My money is coming in late, at most of 1 week difference. Should I use my overdraft for maximum of 1 week ? Is 1 week interest on overdraft comparable with (2-0.57)% saving ?

I'm in the midst of choosing in between two new funds into my portfolio one is RHB Asian Income Fund and the other is AmAsia Pacific REITS Class B.

- RHB Asian Income Fund is at all time high now 0.6529, is it worth to invest now?
- From a history data, AmAsia Pacific REITS returns are damn good > 20% average.

Any opinions?

This is not getting from Along leh ! This is getting from the bank overdraft.

And absolutely risk free. The money is coming in for sure, it's just late ( could be just a couple of days, max of 1 week. )

Surely it can be calculated, right ?

My 2 cents worth...

Watch out for AmDynamic Bond's redemption fee :  Up to 1% of the NAV per unit. (Borne by Investor). Maybe can consider substituting with:-

1.  Libra Asnita Bond Fund and

2.  RHB Bond Fund or RHB Islamic Bond Fund (Redemption fee: Redeem on or before 1st year is 1.0% of the Repurchase Price per Unit; no redemption fee after the 1st year).

I asked before via clienthelp, they will calculated based on when you invest them.

Basically each unit you buy has a date to it.

Say 4th October you invest and acquire 1000 unit, these 1000 unit will have a "expiry" date at 4th October 2017, after that u can redeem without charge.

Then you invest again on 9th December and obtain 2000 unit,  these 2000 unit will have a "expiry" date at 9th December 2017, after that u can redeem without charge.

Same for subsequent investment which calculated based on investment date and distribution based on distribution date.

When u sell and redeem, FSM will auto calculate whether the amount you want to sell will incur ant charges or not.

They will follow first in first out principle

Using the above example, if you sell 1500 unit on 11th November 2017, your 1000 unit will not have redemption charge while the remaining 500 unit will have redemption charge

For starters i would say that is quite ambitious, 10% IRR for 3 years  
ie on average every year return 10% continuously for 3 years!!

FRANKFURT - Shares in Germany's biggest lender Deutsche Bank plummeted nearly 9% in Frankfurt early on Friday amid fears about its viability, dragging markets around the world down with it.
By 0725 GMT (2.25pm Bangkok time), its shares had shed 8.83% to €9.91 ($11.07), after news that a number of hedge funds had pulled money out of the German giant owing to concerns over its financial strength.
http://www.bangkokpost.com/news/world/1099...-9-in-frankfurt

Read the post and article and opened up my fsm app. Manulife india dropped by 2% more in one go.

http://www.bloomberg.com/news/articles/201...mps-in-pakistan

India fund , expect ~ 3% drop yest NAV..
Perhaps chance to top up abit...

Usually I top up I dun see external news..  I top up when the date comes. That's why didn't know bout this war escalated  this time..

Still wanna DCA kah?
for the trend maybe rising.....and you could be buying on HIGH Nav. 

Save the money,...buy on dips for lower Nav. 
but just how to know when to buy in?
set a target % from last month highest?

Provided you have the money to pump in upon forseeing such a trend.

But not everyone have that kind of money, like me who only rely on monthly allocated budget 

Therefore, I could only dca rsp with money I can afford in hope to smooth out the potential fluctuation 

It suppose to be, but normally when I perform fpx, the time I got from fsm order confirmation email, fpx transaction email and fsm payment receipt email are different.

In total they usually gap 1-2 hours, which kinda be a problem if I transact via fpx near the cut off time.

So I usually perform it early in the morning 

Sounds like you are quite sold on eGIA-i.

Have you considered using a bond fund such as libra anista for the purpose ? Historically 5-8% and also low volatility wor .....

Same like other funds, payment received beofre 3pm will transact today based on today's price

so your eGIA-i is like your emergency funds but at a better interest rate than saving account?

Yes 

Because it is almost as liquid as saving accounts with almost unconditional FD return 

I have a feeling that you misunderstood the question. Switch sell and buy should be no payments.

erm, when OPR increase to the extend that bond yield falls below FD rate, you will go back to fd 

Switch sell is instant the same way as you use CMF to invest in other funds, just also take 4 days to show your holdings

.
***In summary, your switch sell price will be based on T and switch buy price will be based on T+X+Y

Rhb cash management fund 2 will have 0 day lag but returns is lower than Libra Anista.

On the other hand, if you want park for very short term future potential investment, just sell to CMF or directly to ur banking account and reinvest later through either platform will do 

Nope,not to spark any argument on it 

looks like I need to really set up an instant liquidity account and also a bridge to fsm while balancing the rates of eGIA-i and fixed income.

after seeing AIYH post on down time and lag and ramjade for chiming in I have been neglecting to create a real instant emergency fund.

so let me get this straight. rates of eGIA-i > cash management account >savings account

three of which are able to liquid cash ASAP.

to cut short the switch sell and buy of T12 days which we found out, it is better to sell the fund first then on the same day buy the intended fund with your other savings parked in your eGIA-i?

I always thought the fixed income fund will be my ammo storage. guess not.

Some may feel offended by this, but I'm just speaking the truth.

Ram oh Ram, u ni still a student, plenty of spare time.

Many of us here are busy businessmen and professionals, we could be busy from 9AM til 2:55PM then baru ada masa log in internet read business news or check our UT portfolio then decided to top up...

Wanna log in Maybank2U, uplift itu apa eGIA, then log in FSM and then use FPX to pay? To a busy people, even 1 minute can do a lot of things.

I conclude my "insult" of the day.

Haha.

Btw, budget 17 coming le... Got impact on MY market Liao?

How is Asian market reacting to the drop in US market ?