Don't worry la...everything has history and audit trail nowadays

Before FSM confirm receipt of the transfer/money, can void.

Select purchase(s) > Confirm > Pay by FPX/Interbank GIRO >>> FSM confirm receipt

During ">>>", u CAN void. How u know he did that? He told u? Why so hand itchy?  

call them this morning to settle my problem and i have only 1. thing to say:

the fsm customer center has the best customer service i had seen throughout my life..damn fast they settle my problem, by just making a new purchase and use that money for that new purchase..problem solved in 5 mins,

thumbs up to them

Dude - not just yr opinion - statistical fact given long term data testing by some white paper folks
er.. i'd have to dig it out if U guys want to read it - shared way earlier in PM or FSM or Mutual Fund thread (can't recall which - getting older & senile-er) 

Value Averaging I think!

Boss thanks for info..I read this but still not so sure on how the value averaging works..I know how dca works.

Care to simplify on how dva works?

Dude - i have a tingling feeling U will be very rich by 35-40 (you're still college/teens now right?),
even by just being an employee but managing yr assets well.

Resourceful AND specifically, correct idea U found.
Even the book is the "bible" for VA - the only book i found which incorporates "expected returns through time" (ie. expectedCAGR) into a VA methodology.

When done into a spreadsheet - U can use it for 1 fund/ETF OR entire portfolio.

Generation Y and/or Z has FAMA foundation.

Generally, they tend to enjoy what they earn.

Very true...i can see this happen alot in my uni..parents give 1.5k , by end of month tinggal less than 50 only

ahem ahem - build first, THEN spend within 3%pa
NOT spend first, then build yar 

real sifu = author of the book
go buy

see-food (eat food) only converted it to Excel heheh.
Wait - snapshot for sharing later in this post.

<space for snapshot here>

If i share the Excel - i worry most folks wont know how to use unless i write a "mini manual".
i too dang lazy.

Takpe bro...we save, then by 30 we help them and we also enjoy haha
Suffer now, enjoy later

So fueled up since first time investing in something different than public mutual, until every hour refresh email for purchase receipt..

Until now still dont have never process yet haha

These abbreviations, u got a link for this abbreviations like vai, cagr etc etc...? I ask this to fsm, until now no reply haha

Very well then

What is RSP, VAI,

And also CAGR in wongmunkeong 's reply?

Value Cost Averaging or Value Averaging:
Screenshot & Excel samples
https://forum.lowyat.net/index.php?act=ST&f...=3334901&st=89#

FSM Fund Choice for September 2014!

http://www.fundsupermart.com.my/main/resea...?articleNo=4954

Aberdeen Islamic World Equity

pm me the book pls. i kinda have time now

Okay now assume two fund managers, one which is good, and one which is not so good. Fund manager A loses money in a bull run, fund manager B makes money. So it would follow that fund A's value drops in a bull run, and fund B's value goes up.

So now following VCA, you will be throwing more money at fund A and less money at fund B. If everyone does that, the funds which perform the worst, will have the most funding. Does that make sense to you?

Now assume that there's a market downturn, and fund A loses even more money, while fund B, because of superior stock-picking skills, manage to make even more money. The result of this is.. fund B is again punished for being really good, while loser fund B gets even more money. Again, this makes no sense.

The reason va works for individual stocks is that stocks can be overvalued. There's only one counter, and if it becomes overvalued, it becomes overvalued. It is not a fund. A fund has a cash component, unless it is a passive index fund, it needs more money to chase more prospects.

Suppose I told you this, that I want to make 10k profit only this month. So if you are my sales person, the more money you make for me, the less I am going to pay you. The day you make 10k, I am going to totally stop paying you. And somehow you think this is a good idea.

Minimum Subsequent Investment RM 500 
Minimum RSP Investment  RM 100

So unfair...force ppl to do RSP only