i read that once..

but this "since we are in UT (more diversified in sectors) and not so much of local targeted stock picking....I guess the local FMs with all their "xpertise" "SHOULD" know where to move "MY" monies..." should answer my question.

thank you

just a note of caution...NOT all local FM are the SAME....
goto FSM website....funds info/fund selector/select Equity under Main Categories/under Geographical Sector...select Malaysia....

look at the annualized returns of over 5 and 10yrs.....you will see what I mean.
(yes, past performance may not be an indicative of possible future performance)

Unless you are super unlucky you will probably end up beating the FD rates.

yes,..that is correct....
I know that there is tis1 guy that had been so "Super Super unlucky"
ROI from May 2013 to Dec 2013 is -0.1%
ROI from Jan 2014 to Dec 2014 is + 2.3%
Definitely MUCH less than FD rate
super unlucky you will probably end up beating the FD rates
super super unlucky you will probably end up beating LESS than the FD rates
that guy is me....

That is not even one year.. let's see after the next ten years this year we might have a flat or declining world market, but over the next 10 years, should be beating FD rates. If you wait long enough you pretty much always will.

This post has been edited by wodenus: Mar 1 2015, 01:48 PM

thanks for the optimistic encouragement...
had been 1 1/2 yrs laio
can't wait for next 10 yrs liao...

in the meantime...I liked the first 20 seconds of this video....
my luck is changing....
https://www.youtube.com/watch?v=aU0kJYDd464


This post has been edited by yklooi: Mar 1 2015, 01:55 PM

If you invest have to do long term DCA.. ten years is not a long time, it gets shorter as you grow older, only seems a long time when you are young. But when you are 20.. it seems a long time. And then suddenly you are celebrating your 30th birthday.. and then 40 and then 50.. and then retired already. Life is short

Oh wait.. gambling? you think you are not gambling if you put your money in the bank? you are so sure the country will not collapse? you are so sure the world will not collapse? you're sure there won't be a WW3 and everyone will go back to living in caves?

If you can't be sure of that, you are also gambling...right?

Truth is.. we are all gambling, might as well increase the stakes so we get a better payoff when we retire


This post has been edited by wodenus: Mar 1 2015, 02:06 PM

another 10 yrs will have to leave them to the beneficiaries...

good point.
jus googled and found this
What is the Difference Between Gambling and Investing?
http://www.investorguide.com/article/12525...-and-investing/
Investing Vs. Gambling: Where Is Your Money Safer?
http://www.investopedia.com/financial-edge...oney-safer.aspx
Are You Investing Or Gambling?
http://www.investopedia.com/articles/basic...or-gambling.asp

So pessimistic meh.. You still young la.

always prepare with an END point in mind....the REST is "Bonus"

eh..wait.. what??? unker looi still young? 23? 24?

what ever YOU want me to be....

LOL are you that old.. besides you are going to do that anyway right?

I was pessimistic when I was young.. big mistake

People leave the world at 60 also consider young. Well.. Each person will need to go one day. It is fate and destiny.

Crystal ball answer Crystal ball 1 or Crystal ball 2

None crystal ball answer:
Local equities will have more downside risk compared to upside. GST will be a short-term drag on bottom line of most businesses and the volatile oil price will be increase the down-side risk.

My answer:

As of Jan-2015 data that I have, the risk-adjusted return of M'sia centric UT has under-perform regional index.

Xuzen

Morning peeps..

looking forward to topup KGF today.

Hi.. New here.

Previously my investments was all in PM. But, because of the high SC, decided to sell all my funds in PM with a small profit and will be making a move to FSM.

Now awaiting for the money to be credited to my PB account and activation of my FSM account too.

Welcome. Remember your 1% sales charge for the next 30 days from the day you activate your FSM. although there's always promo on and off as well.

PS: i forgot if it's 30 days from the day i sent in the form, or the day it was activated. oh well, they are really fast btw.

This post has been edited by adele123: Mar 2 2015, 09:13 AM

Many of us here, certainly me, started my investing journey in UT through PM. That is the grand daddy of UT. But with the coming of FSM, and more of us are getting better educated abt UT, it will seem the days of paying high SC for buying UT is coming to an end....

Xuzen