A: retail or consumer
I: institution placement

Like PRS fund, whereby they have different classes for different source of placement.

RIP long ago ....just about to consider this fund due to the word "legend" but I am wrong

RHB ATR is making very good return .for the first time investment in bond ,is it recommended ?
I am afraid of buying high but I know we can never time the market ,as said by all the sifus here

Sad to say I only left 1 fund here, I hope I can graduated from FSM MY very soon.
I moved all my funds here to SGD investment.

Direct in SGX (STI) or FSM SG?

This post has been edited by David83: Oct 26 2015, 11:37 PM

both, also stick with fsm SG almost 3 years already. I noticed investment return plus currency appreciation is much greater that what solely in MYR based. That's my personal experience only.

Hmm... sound interesting. Any idea that we as Malaysian, can invest via FSM sg too?
Need to open an account there? Is it troublesome?

Kindly enlighten, thanks

So the one that we buy from fsm should be class A right?

oi... the two Arabic phrases are banned for non-Muslim use

35 Arabic words banned for non-Muslim use

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.

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

Best would be have your wife have the same account/joint account, each give the other the username and password so can transfer the money instantly online

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

Maybe because it's long time ago. Bank policy change. So need to update. Also depends on which bank. eAccount, you can transfer up to I think rm20k/day. So she can split it. Transfer rm5k into her account.She withdraw rm5k from the ATM from yours and her own account. That way, it won't trigger any alert

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

Some banks are like that. Every year need to go to bank and ask to update cert. Same time ask them to make about condition of withdrawal.

By the way, uob and Affin bank's FD, anyone can sign. Uob, tried and tested by Gen-X. Affin bank tried and tested by me.

I think is atm transfer = counted as withdrawal. So that's why I suggest online transfer. Online transfer + atm withdrawal. Not sure it can work or not. But can always experiment and see. If it can work, next time at least no need to worry. If can work, just deposit the money back inside

This post has been edited by Ramjade: Oct 27 2015, 08:28 AM

ok thanks for the input...

I think this has something to do with the anti money laundering & identity theft policy in banks...
Bank Negara has tighten the securities around the banks in Malaysia...
It really does give us, customers, some problems...

Your intra fund house switching got incur RM 25 fee?

Hi... I started with FSM SG early this year, mostly put in Asian ex japan funds and it's not exactly doing great
Any recommendations for the funds you like?
They have really a lot of funds and make me so pening