Will is a must, if you have significant amount of assets.

Fee for registration /will writing/annual maintenance fee is usually not much...
the REAL charge is when assets are to be transferred to your beneficiary-
the higher your asset value, the more your beneficiary would need to pay,
few thousands for every million.

You can cut down on that ("?fat bill"), by distributing your assets early while you are still alive...
eg open ASX books, buy properties, UT on your kids' name.

to be on the safe side, prepare wills for the kids above legal age also, just in case......
of course later when marriage comes in......wills will need to change.

Can see you value the 2% extra return from ASX over FDs, much more than bgoat.
Likely you would have more in ASX compared to FD, ratio 70:30?


?ASX still has the connotation of "UT risk" to bgoat, that's why rather go for FD get 2% lesser, methinks.
bgoat's FD:ASX ratio 80:20?

Personally i believe this ASX is just as safe as FDs. i would very much like that 2% extra,
as every 1M is extra RM20k over FDs, trouble is my FDs will go till 2018,2019.

This post has been edited by guy3288: Oct 19 2016, 01:19 PM

Wow!! even higher? every 1M rugi 20k woh........

at the moment 40:60, i dont mind push in more later, if i dont get 4.7% again.

This post has been edited by guy3288: Oct 19 2016, 01:23 PM

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............

You show your color so fast?

I only wanna confirm with you personally that Your stand is that FD or ASX is a waste of time.
Clearly you refused (dared not?) make a stand here.

From the tone of your reply, it is obvious you take offence to
my factual statement: "many in FSM cant even get 6% returns".

I can see you all in FSM glorifying FSM UT investment so much and looking down
on ASX and FD people as if our returns are so low.

Who is the guy with big ego?
Those who keep saying/hinting people who invest in FSM UT are clever/smart,
and those who put money in FD or ASX are stupid. Who are these people?

For those who dont know, go read FSM.

Ask Ram, who got bullied with every attempt to post anything there,
till i could not tahan the bullying,and joined the fray to teach them a lesson or two ,
by reminding them , "why so egoistic you FSM fellas?" ....."just how high is your IRR?"

And that is why this dasecret talk about me comparing whose ball is bigger,
when in actual fact those FSM guys are the ones who keep glorifying FSM at the expense
humiliating ASX/FD investors.

And that is why you see pinkspider and dasecret started making post here, in a thread they
actually hate and look down upon. (ask them how much they invested in ASX or FD)



comparing the returns (aka IRR) from various investments you have is unavoidable.

Otherwise you would never know how much you actually get back for the amount of money
and time invested. Which is better investment, which one to drop and which one to choose.

I was not there to laugh at those in FSM whose IRR was a miserable 3-4%. I was just trying
to point out those other egoistic sifus who keep humiliating the FD/ASX people,
hey we can get more than you la, so dont keep saying we are stupid and only if invest in FSM
is considered smart investors.

I cannot believe my ears when those in FSM with poor IRR said IRR is just a number, meaningless number.
that sounds like a sour grape. How can one not bother about the IRR at all? Why invest?
You want to make money! How to gauge that? IRR is one way.

People fear comparison only if they cannot accept what they are "cheering" or "glorifying"
is not actually what they get. Self-cheating so to speak.




Go read FSM, many pages back where i argued with them.

They would tell you they bought at the wrong time la, market crash la etc, so return <ASX.

Meanwhile they will laugh we at ASX are stupid,
conveniently forget that market crash or not ASX pays out 6+% same.


Yeah, we continue to enjoy our return here, let those in FSM who thinks they are "superior" to carry on, but recently they invaded this thread.

Have you guys missed out that BIG red color post by pinkspider in ASX thread (last version)?

they complained ASX investment as "NOT FAIR",
go read pinkspider BIG RED post in last ASX version.


not just ASG and ASN3, it should apply to any other UTs in FSM also.


What fishy conflict?
Nothing fishy if you just pause and think first.

And what conflict?
i have FSM UTs in amount i think is even more than those so called FSM sifus.

there should not be any conflict,
you want to glorify and say how smart you invest in FSM i have no problem,
provided you dont go repeatedly humiliating those who invest in ASX,or FD.
It's embarassing isn't it, if their FSM returns cant even match ASX's dividend?


i just hate those who repeatedly mumbled in FSM thread, "you cant save them all"
as if if we dont do like they in FSM do, we all will die here.




