after numerous tries, managed to top-up 5 figure today for ASW.

This post has been edited by rickarch: Oct 19 2016, 03:40 PM

Quote from above:

From what I gather from the limited time I spent on this thread the others seem to think ASx FP is of no/low risk compared to UT which is of higher risk.


That is what I differs from majority of the thinking here. I do think there is some risk here. But it is up to the individual to look at the risk that suits him/her. No one's thinking is alike. That is why we have a FD thread and FSM one.

This post has been edited by bbgoat: Oct 19 2016, 03:52 PM

I hold your view too... But obviously we are the minorities

Today went to a bank ... officer said cannot top up anymore, one day one transaction, even the transaction was with other bank.... and officer said that the new form has a column to indicate why you need to do a multi times of transaction...
Any one face this before

You all really so lucky some more five digits, i want to get a three digits, also cannot get... wonder why i have not get the luck

Haha, at least I am not the extremist. Either for or against FD/FP. I do have the FP (not small amt).

This post has been edited by bbgoat: Oct 19 2016, 04:11 PM

Isn`t that the risk should be lower than stock market，forex, variable unit trust?

The safer one is FD ..am i right?

Ya, in a way.

[quote=bbgoat,Oct 19 2016, 01:18 PM]
My ratio is even higher than u quoted.

How about u ? ASX:FD 80:20 ?

[/quote

My ratio the other way round, asx:fd. 20:80

The new form really does have that I saw ytd by another forumer.
But it say Redemption/Jual Balik not topup (PART C).
I have no idea why we need to declare reason if we sell back same day.
I mention y'tday it didn't make sense.
Or is that to tackle money laundering again?
Any sifu or insider with more knowledge on this?

Previously nope..

But seriously the new form is really weird..
Like asnb indirectly stopping us from doing multiple transactions

Maybe got to do with SC which previously gave "warning" on huge fund size??? Units reinvestment thingy??

There must be min RM2 million in FP, to get at least RM3+k to spend a month..........

To be able to buy RM2 million units in 3 months............and without any insider help,,,,,,,


Normal UT is no joke, you can make 10% or more BUT you can also get much less. I would only play with my spare cash. not comparable at all with ASX.

In FSM UT thread, many can't even get 6% returns , despite years of experience and knowing all those
sharpe ration, asset allocation and whatnot......that's how different UT is.



You are very good at saving money to have,
RM380k in ASX, 120k in EPF and
put RM20k in stocks, 5k cash with MBB GIA and play UT 1k...

but i dont understand later when you retire, you would increase your UT portion so much and reduce your fixed income class of assets...?



FD must be the safest for you to place so much in FD. I agree with you.
Similarly i also agree with you UT is risky, so we put a little there only for play play.


What about you on FD? Would you place so much more money in FD
in comparison to UTs?

I reckon bgoat's FD:UT ratio is like 90:10 or higher,

i hazard a guess, you think FD is a waste of time, the returns cannot catch up with inflation,
etc......better invest more in FSM............

actually this ratio should be fine.... 380 in ASx, 120 in EPF, 20 in Stocks, 5 in FD, 1 in UT....

for me.... i would put more weight and my ideal or target is to have below ratio

3.33 ASx : 3.33 FD : 3.33 Stocks : 0.01 in Banks

UT not so keen and also dunnu what to buy at this moment ......

Normally sell back mostly due to mistake of capturing too much units and the buyer not having enough cash to buy ..... i suppose this is ok ...and no need any reason ....

Hmm... should I even start...

Like everyone else say, it's a personal choice, where to put your money. And it should serve your intended purpose. And that's enough. Doesn't matter what other people say

Unlike guys with big ego. I don't like to compare IRR to see whose ball is bigger but doesn't mean my return is lower than ASx or EPF or yours

some banks start to use new form and some still stick with old forms.....
new form

Part A - Maklumat Pemegang Unit:
has 2 type of info to fill, one for the owner and the second one is for Penjaga...means to buy for your children...


Part B - Maklumat Pelaburan Tambahan
jumlah units
cara bayaran cash or cheque or pindah akaun

Part C - Maklumat Urus niaga pada hari yang sama

jualan balik dan jumlah
atau
sebab melaksana SDT (same day transaction)

Part D - Arashan pengisytiharan

This post has been edited by Kamen Rider: Oct 19 2016, 05:24 PM

yeah not to do comparison.... but the ratio will give us some benchmark on how we allocate our assets....
presume that age 25-35, 36-45, 46-55 and above 56 have different assets allocations.....

as heard ppl said the older you are, the lesser you put in volatile market instrumentals financial products...

should i put 3.33:3.33:3.33 ratio for low risk to high risk portfolio ....

Been sharing every single trip & top up since the day I stumbled upon this thread.

This post has been edited by twinkle5129: Oct 19 2016, 05:31 PM

guy3288 the figures I gave are just ratios, not in actual values. Was hoping to get an extra 3-5% more from UT, to be used for some extravagances.

"In FSM UT thread, many can't even get 6% returns , despite years of experience and knowing all those sharpe ration, asset allocation and whatnot......that's how different UT is."
Are u sure many of the sifus in FSM can't even get 6% returns? Thought they are getting >10%.

mind to compile a table or graph from the year you start invest in FP till now.... not the amount but the date and time