lai lai any fund recommend..

In 2014, M'sia funds esp KGF was the darling.... then China funds became the de'rigeur in Q2 to Q3 in 2015, then it tumbled. Thereafter GTF become the new darling as USD/MYR forex was in USD's favour.

Now that the reverse of USD/MYR forex has occurred, GTF is no longer the darling, and M'sia exposed UTF become the de'rigeur once again esp KGF. A full cycle has come.

The world market is very fickle minded, that is the truth and nothing can change that fact.

That is why, it is useless to time the market or chase after it. It is very energy zapping. Just hold a diversified portfolio where the calculated rewards >> the risk and over time, you should be fine.

The term reward refers to Yield or ROI and Risk refers to Standard Deviation.

Xuzen

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?

RHB ATR has not been doing well since the start of the year wor
http://www.fundsupermart.com.my/main/fundi...n-Fund-MYRHBATR

YTD -7% for a bond fund.... sure ka? and volatility of 8.59

Don't get me wrong, I have that fund also. Just that I would not recommend it to be the only bond fund in the portfolio

But that one need every month buy de...

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.

GTF is made up of three main market: US, Eurozone & Japan.

What happened in 2HYr2015 is due to the oversold scenario of MYR. This means that MYR weaken against all or most currencies and that is why during that period, any foreign exposed UTF also gained. If only USD weakness alone, we would not see a repeat of this scenario.

Your proposed strategy is not going to work.

Xuzen

GTF is made up of three main market: US, Eurozone & Japan.

What happened in 2HYr2015 is due to the oversold scenario of MYR. This means that MYR weaken against all or most currencies and that is why during that period, any foreign exposed UTF also gained. If only USD weakness alone, we would not see a repeat of this scenario.

Your proposed strategy is not going to work.

Xuzen

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

There will also hv other charges beside the annual mgmt fees. Ex... trustee fees. See the fund prospectus for more info.
To me, these fees r too minimal for concern....as it had been reflected in the nav.....
The funds frequent changing of stocks holding will incurred more cost...n the skill of fund selection n luck in the mkts timing will be my concern

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

What's the best benefits in terms of return if we put money in RHB Cash Management Fund 2 or shall we direct GIRO to our account instead?

Assume GIRO in our saving account getting normal interest rate.

Cybermaster,

You told us that your NAV dropped and you have been in the UTF  market for one year thereabout.

Please note that in Q1-Y2016, all indices were affected. Not one was spared. So no matter where you put your money, it would have wiped out your gain in that one year.

That is the nature of investing and time and time again investment professionals and gurus always say that investment gain is due to the "time spent in the market" and not timing the market.

For example, for those who invested since 2013, their NAV should hold up quite well.

If I were to be able to peek at WMK's portfolio whom has been investing in UTF > 10 years, I am sure his NAV is still very much positive right? Paging WMK!

Xuzen

I think Mr Ramjade will do this  when he read tis....

It was on the Maybank onsite. The terms are:-

(1)  Minimum deposit of RM10K. Lock in 12 months.
(2)  E-deposit only. Meaning for Maybank 2U customers only.
(3)  Promotion ends 30th April 2016 or when the fund is full, whichever comes first.

So, if you are a Maybank2U customer, just try e-deposit online and see if the promotion is still on?

So, let's say I put RM100 as initial for one of the funds provided by FSM, what is my return rate of any trust in within 5 years to 10 years?

sorry...I cannot confirm as I don't do serious maths.
I just calculate
(current NAV x current unit available) - invested value, to get the profit or lost value in RM
than if I want % I do another simple maths cal.

yes, it can works in any investment.....just that you are not sure how efficient is your investment.
ex,..a quick glance the ROI (previous calculation) can gives you a very high ROI of lets say.....100%...but it is just part of the story.....for one does not know how long had the investment be......if that 100% ROI is 2 years or 50 years.....the IRR will tell you which one is more efficient (based on historical returns)...

Bro, so with the declining in Ponzi 2 performance. Has some of the guys here change to other fund already?

Haven't lurk around here in awhile. Hoping to get some update on some fund changes people make around here.

Ponzi 2.0? Apa itu Ponzi 2.0..... ? Two mths ago forget liao lor.

Xuzen