What do you have there in mind?


No harm trying some also.


Benefit from it while it is still there giving out 6%.. good things wont last.
Of course must have properties, bonds etc also.

If you can agree with me that FSM guys there should not behave as if they are "superior" investors lording
over those in ASX or FD threads, then i have no problem with you already!

who doesn't know every investment got pros and cons, blah blah blah....?


Yes, talk no use, ultimately is how much money you can make from your investment, be it FSM or ASX.


You have not revealed your interest in ASX here to those in FSM yet, so you dont know.
Wait till they know you are keen on ASx, then you see.


Yes talks only no use, must back up with numbers and i did that to them in FSM,
now she said i like to show my balls bigger.

You must go read FSM many many pages first,
before you say that in red.


I think there is no shame for you to admit, yes "i dont believe in putting so much of my money in FD or ASX".
What is wrong with that?
As long as you dont try to imply or hint others doing that are stupid, i have no problem.


I just cannot take bullying in your FSM thread lying down
Did you see how your so called sifus bullied people in there like he OWNS that FSM thread?I remember one
brave forumner ? dexk, said yes he also agreed that your so called sifus are bullying people there. Most
dared not even utter any sound as your so called sifu wielding big stick would come out rambling, "idiots, lembu, put you in zoo, orang utans , ARE YOU BLIND?,etc ..."

Now when you say FP funds is like "crutches" don't you realise you are hinting that ASX is inferior?
Poor quality or something?

If you are an objective person, you would ask how much ASX return is and not hint how it is inferior
and prevent people from investing the proper way- by buying UT in FSM?.

When people go invest in FSM UTs, and they lose money, how can you mend it for them?
Tell them never mind?
that is the price to pay for learning??

While you may say you support people's choices, upto an individual to choose where they
want to place their money, your action above speaks otherwise.

Think about it again.
I dont think i am trying to quarrel with you,
just for intellectual discussion, no offence okay?

This post has been edited by guy3288: Oct 20 2016, 12:40 AM

Now you guys can see the bully in action here live.

You may be able to fool those who dont know you by saying the above in red,
hoping to make them believe you are a Saint.

But your action and behaviour in lowyat's forum, speaks otherwise.
(the number of times your posts reported and removed, )


So don't try too hard to place a "halo" on your head,okay?

You can never hide the "fox tail" ,
blabbering out "crutches mentality"
instantaneously showed your true colour.


If i were to hazard a guess why you guys go put money in FSM UTs,

i think 99% do it for just one reason, they are hoping to make more money
than FD or ASx can give them. 4-6% is not enough for them. They want more.

You must be the 1% abnormal species out there,
who find RM1000 on the street would not pick it up, saying it is not his money.

Dont be a fool man!

You should know by now I can't stand people who talk big, arrogant and always wanna bully others
as if only they are clever, only they are virtuous,
the holier-than-thou type of cheats.

same for that fellow who is not a doctor trying to make others believe he is a doctor in FSM there.

Someone just need to teach them a lesson.



You should appreciate the much more civilised community in here
who just simply ignore you,
despite your open condemnation on their investment.

Would you guys in FSM be so civil if someone here go condemn your FSM UTs there?

yeah seems more difficult to get now. yesterday whole day fished only 25k, today dont know can get more or not...........

i believe buying and selling happen all the time.
cant get is likely due to the time when we try, all taken up..
or may be amount keyed in bigger than available units then.
depends on luck.

is all up to the teller,dont believe system restrict the number of times.

more difficult it seems, leave whole day for 3 days.
see last day only got RM500.



me increasing my target....
no better place to go now
unwilling to be tied down for 4%fd.

That was a very mischievous comparison, an unthinking and misleading one.
if it was meant to tell people to dump ASX and go for FSM............

To show FSM UTs are better, the least i expect from them is
to show that FSM average IRR are much higher than ASX returns.

Not just pick out one winner (and silent on other losers) to say taking a calculated risk pays off, as if
hinting one can put all his money in KGF and hooray you will get 3X better return
continuously for 10years.


Ask yourself how many in FSM there has a 10 year IRR of 17%?
Forget about 10 years,just take 3 years period also i doubt there are many there.

