AmInvestment AmBond fund:

The annualized return for 1 year is 1.4%, 2 years is 2.8% p.a and 3 years is 3.7%

URL: http://www.fundsupermart.com.my/main/fundi...number=MYAMBOND

If you take another award winning bond fund from AmInvestment AmDynamic Bond fund:

The annualized return for 1 year is 1.6%, 2 years is 5.0% p.a and 3 years is 6.4%

URL: http://www.fundsupermart.com.my/main/fundi...number=MYAMDNMB

The difference between them is risk rating and fund objective.

Thus the conclusion, the general return for a typical bond is roughly 5% to 8% which is usually outpaced 12-month FD.

As I said different bond fund has different investment mandate. AmBond fund is a short tenure bond fund that has a low risk; therefore its return will either match or slightly outpace FD.

Perhaps those 3 are not famous among forumers here.

"We" like Pacific Global Stars Fund, Alliance Global Equity Fund, OSK-UOB Global Equity Yield Fund both Hwang (HSAOF and HSAQF) and perhaps Aberdeen Islamic World Equity Fund.

1. Past performance
2. FSM recommendation

Pacific GSF -
The fund manager has a fairly flexible mandate to select stocks, and it's not afraid to hold high/low cash levels as they see fit

OSK-UOB GEYF -
A "safe" choice due to its focus on dividend-yielding equities from relatively stable sectors/industries

Alliance Global Equities -
Feeds into Singapore managed Fullerton Global Equities (Fullerton is associated to Temasek the Singapore sovereign wealth fund)

Hwang Select Asia Quantum and Select Asia Opportunity
HwangIM's performance speaks for itself. And why we call Asia Quantum the "Ponzi fund"...I leave it to your imagination

Aberdeen Islamic World Equity -
Sister fund to the hugely successful Aberdeen Global Opportunities available thru FSM Singapore, probably their only difference is one is Shariah-compliant while the other is not.

Have you read all the FAQs on this matter?

http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8467

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.

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 

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

Read the prospectus to know what is the fund's mandate.

AmIncome Plus invests in bonds that mature in <3 years if I don't remember wrongly. Interest rate movements won't hit it much.

Excluding PRS. I have 8 funds on-hand. Excluding sentimental PM funds, I have 6.

When fund is not performed as per your expectation, emotion drive will sure happen unless you want to let it auto-pilot.

I learnt this lesson and went thru this with Pacific Global Stars, happy that I persevered and kept faith

Funds that I gave up after prolonged underperformance:
Eastspring Investments Asia Pacific Shariah
AmAsia Pacific REITs

IMHO 6 months is too short.

Imagine u bought a fund during the slump of 2008-2009, and u dumped after a few months. Fastforward to 2013...you'd be cursing yourself.

Investing is for long-term, think at least 3 years and above.

DCA is about topping up FIXED AMOUNT on a regular interval regardless of what's happening.

I do VCA + monitor market, i.e. if market goes up strongly, I'd do nothong. If market crashes, I'd top up enough to keep my %s intact e.g. fund A from 20% of my portfolio dropped to 18%, I top up to make it become 20% again.

U cannot compare strictly to FD...FD is fixed...straight line...

But UT can be like...u loss money for 1 year...then nothing for 2nd year...then 3rd year fly up recouped all yr losses plus made profit

*cough* PGSF *cough* 

Also...Eastspring Investments Global Emerging Markets...u dunno how long I've been sitting in the red with this one...then suddenly shoot up, annualised returns of 8% p.a.

Oi...that's 35% of my equity allocation, 21% of my overall portfolio neh

Guys, Oct-13 fact sheets for HwangIM funds are out.

I think I can explain the recent underperformance of HwangIM funds already:
(1) From Sep-13 fact sheets we can see that both Asia Quantum and Asia Opportunity are cash-heavy; as at Oct-13 cash levels reduced significantly. Hence, HwangIM must have deployed the cash at the wrong timing.
(2) Thailand+Indonesia+Philippines exposures

Not to say no good.

Let's say u hold RM1,000 in hand. U keep it in cash, it will remain RM1,000.

If u deploy it at the right timing i.e. when market is "cheap" or bottoming, u win.
If u deploy it at the wrong timing...

Recently ASEAN markets esp Thailand has been hit hard.

HwangIM funds deployed the cash horde it was holding as at Sep-end during October...kaboom!

It's an equity fund. Hoarding too much cash for a long period is not good for the fund and generate reasonable return.

Generally, an equity fund has exposure of about 90% to 95% in equity market. Otherwise, the fund will behave like a balanced fund.

Me...3AM

GF merajuk

Dow green green...RHB-OSK Global Equity Yield