Sorry I am just a layman investor bro. No time and expertise to track IRR...

Sold down 1/2 of my holdings today in Ponzi 2. Started investing in a 'junk bond' fund last week; made 1.25% profit in one week.

May diversify later into REIT and gold fund. Currently heavily loaded in Libra Asnita Bond Fund. My alternative investment fund is still making losses; should be ripe for harvesting in 4Q.

EISC and KGF still steady; profits at 19.54% and 12.25%.

6. A reduction in exposure to the Asian bond and Asian High Yield segments in ones fixed income allocation could be appropriate at this juncture, with our preference for the exposure to be allocated to the short duration segment.

I invested a huge chunk in this fund with an agent at peak (0.69) before I knew bt fsm. I think it's more or less -25% now I don't know, I don't dare see >.<

https://www.fundsupermart.com.my/main/resea...tormaincode=All

list is out.. interesting picks.

Yes still ok with the agent, can't really hold agents responsible for a bad fund right? it looked good at that time.
yeah.. about female forumer.. why is that? does that mean there aren't many female investors?

for fsm, i think i'm doing okay since then, i never throw any huge chunk anymore, I DCA alot. Learnt alot from fellow forumers. 

maybe I'm unlucky, the very few agents (pm, pacific, hwang) whom I've met never mention anything about setting up a portfolio (how can? I think this is the most important part!) or help me understand how the market works. Mostly just say this fund good, buy. that fund good, buy. I had 0 knowledge about funds then so I just buy whatever lah and we all know how that turn out. so.. that was a few years ago.

now i'm slowly building up a portfolio in fsm buying a few of the more popular funds and do DCA and understand abit more along the way. I think as long as you top up every once in a while, chances of getting heart attack is very low?

Don't know anyone who'd still prefer to buy from agents after they knew about fsm. That's 2% sales charges vs 5.5% not to mention the convenience with fsm. just wish i had known about this platform sooner - found by googling, joined Mar 2015.

u generated this chart from FSM website? or u do your own?

Just because they are popular doesn't mean they are the right choice of funds.

just cautioning you to be wary of what you are getting. though i have to admit my list of funds do consist of the popular funds.

Fund	IRR	ROI	% of Portfolio
Kenanga Growth Fund	4.68%	8.87	35.64%
Aberdeen World Equity	4.21%	7.17%	22.55%
CIMB AP Dynamic	5.20%	8.73%	23.90%
Manulife India	1.96%	2.61%	7.2%
EI Asia ex-Japan Target	0.16%	0.23%	4.69%
RHB Asian Total Return Fund	12.46%	17.22%	6.03%
Portfolio	4.69%	8.00%	100%

as at 14/07/2016

I thought sales charges will be chargwd only when buying? Selling does not incur any charges? 

i did it few times already, no need nego skill. just email to them will do. 1 month grace period from the transaction date of sale of your pm fund. just email to them and the system will automatically set to 0% for a month except affinhwang's fund.

wow, knew this since more than 3 years ago when join FSM and done that. Was a topic of discussion in our forum for several times since then.

bbgoat somebody say your PM fund not good wo.

Ignore that guy who acted like a troll ! Most of the time I ignore him and when necessary bash him. Just a troll.

Each has their own opinion. The PM fund depends on what u buy and when u buy it. 

Thanks. I was reading some user can transfer from Public Mutual to FSM and I thought I can do the same for M2U.

I'm so happy, I'm sooooooo happy... at long last, a website that can compare apple to apple; orange to orange insurance product. No need to ask quotation from various agents to hunt for the best deal! Yay!
     
   
I  FSM Insurance!

Xuzen

Just to share:
i just poked around in there for my personal death & accident term insurance options.

Tokio Marine Life's U for Life is still "more bang for buck" compared to the listed annual cost - like for like coverage (term 5 years & term 10 years; 500,000). Urgh.. was hoping to reduce my cost further

Note - i took total 5 years' & 10 years' premium cost to compare as some term insurance increases yearly or 5/10 years.

er.. i chose the stated "Term" as opposed to "Health" insurance on the platform.
not term meh?

Need to study and compare. Lol. Anyway, since wong sifu already did a quick comparison, guess uforlife may still offer term life at a lower cost. Note that fsm is still representing the insurance companies only 3 for now, they will get commission, what fsm is saying is, they take less commission.

Term life on fsm is those with level premium. Yes in the case of uforlife it increases every year and chances are they may revise the rates if the insurance companies's experience is not ideal. Chances are these rates don't get revised often. Professional opinion...

Part of bank negara initiative in the next 2-3 years is to make insurance companies offer insurance product without intermediary hence lowering the cost of purchasing insurance.