Aiyyoooo both still the platform only... end state reached at fund houses... Just interesting with discount offered... Hahahaha

Here is my funds' performance as end of April (up to 29/4/14 only)

FSM1 (self)
Overall IRR - 8.06%
Best fund - Kenanga Growth Fund - IRR 25.65%, ROI 13.71%
Worst fund - KAF Global Equities - IRR -2.21%, ROI -0.61%

FSM2 (Wife)
Overall IRR - 7.04%
Best fund - Eastspring Small Cap - IRR 54.21%, ROI 15.79%
Work fund - Eastspring Global Leaders MY (inv since Nov'13) - IRR -16.4%, ROI -3.95%

PM
Overall IRR - 9.13%
Best equity fund - Public Islamic Sector Select - IRR 16.04%, ROI 28.95%
Worst equity fund - Public Ittikal - IRR 10.07%, ROI 24.19%

That is.. but if you start working at 20.. and retire at 60. Wow. My father is 60+.. he has Parkinson's. Sure you will be a millionaire but wow.

Dude - U gotta hand it to them marketing BS lor.
<insert curses and hexes for evil marketing BS people here>

Can con ppl about laying more eggs during distribution BUT didnt tell whole-truth - them eggs all smaller eggs and if one weighs them, dagnabit - total weight same! 

Sta-Dev of benchmark usually not easy to find, however, Pub-Mut, despite my criticism, has a very good internal data that, unfortunately less than 1% of UTC knows or will ever use it.

I get the Benchmark Sta-Dev from their internal data which they update quarterly to calculate Modigliani. It is only given to UTC and I bet if you ask any regular Pub-Mut UTC, they will give you a blank look. Even finding someone who knows what is a Sharpe is difficult. The data supplied by Pub-Mut is 3 years annualised. That is what you get when Pub-Mut decided to do UT biz like MLM style.

At first I wanted to write how I do the pay-out for my client, but I decided not too... called it trade secret, something for me to keep on cari-makan.

Actually it goes along the line of Pink Spider's line of thinking with some minor tweeks here and there.

J.passing.by, it is not so complicated.

Xuzen

But then again... 450K in an FD in MBSB or BR... is also perpetual, depending on expenditure.

Rm450,000 x 4.5% = Rm1,687 a month. Not too hard to survive either considering, but of course UT is usually more than that, and we always want more profit out of it

yes,...wanted to show you an ROI estimation worksheet, to play around.
ex....if you got lump sum of RM 5000,...split 2k to FD & 3K to EQ fund that can gives at least 7% ROI
(historical performance charts, aim for funds that can gives min 7%, (if can give you > the better) for the past 5 yrs). I know past performance may not repeat it self---but at least it is a safer choice
with that split into 40FI:60EQ ratio, you can still get > 5% ROI..instead of focusing on 1 or 2 good performing funds (which may now be overvalued)
play around the different asset class and its $$ allocated

yes, thank you "wongmunkeong"...now can attach.