You can't blame especially for newbie in bond investment.

As for the last few years, thanks to massive QE and zero interest rate around the globe, bond or most bond funds were performing magnificiently (even up to now), a return of pa more than 7~9% became like norm, which attract people attention.

But in ordinary day, bond funds shouldn't have this kind of high return rate, and expectation of bond fund return should be around their invested bond coupon yield.

I quite agree on assessment on the issue using EPF for UT.
You opt UT, the intention is to chase more return like equities fund.
If bond fund is similar or not much vary from EPF dividend rate, it doesn't make much sense already, as EPF got principal and return guaranteed, while UT is not.
Take more risk should expect more return.

I am too lazy to buy through conventional channel. Used to FSM 'one click' centre.

Anyway, my wife's portfolio is about 5% ROI. Nothing to shout about but that is the price I pay for "capital" protected or low volatility portfolio.

This post has been edited by Vanguard 2015: Oct 21 2016, 04:08 PM

possible more traffic in here liao...yahoooo...
Budget 2017 highlights
"Tax relief is extended to include purchase of printed newspapers, smartphones and tablets, internet subscriptions and gym membership fees."
http://www.thestar.com.my/news/nation/2016...017-highlights/

Be careful with forex. Can wipe you out anytime if you on the wrong side of the trade and financial earthquake happened like CHF in Jan 2015 and GBP recently. A friend told me his friend made 40% during a GBP sudden drop 1-2 weeks ago. Someone just lost 40% on the other side.

Buy PRS now got incentive RM1000~
Those bought earlier dui sam hou(tumbuk dada) anot?

The increased incentive is effective from 2017 eh

I think those who claim before can't claim dy

Lucky I still can wait for next year early jan

I came here to say this and you were the first to post this hahaha...anyways I canceled off my pru saver account with prudential and I will start channeling the fund to Prs fsm starting January to get the Prs tax relief AND myr 1000.

I have Affin PRS. Can I switch to Kenanga PRS?

Q: Can I transfer my existing PRS holding to another PRS providers?

A: Yes. you can transfer your PRS holding to another PRS providers.
However, the transfer only can be done after one year from the first subscription date. You will need to pay for PPA transfer fee of RM25 per request and others related transfer fee (if any).

https://www.fundsupermart.com.my/main/faq/1...me-PRS--8865#18

why change may I ask. since most Prs are almost similar based on their returns no?

Because Kenanga prs feeds into KGF and maybe he not satisfied with Affin?

This post has been edited by Ramjade: Oct 21 2016, 09:37 PM

Which bond fund would u choose ?

Rhb Islamic Bond
Affin Select Bond
Affin Selec Income

wouldn't that be a correlation when you have KGF in your portfolio?

rhb bond fund

non syariah complaint one

This post has been edited by Avangelice: Oct 21 2016, 09:38 PM

Yes. I m heavy in kgf.and Kenanga prs gives me better return

Can be done? Any sifu can let me knw

some would choose RHB...b'cos the other 2 cannot buy from FSM thus more SC and cannot see from FSM portfolio summary reports/analysis.

see post# 1916?
else call FSM CS to clarify the post# 1916

as I recall Prs funds is purchased under your name hence the paper work unlike your unit trusts which are under fsm. to change it you definitely need to fill in more forms for sure

The 2nd and 3rd were in FSM apps. Confused.

It is in FSM app, but you could no longer purchase both from FSM