HLBANK, MAYBANK, DIGI, TENAGA. all red    dayummm, wan average down also not enough cash hahahah..

Because of its impressive return in short term (historical).

I think Post #1 should add about how FSM model works: the nominee account thing

And also how safe is FSM?

+1, and why no mentioned about FSM 0.05% platform fee

To keep discussions at this thread fruitful and constructive, it would be greatly appreciated that fellow investors try to look for answer to their queries at Frequently Asked Questions before posting here.

There are 3 different limit settings there.

1. 3rd party fund transfer. ( Maybank a/c to another 3rd party Maybank a/c ).
2. Interbank Giro.
3. Interbank instant transfer.

Is the fpx transfer limit affected by those settings ? Should be independent I think.

for me, coz too poor to invest in several stocks & countries' stocks effectively 

thanks for the suggestion

i didn't go into details

For me, i look for funds that consistently give > 7% every year (not average over 5 years or so, but every year positive)

so i pull the data from FSM, recalculate the numbers to give me what i need

and select funds based on that criteria

do you guys think the FSM recommended fund is accurate and can be trusted?

Based on SSE Composite chart against 2007 peak, there's still some room.

Peak: 6100-6150

Today level: 4830

Delta: 20.8%

Sifu sekalian,

I'm planning a unit trust allocation for my mum & bro joint acc. I got her to withdraw her underperforming hong leong unit trusts and I'll help her manage on FSM

                                                                Planned %
CIMB-Principal Asia Pacific Dynamic Income Fund  30
CIMB-Principal Global Titans Fund                  15
Kenanga Growth Fund                                          15
RHB-OSK Asian Total Return Fund                  20
RHB-OSK Cash Management Fund 2                    - 
RHB-OSK Islamic Bond Fund                          20
 
As a retiree, I thought 60 EQ: 40FI is okay for her since she has a bit of FDs too. Previously it was 95% EQ 

What say you? The intention is to leave it there and probably take 8% out as annual bonus. Is 8% absolute return realistic with such portfolio? I'm not keen with India & China focus type of funds

Guys guys, one question!

How do you guys start your investment life with FSM? Did you guys join with 0 knowledge in Mutual fund and pick up as you guys purchase,

or you guys learn them first before joining?

Me2, bought from bank based on bankers recommendations. After that I realise I dont need to rely on them n pay 3% commission 

Online is always cheaper. I read in eunittrust, it seems they have promotion or something. Many funds are 0% charge if purchase above 10k. Just wonder why eunittrust is so quiet.

i went in through public mutual about 7 years back.

i felt that my agent did not give extra service (updates on fund, switching advices, new funds for diversification etc) , sold my units back then and wanted to buy a house.
instead, changed of plans and put in tabung haji for few years

last year felt wanted to continue back investing, picked FSM as online platform, and for the 2% salescharge.

mutual fund knowledge.. through reading here-lah

I'm from engineering background, was not interested at all about economic news etc.. now felt that i should've taken economics instead. quite interesting 

Yeah i know right! I felt that even tho FSM has relativity better rates, I dont really prefer it (to start my UT investment in it) because I am still new and I prefer to have a "physical/ face to face" person sitting next to me guiding me through the process. I guess i will most probably join FSM after i know whats happening and the market practice of UT.