Not wanting to contribute to the already-technical topics in this thread, but I can't help but to wonder. CMF reported daily interest rate of ~3.8%.

For FD. If you put 1 month, it's 3% (assume 3%. easier to calculate).
So every month your interest is 3% * RM5,000 (assumed capital) * 1/12 = RM12.50. Easy because 3% is annual % so just monthly apportion it.

So how to calculate CMF? 3.8% * RM5,000 * 1/365 for every day. Multiple 30 to get monthly. You get RM15.xx. Additional RM3 bucks only wor.

Yeah . points noted.

Buy back no need pay SC[SIZE=14] , just try lo.i miss it i let go, it drops i catch back.

Mainly becos, in the last hiccup, seeing a gain from +20k ended up become a loss is really....
The ups and downs can be so big..
My gain in RM doubled from 15.1.14 to 27.1.15, tripled from 14.12.14, so hand itchy liao.

Ah I see, thought need to fund the account when opening haha😅 btw what's the average age are you guys sifu here? If don't mind😁

I am a beginner here, hope to get advice from gurus here. What is the benefit by buying through fundsupermart account compared to buying directly through let's say UOB OSK?

Lower SCharges?

I know equity is the higher risk one to go for, so any tips for a beginner here. Hope not too late to learn since the economy outlook for Malaysia seems bleak.
There is always Out of malaysia funds in FSM

And what are the average returns we can make? Do I need to know a lot to get like 10% annually?

http://www.marketwatch.com/story/too-late-...rket-2015-01-28

 

I am so bearish, I am growing fur!

Pros and cons.

What if I can retire at 40 years old? PRS...cannot take out. Legally not at retirement age

What if I need big chunk of money to start a business? PRS...cannot take out. Stuck.

Not taking PRS Youth incentive and Tax reliefs into play....
RM1000 @ 1% sc = RM 10
RM1000 @ RM 8 PPA annual fees

lock in period....
flexibility to change funds...

for some reason tak nampak in fsm, only saw greater china fund 

a quick question, is money invested via FSM somehow guarded by PIDM in case FSM collapse?

planning to put 20k into CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND and it got me a lil worried if FSM might collapse in the future

lol

shucks.. the fear   

hmmm.....
any recommended funds to ur insight?
let me check it out   

im kinda new to FSM
is there anyway to track the funds i bought compared to the current pricing & pricing i bought?
damn it's troublesome to click "view holdings by fund name" and then manually select the fund to check out the current price?
very non user friendly =.=

Adding one more to the list that I think is quite interesting as well
- Eastspring Investments Small-Cap Fund

For small caps, if you want to reduce the risk by not too concentrating on Bolehland, you can consider Affin Hwang Select Asia (Ex Japan) Quantum Fund.

hehe - personally i look at bears like doing UPper cut (happy buying time for me)
vs
bulls goring people DOWN (nervous time for me)
i wired-wrongly gua

just a thought 

u mean sales charge discount? i topped up at 1% SC wor..