6 months-ish to 1 year max?
And 3 months for aggressive funds as I've done that before and left with good returns.

I know UT is not meant for short term...but...if it works for certain projected funds that are worth taking risk in, then I don't see why not too

if u no money to invest more than rm500.
u can use normal maybank2u no charges

http://i.imgur.com/4ZbjRph.jpg

lol, my failed maths.

(double post deleted)

This post has been edited by wodenus: Jun 26 2014, 11:14 PM

Maybank is not going to charge you? plus it's troublesome to screenshot and email.

Actually now that you think about it, if you have a large amount of money (over Rm100K) the commission starts getting ridiculous, but the returns are still pretty good considering.

eUnittrust promotion is tempting, not sure if I want another broker account though.

Indonesian fund hasn't been doing so well - JCI has done well, but the IDR has dropped off a fair bit.

This mth I have an aggressive appetite, RM10K into US equities linked feeder fund and RM 7,500 into m'sia small cap fund.

Xuzen

Sometime you have to look at the market condition during SC discount offer. Many times I found that just because of chasing the 0% or 1% offer, I have bought at higher price than if I wait for the dip to top up or accumulate more. Need to make sure that we're not penny wise and pound foolish. Yes, 0% is tempting, but is the timing fit into your investment system/methodology?

+100

I made handsome profit buying in at SC of 5.5-6% during 2008-2010 slump when I don't know about FSM and buying thru bank

Obviously not true lol. KGF has been beating the klci for ages

Could have made a better profit buying blue chips lol

No capital then

No point beating KLCI when KLCI is on downtrend...e.g. buy index and lose 20%, invest in KGF and lose 18%, proud?

Market timing is still relevant somehow.

This post has been edited by Pink Spider: Jun 27 2014, 02:08 PM

Some of them were like rm5 per share .. that's 500 rm, less than the 1k you'd have to use for a mutual fund. Why no point? If there was an emergency and you needed to redeem some, you'd lose less.

Probably not really 4% either... some marketing sleight-of-hand. Real rate is probably 3.x%

nobody asks you to go all in during 0% offer. I never encouraged blind investment. I am just pointing out that there is no point paying additional SC where you can buy somewhere cheaper.

maybank transfer to maybank got charge?

u using maybank before?

I don't use maybank cos they are freaking unreliable lol

No charge .. I use the FPX usually, no problems thus far

Again need to assess whether it make sense to split your portfolio into multiple locations just because of 0% SC special offers