Msian no need serve NS so 7 years I think you are still not over 30. I hate to use age as argument as it will lead to another topic but just to inform I am in investing 20+ years and reaching 50 soon.

Ok back to topic you are of cuz entitled to your view but when you keep saying you choose X confirm lose monies is purely your point of view and experience. It does not mean everyone is losing monies.

How about I tell you poems for some investment you are losing monies over a long term horizon due to frequent trading? Contra, short sell are common strategies there for a lot investors. I view those close to casino play.

Also in Spore we have this CPF equivalent to your Msia EPF which we cannot withdraw all at age 55 which is why for FSM most of my trades are for CPF which I attach a screenshot in my earlier post. I have cash trade elsewhere which I did not reveal as this is a FSM Spore thread so I want to stick to topic.

You are welcome to post your opinion confirm lose monies etc as this is a forum for all but I feel I need to speak out and let other readers read both sides of the story and form their own opinion whether confirm lose monies is valid based on your argument.

Lastly I will continue to share fund related info in this FSM Spore thread unless admin feel I am violating forum rules. I will also try not to talk about other investment platform as a sign of respect to this thread that is dedicated to FSM Spore.

I am not sure what you mean by dead capital market? Assume we talk about FSM Spore I have noticed the number of funds offered are much more. We have 0% sales charge and most recent min 100 initial investment etc. I notice some FSM Msia funds are feeder to fund A and this fund A here in FSM Spore we can buy direct no need go through feeder fund.

This can explain why SA is a hit with Msian as FSM Msia maybe lacking options to investors. Long long time ago it is the same with FSM Spore back in 2000 but it improves the selection along the years.

MYR inflation quite high so long term profits in Msia can be eroded abit. Just think my times is SGD to 2+ MYR and now is 3 MYR. This mean if invest in MYR denominated funds many years your later returns is lesser when you withdraw and turn to cash.

So using the same reason I am investing in RMB denominated funds in recent times.

A follow-up to previous post. Some funds from fund houses are split into two or three or more funds but actually they are all the same with the same fund factsheet. The difference is the fund currency. I presume it is to attract investors from different countries? E.g a China and US investor will most likely have at their disposal RMB and USD funds respectively.

E.g
https://secure.fundsupermart.com/fsm/funds/...ties-AM-Dis-USD
Global-Intelligent-Cities-AM-Dis-USD
annual mgmt charge: 1.65%
min. initial: 1000 USD
min. subsequent: 100 USD
min. holding: 1000 USD

https://secure.fundsupermart.com/fsm/funds/...s-AM-Dis-H2-RMB
Global-Intelligent-Cities-AM-Dis-H2-RMB
annual mgmt charge: 1.65%
min. initial: 1000 CNH
min. subsequent: 100 CNH
min. holding: 1000 CNH

Assume we would like to invest in this fund but yet we are a bit worried if it is a wise investment correct? Then it is just simply find your currency that is the "cheapest" to test water. I am using SGD so obviously I will go for the Global-Intelligent-Cities-AM-Dis-H2-RMB fund since CNH 1000 is about SGD 225.66 vs USD 1000 is about SGD 1437.66.

But long time ago another investor told me the currency exchange after some years down the road (assume we intend to hold the fund long term) play a part in your returns. And especially so when you intend to convert back to your SGD. This actually is a reason why he would opt for the USD version instead of RMB version. That was maybe 20+ years ago?

Hmmm... I cannot predict future but if I have followed his advice from 1 USD get 1.8+ SGD to now 1.3+ means I actually get lesser SGD? Looking at now 2021 and beyond I think I have more CNH may perhaps be wiser.

The 2 url I posted above are not hedged. If the fund has currency hedged, it usually will be reflected in the fund name as XXX-H or XXX (hedged) for e.g Yes thanks for sharing will look into it.

Actually some of the fund post I made is actually applicable to FSM Msia (it is generic) also. Just imagine a fund is XXX-SGD and then same fund XXX-MYR and the same scenario I post earlier can be applied. For this case it is SGD,MYR which should one invest? Obviously MYR as it is "cheaper" but then note what the other investor told me years down the road. For SGD,MYR case I may attempt invest SGD instead as I think many years later 1 SGD is going to be much more than the current 3 MYR. I come from the times 1 SGD to 1.8+ MYR to now 3+ MYR. But future is hard to predict so investor need to do some research on their own.