and don't tell anyone about it

It's a fixed price fund. Therefore, it looks like a capital guaranteed fund because when u sell, you will sell at what you have paid. Banks take it as collateral and grant OD/TL facilities of up to 100% of the face value (due to its fixed priced feature)

Having said that, in the financial terms, and financial literature, it is not a capital guarantee funds, at leaset the fund prospectus never mentioned it is capital guaranteed, nor it is an FD which guaranteed by PIDM.

luckily, for many here, some forummers visiting here don't do that.....
they shared what they knew......

Thanks for explaining....
in the end...is it capital protected in layman term?
how should I explain it to my children?

It looks like capital protected (bcos buy/sell at RM1) but it is actually not?...sound confusing....

Hi all, gt a newbie Question to ask boss-boss here.

Is CMF=cash management fund? <--cnt really get results from google. Maybe i poor in google skill.
The search results i get from FSM is just RHB CASH MANAGEMENT FUND 2. <-- Is this the 1 boss-boss skalian talk bout?
If yes, is there still any CMF around beside this? If this is CMF2, then what is CMF1?

Sorry if my Questions bother all bosses here.. hope some1 could spare a minute and answer my questions.
Thanks.

try this....for CMF 2
http://www.fundsupermart.com.my/main/faq/0...ent-Fund-2-9718

edited:......refer to next post by adele for CMF1 and CMF2

This post has been edited by MUM: Jan 12 2016, 05:31 PM

you can go to rhb ASSET MANAGEMENT website.

There is RHB CMF 1 and RHB CMF2

My Webpage

you can do your research as to what are the differences. both are money market funds though

I will try and trim down my equity exposure. Park more into bond funds. The rest to put as advance payment for my housing loan or OD account.

some would say that, one can get more ROI % if invest them in EQ

I wanted to park everything in FD but I am only doing my layman Anal-ysis about how the markets will perform this year. But what if I am wrong and the markets pick up in the 3Q or 4Q? Then I will miss out on all the potential gains.

So I think a ratio of 50/50 in equity/bond funds is still acceptable. My current bond fund exposure is very low.

Your statement brought a smile to my face.

It reminds me of aunties buying fish at the market. One aunty managed to buy a fish at a cheap price. The other aunties will crowd around her and say "Wah, your fish is so fresh and cheap. From which stall did you buy it from ah?

They didn't mentioned anything about capital guaranteed (no b&w). However it's the closest thing to capital guaranteed they can give you without the b&w.

Sorry if the ASX thread have been poor quality. I feel I am part to be blamed for it. Also lots of new people never read page.
But ASX FP is as easy as ABC. There's also nothing much to talk about it.

ASX FP is kids playground where one will be safe. Not suitable for adults who want to take risk. But seriously FSM is one of the best way to increase one's returns if one is willing to lose some money and is DIY some more. No offense to anyone here.

But as I said before I believed ASX FP can only help one to even out the increasing cost of living. If one were to try outrun the increase in living cost, I believed one were have to dabble in stocks, UT.

This post has been edited by Ramjade: Jan 12 2016, 05:41 PM

Thanks to our government who wants to leverage on the people's money to prop up the share market but at the same time these people will not invest in anything that may lose money

Capital guaranteed is such a powerful term in behavioral finance; as soon as people hear that word, all logic goes out of the window

I am not sure what is the meaning of EQ you are referring to bro.

To me, all the forumers here have the IQ to become successful or are already successful investors. The fact that they invested in FSM, joined this forum and talk about asset allocation shows that they are on the right track.

Speaking for myself, most of the time it is an (Emotional Intelligence) EQ problem and not an IQ problem.

sorry...it is Equities....my mistake of not spell it out.

Actually I don't see what's wrong with that. What's wrong with people do not want to invest in anything that may lose money? There are some who invest fully in FDs. At least the people have alternative to FDs if they want "capital. guaranteed without the b&w" 6.X% is actually quite achievable no considering one can get 7-8% from dividends paid by stocks

Of course capital guaranteed is so powerful. Why else you think people put money in FD? Because the principal and returns are guaranteed unless of course if one exceed the limit for pidm, then it's not covered. Take maybank GIA. People rush to put it. When they found out principal and returns not guaranteed they straight away reject (real incident at maybank)

Btw if there is a fund which buy and sell at RM1/unit not from asnb with returns higher than ASX FP, I wouldn't mind withdrawing and buying that fund. Unfortunately, such fund do not exist in the world.

So please do state your reasons what's wrong with people investing in something which they won't lose their money. I would like to know what's wrong.

This post has been edited by Ramjade: Jan 12 2016, 06:07 PM

I am like the United Nations. I invest in everything in sight. So tak payah gaduh gaduh.

I taruh in FSM, ASM, EPF, endowment policy, SSPN, PRS.

MALAYSIA BOLEH.

This post has been edited by Vanguard 2015: Jan 12 2016, 06:14 PM

FP ASx vs FSM


This post has been edited by nexona88: Jan 12 2016, 06:15 PM

All those institutional funds are propping up the market artificially

EPF, ASN and all those bla bla bla...with their endless monies...are supporting the market, supporting weak companies...

It's not healthy. A healthy economy should be competitive, weak ones should be allowed to die.

wooih!! don't leh...not yet leh...don't let it die yet leh...
I just go heavy into that economy and are planning to to stay till next year.