I was thinking of Anita mui but remembered that there's a annual charge that the fund charges on top of your investment. compared to rhb bond fund and rhb islamic bond fund, they are better no?

Will share d key points after d meeting.

AFAIK, the only extra fee not reflected in the NAV itself is the platform fee which is 0.05% (negligible, no?)

Historically, Anitamui is 50% less volatile with 20% lower returns compared to RHB bonds. So if your gf wants something really conservative, anitamui will be my recommendation. However do bear in mind that there are still risks of bond default, interest rates etc. Does she have enough cortisol to cope with watching NAV turn briefly red? Many people can't do that..one way is to ask her NOT to check FSM daily. Do it quarterly instead

Argued with my girlfriend as she was coaxed into buying a investment linked insurance plan for 20 years.

I did my calculations and she is paying MYR 474.75 a month for her premiums for 20 years so in total she would have paid myr 103,940. No compounding and return of interest until the 24th year and 150% shall be paid at age 75

So me being the UT guy that i am, I keyed in her amount she will invest in RHB Bond Fund which roi is on average (worst case scenario 6%) at MYR474.75 in a compounding calculator so.....

At the 20th year she would have amassed a total of myr 235,388.

Now i have to do a sales pitch to get her not to buy the plan and sign up for FSM and most likely i may have to open an account under her name and help her invest every month. Dafuq.

Give u a homework. Calculate the IRR on her so-called investment linked insurance plan.

I tried doing it but the policy has two situations. one is cash value and another is death which has two different values altogether then there's their different riders and each rider has different dividend....oh wait... that sounds exactly like our excel sheet!

oh lol. got you.

I tried doing it but the policy has two situations. one is cash value and another is death which has two different values altogether then there's their different riders and each rider has different dividend....oh wait... that sounds exactly like our excel sheet!

oh lol. got you.

Bro, do us a favor...
Find out the premium of a term plan with similar death coverage. It should be cheaper than an investment-link plan.

Let's say the premium is P, so the money saved is:
474.75 - P

Now, assume your gf invests this amount (474.75 - P) in UTF. What would be the value of her investment when she is 75 - assuming various IRR.

Please put all these in a post as I want to take a screen shot...

Want to ask:

If RHB AIF for whatever reason no longer is favoured and another fund is the flavour of the month, what will you all do?

I mean, now we know that the market is volatile and a lot of pure equity may be too volatile for our current liking, what if the market as a whole turnaround and pure equity fund becomes de'riguer again?

What would you do?

Xuzen

On another note, AMAsia Reits seems to be going south, and I wonder why? Could it be a because MYR semakin kuat?

So what's the conclusion? Forget about AIF and Amasia REITs and head back to APDI where the returns are?

APDI - what's that ? 

CIMB-Principal Asia Pacific Dynamic Income Fund

Haha. I thought it's Asia Pacific Dynasty India.

Haha. I thought it's Asia Pacific Dynasty India.

All seem to know ponzi2 instead

LYN FSM group favoured mamak fund is Manulife India la

So we have a new nick. Mamak Fund?

Jangan, nanti orang cakap kitorang racist

Somebody named Ponzi 2.0 as Dynamite Fund.
Won't that be labelled as terrorist?