Yea need to slowly learn. So far seeing profit on some liao.

I let the banker help me switch and buy...

I no kacau her as long as can get return 10%pa as she told me

what ur banker told u 1 year can earn?

you are giving alot of additional sc to the bank..

Nope, i put a lot of money into the bank, the RM reduce for me sc. Been long time customer of the bank

Cant tell you more details, as is P&C, but i dont feel confident use FSM at that time.

10% ?? I just told her to monitor and inform me what i need to buy when is good price, then i pump in and also get additional safety net in term of higher FD rates (higher than board rate)

I haven't update mine in awhile. Got some new funds- SC quite high. ROI also shitty. Wait 2 months old only update

For some [whom I know], the additional SC is a reasonable tradeoff (provided the returns are good; good being relative) and for others doing things the DIY manner gets them involved in the process

Next up for me: syariah-compliant funds... of which my newbie mind thinks the differences to conventional ones lie only in the expenses and well... religious obligations of halal/haram

This post has been edited by wonglokat: Sep 14 2014, 12:13 PM

Hmm my portfolio these 2 months seem to be not doing well

which fund not doing well past 2 months?

Generally my portfolio. It actually dropped almost 1% in 2 months time. Couldnt point out which one is the culprit but the multi manager, all the global funds seem to contribute to it


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An uninvited comment/opinion from me...

...dump the 2 RHB-OSK funds!

This post has been edited by Pink Spider: Sep 15 2014, 09:55 AM

One of those RHB-OSK fund is only a feeder fund, majority of the asset feeds into the Russell funds.

Russell funds no good?

Compare its performance vs global funds like CIMB Global Titans

fyi,....my CIMB GTF from 16 Jan till 29 Aug...still -2.15%
should have bought at a BETTER time i guess.

Itu...baru 7 bulan

Pls evaluate based on longer timeframe i.e. 3 years and above

That issue on timing: time to get into the fund.

My CIMB GTF is barely break even now.

Another red day for Hang Seng. Topped up CIMB Asia Pacific.

Sorry...off topic...
about SIP/RSP....

how u tailos doing....say i have 10k...looking for 10 years investment...


invest RM100 monthly/yearly 1.2k/10 years become 10k...roughly la...but u losing to inflation till u use up all funds

or...some say, average out for 3 years only ...that is 300 every mth...within 3 years, 10k used up....

i believe lump sump not good idea...maybe only for bonds perhaps?

if this is already discussed somewhere, please point to right link and i will rtfm...just starting

advanced thank you

This post has been edited by rupart: Sep 15 2014, 11:37 AM

I personally would spread over 1-2 years

u not working? If u got extra cash every month, CAN lump sum the 10K in maybe 3 months, then every month top up

ah ok...thx for the points...so
put the 10k in cash mgmt fund (cmf)
trsf every 3 months about 850 to selected fund
after 2 years, transfer some money again to cmf
put 100 monthly

looks like now cmf is at highest NAV....no harm putting it in anytime? assuming will keep gn up