since both have same SC charges then no much different...just FSM got this added tools...one can log in to the a/c anytime to see how is the status of the fund. Does the bank has that? if invest thru Hwang directly...you can open an I-access a/c..almost similar to the FSM a/c. Which one easier to open and top up?

while waiting for more precise replies. try these info from FSM sites.
Methods Of Purchase
http://www.fundsupermart.com.my/main/resea...?articleNo=2966

PRS Forms
http://www.fundsupermart.com.my/main/prs/prsForms.tpl

Recommended Unit Trusts 2014/15 Special Pullout...July 14, 2014
For the first time this year, Fundsupermart.com is collaborating with Focus Malaysia for a special pullout. This pullout features commentaries by our research team on the Recommended Unit Trusts and also coverage on the Recommended Unit Trusts Awards 2014/15....Author : Fundsupermart Research Team
http://www.fundsupermart.com.my/main/artic...%20res%20e5.pdf

what is good/used by one may not be good/used by others in analyzing the funds.
if you want, try go to FSM website..click research/recommended funds.....then click on the recommended fund to see how and why FSM recommend the fund.

http://www.fundsupermart.com.my/main/resea...tormaincode=All
http://www.fundsupermart.com.my/main/resea...?articleNo=4793

there are other considerations too.....like....
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

Why that’s bad

You’ve probably heard of “buy low, sell high”. It makes complete sense, you buy when prices are low, sell when prices are high, pocket the difference, rinse and repeat and you end up with a mountain of cash. Of course, it’s easier said than done, especially when our emotions are hardwired to do the opposite.

When markets are on the rise, most people feel optimistic and they start buying more but also at higher prices. As optimism turns into excitement then into thrill and finally euphoria, they would have thrown all their cash in for financial instruments as though nothing could go wrong.

It does, and it goes really, really wrong. When markets start crashing, they get anxious but will still deny the fact, brushing it off as a minor dip before continuing upwards. Bad call, prices continue slipping and they start panicking, offloading everything they can before the storm. Unfortunately, it’s not that easy to sell everything off. They’ll be trapped with some holdings in hand which will continue shrinking. That’s when they give up and feel despondent.

… And the cycle continues.

The thing is, they have been buying high and selling low, effectively shrinking their wealth. You’d be surprised to know that many people fall to this trap.

http://www.fundsupermart.com.my/main/resea...?articleNo=4810

What we don’t like
1. Limited upside potential. At PE ratios of 15.5X and 14.5X based on 2015 and 2016 earnings respectively, valuations are fairly close to the fair PE estimate of 16X. Based on our fair PE estimate of 16X for the Malaysian market, potential upside is about 9% by end 2016, one of the lowest amongst markets we cover
2. Potential for earnings to be revised lower. Earnings growth expectations have been lowered recently, to -0.4%, 9.4% and 7.2% for 2014, 2015 and 2016 respectively. Fiscal pressures are forcing the government to reassess subsidies (fuel) as well as taxation measures for various industries; higher input costs and taxes likely to weigh on earnings
3. Potential for rate hikes by Bank Negara Malaysia. Price pressures likely to rise following hikes in the natural gas tariff for non-residential and non-power sectors from 1 May 2014 onwards. Possibility of Bank Negara Malaysia hiking rates in 2H 2014, given the above and a more than likely increase in the rate of inflation given the implementation of the goods and services tax (GST) on 1 April 2015.

http://www.fundsupermart.com.my/main/artic...df_Malaysia.pdf

try check these PRS funds from FSM.
http://www.fundsupermart.com.my/main/prs/g...tePRSTable.svdo?

Reduce exposure to Japan+US+ Europe?
upside potential expected not as good as EM or Asia X Jpn.

Asia: A Bull Run in the Making
n this article, we make the case for Asian equities which has been the best performing region year-to-date, based on our proprietary Fundsupermart Indices. Fundsupermart July 22, 2014
https://secure.fundsupermart.com/main/artic...the-Making-9592

yes, to know more about what it is...refer to post #1 FAQ#5

Ponzi = HSAQ (Hwang Select Asia Quantum)

Some of my capture funds Actual performance since Jan 2014 till 16 July 2014
HSAO was ONCE cursed....now awaken after kena ##@!

My PM funds was my performing funds last year when most of my hw was doing badly...this year my PM

This post has been edited by yklooi: Jul 24 2014, 05:45 PM


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just like to diversify....people say diversify is good for me....i diversified....then realized that, too diversified would become too diluted too. on the consolation side..maybe will just sleep better

3 Misconceptions Of FSM Recommended Funds List
FSM take the time to correct some popular misconceptions investors might have had with regards to the Recommended Funds List.

http://www.fundsupermart.com.my/main/resea...?articleNo=3983

The variance of OSK GEYF and AIWEF is 13% for the past 6 months
what had been down...continue to be down? or ???


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Sector review (july 2014)
Malaysia
http://www.fundsupermart.com.my/main/artic...df_Malaysia.pdf
Asia X Jpn
http://www.fundsupermart.com.my/main/artic...AsiaexJapan.pdf

read and compare (mostly like what David83 had mentioned)

This post has been edited by yklooi: Jul 24 2014, 11:03 PM

guess, I would still be "processing" because it needs to know the nav price

Yes you are right....
I do UT for my investment risk appetite not so much for making > $$ than others investment vehicle and if it did, that would be a bonus

opportunities or fear
just some noises?
Warning to investors in emerging markets

INVESTORS who are channelling funds into emerging markets at record highs should note that growth in these economies is expected to slow down.

The growth rate of emerging economies in Asia and elsewhere is set to slow to 5% on average over the next five years compared with 7% in the run-up to the 2008 global financial crisis, according to the Singapore Business Times (SBT), quoting a report by the International Monetary Fund (IMF).

http://www.thestar.com.my/Business/Busines...erging-markets/

This post has been edited by yklooi: Aug 4 2014, 11:19 AM

ya-lor,...just don't be too overly focused and made comparison on "past performances"..then it would be ok.

just remembered...few weeks ago, i managed to talk to a FM during a seminar.
she hinted this strategy...might worth think it out.

if the fund had made 10% (value is just an example, could be of any value you want)
...cash / transfer out the 10% (keep this 10% at a safer asset)
rational....if you did not take it out.... if the fund made another 10% this 10% of earlier gains will just made another 1% of the amount.
ex....1000 + 10% = 1000 + 100

another 10% = 1100 + 100 + 10

if you take out that 10% gained earlier.....
and if the fund grow another 10%, you will just lose out the 1%

BUT,...you will have 10% of the BULLETS to shoot turkey in a corrections.....else all you invested amount + the 10% gained MAY be in "RED" during the correction.

what you think? i am still thinking about that too....