see revised Chart and data in post 664...this one lagi worst....
no chance for DCA/DVA to continue investing....(to get more units or buy at "cheaper" NAV)
"With effect 27th Feb 2015, we will cease accepting monies for subscription (including switching)" after downed for > 2 years....they said that

This post has been edited by yklooi: Oct 24 2015, 09:22 PM

NO, these 2 still got chance as they did not stop subscription for one to DCA/DVA....
this one is....RHB AGRICULTURE FUND
"NO change for Revenge to be done"...a Chinese saying...

yes...that is just to show that, don't expects
1) all/any funds can make money also
2) DCA/DVA when market is down is safe....for it can continued to be down
3) DCA/DVA for long terms, buy more for "Cheaper or more units".....at times there is no change to do that.
4) etc, etc, etc.

...just be prepare, know what you are getting into and read/post this thread more often...ha-ha.....good thread promo statement..

This post has been edited by yklooi: Oct 24 2015, 09:19 PM

As different investors have different styles of investing, some of the funds in the Recommended Funds List might not be suitable for them. For example, some funds are known to be more aggressively positioned than some of their peers, which won't sit well with a more conservative investor looking for a more resilient product.

Thus, investors should consider the various merits and characteristics the individual funds possess and look to find a product that would complement and sit well with their investment style and philosophy.

http://www.fundsupermart.com.my/main/resea...?articleNo=6041

ARE YOU AGGRESSIVE, BALANCED OR CONSERVATIVE?
For instance, you might have thought you are an aggressive investor who can cope with a high level of risk. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments may not so suitable for you because they are likely to cause you to lose money.

http://www.fundsupermart.com.my/main/resea...-May-2015--5825

implication of this?
What Will It Mean If the Yuan Gets Reserve-Currency Status?
http://www.bloomberg.com/news/articles/201...e-currency-nod-

start preparing to more since it will start to boom again for a duration?

I hope someone can caution you of this 15% ROI......
this % is BEST be included with a time frame.....
just an example...
15% in 5 yrs is not same as 15% in 2 years...when talking abt taking profits
also this asset class / fund may have just + 10% but the others of opposite asset classes/ funds may have -10%.....thus the variance is 20%.

why sell when it is profitable?
maybe b'cos...
Markets Are Getting Expensive?
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

This post has been edited by yklooi: Oct 25 2015, 11:00 AM

if new a/c opening will get extra reduced SC for 30 days.
normal purchases is normally max at 2% for non FI funds
Normal, Silver, Gold or Platinum Status holder will get different rate.
http://www.fundsupermart.com.my/main/faq/1...-Programme-8873
at times there are reduction too.
you can check the Sales Charges in the FSM site.
click FUNDS INFO > Fund Sales Charges > Buy/Sell ....then select the fund you want

15% is doable...if
a) you believes that Past performance will repeat itself;
b) the fund that you hold are in this listed per attached;
c) your fund that you are holding are not in a high valuation region/sector/country
d) be careful of the variance (mentioned at above post)

btw, what is your "allowed" paper losses or real lost, % you allowed to have per year?

This post has been edited by yklooi: Oct 25 2015, 11:21 AM


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yes + GST too and extra charges like the fund house will charge you for the management of the fund + charges by custodians will charge too...these charges will be charged regardless of the performance of the fund that you bought eventhough these extra charges are not seen as they are already incorporated in to the NAV.

some info from here....more on the web...
http://www.moneysense.gov.sg/Understanding...rusts.aspx#What are the fees and charges? What is the Total Expense Ratio (TER)?

Q: What kind of charges do I have to pay?

A: There are 2 types of charges. One is the sales charge and the other is the annual expense of the fund.
The normal sales charge for most equity funds are around 7%. However, at Fundsupermart, the advantage is that most equity funds are sold at around 2% sales charge. The sales charge is applied at purchase.

