er.. the returns MAY be lower, equals or higher than FD.
Where does it say lower than FD or savings a/c ar? or based on yr own timing & returns?
Note - yr reality may not be the reality of others that has $ in CMF before or after yr date in leh.

U also getting sian with all these "feed me" spooners?
U too young to be jaded leh hehe.

What to do, too stressed with work.

Needs Direct Access™

Gather the usual suspects this weekend and let's go "direct investing"
Time of entry should be 2pm for better options & choices of base-stocks

I usually go after ...US markets trading session

The 1st two are the oldest.

The rest are pretty young.

Feed me, feed me.... Buuuuuuuuuurp!

My end of May 2014 funds performance

EPF PM Fund:-
Overall - IRR 9.07%, ROI 59.3%
Best performance equity fund: PISSF - IRR 15.48%, ROI 31%
Worst performance equity fund: PITTIKAL - IRR 10.13%, ROI 33%

My Cash FSM Fund:-
Overall - IRR 7.29%, ROI 3.8%
Best performance equity fund: KGF - IRR 24.47%, ROI 17.4%
Worst performance equity fund: KAF GEF - IRR -3.77%, ROI -1.3%

Wife Cash FSM Fund:-
Overall - IRR 8.3%, ROI 5.3%
Best performance equity fund: Eastspring Small Cap - IRR 45.87%, ROI 20%
Worst performance equity fund: Eastspring Global Leaders - IRR -7.29%, ROI -2.1%

How old is old?

Been with FSM for 1 year now. My ROI is 2.67% (IRR 2.95%)
Equities 75% Bond 25%.

About 65% of it was invested in late May and early June 2013 when the market was high.

So everyone who had KGF units last year.. how long did it take for the dividends to be paid?

If 1 year ROI is less than 3%, is it considered worse than fixed deposit return?

YES to your question
BUT it depends.... on what you are looking for in the 1st place.
just wanna be looking at FD rate of returns for your money?

Not all unit trust are created equal. My wife's port is doing 13% ++ and she invested at the same time as you, I.e. Early June 13.

Xuzen

Maybank Asset Management On Board - not bad

http://www.fundsupermart.com.my/main/resea...?articleNo=4606

3% in a year isn't very good for UT - I'm at about about 7.5% on FSM for the last year, but considering all this as my retirement investment when I hit 55, FSM is one of 4 portfolios.

if you're in it for the long term, not much of a concern if a slow year, need to rebalance maybe

wanted to top up more on this Eastspring MY Focus fund but found that it's having such a high Annual Expense Ratio of 2.28% , anyone know's why and is it a concern.

"is it a concern", you asked?
Over the last three years, S&P calculates almost four in five domestic stock fund managers failed to beat broader indexes. Outdoing the market’s never been easy, especially after trading costs and fees.

The Nasty, Brutish Life of the Modern Mutual Fund Manager.... By Ben Steverman Jun 4, 2014
http://www.bloomberg.com/news/2014-06-03/t...nd-manager.html


well, if it can constantly giving me 7~11% pa returns...who cares about the fees.

This post has been edited by yklooi: Jun 4 2014, 09:59 PM

Feel wanna dump AmDynamic Bond and switch to RHB-OSK Income Fund 2.

Dump it! Dump it! Dump it!

Done mine last 2 months ago already And park all to CMF2