You can buy 1 share in US market mah... but then your transaction fees will be high.

1 share now only cost you $190++

Not to mention the 'hidden' forex gain, that's not in the annualized gain.

This post has been edited by gark: Jan 14 2015, 05:09 PM

I've already sold and switched to other funds.

Index funds tracks the index, right? It's good when the index keeps going up like in the past few years. But in a downturn, it will go down just like the index too? I'm interested in index fund but not brave enough to buy yet.

Of course it will.. this is not magic investment..

Index funds are not designed to outperform the index, it is designed to match.

So what you get is plain vanilla returns..

No boastful joy that your performance beat the index..

No tearful cry when your fund under perform the index..

You don't need to talk about it, don't need switching, don't need compare, don't need monitoring.. basically no need do nothing.

cause you are getting the AVERAGE performance, however from time to time there will be a few funds beating it.. but many many others will under performs it

This post has been edited by gark: Jan 14 2015, 05:27 PM

Haha only Malaysia Funds can beat the MY Index

Thats why i never buy MY ETF..

I have 3 funds with cash investment and DDI every month.

PM PSSCF - invested 14months, ddi rm500 (Portfolio: -6.6%) [100% bolehland]
Manulife Progress fund - invested 6months, ddi rm250 (Portfolio: -16.1%) [100% bolehland]
Manulife CM flexi fund - invested 6months, ddi rm250 (Portfolio: -13.2%) [90% bolehland, 10% on US]

I also have another 2 PRS fund, which is AFFIN HWANG PRS GROWTH FUND
and CIMB-PRINCIPAL PRS PLUS ASIA PACIFIC EX JAPAN EQUITY, just invested last month.

I plan to stop doing DDI on both of the manulife fund, and invest on other fund. Do you guys got any opinion? and what fund you guys recommend based on my current investment?

This post has been edited by gsan: Jan 14 2015, 10:08 PM

WTA.

My daddy wanna invest in PRS, I see FSM has 0% SC..
What about if i go directly to banks?
Does they have SC??

looking at the PRS website...
it looks like some banks do charge SC....need to call up the bank to ask....
http://www.sc.com.my/prive-retirement-scheme-fee-comparison/

I dint see this before when i googled.. THX!

Anyone invested in PRS using FSM?

or via banks?

Can share? See the difference..

The major difference is just the SC.

Nothing else.

The reason I invested PRS via FSM is easier to monitor everything under one interface platform.

This post has been edited by David83: Jan 14 2015, 10:51 PM

one obvious one only gua:
the SERVICE-ing agent

one is DIY (hand-job on computer)
VS
the other is call-in and she/he does it for U

rm 8.00 service charge

That is PPA annual charge right?

1st time or 1st time is not chargable.

Preliminary quick look is that you are too concentrated in M'sia...unless the % allocated to Asia pac x jpn is substantial
seems like you lacked US, Europe, Japan, unknown to your % allocated for each funds and % of countries covered by the fund, risk appetite, age, commitment level and etc..... best is you try to read this first....

Maximise Returns while Minimising Risk with a Core and Supplementary Portfolio
http://www.fundsupermart.com.my/main/resea...pl?articleNo=59

Why Diversify?
Most financial advisers will encourage investors to diversify their investment portfolios. Does diversification really work?
http://www.fundsupermart.com.my/main/resea...l?articleNo=570

Basic Steps To Construct An Investment Portfolio
http://www.fundsupermart.com.my/main/resea...?articleNo=1753

Investors usually focus on a fund’s performance when deciding on which unit trust to buy. But its risk level is equally as important especially when markets are uncertain and volatile. In this article, we describe the Sharpe Ratio and the Risk-Return Ratio, two measures for an investor to gauge a fund’s risk.
http://www.fundsupermart.com.my/main/resea...l?articleNo=110

There is no Right or wrong.....it is all up to individual preference..

later Pretty Girl come sell you to buy their other UT..
Macam mana you reject?

My theory...

I think fsm and iuta don't really push PRS coz the client need to open acc directly with PRS provider. This mean the distributor will lose client to PRS provider.

There is no nominee structure afforded for PRS scheme, unlike unit trust.

Also, the sales charges is very competitive with affin hwang's selling their PRS with 0% sales charge.

Depending on the prs provider you choose, certain prs products have no sales charge if you go through PRS Consultant or Institutional PRS Advisors. Manulife is one of them if i was right.. Performance wise, Affin better currently. Unless you have employee PRS programme then CIMB or AMPRS have no sales charge.

This post has been edited by eternity4life: Jan 15 2015, 10:57 AM

Speaking of Malaysian funds, the first thing which comes to my mind is iCapital. But I don't trust TTB...