looking at the past performance of a sample of a "balanced" diversified port over the past few years......
you are not alone to have felt that way......
many would have suggested goto ASNB FP funds......
or if nearer to 55 yrs...goto EPF
or if can proxy to parents...goto EPF....


This post has been edited by yklooi: Dec 18 2018, 12:58 PM


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many people said....at the end of the 8 yrs "may not see better results"
every year not making money are opportunity cost.

will be very difficult to get back up for 10% drop this year may need 11% up next year just to break even....
if they were to + the opportunity cost of last year (x%) + opportunity cost of next year (Y%)......
lagi teruk % have to up.....

just an analogy like things....

"what if we do the right thing and all is green.
You keep the fund there for 10 years.
And then suddenly the market crash and you lose the job or something and you need to get some cash.
But due to the red market, all the funds that are doing well in 10 years has now plundered. "

assuming all green at 7% pa for 10 yrs

your invested money will be doubled......

if mkt crashed 50% at that moment......looks like you may still have back your initial investment amount.

but if you were to do as per suggested in the earlier posts (above posts), you may lose not that much....

usually most would buy more when the markets are low and sell when the markets are high
usually most would also buy from those that does charge lower sales charges.

well unless those that does not mind about the above at all....then it does not matter

That analogy is for 10 yrs...
Thus 5.5% over 10 yrs is how much ammortized % ?

I think cannot get to download the prospectus for A particular fund.....looks like have to download ALL of them
i also think PMO cannot sort the performance as per your query, but
for many forummers, they sort the performance by 3,5,10 years etc.....
by using morning star.
in the local representative...select public mutual
https://my.morningstar.com/ap/fundselect/results.aspx

just not sure if those that are PM UTC can access that portal and do as your 2 queries...


This post has been edited by yklooi: Jul 28 2019, 06:42 PM

how does DDA/DCA actually help in growing the fund when each transaction is charged 5%?
you still will have 95% of that RM 200 monthly added into the fund....(RM190 pm added into the fund)
This RM190 pm is a form of savings for the long-term.
It requires patience, discipline and not being effected by market movements and in the end of the duration of your investment objectives you will have a large pool of money (if all goes well according to plan).

In short, DDA/DCA helps to grow your investment steadily with no market timing involved.
It smoothen the NAV price volatility and reduce exposure to risk that is associated with making a single large purchase.

on the agent thing....no idea, but i think and my wild guess is they will randomly put a PM UTC

YES, you will need more than luck in this Public U.S Equity.....when compared its YTD performance with other US equities funds....
also many "experts" and data thinks the US is on the high side of being expensive in terms of PE valuation, thus hope you have other funds other than this US exposed fund.



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try this ...the bottom page of this article has that info that suits your criteria....

https://www.fundsupermart.com.my/fsmone/art...through-i-Akaun

from FSM thread....



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on this...
then minimum rm 100 per month
put into south east asian fund ?
is it Public South-East Asia Select Fund ?

then in future if want to sell or buy more, no service fees ?
after 10-20 years even if sell off everything also will not be taxed ? so good ?
sell/redemption no charge, profit no tax, but I think every month RM100 will be subjected to 5.5% sales charges

cos agent said wan help me get higher returns
YES, so will the higher chances of losses too...Do remember it is your call not the agent....you are responsible for your own money.

the stated allocation and the holdings like DBS and Singapore allocation is NOT fixed and can be changed by the Fund Manager without notice.

you need to callup the agent to confirm the no monthly sales charges of 5.5%,...preferably thru whats app or email...so that got recorded communication.
according to the product highlight sheet...there is a sales charge of each purchase.

not sure if can still earn after the 5.5% sales charge...
but if 1 time sales charge if amortise it to 20 yrs, then very little percents only.
but if 5.5% each month on each top up of RM100.......

This post has been edited by yklooi: Oct 20 2019, 12:27 PM

I think the general risks are....
Not pidm protected
Not capital guaranteed
No known exact rate of returns before hand

With that,... if that products is 0.2% over the non promo fd rate....
It means for every RM100 000 it is RM200 extra a year
Thus it is up to you to decide on their worthiness

Btw...money in these CIS funds can be withdrawn with gain intact,
but money in FD will lose it interest if withdrawn prematurely.
(Spread out the maturity dates if have to)

This post has been edited by yklooi: Nov 27 2019, 09:43 AM

this RM6000 could just be 0.001% of your total investable money thou

try read compilation as in page 93, post 1843...

btw, your assumption will be based on "Historical data only"

try this,...hope it can helps you.....
https://www.interpac-asset.com.my/understan...usts-dividends/

other than select 'none"
can i key in the UTC number of someone else instead of predesignated one?
like the UTC of someone i just met?
will he (the new one) get the commission instead of the 'old' UTC if i do so?

This post has been edited by yklooi: Jun 12 2020, 12:03 PM

mind sharing where is your service coverage area?
this would be appreciated for potential client lurking here, as if you are in Perlis, while potential clients reading your posts maybe from Sabah or Johor, thus making forms signing not convenient and other considerations.

Mind to assist this forummers on his query?

Are they beating the same benchmark value? For the same period under analysis?
Just noted..... their individual benchmark value can be changed in relation to the period
Thus making fund selection based on comparison of beating benchmark valid a fruitful endeavor?

This post has been edited by yklooi: Jun 27 2020, 01:48 PM

If so, do you think it is valid to make judgment based on the benchmark value when each of them may have different composition n % of allocation variance?