Hwang Select Bond is not EPF-approved, hence not restricted to 30% foreign. And it's got sales charge. RHB-OSK Income Fund 2 is 0% SC.

yup, high risk high return

by the way i also got these 2 PRS, forget share.

Hwang PRS Moderate Fund = 3.20%
Hwang AIIMAN PRS Shariah Growth Fund = 5.78%

the Hwang Moderate gets higher return than CIMB Growth

Relatively conservative fixed income fund could give a return merely similar or slightly higher than FD; in the range of 3.5 to 4.5%

Moderately aggressive fixed income fund could give a better higher return at the range of 5 to 6%; they will with short to medium term papers with lower credit rating (below triple As).

Balanced fixed income fund will invest a portion of it into equity market; usually up to 30 to 50% of total NAV

Aggressive fixed income fund could give a much higher return up to 8%. They will mix with several instruments in order to meet such high return.

Disclaimer: Above comments are generalization and not specifically refer to any fund in particular

It's well-known and prestigious fund house in the world.

Yeah, 37% up here, my best performer in FSM portfolio

2nd = Eastspring Indonesia +23%

Thanks for the info David! One more noobie question, how does the UT returns work? Is it sort like every month, there's an evaluation, if there's positive returns, the money are credited to your bank account? What if there's a negative return? Means my UT value drops?

The simplest way is to use ROI.

ROI = [Current valuation (Current NAV * Units on hand) - Capital Invested (Average Unit Cost * Units on hand] / Capital Invested

At the beginning, ROI is usually negative because of upfront sales charge imposed.

There's no guideline for portfolio analysis. It's totally up to you. Don't too frequent such as daily or weekly will exhaust you. You can opt for calendar quarter or monthly.

Anything fall beyond ROI (at the service charge threshold) indicates that the fund NAV is dropping due to some reason.

Err...UT is not like bank fixed deposits.

U need to do more homework on WHAT IS UNIT TRUST.

I think Post #1 have some links that can help u.

Here:
http://www.fimm.com.my/investor/abc-of-unit-trusts/

This post has been edited by Pink Spider: Apr 25 2014, 09:12 AM

Wow.. how come Hwang AIIMAN Select Income NAV jump from 0.5491 to 0.5741

What is wholesale fund and how does it differ from the current ones offered on FSM?

Wholesale = u buy in bulk
Retail = u buy in small quantities

Get the point?

I see the wholesale fund that FSM offering needs initial investment of 10k. Subsequent investment of 1K

er.. RM10K & RM1K? no biggie what - why lar need to be of certain level of income or investable assets?
er.. i'm AssUMe-ing this relates to Franklin Templeton funds

This post has been edited by wongmunkeong: Apr 25 2014, 09:51 PM

got your emergency fund readied?
got surplus funds that your are NOT expected to touch for 3~5 years?
know your expected returns to expect?
know your risk appetite?

still want to go to mutual funds as your investment vehicle?
just a note: there are some other investment vehicles that are more efficient...

if still want mutual funds....try FSM or Eunittrust websites..they have recommended portfolios.....

study them....if you liked them...then go for it.

Yes if using EPF, not much of a big deal. If using cash is tight.

Yeah, thing the name is Franklin one of the main reason

Yeah so are you still topping up on them ?

So the question is...

How good is TF funds?

still researching about it...

Lehman Bros was pretty well known

That one was playing with fire.

Still topping up Kenanga Growth

Indonesia I haven't, as bought Indonesia US ETF (Annual charge 0.61% vs Eastspring 1.8%)