Seriously I am amazed by the patience, dedication and effort by Pink Spider, Xuzen, Unker Looi and others in posting lengthy replies and explanations to guide the new members to FSM.

This is especially so during this weekend when the CIS of FSM are closed.
At least CIS gets paid but you guys are doing it voluntarily.

You have earned my respect. How I wish some reward scheme is possible

This post has been edited by Vanguard 2015: Oct 25 2015, 12:45 PM

Sounds like a great idea

No, wrong already.

KAPTRF = Kenanga Bond = CIMB Bond = Ponzi 2.

Note: I assume Ponzi 2 is CIMB Asia Pacific and that you are not putting any fresh money to invest in Ponzi 2 but only using the money from KAPTRF.

There is no one right answer. It all depends on your risk tolerance and comfort zone. Of course I assume you already have 3-6 months of emergency fund set aside.

My view on asset allocation may differ radically from the sifus here. If you are a young investor, ie below 35 years old with at least 20 more years working life to go, I would advise 100% in equity funds or at the maximum 20% in bond funds.

Why? Because I assume that as a young investor, the initial capital layout will not be huge i.e. less than RM50k and the monthly DCA or Value Averaging will be around RM500 to RM1000. Therefore any paper loss suffered even if it is a 20% annual loss will not be huge. Further provided the investor does not cash out but continue with the DCA or VA for the next 20 years, he will have more than enough time to ride out the fluctuations in the market.

For young investors who wish to have a 20% bond allocation, I would include RHB ATR, AMB Income Trust Fund and RHB Asian Income Fund (which is a balanced fund) in the portfolio.

As usual please do your own research because Vanguard may lead you to Holland!

Of course we can build our own balanced fund. Any investment book will tell you this.

But very few investors including myself could effectively build our own balanced fund portfolio. In theory it sounds very nice but in practice, the itchy hand syndrome may prevail.

Sounds like a good plan.

So by paying more than 2% in sales fee, do I get a free papaya massage and ping pong treatment?


Yikes, I never thought of that before. I think I will stick with FSM and do "self service".

This post has been edited by Vanguard 2015: Oct 26 2015, 03:40 PM

Thank you. I will take that as a compliment, Xuzen.

I suggest using DCA only. RHB ATR can fluctuate. For e.g. you invest lump sum RM10K. 2-3 weeks later, it can fall 2% to 3%.

Therefore your RM10K become RM9700K. Are you OK with this type of fluctuation?

Tangkap. Tangkap. SOSMA. SOSMA.

Huh, really? That is news to me and apparently also news to some forumers here (judging from their replies).

I am puzzled. Why would a Singaporean invest in FSM Malaysia? Wouldn't FSM Singapore be a better choice with such a wide range of funds and zero entry fee?

Hi Pinky, don't misunderstand me. I have nothing against Singaporeans.

I am further consolidating the number of funds that I have. Too many funds now....getting killed in the cross fire.

When I have enough moolah, I may kick start my supplementary portfolio again or start a small gambling portfolio again.

For now, I have to concentrate on my core portfolios.

I consider myself an 'expert' (cough, cough) in analysing the credit points system for FSM.

For those who wish to save the RM25 transfer fees for the RHB fund houses when you transfer from one RHB equity fund to another RHB equity fund, you may do the following "magic". Eg:-

RHB China India Fund = RHB Money Market Fund = RHB Asian Income Fund.

Dude, invest first-lah in FSM. Don't jump the gun. Do it slowly.

This switching thing only comes into the picture when you are changing underperforming funds later or switching out the excess profits.

I am sure the sifus here have different tricks up their sleeves to increase their profits or decrease the costs. I have already shared one tip already....

Eh, I have intra switched using Eastspring and TA equity funds before. I have never encountered this 0.5% switching fee before. Even today when I switched out from TA Global Technology Fund, I did not see this? Unless I mata sepet and missed out this detail in the transaction???

Yes, you are right. This is not meant as a wrap account thingy. If you are intra switching a large amount of money (from one equity fund to another equity fund), then there is no point in saving RM25.00. This applies if you are taking advantage of a sudden huge drop of the NAV in the equity fund that you are switching into. The projected profit that you expect from the rebound will be much more than RM25.00.

Yes, this RHB Money Market is different from the RHB CMF. I found out through the hard way....after burning more than RM100.00 performing intra switch from one RHB Equity Fund to another RHB Equity Fund.

So please learn from my mistake and save yourself a few hundred bucks. With the extra money, you can buy a good book on investing in unit trusts or on asset allocation. The book will pay back itself a hundred times more in the future.

No point saving RM80.00 to buy a book when you can make RM800.00 or RM8000 from the tips in the book. Sorry I am blabbering....

YK Looi, my 2 cents worth... Speaking from my experience using Maybank2U.

1. Both your wife and you will know each other's username and password for Maybank2U.
2. The emergency fund/buffer money is placed in e-FD which is done online in Maybank 2U.
3. In case of an emergency and one of the spouse passed away or is in a coma (touch wood), the other spouse can uplift the e-FD from the other spouse's account online at any time.
4. The money can be transferred out periodically. I can't remember the daily maximum transfer limit.

Does this help?

Intra switch more than 4 RHB Equity Funds over different period of time? RM25 x 4 = RM100?

Issue them a post-dated cheque?

Soli, soli. I was referring to my RHB transactions in the past. But I am a reformed player, I mean reformed investor now. No more active switching. Only periodic rebalancing.