High can go higher. I was right with KGF + Eastspring. High can go higher. Regretted not buying when it was lower 2 weeks ago.

Suggest buy min amount. Whenever pocket of opportunities appear, buy more. But who am I? I am noob

Somehow I think belanja lunch to friends/family is cheaper than paying interest (cause you decided the price). Could be wrong here.

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 want to ask about this RHB Islamic Bond Fund. Say I put in RM1k this year. Then I put in RM1k in the 2nd year. 3rd year I withdraw everything. So I kena charge 1% for the RM1k placed in the 2nd year?

Not sure. I think you have to check with CIS of FSM.

But if I venture a guess, my answer would be yes.

Otherwise, first year you put RM1k, 2nd year you strike lottery and put in RM200K. So RHB will suffer a "loss" if they cannot charge you 1% on the RM200K if you redeem everything during the 3rd year.

This post has been edited by Vanguard 2015: Sep 30 2016, 11:48 AM

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

This post has been edited by AIYH: Sep 30 2016, 11:50 AM

Thanks for the explanation.

If you plan to invest into it less than a year or forsee of switching in and out the money inside, I will suggest Libra AsnitaBond Fund

But if you plan to invest into it and let it go for at least a year, then RHB Bond Fund/ RHB Islamic Bond Fund will be better

I agree bro.

see the attachment below on how to sell the islamic bond, the system will tell u how many unit u can sell with redemption fee and how many without redemption fee.




Attached thumbnail(s)

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!!

i beg seniors here who have achieved 3yrs (or longer) IRR of 10% to please raise your hand
as a sceptic i really like to know how many has actually achieved that.

We have heard and read about it, gettting 10-15% etc, that is just not the same as seeing it myself.
(dont worry i wont insist u show me and let me check your 10% IRR true or not.)

As for you "wont sell" strategy, i went back and tried that "wont sell" myself ,
i put back all those UTs that i have sold or switch sold,
but too cumblesome to correct for UTs with distributions, i left out AAPEI and KGF,

this is what i get if i just buy and never sell. Ended up i would have put alot more money in it
to get a little extra IRR................. yet still no 10%



i agree with you 100%

Hopefully can. If cannot malu show face to family. Family will tell you nah who tell you to go put money in UT.
If cannot achieve nett of 10% p.a after 3 years, it must be able to achieve >7%p.a (I am now using RHB Islamic Bond as benchmark)

1) I was abit afraid when someone take my opinion as it is and change their method entirely. I takut… nanti dia curse saya pasal I said something.

IMO I don’t like RHB smart balanced fund, but I’m a bit bias. The smart series fund kinda not smart. U-li Corp…???

I don’t know if my reasoning make perfect sense, but let me present it to you. If we use the chart centre and select Smart Balanced, KGF and EI small cap (they are not apple to apple but that’s the point I want to make), I made a conclusion that, despite the so-called ‘balanced’ the volatility of rhb smart balanced exceeds KGF, AND the return is worse off. Sure, when you add in EI small cap, sure it has highest volatility, but also higher return. Based on this past performance, I don’t see the point in this fund.

Those who can make more technical conclusion, may correct me.

2) I always fund balanced fund a bit weird. if I have 1 to 2 equity funds and 1 bond fund with the same company, then I can rebalanced the bond/equity side easier (just switch it a bit) and ideally with a company with free switching, etc…

3) btw, amdynamic bond got that stupid redemption fee (like someone pointed out). I would choose a bond fund with a company I have equity fund with as pointed out in point #2. I believe kenanga and eastspring offers free switch? Not sure about cimb, probably free too?

Ahaha..Im not that 'young' anymore but hopefully still not too late to start investing

Get good advice from sifu here, appreciate!

Bursa building evacuated due to bomb threats. Market down a lot, good to invest today to catch the last day of promotion

Buy Bursa Malaysia Berhad shares?

I thought the cut off is 3pm. Your post is already later than that.

Yes, invested mine before 3pm

Good for you !

SCENARIO 1 : Asset allocation = diversification = negative correlation assets = no wild fluctuations = steady gains?

SCENARIO 2 : No asset allocation = market timing = positive correlation assets = possible wild fluctuations = big gain or big losses?

SCENARIO 3 : ???

This post has been edited by Vanguard 2015: Sep 30 2016, 04:51 PM

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