Why they cant get that so called THREE FOLD return?
Answer is simple.
They dare not take the risk also.
Who dares put 100% money in one UT alone?

So, naturally they dont get 17% returns .
becos when you play safe, you diversify.
when u diversify, some UTs gain will be reduced by some UT losses
At the end they average out.

Fact is many in FSM are not getting ASX returns also. They get <6%.
Go read those who moan their poor returns.

I have FSM UTs too, slightly better (7.7%) return for higher risk yes,
no where near that 17% return.



Listen to this sifu in UT. IRR of 9.5% in 10 years!

Real IRR real person, not that "talk only 17%" return,
and what does he say?
--->"I won't put all dough into UT, no matter how safe it appears !"

That should ring a bell to you guys.


Nobody invest UT to get FD return. the fact that people gets FD kind of returns or even lower shows that UT can be unpredictable, can be risky , can even lose money!

Note: sorry to quote your post to show people UT is not all that rosy like those in FSM want us to believe.


You have a point there, i thought i was being sensitive.

FSM fee may be lower, telling people to move from PM to FSM is one thing.

Disparaging ASX , humiliating their investment pushing low risk takers to plunge their money into FSM is really over the lines to me. especially when you read many in FSM are getting less than what ASX can give.


I am another one who dont see ASX as UT.
i take capital not protected the same
just like BR , MBSB, bonds etc....

Wow wow, that is going too far off track!
First you should know when i say FSM average IRR I meant
the average IRR people in FSM are getting,
and not those numbers you highlighted there.

What is the use of showing those rosy numbers
when many in FSM are not getting that kind of returns in real life?

You dont boast using individual UT performance.
Worse if you dont even have that UT in portfolio.

I think before you guys in FSM continue to humiliate and disparage ASX's 6+%
returns, it's good that you go look into the mirror first.........
just how high your own returns are?

Where is that 3-fold or 17% return you have been flaunting ?

you cannot keep disparaging ASX's return when your own FSM returns
are nothing to shout about.

Ultimately is how much money you can make from your own portfolio
and not just how good the individual UTs available in FSM there.
Reason being:
1)You may not even be holding those UTs at all (I querried you once before)
2)You may hold only a tiny amount of the star UT but alot of poor performers
3)You enter at the wrong time, even with star UT you can lose money.

Even the technicality part which should be your expertise,
i am not convinced that you should use CAGR to compare ,
knowing full well most of us regularly buy more units with time, be it UT or ASX.

your argument is simply unconvincing......

i got quite abit also today.

you still want the SMS alert? but i am not there when units were bought, so it wont be real time....

Good question!

I must say your PBB UT did very very well, IRR 9.5% for 12 years!
Do you still need to listen to those from FSM whose IRR are lower?

Dont worry, the day will come when you are going to buy it just like the rest of us here.



Xuzen's trademark of showing off top FSM UTs (despite not having them in portfolio).

what to do, no better place to go.
bought genting today at 7.66 but looks like it's going to go down some more.

priority elsewhere?

forget it if you insist that was not lording over people here.
Why pick ASX ? You wanna buy?
flimsy excuse .
why compare GTR with Proton ? answer is obvious
you want to say FSM is GTR and ASX is proton ,but no courage
i do it for you, habis cerita no need write long long la!

luckily today didnt get 7.55, tomorrow will queue even lower. FP i think you dont need to hesitate , can withdraw anytime
when feel it unsafe.

i was trying to park some in that HLB 4.15% Tuesday only short term eFD ....
only got joint accounts, system does not allow me to do that eFD......

you did that already? must have individual SA with HLB right, joint account not accepted?

As for FP hunting, i will wait till end of month again.

if you find retail bank bonds above 5%, please pm me.
looks like i may have to go open SA also with HLB..GIA 3.6% vs 4.15%
worse i have more to come, ...dont know what to do with it,
simply top up some FSM UT and buy some shares,
may even have to forego my planned month end hunt, just buy on any day, sigh..

retail bank bonds one time charge at purchase time only, min 250k, fixed coupon rate at maturity get back capital.

With will and whatever, any transfer of assets to beneficiary incur additional charges.

Transfer RM1M out to kids, ASNB will take about RM4500 from each M.
Transfer house also must pay fees etc. i buy on their names straight easy, no transfer.


This post has been edited by guy3288: Nov 7 2016, 12:42 PM