It is all depends on its allocation.

To achieve 5%, it needs to invest 50% (max) into fixed income instruments and ensure that this segment is able to outperform far better.

Given the current MMF ROI quoted at 2.4% pa (before July 2020 OPR cut), any insignificant allocation into fixed income instruments or under-performance of the fixed income instruments, may not able to enhance the ROI drastically.

This post has been edited by GrumpyNooby: Jul 16 2020, 09:55 PM

Should b maintain 0%.
I do ask the CS, they said it will maintain 0%.
But the problem is, if we buy public e series UT, we only can switch it into public e series UT

U trt read all the thread in this forum about unit trust, sure u will understand it.
Read when u free.
But i only invest money market or 0% sales charge fund in public mutual because sales charge is high compared other platform 😁

I like to invest in money market that also come with a bit FI, since pure MM fund return toi low. 😂
MM only my temporary parking place 😋

This post has been edited by ironman16: Jul 16 2020, 10:14 PM

then buy bond lo
i have P Bond

0% sales charge? 😳

Why don't consider pure bond fund that invests in short term debt papers (less than 732 days)?

This post has been edited by GrumpyNooby: Jul 17 2020, 07:40 AM

I peanuts investor, not like u 😝

U got any recommendations? Kasi sikit tip, i go Flip2

This post has been edited by ironman16: Jul 17 2020, 08:02 AM

I'm a rojak investor. I shoot at almost everything.

Try AmBond: https://www.fundsupermart.com.my/fsmone/adm...eetMYAMBOND.pdf

This post has been edited by GrumpyNooby: Jul 17 2020, 08:05 AM

try FSM bond?
sikit sikit money also can buy...

for tips,...try their CIS?

I already got opus income plus n amincomeplus, same?

Got sales charge or exit fee or redeem fee? Nv touch b4. U buy oso? Don't know how to select, kiasi

This post has been edited by ironman16: Jul 17 2020, 08:25 AM

Should be the same; both funds are primary in short term debt papers.

me no buy bond,...just bond funds...
scare mah...just want more diversification of holdings with my limited money.

oops,...getting "OFF Topic liao..."

This post has been edited by MUM: Jul 17 2020, 08:34 AM

Public mutual 1% (0.95% through PMO)
Fundsupermart & Opus 0%

Thanks, main purpose is for parking emergency fund, i diverse in various platforms 😂.
If reach my target, just divert to others equity or bond fund.

😋 So do i, better play with the thing i already familiar.

I prefer 0% sales charge, that's why i prefer public e series money market, with a bit in FI n come with 0% sales charge.

i thought is 0.5% for fundsupermart?

For fundsupermart, sales charge
Bond fund 0%
Equity fund 1.75% (lower if got promotion)



Sorry for out of topic. Fundsupermart has it own topic
https://forum.lowyat.net/topic/4193169/+22060

This post has been edited by engyr: Jul 17 2020, 09:10 PM

i think u mean bond fund is 0% (but some come with platform fee or redeem fee )

but Bond in FSM got processing charge n platform fee

This post has been edited by ironman16: Jul 17 2020, 09:40 PM

i baru sign up but i dont know how to see which one got processing or which one dont have inside this FSM
let me go over that side to ask

If you want 0% sales charge, 0% platform fee, 0% redemption fee, Opus fulfill it. There is another topic for Opus.

https://forum.lowyat.net/topic/4886774/+1260

Points to consider: some funds at Public Mutual /fundsupermart have good return in 2018&2019 though charges incur.