Yes. CMF is one of the bestest thing ever. I basically dump all my excess cash in that fund.

Of course I maintain A BIT cash in my bank accounts lar...

If REALLY BIG emergency, what to do, cash advance from credit card lor...cards are there for a purpose. But so far (touch wood) I've never done this lar.

I meant, I've not yet withdrawn money from credit cards...NOT CMF!

CMF withdrawal will be credited into your bank account and cleared for use in T+2 (roughly 2 working days time)

oi, mabuk ka?!

This post has been edited by Pink Spider: Aug 27 2014, 11:28 AM

1. FSM recommendations
2. Lipper ratings
3. Trial and error

Which 5?

What era already? Still SEND cheque? Interbank GIRO by Internet lar!

I invest in local stocks myself, so my UT portfolio is mainly to achieve diversification

A suggestion:
Hwang Select Opportunity / Eastspring Equity Income / Kenanga Growth
Hwang Asia Quantum / Eastspring Small Cap / RHB-OSK Emerging Opportunity
CIMB-Principal Asia Pacific Dynamic Income / AmAsia Pac Equity Income
RHB-OSK Global Allocation

On the % to put for each fund, u sendiri juggle and trial & error lar

This post has been edited by Pink Spider: Aug 27 2014, 05:02 PM

Why u ?

1.43% SC discount...worth or not? Market up/down easily 1%+/- nowadays

So...optimistic...so...bullish

Best time to buy HwangIM funds though...

In a hindsight, I'd be better off had I not totally bailed out i.e. sold all my funds and parked in cash during 2010/11 crash, when my portfolio tanked about -20%.

In my opinion, when we buy UT funds, we buy the SERVICE of the fund manager. If u think that the fund manager is decent and there is long-term potential in the market(s) that the fund invests in, stay put.

That's why I said, now is best time to buy HwangIM fund.

HwangIM got free switching...so u can just simply taruh all $$$ on one, later can switch around

If today Bolehland index weak, I might buy in Hwang Select Opportunity

This post has been edited by Pink Spider: Aug 28 2014, 10:53 AM

I already hv Select Opportunity and Asia Quantum...so I can just top up

Yeah 1K min for new investment

Asia markets solid but Bolehland weak...top up Bolehland funds?

To quote Boon3...

Rubbish company's stock can go up if got oil, wok and cook
Good company's stock will be stagnant if got no oil, wok and cook
Same thing for regional stocks?



This post has been edited by Pink Spider: Aug 28 2014, 01:05 PM

See here:
"RSP Special" List

Not all funds are available for "RSP Special" whereby u can start an RSP plan without an initial investment of RM500 or RM1K.

This post has been edited by Pink Spider: Aug 28 2014, 01:43 PM