i think POSB bank can
http://www.posb.com.sg/personal/deposit/sa...equirement.page
just becareful of this S$2...i think it is monthly
Fees

S$2 fall-below fee if the average daily balance falls below S$5,000.
S$20 early account closure fee if the account is closed within 6 months.

if you have S$500 in this a/c.....12 years all gone i think.

alternatively, you bank into pink's a/c your monies (lots of it the better). he will "SURE" make the transfer to S'pore for you or back.

Pink,
last week you posted an IRR Calculator.....would you like to post/pin it in Post#1 ? just asking.

thanks, i may not be able to use it now, but i think it would be useful for others (newbie)....when they asked.

Investing should be more like watching paint dry or watching grass grow.
If you want excitement, take $800 and go to Las Vegas (or Genting).....Paul Samuelson

or follow pink after work....
i cannot lah...have BHP and cholesterol pills to take.

jus be careful...now all seems already up for the past few weeks

for those that missed the seminar last weekend about the implication of the budget 2014.....
here is the readout.....
Budget 2014: Implications For Investors
http://www.fundsupermart.com.my/main/resea...?articleNo=4016

I think they have this platform fees.....
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8467

in the games of chess, we can only guess the possible next moves of the opponent...unless it is when "checkmate".

read my signature?

just read this.

How many investments have yet to recover from 2008?

Most – if not all – major markets are well beyond their pre-crash peaks, at least in absolute terms. Most investment strategies too, have bounced back.
Five years on, the idea that anyone should have failed to recover from the collapse of Lehman, and its attendant crises, is almost absurd, even given the volatile and difficult conditions in the years since.

Spare a thought, then, for the fund of hedge fund managers of this world. And spare some tears for their clients.
their performance, on average, has been dismal.

A $100 investment in the average fund of funds manager made at the beginning of 2008 (were it possible to make such a small bet) would currently be worth just $96, according to HFR, the hedge fund industry data provider.

For reference, the same amount invested in either global bonds, equities or – heaven forfend – private equity (according to S&P) would currently be in the black.

But if funds of funds have failed by institutions and the super-wealthy in the past half decade – still down 4 per cent as they are from 2008 – there is little reason to imagine that they will do well by retail investors in the next.

http://www.ft.com/intl/cms/s/0/c0046a56-40...5#axzz2jDVDPy5L

This post has been edited by yklooi: Oct 30 2013, 10:56 PM

just you cannot buy from FSM, as forummer ben3003 has just pointed out.
maybe you can go direct to HwangIM, or https://www.eunittrust.com.my/, or banks to see if you can buy from there.

maybe that is why Hwang is hoarding cash?

Window Of Opportunity For Fixed Income Investors _-- November 1, 2013
This week, we take a look at a few courses of action investors could take in light of the current window of opportunity.
http://www.fundsupermart.com.hk/hk/main/re...&articleNo=7336

Balanced funds holders also...
M'sia focused FI no need ?

This post has been edited by yklooi: Nov 1 2013, 07:59 PM

then which is "BETTER" for an investor that would just want to hold for period of less than 10 years for a particular fund?
reason for < 10 yrs may includes; maybe needed to cash out, switch to other asset class, moves to other more "performing" bond fund which is not from the same fund house, etc

This post has been edited by yklooi: Nov 4 2013, 10:53 AM

done,..now just hv to wait for reply

that does just justify between holding just term bonds and long terms bonds for risk/asset class holdings, BUT does not have the answer to my post asking is FSM bond funds more expensive when holds < 10 years when compared to the providers you used to compared FSM with for a period of 20 years?
you mentioned "No matter how many years your time horizon is, any fees or charges on your investment is not good, so go for the lower one."
i would go for the one that can provide me a better expected ROI at a risk appetite that are comparable....no use of saving 1 ~ 2% mgmt fees when the ROI is not performing when compared to the mkt benchmarks or peers.

ah...saw that.

that just made a good comparision of "saving" between funds with different in annual Mgmt fees" but does not means correct to generalize
what is posted as "FSM is more expensive!"...by you at page 6 post 119
i believes FSM do have some bonds funds with better (or less) Annual Mgmt fees. than 0.75% (ex AmIncome, KAF, RHB Is inc)
Public Mutual Enchanced bond fund is also 1%?

This post has been edited by yklooi: Nov 4 2013, 12:39 PM

so, NEVER selects funds solely based on mgmt fees alone.

so is posting of "No matter how many years your time horizon is, any fees or charges on your investment is not good, so go for the lower one" is WRONG to be the sole basis of selections..


This post has been edited by yklooi: Nov 4 2013, 12:31 PM