Not familiar with credit system...go read FSM FAQ

That AnitaMuiBond fund...what's so special about it?

Just compared it to the likes of

AmDynamic Bond
RHB Income Fund 2
Eastspring Bond Plus

Lebih kurang sama je...

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

so hardcore u read all v1

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.

Thanks. will do switching some funds.

Understood.

Ok just managed found d link. Tks

You might want to skim though as there were some good discussion back then. For example during polarzbearz development of his spreadsheet, there were detail discussion such as formula and calculations etc.

This post has been edited by kimyee73: Oct 25 2015, 10:33 PM

Noob ma. So have to work hard lo. And it was like walking down Pinky's memory lane lol.

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!

Thanks for the advice. I paid more attention on those technical posts. Skipped through most posts about what to buy and what not to buy as I feel most of them are not really relevant today. Lol. Iirc, you started to invest on fsm on v1 too right? And also kaka. David83 started to build his portfolio on fsm too and slowly moving away from PM.

U have read all version?

Balanced fund not really recommended due to SC. Might as well build your own balanced fund via 1 equity + 1 bond fund. Your effective sc is only 1% instead of 2%. Correct me if I'm wrong.

V1 only leh. You wanna summarize v2 for me?

No need to summarize
If u have the gut, just follow FSM recommendation

When I was newbie here I really did skim through v1 v2. .. lol. Sipek so many posts. .. just scroll while working lol
Lots of valuable info from fellow seafood here.


Lol misunderstood the meaning of my legend here.

Anita Mui RIP long ago lol. But here name remain remembered in our heart here.

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.

Gave up on v3?
I'll probably start v2 soon.

yalor.. It's already like 11year+ she RIP

but I wonder why the name Anita Mui Fund?

This post has been edited by nexona88: Oct 25 2015, 10:58 PM