Not all VP have exit fees. Also if you buy from FSM/eunittrust, entry fees only 2%. Sometimes can get 1%/0.57%/0% besides what is 2% if you are holding for 3 years +? Unless you buy from agent then ya la. Straight up lose 5%+

Management fees is already calculated in the NAV. You won't see it. Besides experience from holding ASG, I don't see them deducting management fees (management fees is already calculated in the NAV - learn that after being told off). But for me, as long as don't see, who cares. If see only heart sick.

Again like I said there are some free funds like RHB Islamic Bond Fund. Even though you pay management fees (calculated in the NAV already), but you still get 7.x% every year. The only downside is not liquid enough for me with exit fees if don't hold for 1 year. Btw, I dont put any money in RHB islamic bond fund.

I am a cheapskate guy too. ASX FP is my FD as is liquid. I already transferred 75% of my FD into ASX FP. No point holding FD when FD rates dropping like a rock and need to keep running to the bank every yewr. No UT in the market can offer me that acceptable return with that high liquidity. That's why I still hold despite I can get 7.x% there are ways to get UT at 0% SC (buy from eunittrust whenever they have 0% promo).

All UT sold in malaysia practice forward pricing. You won't know today's pricing until the next day. You can see the price at fund house website https://www.kenangainvestors.com.my/KIB/KIB...idual/Home.aspx or see it the next day via FSM/eunittrust.

This post has been edited by Ramjade: Oct 13 2016, 09:37 PM

Yes. FSM is fund super mart.

RHB islamic bond = invest in bond which furfilled islamic priniciples. Same like maybank eGIA-i. Open to all. Islamic here is just islamic principle.

I would never buy ASG anymore again. Already diverted my ASG into ASX FP.

Sure or not? Can withdraw any amount during office hours. Money available on the spot. Want 6 digit also no problem as long as got bank account.

Any UT can match that? Yeah not as liquid as eGIA-i as not available on weekends but it is as liquid as FDs. For FDs you still need to visit banks.

Yes. That's why I keep about 100-150 units left inside there.

If your money >rm30-50k, how to uplift transfer it out online? Still need to visit bank

Car break down?