Haha I will bug you all for advice once I got a draft of my portfolio. BTW, FSM SG website is far more "user friendly" than Phillip UT website (I mean POEMS SG website is good but once I go into POEMS UT specific website, its so ugly) 

Depending on your portfolio construction, how much money you have for investment and how are you going to invest.

You might want to start to plan one before attempting to find the funds

for US/global exposure, you may consider fidelity america (diversified) or fidelity global tech (technology only)

they also have some good asia pac small cap (like HGIF asia pac small cap) and also some good europe and japan fund, I have not much research on that, but once you do, do share with us

for bond fund, united asian high yield fund offer decent return for its risk

Yeah in fact right now I am looking at FSM SG recommendation then go to POEMS to check whether it exists there. Mind to share some highlights fund on your research?

Welcome to the semi hibernating club
I must admit I've not been a very good TS

If you read a few pages back, I talked about MAPS offered by FSM SG which is a quasi-roboadvisor product. I went for that for its simplicity and no research needed. But of course, not everyone like the idea of 0.5% fees per annum. But since I started on FSM SG, I've not done very  well managing the portfolio myself. Like you say, there's less peer support here compared to FSM MY. And I also spend relatively less time studying the super extensive list of funds available on FSM SG.

First state div advantage is the most popular fund on FSM Sg but it didn't do very well since I bought it, I think at last count my IRR is still <5%. My best performing fund is Fidelity US fund.

Anyway, my FSM SG investment is smaller than FSM My portfolio and unlikely to grow much. So the time taken to monitor really does not commensurate the effort needed. Hence I went for MAPS and so far it's doing well.

In your case, it's up to you to decide which is the way to go. I'll list down the pros n cons of MAPS

Pro
- no brainer, auto pilot
- might save you some tuition fees when starting out

Con
- minimum lump sum sgd5k which can be a bit high for some
- comes with a fee of 0.5% per annum. But I'm fussy that even free also I won't go for POEMS. So 0.4% vs 0.5% is really immaterial for the convenience

I know, not a very good accountant. Free still want to nitpick and rather pay

Basically you just need to determine your risk profile using a questionnaire and pay the lump sum or RSP amount and they will determine a portfolio within your risk profile, do all the buying for you and periodically switch for you. You get to see the amount invested in each fund or ETF and its current market value. They will also produce a fact sheet periodically for you. Not sure how frequent but I don't think it's monthly.

They allocated my investment into 20 funds which I thought is a bit overkill. But it's something I won't be able to do on my own with just sgd5k. Most funds have higher minimum initial investment than what was in my MAPS. So I supposed that can be another pro

This kind of method won't give u the highest returns. But hopefully won't be the lowest as well

Woah I looked at MAPS and it seemed..."simple" and effortless for people like me.

Correct me if I am wrong, so for FSM SG I will be charged 0.1% per quarter for equity/bond fund plus 0.5% per annum if I use their MAPS service. POEMS 0% charge. FSM MY charge an extra 2% SC, this is where I got confused, why is FSM SG worse than FSM MY then since SG don't even incur SC?

By 5th year ONLY 2%...ever wonder what is the initial "% of lost" for each Eq Ut purchased?
Do you buy any EQ UTs?

I think he/she is hinting that......5 yrs only lost 2% whereelse for Eq fund one would lost min 2% already during each initial purchase....
If one is concern of 2% in 5 yrs......why one can buy eq uts.

You had mentioned before....direct stock or etf will reduce the losses...no need to pay for the mgmt fees n other fees

Does one need to hv access to all mkts to invest diversily?
Sgd2/mth can be saved by not using the car on 1 trip

Is that suppose to be a compliment or sarcasm?

Yes, in fact it feels like you buy UT like you buy stocks

I can't buy anything yet it seems, need call to activate account

from what you said, FSM SG is real terrible. platform fee of 0.4%p.a converted to RM, big amount already.

Do POEMS needs Singapore Bank Account too?

I also put some in RHB AIF as suggested by bro Xuzen. can sleep well every night.

Thanks.

for my Sg dollar, I would invest in Sg or ASX markets.

Had you considered this before?

HSBC Global Investment Funds – Asia ex Japan Equity Smaller Companies

Can share the data?

Lazy to dig out as limited internet here