Hi there, new to FSM here. I've just briefly skim through the pages. It seems that FSM, Phillips, and DollarDex are are all options for investments.

Which is the preferred option for someone that wants to put about ~30k USD into their funds for mid term growth.

I told you dividends/distribution doesn't matter. Whether the fund got payout or not payout, not important to me.  In case you have doubts,
If you keep harping about dividends/distribution of unit trust, some day you will get conned (like most folks in Malaysia gets conned by PM returns even though the real return is nothing to shout about). Basically they give you RM1 worth of units, and the price also drop by RM1.

I think you need another lesson from dasecret regarding distribution/dividends?

Okay,... tell me then,...what if I bought the following funds at the following prices and am still getting dividends today,... or wait,.. perhaps you guys are comparing me against the best funds out there,...

Surely, if yuo always compare me with the best performing funds out there,.. mine cannot win-lar,... you keep comparing me with that Pine fund,..

Bros, what,.. hang-on, I think dasecret is a young lady, sorry honey.... what I needed is cashflow,.. it's not accumulated capital gain over a longer period. So, it's not fair to compare me with the accumulation funds-mar,... isn't it ??

Get your concept right first. All unit trust/mutual funds distribution/dividends are useless. You can search article written by govt link blogs to financial blogs all mentioned the same thing whether it's india, hong kong, malaysia, Singapore.

I give you few examples
Fund 1
A fund which give you 3% dividend every quarter without fail with returns of average 5%p.a over 3 years

Fund 2
A fund which give only 1% dividend once per year with returns of average 5%p.a over 3 years.

Fund 3
A fund which give only 1% dividend once per year with returns of average 7%p.a over 3 years.

Which would be the better choice?

She's an auntie who major in accounting.

I think both of you around the same age.  :blush

You are early 30s?   

Auntie should be 40+. 30+ can consider madam. I guess so. Auntie twinkle don't know gone where.

No. I think 3.10 is possible. I will settle for 3.10.

But without a Singapore bank account, how do we transfer money to buy and sell unit trusts from FSM SG?

FSM Malaysia has a Cash Account where we can buy in AUD, US, SGD and RM. I wonder what is the exchange rate they use.

I have already shared before. Here you go,  Currently I only have 4 funds
1. First state india
2. Schroder Asian Growth
3. United Japan small cap
4. Pimco Income SGD-H (think of this like affin hwang select bond)
- this will be my parking spot for mega stock market crash.
- otherwise just buy small amount every month

If you are using Fsm, switch first state dividend for Schroder Asian total return.  I can't buy that as POEMS don't offer the SGD version.

Guys how do I invest in FSM SG ?
Do I need a bank account there?
Will cash remittance cost a lot in terms of charges and also unfavourable exchange rates ?

Managed to open SG savings account, CIMB and Maybank iSAVvy. This thread is surprisingly very quiet.
Planning to go into FSM SG.
Any other newbies here?

You should discourage from people from signing up with FSM SG instead of encouraging them. If they still want to sign up and buy from FSM SG after knowing how much FSM SG charge,  so be it.

Been reading up on ETF recently. Assume one already have unit trust in most geography and countries, purchase ETF which duplicate with the stocks held in those fund is not stretching your dollar to the max.

One is sell off all your unit trust and re-enter by purchasing the ETF for those geography and countries. This implies giving up those fund returns accumulated over the years (for me is 20+ years) especially on CPF investment.

Second is to use ETF to complement your existing unit trust. I notice there are a lot of thematic/tactical theme play ETF for which stocks are not covered very well in unit trust fund. They are very risky of cuz so none I that I have checked can use CPF investment. All need to transact with cash.

Hence it wouldn't hurt to test water by opting in for the FSM ETF RSP with a low minimum $50 monthly for one ETF. The RSP list seem quite limited can write in to FSM helpdesk ask their research team to review if you want to add in a new ETF into the RSP list.

The selling of ETF RSP for fractional shares via this special RSP arrangement is Flat SGD 1 (SGX), Flat HKD 5 (HKEX). I like the "flat" keyword instead of percentage. Just avoid the FSM US listed ETF as there are cheaper alternatives elsewhere in terms of comm fees paid for selling. But you can only sell once per month at a designated day of the month. For trader I think this is not a good program. It is more for long term ETF investor instead.

Understand the ETF market seem to be all concentrated in US but I find HKEX not that bad too especially if you want to target China,HK specific ETF.