any special consideration of this HSO?
why HSO and not Kenanga Growth Fund?

Other than RHB-OSK EM and Asian Total Return...

Ada apa bond fund rekomen?

You can grab from here if you can't wait:

http://www.aberdeen-asset.com.my/aam.nsf/m...iaAIAMSB/prices

Around 230 I logged off and went on the app. It showed 18th till 4pm. I dont know about you guys but Im getting delayed articles from the app and even the kuching FSM talk which is happening this Saturday notified me only this noon. Lucky I checked the website a week before. still cannot take leave to attend. Medical line sucks.

Aiyoh! It is money mkt fund we are talking about lar... it is not suppose to be exciting wan leh! Generally money mkt ROI is around 3.5 to 4.00% p.a. Also note that there aren't many choice of money mkt fund available under FSM platform.

Hop over to eunitrust by Phillip Mutual and you get more choices. But then again, those that give better return are mainly wholesale money mkt fund where the initial entry is min RM 100K, some need RM 250K (they are targeting corporate client) not retail investors like you or me. Those additional ROI are mainly around the region of extra 25bps to 50bps and that is because of the lower MER charged by these wholesale fund.

Hence choosing a money mkt fund is like trying to go Tesco and trying to choose the best butter... which is kinda silly coz all butter taste the same anyway.

Xuzen

in terms of what?
Customer service? or ease of platform use? or lots of info on website? or ...???

kan some jokers claim that Pinky is FSM staff?

Both lebih kurang wan lar.....

I heard (rumour) FSM staff more seng-mook and more proactive and do stuff faster.... it is all rumours nia, no substantial evidence. Not sure is staff attitude or their system more faster?

Xuzen

Hi,I am a newbie in ut.I go through the posts here and now I have 2 questions.really hope all the sifus here can clarify them.
1)ponzi 2.0 -what is it?I Google search and it comes out "a fraudulent scheme "

2)polarbearz,IRR,XIRR...is it advisable for one to learn to use it if one is to invest ?be honest,I only heard about IRR before

Can't we just use the simple maths calculation of selling price of  NAV  minus  initial buying price of NAV?

If I am not mistaken ,one post here says XIRR is actually IRR?sorry but I am really very confused and i have no financial background concerning all these excel formula(I think they are excel lah)

That's basically ROI after averaging out the cost/unit.
XIRR and IRR are both Excel functions that calculate IRR. The main difference is that XIRR can deal with random dates, while IRR assumes the values you give it to be periodic.

Here are some examples of the different return rate formulas used:


Note that ROI and CAGR calculated the same values for all scenarios, these two measures are not time-sensitive: ROI measures the absolute return over cost of investment irrespective of how long it will take to get that rate, CAGR gives you the average return per year that your investment is compounding at.

IRR on the other hand takes into account the time-value of money, i.e. RM10 today is worth more than RM10 next year. To understand IRR more, you'll need to learn about NPV (Net Present Value, i.e what's the current value of a particular sum of money that you will get in the future).

You are buying a fund that's expensive and will be continue to be expensive in the future.

I wrote the above on 22/9/2015. Today in starbiz (Mon, 28/9/2015), this article came out...Investing in Volatile Times by Haren Shah, Citi's CIO. Even the pro's are saying what I am saying.....