Can share the data?

Lazy to dig out as limited internet here

Morningstar. Now on phone. Hard Later share.

prince_mk Of course if you are investing in eg RHB Income Fund, best to buy directly the mother fund so that won't kena 2x management fees.

Noted. Thanks.

How would u knw that they invest in Schroder Asian Income ? Which fund factsheet ru refering ?

https://www.fundsupermart.com.my/main/fundi...e-Fund-MYOSKAIF
https://www.fundsupermart.com.my/main/admin...eetMYOSKAIF.pdf
The Fund aims to provide income(in unit form) and capital growth over the medium to long term(3-10 years) by investing in one target fund, i.e. the Schroder Asian Income.

To cut your cost even further (platform fees), just buy using POEMS as there's no service charge, no platform fees.

That's what I am doing. Getting all the list of funds ready (that I want to buy) then port my FSM MY over to POEMS.

Another fund you might want to look at is First state global infrastructure. Majority is in the US. Highly resistant to interest rates hike and is like a REIT. Got this idea courtesy of xuzen

This post has been edited by Ramjade: Mar 8 2017, 09:58 PM

seems like fsm now offers FAST transfer from bank account dy

more over, given that fidelity global tech performs better than fidelity america and judging that tech will continue to boom in the future, not to mention that only fsm allows sgd 100 top up (vs poems and DD top up at eur 500 and sgd 500 respectively)

guess i will choose fsm instead of poems, need to play platform fee, but at least it suits the convenience of monthly small top up

is global tech a better choice vs diversified america? any idea about this? (I can only afford to choose one fund as I plan to do monthly topup and can't afford to top up both fund at the same time, unless my salary package increase )

This post has been edited by AIYH: Mar 9 2017, 08:38 PM

Will park in both. Cannot resist a fund which can beat the S&P500
Like our manulife here vs the Ta global tech. Ta global tech beat it. But because Manulife sucks, so my US allocation is in TA Global Tech.

The question is if you are going with full Fidelity global tech, how many % you want in your portfolio?

DD RSP only SGD100

This post has been edited by Ramjade: Mar 9 2017, 08:45 PM

actually in this case both as beat S&P 500 (although both fund lose to sp500 in terms of 3 years RRR), but still, the return in global tech far exceed its volatility compared to america

i use this fund as my us proxy allocation, even so, does purely in tech justify sacrificing the diversified sector in fidelity america? struggling a bit in this

Last time i consolidate my aladdin, titan, ta europe and ta global all into ta global, now it become 28% of my portfolio

after top up this month, once my cimb fast saver ready to log in, then i will transfer them to SG (either global tech or america)

DD do offer RSP, but unlike FSM, both poems and DD must use GIRO to RSP, and not sure about DD since they didnt provide much info but poems, you can only GIRO with DBS or POSB and need physical form and approval time about 1 month (similar to Direct Debit Authorization in Malaysia), very troublesome for me as I only have maybank and cimb

Even though poems' fidet america offer low top up, since global tech outperform america, if i opt for global tech, then become top up eur 500

Actually POEMS uses EPS not GIRO.

I also don't know lei. If choose Global tech, my America allocation will become 20% + 10% (global infrastructure). If I choose Fidelity amrica + global tech it will be 10% + 10% + 10%

Poems offered both GIRO and EPS

but still doesnt change the fact that poems only allow minimum top up of eur 500 (not sgd 500) for fidelity global tech, expensive to do top up

You can do Fidelity Global Tech via FSM then rest of the funds using POEMS. That way you only pay platform fees for 1 fund lo instead of many funds.

Tentatively, I will put both united hy and fidelity global to fsm, so that every month, i can switch sell from united hy to fidelity global (poems have switching fee of 0.5%)

If I have large enough paycheck to overcome poems minimum top up, then only i switch these

I only have these 2 funds in sg, other than that still in msia unless my paycheck increase

Why do you need united HY in FSM? Is it because the min topup is SGD100 vs POEMS at SGD500?

Btw, dasecret, POEMS have it's answer to FSM MAPS too but I still don't like their interface

This post has been edited by Ramjade: Mar 9 2017, 10:00 PM

That will not be much of a concern as i treat united hy as my fd, will normally be in bulk, if got lower of course is a plus but not a major concern

To prevent exchange fluctuation, I will put some money in there for my monthly ammo for fidelity ammo instead of every month TT MYR to SGD (who knows what will happen later when MYR continue depreciate) while maximizing that idle fund

What makes me choose fsm over poems for this is that in poems, if you switch to another fund, you will be charge 0.5% for every switch, while fsm dont charge this

Although minor, agree with you that fsm interface is much more smooth compared to poems

btw, whats poems equivalent to fsm maps? cant find in their website

This post has been edited by AIYH: Mar 9 2017, 10:16 PM

But for my MY counterpart United Asian HY Bond Fund, it looks like stuck at 1.95 Previously it was at 2.35%
Btw, POEMS big orange banner put switching is free. But on their fund page, they put switching fees. Don't know who to trust. Guess I will email customer service again.

SMART

This post has been edited by Ramjade: Mar 9 2017, 10:21 PM

You mean your return fluctuates around 1.95%? chill la, this is still a bond fund, not stock trading where it can go up few % within a day



How does 0.5% switching charge works?
Below is a table that illustrates the type of switches you can perform and its charges.

Switching Category Switching Charge

Same Fund House/ Same Group 0.50%

Different Fund House /Different Group 0.50%

Switch out from Money Market Fund Prevailing Sales Charge of Switch in fund



With the management fee, seems like smart and maps will be exactly the same dy it comes down to personal preference dy

Don't FSM kena charge extra for platform fees some more? Making it close to ~1% for MAPS?
Don't know. From what I understant, all switching will kena charge.

This one u need to ask dasecret since she used the service, from what i understand it dont, so it will be the same for both platforms

You mean poems?

Ya. Need to email them to clarify.

Took a quick look at the asset allocation strategy for aggressive growth - 30% in Singapore local sovereign bonds for FI exposure; totally no corporate; high yield; asian and global bond allocation; I don't really like lor
The remaining EQ exposure is 20% US; 20% europe; 20% emerging market; 10% commodity

FSM MAPS charges is 0.5% per annum net. No more plateform fees; that's why I say only 0.1% incremental and feel it's more worthwhile than doing it on my own