You lose about ten days though.

Haven't you read the case of people posted here that they tried to use the ninja switching and ended up losing more money ? You are pretty much deluded to use the words "switching for free".

The credit system should only be use "by-the-way", ie if one is indeed wanting to switching from small cap to eastspring bond, then go ahead and earn some credit. But to "purposely" exploit it, hmmm, the result isn't always predictable due to the moving Nav prices during the various transaction dates.

On the otherhand, have you tried to look at how you could use the 0% SC of eUT to perform switching ?

You can practically move out your entire portfolio to totally different portfolio in 3 or 4 days without incurring any SC, across different fund managers and across bond and equity.

For example, you can't switch your entire investment in RHB AIF to Manulife India  or eastspring smallcap to ponzi 2.0, all in one move, 0 % SC !

Think about it, how about that ?

Haven't you read the case of people posted here that they tried to use the ninja switching and ended up losing more money ? You are pretty much deluded to use the words "switching for free".

The credit system should only be use "by-the-way", ie if one is indeed wanting to switching from small cap to eastspring bond, then go ahead and earn some credit. But to "purposely" exploit it, hmmm, the result isn't always predictable due to the moving Nav prices during the various transaction dates.

On the otherhand, have you tried to look at how you could use the 0% SC of eUT to perform switching ?

You can practically move out your entire portfolio to totally different portfolio in 3 or 4 days without incurring any SC, across different fund managers and across bond and equity.

For example, you can't switch your entire investment in RHB AIF to Manulife India  or eastspring smallcap to ponzi 2.0, all in one move, 0 % SC !

Think about it, how about that ?

How do you do that? 

You need to be a bit more verbose. Your terse replies are always ambiguous. Which scheme loses 10 days and which loses more days ?

Sifu,

Switched out frm Kapchai fund to which fund in your mind ?

i am lost.. what is KAPCHAI?

Not only that. With Trump elected POTUS, I doubt oil prices have much room to go up.

Kecian kapchai, used to be one of the most popular funds here...

[attachmentid=7838138]
[attachmentid=7838139]
[attachmentid=7838140]

I hardly ask for help with analysis of my portfolio but can some kind soul let me know if I'm doing everything right before the end of this year?

hi, can u let me know how to generate your this chart? is it within FSM or you do yourself? i cannot find it.

elea this is screen shots from the fsm mobile app in Android and Apple.

Regards.

Eastspring small cap.
perhaps now it's time for me to switch into this fund. I need to switch out of the EI AsiaPac Target Fund.

this is where your credit system can be use to offset the sales charges, for eg, eastspring small cap switch to eastspring bond earns you credit , and later you can use the credit to offset the switch from eastspring bond to other eastspring  equity fund like small cap, global leaders and etc.

applicable to both epf and cash funds. i think previously Xuzen advocate buying from eastspring for EPF funds as they have a range of funds to buy using EPF funds, for RHB need to pay rm 25 per switch.

The credit system is the one thing that separates eunittrust from FSM, eunittrust don't has it,  and for FSM  you can use credit system to perform the ninja switching for free.

Does anyone had problem login to FSM MY website today? or is it just me

If I switch from Eastspring smallcap > Eastspring emerging market, kena charge 2% some more?

Btw, if I want to buy those "sophisticated investment" by FSM do they really ask for RM3m proof (don't have RM3m) but interested in one of the fund.

clear your cache. happened to me last night when I wanted to open an account for my girlfriend.

Regards.

1. You example is a Intra fundhouse switch, no sales charge
2. The wholesale fund is restricted to HNWI to protect the retail investors, the idea is, these ppl with so much money won't feel the pinch if they lose from the wholesale fund. So if retail investors proceed to claim they are HNW, I don't think they really check. If I remember correctly, SC vetting and requirements is also less stringent for wholesale funds.

i am lost.. what is KAPCHAI?

China Just Blew Through A Quarter Of Its Foreign Currency Reserves

We seem to have yet again an acceleration in the outflow of Chinese capital, putting huge pressure on the yuan, the forex reserves, as well as the authorities.

These reserves decreased in November by a whopping $69.1 billion, to $3.05 trillion. This is down a whopping $1 trillion from its peak in 2014.

Up to half of the November decline could have been the result of the rise of the dollar, which reduces the value of the non-dollar forex reserves, and capital losses on fixed income instruments.

The picture is even worse if one considers net reserves (gross reserves minus foreign debt) which now stand at just $1.7 trillion.

They spend these reserves on defending the yuan, which has kept on sliding lower nevertheless. The losses are even more remarkable given China's still sizable current account surplus.

Somebody should tell the incoming US government, because President elect Trump was tweeting against China's currency policy only a few days ago. There is actually additional pressure from the rising dollar, anticipating Fed interest rate hikes and a reflationary policy package of the incoming US government.

China fixes its currency to a basket of 13 trade-weighted currencies, and the rising dollar means that the yuan gradually depreciates against the US dollar automatically when the dollar rises against these other currencies (like euro, yen, Swiss frank, a couple of Asian currencies like the Hong Kong dollar, the Thai baht, etc.).

Read more: http://seekingalpha.com/article/4029095-ch...rrency-reserves