FSM-CIS are just following advise set by the management i.e., the responses are standard replay wan lar....

Here, we give you real heart to heart talk.

Xuzen

Wow! Morning star is amazing.... been checking it out.

Now I no need to belanja kopi-o and nasi lemak to my insider friend liao!

Those fund that are usually discussed here are all doing 20++% p.a. consistently for the past three years.

Those that are not performing well like those get forgotten and will never be brought up for mention.

Xuzen

Pinky got what startegy ar?

Where got overboast? Look at the three year annnualised figure of those funds that we all keep talking about.

Xuzen



This post has been edited by xuzen: Oct 25 2015, 03:13 PM


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Lee Sook Yee fund slow & steady wan... man man lai type!

Asked and thy shall be enlightened!

IFast = FSM = same company, diff division.

With IFAST you need to go through agent Licensed financial planner. The agent Licensed financial planner will then hold your hand softly and gently, mollycuddly with you to walk the investment mine-field together-gether.

With FSM, nobody gives a SH1T abt you! Everything you kow-tim yourself from filing up the forms to submitting it.

Xuzen

This post has been edited by xuzen: Oct 26 2015, 02:53 PM

For the "hold your hand softly and gently, mollycuddly with you to walk together-gether along the investment minefield" package it is 3% upfront + 1.5 % annual advisory fee. Thereafter any switching will be free of charge.

For the "Nobody gives a SH1T" package: 2% up front and 1% or RM 25.00 per switching whichever is larger. Sometimes, FSM when biz is down, may give you for a limited time 0% sales charge.

p/s for the "hold your hand softly and gently, mollycuddly with you to walk together-gether along the investment minefield" package, the 3%and 1.5% can be negotiated if you show how BIG your cheque amount.



Xuzen

This post has been edited by xuzen: Oct 26 2015, 03:18 PM

CMF is just like a UT that take your money and buy up money market instruments from the debt market. The instruments they buy include but not limited to Bank Guarantee, Letter of Credit, Banker Acceptance or Creditor guarantee.

Technically the trustee of the fund holds the money, the UTMC manages the money and FSM is the nominee of your account. Confuse? Sorry you have to ask....

There are lots of CMF. Up to you lu suka mana satu. FSM uses RHB punya right?

wrt credit this credit that.... sorry I tak tau pasal itu coz' I am on the "hand holding, molly......" package. don't give a darn about credit this credit that.

Xuzen

wongmunkeong, my advisor is a guy... I completely like his hold-holding & mollycoddling, I am not sexist.

This post has been edited by xuzen: Oct 26 2015, 03:42 PM

Vanguard, you are sick person.....

Sorry ar sorry ar.... I must have assume CMF = Money Mkt Fund

Xuzen

Ini pasalah tak nak dengar cakap bang Algozen™...

p/s Have never recommend alladin before.

Xuzen

Gone up so much ar?... I will put a neutral view on it now.

Xuzen

Your view is wrong. Big or ikan-bilis also can use IFast or / and FSM. It is not about big or small player.

IFast is like a full service fine dining restaurant with nicely dressed waiter serving you.

FSM is like a public food court... you sendiri order, bayar kat counter, ambil sudu / garpu pun sendiri... lepas makan, clear up your own piring / mangkuk. Understand?

Xuzen

If Labah-Labah merah jambu is from Tiny Little Red Dot across the causeway? WTF is he doing in Bolehland FSM?

This forex thingy is a double-edged sword... it cuts both ways. When MYR strengthen against SGD, then you'll wish for the other way.

1) My question is, investing in equity is already a risk (market risk);

2) investing in a foreign equity add on another layer of risk (market + country specific risk);

3) buying foreign asset using a foreign currency is just piling on the risk (market + country specific / political + forex risk)

Why take on so many unnecessary risks? When you calculate your portfolio risk-reward ratio, you'll go

Stay safe in motherland lar!

Xuzen

This post has been edited by xuzen: Oct 27 2015, 03:10 PM

I have no idea WTF you are saying... but it sound so sexseh!

Xuzen

No money talk so much!

Lai lai mali-mali, gua ala satu produk yang betul-betul ngam for you:



Xuzen

This post has been edited by xuzen: Oct 27 2015, 10:30 PM

FSM talak ambik ejen! FSM = self service food court style.

Xuzen

Now show him again... all so green now!

Xuzen