Yup. There other choice to pick from..
That's why I don't have ponzi 1 now.. Already enough of Malaysia exposure..

Just did a top up.

500 in each

Cimb Greater China.
Cimb Principal Asia Pacific Dynamic
Eastspring Investments Global
Rhb Asian income.

Total myr 2000

RHB AIF was not inside the promo list, u know rite?

Yeap I know but I have been meaning to do it before new years day so my as well make it my last major top up for 2016.

PS eastspring emerging global just covered my loses from kapchai. I'm a happy man

I have some questions regarding how to read the statements and trying to understand how this works.

In the FSM statement which says 'Profit/(Loss)' is whatever the amount I have earned or lost from the beginning of time? or is it the profit/loss of that particular month only? Does it mean that I should disregard how much dividend in units are distributed to me, I only look at the amount at the last row of last column to see how my funds are doing?

Speaking of risk, different people, different views.

To Mr CrystalBall™, risk equates standard deviation.

To Warren Buffett, risk is how an investment would affect your purchasing power. (See my siggy.)

As for myself, I always tell people the risk of UT investment is nothing compared to you opening a shop with 100k capital

Added ponzi 2

Hi guys. I am new here. Previously been invest about 20k in UT with the 5% sc and now get to know this great tool.

I was just curious what are the disadvantage of the FSM with lower sc as I know there are no free lunch in this world.

Is it they have limited available UT to buy or something?

the disadvantage is you have no one to blame but yourself if anything goes wrong. it's not sarcastic, it's the truth. you are trading no or less payment to services for more control.

Sorry if my question sound noob but how is the risk if I buy public mutual fund from PB and get charge 5% vs buy it inFSM and charge 2%?

BasicLly I'm buying the same thing right?

the risk is the same in terms of funds you brought. Now, the more important thing here i sentiment. Example, if the fund is not doing well and you ask the manager about it, he/she might tell you buy more since it's at a discounted price. could be right, could be wrong. no one knows until one year goes by and you look at the fund.

with FSM, you see the fund not doing well, you can straight decide sell or buy more backed by research that you will do on your own to get ideas.

in other words, one is spoon feed and you nom nom nom, the other is going to the groceries, cook and eat it and u know what you're eating.

I see. Based on your statement I think I beeen con. I have bought for about 10years the public mutual never heard from the consultant. Only see statement got her name I dun even know who is she lol. Then got the little booklet I always throw to dust in on first day.

Like that better buy FSM la no difference. Btw the consultant will have many customer I dun think she can talk to everyone.

well you did get your money back with earnings rite? how much did you get and how much did she promise you? a fair statement is, if you can think you can do better than those fund managers, then you should go for it on your own.

personally i like control of my hard earned money. some people here feel they can do much better than those fund managers and rightly so. if your opinion is the same as us, welcome to the club!

1) that profit lost is the amount you place in from day 1 or to make it technical, the current price of your portfolio as to compared when you first invested each fund.

2)dividends are nothing so some of us do not stay in UT for it.

3) you should look at individual funds and their profits and finally the final column. let's say Manulife India netted you 10% but three your other funds are at - 3% each so your current portfolio profit is 1%

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This post has been edited by xuzen: Dec 13 2016, 03:06 PM

So fast. Year end is here. I thought I would tweak my main portfolio a bit.

I bought a few hundred bucks each into Eastspring Global Emerging Markets Fund, Eastspring Global Leaders, TA European Equity Fund and TA Global Technology Fund so that they would look nice in round figures.

I skimmed off the excess profits from CIMB Global Titans Fund (10.54%) and the CIMB Asia Pacific Dynamic (8.47%) and put it into the CIMB Australian Equity Fund.

Switched half of Libra Asnita Bond Fund into Affin Hwang Select Bond Fund. Sold off my RHB Asian Income Fund by switching it into the RHB Money Market Fund.

Yep, that should be all the transactions for this week except for the RSP on the 15th of each month.

Well for one, u pay extra SC because u "feeding" your consultant / agent.. Why need to pay extra for it..

lots of switching going up and down. you have good belief that aussie economy will be good? and why let rhb AIF go when everything is pointing that Asia Pac ex Japan will rebound in two years.

Yes, banks are full-service.. with banks you are paying for the services of a consultant. With FSM you are doing it yourself.

I have no idea at all how the Aussie economy will perform. I thought I would just switch around RM5K of house money into the CIMB Australian Equity fund since it is on an upward trend. In other words, it is just a gambling portfolio for me.

RHB AIF is just too slow for me. Neither here nor there. A balanced fund. Not low risk enough to act as a stabiliser but at the same time, it cannot perform as well as the other Asia Pacific equity funds. I thought I will just stick to my Malaysian bond funds and now the Affin Hwang Select Bond to stabilise my portfolio. The rest of my funds would be high risk equity funds.

My 2 cents worth as usual. Different investors have different risk appetite and different view of course.

This post has been edited by Vanguard 2015: Dec 13 2016, 03:35 PM