For the mobile app, based on my testing , clearing cache did not clear the cookies. I might be wrong. I have use root to delete the cookies stored somewhere, then it managed to recover without wiping the rest of things such as watchlist.

Now it is back to normal without me doing anything. Guess they were on maintenance earlier.

I think 3-4x/year. I remembered seeing 0% already 2x.

thank you. I'll try that. Urgh. this is annoying.

add on.


aaaaannnnddd I just lost all my phone and app defaults

add on 2.

send a feedback to fsm to upgrade their app. feedback as follows



This post has been edited by Avangelice: Dec 12 2016, 02:04 PM

a reminder or a new to apply mantra.....
"Match your unit trust investing with your risk appetite"
http://www.thestar.com.my/business/busines...-risk-appetite/

My portfolio for fsm is 70% foreign.

But objectively speaking (aside from last 2 years), malaysia funds like Eastspring Small Cap and Kenanga Growth is still pretty good given the risk to return ratio over the last 5 and 10 years.
2 years return as comparison to other foreign funds are not so great but too short of timeframe. i'm not patriotic but i think pinkspider here once mentione last time global funds really lousy returns.

He probably meant global funds (ie. funds which invest globally) and not funds that invest in specific geographic regions

Anybody going to top up for the 1% promo? Almost last day...

Another reminder - the definition of "high risk" depends on the person. Risk is not that easy to define, when something is classified as "low risk" what they usually mean is "low volatility". In mutual funds there's no such thing as "high risk" and "low risk", or more accurately, all mutual funds are low risk. This can be proven very easily.. look at FSM's list, how many funds lost money after 10 years? almost zero. So what risk are we talking about here? if you spend money on food you don't know you will even like the taste of.. that is riskier than investing in a mutual fund for 10 years

This post has been edited by wodenus: Dec 12 2016, 08:57 PM

BENGALURU (Dec 12): Southeast Asian stock markets closed lower on Monday, with the Philippines posting its sharpest fall in nearly three weeks, as investors dumped risky assets on expectations that the U.S. Federal Reserve would raise interest rates later this week.

"There is a lot of foreign selling pressure right now, in anticipation of a rate hike in the United States. This could even push the Philippine peso beyond the 50 (per dollar) level," said Manny Cruz, an analyst with Manila-based Asiasec Equities Inc.

The peso touched a two-week low of 49.870 against the dollar, before paring its losses, helped by greenback selling from domestic players.

"I think it is risk-off ahead of Tuesday's Fed meeting," said Victor Felix, an analyst with AB Capital Securities in Manila.

Explains why it was bleeding today.

Yeap topping up tomorrow for sure to enjoy the 1% promo and the Asian Pac funds must drop for sure. win win situation.

still mulling the idea of taking Titans as I don't like buying into speculation. Maybe after Trump steps into office and Europe cools down for a bit

OMG OMG OMG!

All the listed UTF in FSM universe ROI is > 0 % annualised for the past ten years. You are right wodenus, you are sure to make money after ten years investing.

On the other hand, average performance of all those with 10 years track record is 6.3% p.a.

UTF cheat people money?

Xuzen

there is ONE that lose money....after 10 yrs (yes you are right...almost ZERO number)

those that can see it will say...what the heck....the IRR is less than FD.....for so many funds after 10 yrs.

so this one would be talking about partly under "Management Risk" ??
Performance of the fund depends on the experience, expertise, knowledge and investment techniques of the fund manager. Poor management of a fund can cause considerable losses to the fund, which in turn may affect the capital invested.
https://www.fimm.com.my/investor/abc-of-uni...ng-unit-trusts/

for those that wanted to be calculative in to it....
Quantitative Measures of Investment Risk
https://www.fundsupermart.com.my/main/resea...-Oct-2011--1723

Measuring The Risks In Unit Trust Investing
http://www.sharesinv.com/articles/2012/08/...rust-investing/


Attached thumbnail(s)

I am sure of it.

This post has been edited by wodenus: Dec 12 2016, 09:02 PM

That is correct.. it's almost impossible to be losing money in 10 years. Not making as much as FD is another matter. With FD rates dropping as they are though, maybe that will change as well

As I have said earlier.. there is almost no "risk". In fact I would say there is no risk. Bonds have a tradition of not performing as well as equities, and now they are more volatile than ever before, and yet they are called "low risk". Go figure lol

This post has been edited by wodenus: Dec 12 2016, 08:25 PM

I would suggest this 10myr bet to be placed based on inflation rates and interests (compounding) yearly

could low risk means no matter how volatile it is, the 3 yrs volatily % is way no where close to some Eq funds.....unless the bond funds has currency risk/exposure mandate

Well, we're more exposed to developed countries at this point actually

I have no idea what they mean, you can't move forward while looking backward

me too.. plan to allocate RM500 for this..