1. FSM MANA ADA CARRY Affin Hwang PUNYA BOND FUND???
2. FSM that stupid? When u switch from A equity fund to A bond fund, yeah u earn credit points. But when u switch from A bond fund to B bond fund, yeah no SC, but credit u earn from A can be used for B meh?

Affin Hwang Equity Fund => Affin Hwang Bond Fund ...you get credit points

Affin Hwang Bond Fund => Kenanga Bond ....0% sc

Kenanga Bond => Kenanga Equity Fund...need to pay SC?

This post has been edited by T231H: Dec 22 2015, 02:44 PM

Bro, I have done this a few hundred times. I have now close to 200,000 unutilised credit points.

FSM has the Affin Hwang Bond Fund.

Do not challenge the master of credit points.

Topped up ponzi 2.0 for 4 consecutive days.

May the force be with ponzi 2!

No need to pay SC. You are automatically using the credit points which you obtained in the first place when you switched from the Affin Hwang Equity Fund into the Affin Hwang Bond Fund.

I find it hard to resist...

nia singh ah

Oh ya hor, Affin and Hwang dah merge, from former Hwang fund can switch to former Affin fund

I try
Kalau aku kena SC, aku slap engkau

This post has been edited by Pink Spider: Dec 22 2015, 02:52 PM

that is just me....
may not be suitable or liked by others..

You should just try it once...it is hard to resist...like vape?

but hor

If I do that...my excel worksheet suddenly got 2 new funds (Affin Bond and Kenanga Bond)

BEFORE you press the button for the final transaction, it will show whether you are charged SC or not. If the screen shows that you are being charged SC, then just ABANDON the transaction lor.

But the whole INTER-SWITCH to INTRA FUND transaction using my method will take at least 10 days. Unless you are in rush. In this case, once you have performed the Affin Equity Fund to Affin Bond Fund switch, just use your CMF to buy the Kenanga Bond Fund for switching into Kenanga Equity Fund. Don't wait to switch the Affin Bond Fund into Kenanga Bond.

After that, in a few days time, just sell back your Affin Bond Fund into CMF.

P/S: If you are transacting RM10K and above, you can save at least a few hundred RM.

I have a very simple theory, but I'm not sure if you'd agree.

The shariah compliance list is very short. The generally prohibited sectors include

1. Alcohol
2. Casinos
3. Restaurants
4. Broadcasting
5. Cable / Satellite
6. Entertainment
7. Tobacco
8. Conventional banking
9. Insurance
10. Real estate

So the only major areas left are O&G, plantations, pharma, FMCG. From the malaysian perspective, this is very apparent as 2014-2015 has turned out to be severely disappointing for all local shariah compliant funds.

Most of these funds are invested in the O&G and plantation/commodity sectors, which have tanked in value. In the preceding 3-4 years, it was magnificent as an over-weighted O&G sector was soaring.

On a grander scale, this is what we call concentration risk. If you're right, you're a star, if you're wrong you burn.

With that being said, its quite unfair to be expecting a single fund to be performing when all the others seem to be.

Apa excel sheet? No point talking to a layman like me about how your IRR or XIRR will be affected.

kau ni...

I think in real life u must be a real kedekut miser kiamsiap guy, kira sampai rumput pun mati

Thanks for the tip.... you are right.... doesn't look like it's happening ler. Luckily KGF still going strong, else my employer PRS also kaboom liao

good analysis and insights....but hor....there are some very impressive syariah funds too when compared with Aberdeen

This post has been edited by T231H: Dec 22 2015, 03:11 PM


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KGF mandate allows it to invest anywhere in the entire KLSE. They are bottom up stock pickers, running what they call a bar-bell strategy. 50% growth stocks 50% dividend yield stocks.

If you like Ms. Lee's style you should look into KAPTRF and the new KATRF.

Salah, salah, salah. In real life, I am one of the most generous person you will ever know.

why u talk like a veteran

Yup, sudah dapat.... a bit less than last year. But grateful at least got bonus la.... Told myself to set aside at least 50% as savings la. Will be even tougher next year liao

just checked....
i had credit points earned...BUT not thru CIMB transactions....
i bought into Ponzi 2.0 last week using cash IBG...FSM charge me 1%sc.
i think credits points to be used must be earned from that FH to be eligible....
unless i am just kena conned another 1%


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