Historical returns don't really mean much.

E.g. a fund launched at the peak of a bubble, fell 30%. But the market overall fell 40%. So, u cannot say that this fund is "bad". In fact, you should say this this fund is GOOD, because it managed to protect it's capital than the market at large.

Compare against benchmark
Compare against peers
See the potential of the market(s) in which the fund invests in

YTD is bad for most if not all funds.

the payment method FAQ can be seen here

http://www.fundsupermart.com.my/main/faq/0...nt-Methods-2409

you can use fpx to pay (you will be redirected to maybank2u page login)
or you can login to maybank2u and transfer direct to their mbb account

Maybank Account Name : IFAST CAPITAL SDN BHD – CLIENT TRUST ACCOUNT
Account Number : 5140 1100 3668

you can put in the contract no. or fsm account number in the transaction description . if you want to be sure, email them after you transfer

using mbb transfer is faster than transfer to their stanchart account

YTD = Year-To-Date

Don't look at short term

And sometimes, some funds will underperform, sometimes will outperform. Look long-term.

1) Today is only March therefore YTD = 3 mths only. Too darn short a period to assess any UTF.

2) UTF is medium term meaning 3 to 5 years time horizon. Look at 3 or 5 years annualized data to make better informed decision.

3) Personally I use 3 years annualized data to make my investment decision.

4) I use FPX to buy UTF. Very easy and convenient.

Xuzen

Sorry, the transaction description in maybank2u is called "recipient reference"  & "payment details"

for simplicity sake, just use FPX transfer and the transfer amount is auto key in for you.

or you can email the transfer receipt together with the the transaction email to fsm.

the two funds that you bolded are equity fund and not bond fund so their volatility is high and so is risk:

Ponzi 1.0 ---> Affin Hwang Select Asia (Ex Japan) Quantum Fund - Asia pacific small cap fund
Small-Cap Fund ---> Eastspring Investment Small-Cap Fund - msia small cap fund

yup for fpx, after the login page, you are allow to choose which bank account you want to use to pay, eg if you have multiple savings account or current account. the recipient details and amount is already key in and cannot be change in the page.

but if you fail fpx, you can to revert to pay using normal transfer. currently FSM still don't charge anything for the fpx yet.

normally what most of the ppl do is they park their money into RHB Cash Management Fund 2 , it's sort of like savings account, and from there they use it to top up or buy other funds. when you already have money in the RHB Cash Management Fund 2, there's option to pay using RHB Cash Management Fund 2 in FSM.

here are some screenshot for fpx transaction
[attachmentid=6257914]

you will be allow to choose bank account, and will be ask for TAC via sms
[attachmentid=6257919]

after you pay via fpx, this is the confirmation page from FSM
[attachmentid=6257921]

They do need to verify that you are a real person.

Btw, you can always cross your ic before sending it to 3rd party, if you haven't been doing it

Within 1 or 2 business day, one of the staff will call you to verify

Yes just a simple questionnaire.

you can call them

KGF outperform ASX FP everytime. Might want to look at that.

If me, just stick with the 5 recommended ones
KGF
Eastspring smallcap
Titans
Ponzi 2.0
Rhb Asian total return
Amprecious (optional if you want very fast returns - high volatility)

You are holding for 3-5 years.  If me, if it drop, just topup more. If it increase, you have 2 choice. Take profit, or just leave it and topup less.

Don't overspread or else returns could be diluted. You dont need a bond as a bond is to stabilise a portfolio by giving fix returns as you have ASX FP. Some might not agree but this will be the way I go.

If is me, I will just go for the 5 funds I listed with the weightage (includes topping up) as follow
KGF 25%
Eastspring 25%
Rhb 25%
Ponzi 2.0 12.5%
Titans12.5%

Right now is a good time to buy Titans (USD fall)

Do more research on each fund and check what kind of funds they are.  You're contradicting yourself
You mean predicting when is USD going to drop to the lowest?
I've replied to you before on how to start investing in more than 1 fund with rm1000. With rm1k, you can definitely invest in all 5 funds that Tun posted.

It doesn't say you can't terminate the contract after the first purchase right?

No need. You can buy once and topup when you have money. Don't want to topup also can.

i seriously lazy to reply, but i saw a troll replying, who probably hasn't been investing much himself answering your question, making me want to type some words.

actually the recommended funds that goes around this thread are very few. CIMB AP, CIMB global titans, KGF, EI small cap, to name a few. but i do like to point out that i do believe newcomers were hurt when they started chasing CIMB AP, Global titans... when china market was downed a lot, and now with the rising ringgit, probably loss has increased.

Personally if you starting small, try not to overspread your investment. In hindsight, i wish i sticked to my investment from day 1... 75% KGF... but that's hindsight. hindsight is always vision 20/20.

also... given the MYR volatility recently and it did climb up quite a bit... compared to say few months ago, then yes, it seems better now to invest in overseas fund. of course, nobody can predict the future, and if myr goes up even more later, you'll be like why didn't i wait... or if myr drop again, you'll be like, oh no, should have bought earlier... etc...

read some of the articles by FSM. concentrate on which geographical region you want to invest. then work around that. starting with malaysians fund would be easier in the sense that you do not have to worry about the exchange rate.

Btw, Eastspring Small Cap is just small cap fund. KGF invests in large cap and small cap funds. they are not the same category. but EI SC volatility will definitely be higher than KGF. For better comparison, may be better to compare EI my focus with KGF. Not sure about EI My focus, you can read it up on your own. should that it is not restricted to invest in small cap/blue chip...

That person who shall not be named who does not invest in UTF, is actually is an awesome investor in ASX FP. He will queue up to five days in a row to mop up float units from bank to bank. He will park his little Axia near the bank entrance at 8:00am and wait for the bank to open their door. Thereafter will rush to the ASNB counter and beli whatever units that are available.

On a separate note; ESISC is an awesome fund! However due to its high stan-dev, I cap my exposure to 1/3 of portfolio. It is still a considered a high exposure, but it is a calculated risk. KGF is a more selamba fund..... it will chug along just fine. Just don't rush her. She will come.... just don't rush her.

Xuzen

p/s
I have repeated this a few times. Malaysia market likes to play contrarian to global market. When global market is down like now, take a look at our local stock market! Going up, up and up! And the reverse shall happen. This is so predictable. Because of this, as an investors you are wise to keep locally exposed UTF and Global exposed UTF.

My GTF & Ponzi 2.0 drop is countered by the rise in ESISC and cushioned by the boring FI portion, namely Libra Asnita Bond. And, friends, this is how you should "play" UTF.

Try clear your browser cache and try again, seems fine from my side.

if you buy yesterday after 12pm and done payment via FPX, if not mistaken they will process your order by today, then around 8 or 11 your order will be completed

yeah cause you done the payment yesterday after 12pm, if the payment done before 12pm, it might able to complete by tomorrow.

as for the logging out issue maybe is the browser caching issue, have you tried clear all cache? or maybe other browser?

FYI they also have iOS and Android app, if you wanna have quick view of your holdings or fund price, might be a better choice.

Troubleshooting and Enquiries of

Q:  Having problems with account login?

Q:  I encounter problems when I try to log in. What should I do?

Q:  Whom do I contact if I need help?

http://www.fundsupermart.com.my/main/faq/2...-Enquiries-8771