My 2 cents view. Obviously in bad times like this FSM need to drum up business. Even the fund managers need fresh money from investors to buy more shares selling at attractive price now.

If the funds are fully invested now with minimum cash holding or if the investors are redeeming their money, then jialat. What can the fund managers do? Hold and hope that the storm will past?

I wish I have sufficient ammo to do VA every month. Alas, I am not a money printing machine. Therefore the next best thing is to do quarterly VA.

I require a huge capital layout to do VA in April 2016. If any forumers here are prepared to give me a friendly loan, please let me know. 

I mean to say Ponzi 2.0, sorry for the typo. I think Ponzi 1.0 still suxs and hence not holding any of it.

My Ponzi 2.0 is now negative 9.2% ROI cumulatively.

Xuzen

I've stayed invested in fsm for close to 5 years. But it seems to be giving a lower return than FD so far. Maybe I always buy in at wrong time. My last major buying was during the 0.5% sc discount. Doubled my portfolio, within days everything dropped

nola how can haha...he did it out of kind heart also. nobody can predict market kot. but my last regret is that during the last 0.5% SC a week back, I doubled my portfolio, within days BOM, all crashed, if top up few days later instead, even better.

Yes and no and a gamble is not a calculated risk anyway how is this a calculated risk when track records mean nothing? if you invest in individual stock you can examine a lot of fundamentals, visit the business for a first-hand view, talk to the employees etc. That makes it a calculated risk. What is it about a mutual fund that makes it a calculated risk? there are no fundamentals to examine, it's just like saying, this jockey has a good track record, so I will bet on the horses that this jockey rides. That is gambling so how can this not be gambling?

I am a government servant in healthcare sector, job pretty much secured. Only in my mid twenties so I am planning to hold it for say 5-7 years and see how it goes. Thanks a lot for your input! Will continue to learn from discussions here

aiyo.. EMPLOYEE'S contribution to EPF lar, ie. cash in pocket, not pumped into EPF
Gov contribution pulak... 
Gov contribute to EPF meh,other than as Employer?

any idea where is the "Better" if not "Best" region or country to shift to if you got rid of BIG Cap?

er.. not that leh
that 3% "cut" is NOT Employer's contribution to EPF
it's our contribution from our salary
Thus, cash salary gets more $ since not going into EPF (3%)
Kapeesh?

I don't think there is. Maybe you can suggest to FSM to create a BM version. But still, it will be difficult for your friend to do DIY investment coz most of the articles are in English. Even fund fact sheet and annual report also in English

Asw or asm. What difference does it make as they generally give the same returns of 6.x%/p.a?

7 years can?
For asw2020
2009 - 7.00
2010 - 6.30
2011 - 6.50
2012 - 6.60
2013 - 6.70
2014 - 6.60
2015 - 6.40

For ASM
2009 - 6.25
2010 - 6.30
2011 - 6.38
2012 - 6.80
2013 - 6.50
2014 - 6.60
2015 - 6.60

About not being able to buy back, yeah that is a real problem. However one can keep trying for 3 days straight. Sure masuk by 3rd day. Have never experienced really sold out. The amount I try is always ~rm5k and so far my success rate of buying is 100%.

FSM said asia pacific still optimistic. but last half a year my Asia Pac funds keep going down and down. temporary volatility?