Just a PoV-sharing - hope U guys/gals don't face this:

hm.. FSM now does not allow third-party bank-in for investments
ie i invest for myself, my sister & wife
when i buy for my sister or wife, THEY have to transfer $ online from their account
unlike now where i do everything.

jialat lor - my sis is like "anti" banking-online one. Back to Public Mutual.. sigh..
for my wife - i'll have to transfer $ to her a/c, then she to FSM.. urgh