good that you research and know what you wanted to know...I think many newbies just does not know what to expect or expected of them to know, or maybe they just don't know what to research.
for my first time, I just when to the bank...select the prettiest one at the counter, and asked, "I wanted to invest in uts...what is the best now?"......I ended up with all in tech funds under different names with many banks before the Y2K....
Fast forward....back in 2013, (some like me just researched funds for highest past track performance).....they just "bang, Boom and boom" when it happened and just wondered why and where it came from.

I guess may be have to revamp or add in more FAQ's or improves on the FAQs contents....just a suggestion.

btw,..i think @pink had come a long way to be so patient and allocating since May 2013....see his reply to my question....
BRAVO... @Pink


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give them abit better than ASX and keep the rest? let them sign "capital guaranteed if held till maturity"?

that is good way to start preparing him....
I got in May 2013...almost all EQ and FI funds in FSM had been so good that had difficulty selecting....based from their past few years of performance track records...I was so confident that I can make some $$, but 2 weeks after I made all the purchases...FED said QE stopping...

yes,...
FSM site has data of historical returns or
see post# 329 and #330 to have some idea from other fund house
https://forum.lowyat.net/topic/3580942/+320

no, never buy Pacific before...

I had made a simulation....
...switch out fund "A" that is 10% of portfolio, to Fund "B".
fund "A" continued to grow +10% nav...Fund "B" made 0% growth
therefore ROI less 10%...it just affected the IRR by 0.X%
I think the longer the age of your portfolio......the less the IRR will be affected from the changes in the ROI %.
so don't regret.....stay invested and make changes if you think it is necessary.

why don't you think it this way....
if you had just bought it last 2 weeks...now with this news or other more seriously news....what you gonna do?

with that....have thought about this.....

"I always recommend investors to invest in a product that they are comfortable with and can go to bed at night not worrying about it. If it disturbs you, consider a product with a lower risk characteristic. Choose an investment solution that best suits you investment appetite"......from an article by Teng Chee Wai.

Thinking about what risks you think you can take is not the same as the really know it....
"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".

Keep Your Risks In Check
http://www.fundsupermart.com.my/main/resea...-May-2015--5825

i just completed switching into Jpn another 5% of portfolio
now this just out...
Japan cuts growth outlook, pushes back inflation target
30 Oct 2015 at 13:46
http://www.bangkokpost.com/news/asia/74923...nflation-target

Why Invest in China Now?
http://www.fundsupermart.com.my/main/resea...mber-2015--6474

Where to Invest Your Money for the remaining of 2015? We asked the fund houses for answers! ....Author : Fundsupermart
http://www.fundsupermart.com.my/main/resea...g-of-2015--6346

Star Ratings For The Various Markets
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

China A, China H & Red Chips – Know The Differences! [30 Oct 15]
https://secure.fundsupermart.com/main/artic...0-Oct-15--10988

continuous and continual improvement....that is good.
polarzbearz...pls have a look...and add in if ok?....

but not in IRR? represents absolute profit/loss not that great to reflect the performance of my investment as mine is just few thousands RM others maybe of few hundreds thousands RM....the chart may not reflect for comparison?


This post has been edited by yklooi: Oct 31 2015, 05:49 PM

30 Oct status....
at least beat some FD rates....


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nothing BIG/serious happened between 29 & 30 Oct.....so use the Thurs NAV...I think should be alright....will not make big impact on the IRR.

wondering how to get the lower price each month....
the NAV we see today is of yesterday's
the NAV that see may already moved....
sure win in the long terms?
it "may" end ups like this too for years....
by the time "if" it goes up,....its IRR may be too minor to cause a positive emotional "UUUMPH" too.

just a little extra thought to consider when investing....


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while waiting for value added response.
I found this....hope it can helps you decide and make conclusion based on your needs
just a note:
"Past performance may not be an indicator of future performance"
Happy investing


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just entered approximate 4.5% and 2.3% on 2 nov


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guess I bought at 1% lower NAV than if I had bought it earlier...will it get lower? time will tell.

some data I had on PRS growth funds as at Nov 2015
just a note...get those that fits your risk appetite too, don't overly focus on the performance.




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maybe (speculative)....that was before the change over to affin?
some unseen hands fonding it?

I guess that is best asked and answered by ester loverboy?

from what i understand is CMF is a standalone sort of FD a/c for temporarily holding
therefore any buying from CMF to any fund house will be subjected to SC

YES,..will be charged 2%SC because it is from CMF
credit point is applicable from same fund house switch of funds between tier and except CMF

NO.cannot use...have to pay SC again because it is consider as new money from outside the fundhouse.

still not convince..ha-ha
Call FSM client care....
03 - 2149 0567 (KL)
04 - 640 1567 (PG)

should have "studied" first before sign up
so as to not have so much pressure to take the new a/c benefit time line.
anyway...welcome onboard...

try reading these first....

If you're a novice investor -- or you're looking to brush up on a specific investing concept -- this is the place to start. We've tailored this section to give you the investment foundation that you need.
We believe it is important that you first acquire this knowledge, because only then would you be able to take charge of your own financial planning and be great at managing your financial wealth.

Those of us here at Fundsupermart believe passionately that unit trusts are the best investment instruments to help achieve our long term financial goals. So here, we'll show you the basics of financial planning, tutor you on the finer points of unit trust investing, and help you make better investment decisions!

http://www.fundsupermart.com.my/main/school/school.svdo

in that case,..sure you can...
but do take note that some of the bond funds has holding periods and bond funds has platform fees (even for a few days)

This post has been edited by yklooi: Nov 9 2015, 04:56 PM