QUOTE(T231H @ Mar 16 2015, 08:27 PM)
"We are not investing RM100K in one fund house, e.g. KGF, but diversifying it into different global funds, asia funds, Malaysian funds, REITs and bond funds. So the risk is minimized".
to diversify into different global funds, asia funds, Malaysian funds, REITs and bond funds.....cannot have 1 fund house that have all these funds that suit each individual and also even if the fund house has all these funds,...their performance may not be on par with others....(some are good at Big cap, some are good at Small Cap) .....example...if RHB has a GOOD asean fund...but you won't buy it BECAUSE RHB bond fund has redemption fees if sell < 12 months....so you let go of this RHB Asean fund to go into another 2nd choice fund because of RM 160?
(OOPS RM 40 only because IF have to get into 4 FHs)
why tie down to only I FH...is if I have RM 100 000 to invest in UT,..why have to let this RM 160 to limits oneself from getting into more FHs to get more choices of funds, more diversification of portfolio, more risk diversion...
Yes, I agree that we should invest in different fund houses because one single fund house cannot possibly have the best performing unit trusts for all different categories.
But my personal view is wherever possible, I will buy unit trusts from a FH which does not impose any switching fee or redemption fee and have an equivalent bond fund to switch into. Of course sometimes we may not have a choice. For example, the Aberdeen Islamic World Equity Fund does not have an equivalent Aberdeen Bond Fund but we may still buy it for diversification purpose.
At the end of the day, if you think a unit trust from a FH has the BEST performance as compared to its peers, you may still buy it although that particular FH imposes switching fees and redemption fees.
This post has been edited by Vanguard 2015: Mar 17 2015, 10:20 AM 
Mar 17 2015, 09:16 AM
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Happy investing..... 
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