That, more or less is what I actually understand about wealth planners/financial advisors, its just that a previous post kinda got me confused between advisory fee and fund management fee. Thanks for the explanation!

Eh, I can't remember what I said. 😃 All I know is when there is a storm and there is nowhere to run, sometimes the best solution is to do nothing and to ride it out. 😅

I dont know, apparently some do and some dont charge advisory fees(based on what ppl say in previous posts).
It depends on what we understand about wealth planners/financial planner.

I view them as separate from fund managers. Thus, having said that, I guess it is to my understanding that a financial planner imposes advisory fee (they don't charge AUM fees as they don't take clients' money and invest for them) while a fund manager imposes AUM fee (take their money and invest for them).

Is this correct?

I was about to say how come mr steady suddenly macam not so steady.
Anyway, the difference between monthly recommended funds and recommended fund list updated annually is - they look at the timing. Usually when FSM thinks there's upside in the near future they would put it in monthly recommended fund. That's my limited observation la

Always take xuxen's advises with a pinch of salt and not blindly copy his portfolio. if that's the case everyone will be buying what he buys.

I made that mistake when I blindly jumped into ponzi 2.0. learnt my lesson.

May I know which Eastspring fund you disposed?

Pink always said must have emerging region exposure.

Time to replace out CIMB ASIA PAC and Abeerdeen? But with what?

The best way to avoid the mistake is quit investing.

Statistics. Standard Deviation. Chance. Percentage. Normal Curve. Probability table.
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Moral of the story is, don't get overboard with statistics. There are two kinds of lies: statistics and lies.

I always wait for income distribution to buy more because it allows me to pull down my average buying cost.

Is my strategy correct? I do pump in a monthly amount but I will wait until after ex-distribution to pump in even more.

Thanks for any input.

is your calculation of average cost is by total number of units on hand divided by the total amount paid?

......
The 2nd one: It is a non answer and a red herring... If we solely looks at the price and average cost of the units, it is looking directly at the NAV price to determine the decision to buy or not - which we should NOT. This would be the same as comparing 2 different funds, and determine which fund to select based on the lower NAV price.
.........

May I ask for recommendation for the top 3 best performing bond funds in FSM? I was not able to find out from uncle Google :-(

top 3 best performing bond funds in FSM....for how long is the duration?
in months or years?

you can seek them out thru the use tools of from the FSM MY site......FUNDS INFO/FUND SELECTOR/
https://www.fundsupermart.com.my/main/fundi...erateTable.svdo

sorry, I am not sure what Vanguard Life strategy is but if you want something like the attached image....
can try FSM MY site....
click on RESEARCH, then RECOMMENDED PORTFOLIOS......

Vanguard LFS has different tiers from 100 down to 20 (being the % in equities, the remainder bonds) mostly developed and small amount of EM

To replicate this through FSM would probably need Global Titans for developed markets, Eastspring GEMF for EM, then a bond fund

lol.. my fund is still at negative territory. haha, but the good thing is now it's only a mere 1.33% loss for my titan.

have to do another DCA this month.

any outlook for titan fund?

sit tight and ride the waves because sooner or later, it will go down~

Let’s say the shop sells this 1 particular pizza, 6 inch. They usually cut it into 4 pieces and you buy 2 pieces @ RM0.80 per piece. Then on a separate day, they still sell this same 1 pizza, 6 inch. But they cut it into 8 pieces and you have to buy 4 pieces @ RM0.40 per piece so that you have the same amount of food.
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I repeat using different numbers, what is the difference of holding 1000 units of RM0.80 and 1600 units of RM0.50 when the money value is what you get eventually?

1 week of my ROI gains lost all in 1 day. 

What are you using to track global equities?

Switched from Europe fund to TA Global Technology Fund on 28 June, currently Tech Fund giving +3%. woot Thank you US!

yea, u're right. around 1.5-2% if iirc. i rmber switching out half of it, when it was -2%. now still -0.x%.