The annual expense of the fund is what is charged to the fund. This includes the fund manager's annual management fee, and other administrative fees that are incurred in the running of the fund. You do not really need to fork out additional money to pay for the annual management charge to the fund manager. They will actually deduct it from the Net Asset Value of the fund daily, and the published price will take into account of the pro-rated annual management charge.

http://www.fundsupermart.com.my/main/faq/0...tribution--1083

This post has been edited by yklooi: Oct 25 2015, 11:35 AM

Q: Is credit system applicable to all switching?

A: No, Credit system is only applicable to Intra-switch, not for Inter-switch.
However, there are certain funds which are not available for Intra-Switch. Please refer to SWITCHING OF FUND FAQ for more information.
http://www.fundsupermart.com.my/main/faq/0...dit-System-2001

for the benefits of doubt and more info on this...
what is the different one must have and willing to pay extra for this "hold your hand softly and gently, mollycuddly with you to walk...." versus "nobody gives a SH1T abt you!

phew! what a relieve....finally switched out my RBH Emerging Opp Fund (was one time in the recommended fund list)....to Asian Total Return
this fund really can make me hate love it....fall MUCH faster than EISC and climb MUCH slower than EISC too.....
moves on...moves on...
btw...just checked...my portfolio ROI is at highest but my IRR is NOT...
hopefully changes to HW JPN Growth and Asian Total Return this month would be able to enable better IRR% next month and beyond at a volatility that I can swallow too


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maybe a bit off topic,...but I just want to say is think it over about how you place the "emergency fund"...and the back up plan on its withdrawal....

I used to place 1 FD cert in bank under my wife and my name, that we remembered specifically instructing that it had to be either one to sign....that was 5 years ago and with out the physical cert type......
last month I went to the bank to withdrawal upon maturity......the counter staff told me I have to bring my wife there to withdraw as "their computer system" showed "both to sign".....I did not want to argue with them. (it just make me wonder...maybe it was "human/error" that caused the computer system to be altered for safeguarding purposes and with good intention)...

just last week, I made ATM withdrawal.....5k max for 2 consecutive days, then on the 3 day upon reaching the 4k withdrawal...the ATM machine asked me to key in my personal details (not password).....then it let me withdraw.....then the next day,....the bank called me to ask if I did made some large withdrawal after confirming some personal detail....

maybe that was their ideal of safeguarding depositors interest from fraudulent withdrawals.....but it made me think,...if I had been lying in the hospital bed waiting and asking my wife to withdraw the "emergency" money ....then.....just think it over and maybe replan the exit plan for your "emergency fund plan".

don't talk about use credit card to pay first....that is not the point here and also if used credit card to pay...still have to get the "emergency fund to pay the card". hospital is just an example or some other things that don't accept the card too.

This post has been edited by yklooi: Oct 27 2015, 08:01 AM

FD cert Either one to sign is not good enough?
ATM machine...my wife has the password...not good enough?
the a/c that you mentioned...same thing that happened to me can not happens?.....maybe it would happens when the transfer amount "hits' a certain figures too.

This post has been edited by yklooi: Oct 27 2015, 08:08 AM

good suggestion that can be considered.....effective or not ...not sure ....I would just say "just go replan the emergency fund withdrawal protocol if you want".

"Bank policy change. So need to update"?...

btw,..i used my wife s/a ATM to transfer 5k to my s/a , after that her a/c cannot do any withdrawal for that day...max amount reached for that day.

This post has been edited by yklooi: Oct 27 2015, 08:23 AM

ok thanks for the input...

RM 26.50


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thanks for the latest input.
btw, any ebanking will do?
any special preference one....
can go from S/a to FD and back to S/a just in case need to withdraw money?
@Ramjade...you are the expert...any advise / tips here....

Yes the number of units one is holding is important because in the end it will be translated into RM value.
But is it beneficial to have more units?.....
it depends of how it goes....as shown in your post below.....

below is the example with time factored in (see added text in RED) (for those that did not like this month value can change to the value you want)