I LOL-ed reading this line. Exactly my sentiments

The transaction will be priced following the price on the next business day.
However, the transaction will be under processing for about 4 working days then only it would be reflected in your holdings. So no worries, so far I never had issue with FSM pricing date

Price of the following day. 4 working days to reflect that in your unit trust holdings only, like processing time but price is set jor

I like your honesty

Well... what's your next course of action? Average down? Stop? Take out?

Don't know if I should feel flattered or insulted that FSM feels that women needs dedicated workshop tailor made for them

If your timeframe is only 6 months I'd definitely advise you against unit trust; in 6 months time if your investment is making -5% then what would you do? If you must get back the money the only way is to sell at a loss

Wow, what a drastic move

I'm actually thinking to dump Asian total return - main reason - the exposure to China corporate bond is 27% and 38% in financial services in terms of sector

I'm quite wary of the debt bubble in china....

Between the 3 funds my fav is Asian income but the fund it feeds into is not top notch also, but it's mixed assets including REITs, so it's more stable

Hmm.... facts vs perception
Actually I'm just parroting what the fund manager says .... http://www.fundsupermart.com.my/main/admin...eetMYRHBATR.pdf




But anyway, choice of funds and asset allocation is personal to a certain extend
Just expressing my surprise with the sudden move from a pure equity fund to pure bond fund albeit in the same geographical market

This post has been edited by dasecret: Apr 18 2016, 02:42 PM

https://www.imoney.my/articles/how-to-achie...our-30s-40s-50s

This is such a badly written piece... All the expected returns plug from sky. How to consistent achieve 10% returns from fixed income and 22% returns from global funds. And I blame CIMB Principal since the article is written in partnership with them

The only good about the article is the infographic, which I wish FSM can do more *to the FSM staff who is lurking here *

At the end of the day, all this info out there is to serve their own 'purposes'

So boss, any better source of neutral and reliable information that is well written and easy to digest? Can't stomach some of the analyst reports which eventually doesn't say anything. Not many people are willing to stick their necks out these days... in all aspects really

Well, I was hoping to read something that helps on asset allocation because I believe that every now and then it has to be updated based on the directions of the market n growth potential
To me everyone who's more experienced n pron ably more invested than me is boss lor 😁
I just wish Malaysia move faster in this aspect so that ppl are less dependent on quasi 'guaranteed' investments like EPF, ASx funds n tabung haji

The more retail investors know the higher quality they would demand and therefore market forces would develope better n more competitive products

Wow, that's a drastic move

What's your plan after this? Get a UT consultant or shy away from unit trust from now on?

What other form would you recommend at the moment? Properties in Msia is really slooow at the moment

Management fee is charged by the fund management company for deciding and executing the investment strategy, so yes, have to pay, the NAV is already net of management fee so you won't see a separate charge
There is also trustee fees for trustee holding the investment and executing the buy/sell instructions coming from fund managers. Deducted from NAV daily also
There are other expenses too. So one of the measure to compare would be to look at AER (Annual expense ratio) to gauge.

As for holding fee, FSM call that platform fee. For FSM Malaysia, they charge for certain bond fund such as RHB Asian Total Return Funds; at 0.05% per annum

Personally these are secondary consideration; the first would be whether they can provide superior returns. If cannot deliver returns, free also no point

Too many funds
Almost all the popular funds mention here also I have... definitely not a good example

Yes, for FSM MY at the moment, holding does not cost you anything. But FSM singapore charges platform fee for equity funds as well. So in the future, who knows

Well, the annual management charge is to pay salary of the fund managers la. You want them to work for free? By the way, your beloved ASx fixed price funds also charges management fees and trustee fees as well, just that the AER is lower as the fund size is really huge compared to variable price UTs

So what allocation ratio are you revising towards?

I was going to switch sell GEYF to RHB Islamic Bond at 2.50pm just now. Then arrive at the page that notified me that switching to bond fund also cost me RM25

Then I hesitated and did not proceed with the transaction. Since you are the expert in switching, what are my other options? Sell to CMF and buy islamic bond?

RHB Global Equity Yield Fund, not popular anymore

I'm holding a lot of cash, like 20% over the portfolio... now IRR lagging because of that but better than suffer losses I guess

Oops, not my intention to cause panic here. I've held GEYF for a while and its performance is just lackluster. So wanted to jump ship and put it into GTF la. Not exiting yet. But this RHB switching charges is quite annoying

Sudah bought it long long time ago la, now looking for a way to optimise it lor. Maybe the solution is just sell it outright which is what I did before

I'm a fan of RHB Islamic Bond wor.... What's the edge for Asnita over RHB islamic bond?