AIYH uses that facility to invest in his portfolio based on the dollar cost averaging method. hassle free and automated. no need to actively manage your portfolio.

some fund houses have switching fees regardless if it's intra switch like rhb. most switches are free if within the same house

Which was the reason i asked what is the performance of phillip mm. Nothing is mentioned in the website. And the NAV is shown as fixed priced.

Ok now lets just assume there is a 3.x % payout. But the other Malaysian equity and bonds for hide out also do not make sense.

That's one strategy. You buy regardless of the price every month and get the average final NAV when you liquidate (when you need the money). That way will not cause you to have emotions about topping up more/withdrawing as it's fixed every month.

The good side:
- You only pay 1% SC compare to 2% if you buy whenever you like.
- It's average. You won't get the highest return nor the lowest return.

The bad side:
- You may miss out on massive "discounts" especially if it's shortlived as RSP usually happens on the middle of the month.

Erm we still pay the same sales charge

Unless within promotion period

If the RSP is right after the promotion plan (like the recent promo for Ponzi 2 and Titan), I will manually top up for those month for that month instead of RSP.

Other than that, you can just allocate fund for it to RSP every month with a peace of mind (dont care ups and downs) if you are not the opportunistic type (event driven)

My 2 cents worth...US centric equity funds will continue to rise until Trump is sworn in as the President. Beyond that, who knows?

For speculators, there is still a one month period to ride the wave.

For long term investors, it doesn't matter whether the US market will go up and down in the short run.

For hybrid investors like me, just skim the excess profits and stay invested!

I fully agree with this.

Say after Trump doing tax cut and what not which are speculated (by eunitrust) to affect the market so badly ( look at the ports ! Almost completely swapped out the entire investment !!!), then seriously there is no place to hide, and hiding under Malaysia is actually a terrible choice !

so either way we are fucked unless we stick to investing in US and Asian Pac region

Really 2% SC? But dasecret told me it's 1% SC if do RSP.

subject to offers la..if normally every 15th of the month is still 2%

If like that better I choose when to topup myself rather than RSP.
Thought those who RSP get 1% instead of 2%

only good thing from RSP is that you have a lower minimum subsequent purchase.

Try Morningstar.

lower min initial as well

Not necessary. If your fund allow min RM100 to topup with/without RSP then it makes no difference. However if your fund need like min RM500, then yes RSP helps very much.

wait we can elect to face distribution in cash form?

This post has been edited by Avangelice: Dec 15 2016, 05:33 PM

Photo of the day :

Why would you want that? it's just taken from capital gains. If you want money from it, sell a few units that way you can declare yourself a dividend anytime you want won't have to wait that long either


This post has been edited by wodenus: Dec 15 2016, 05:54 PM

No reason to hide. Good times, you make money. Bad times, stuff is cheap, can buy more

You got to see their recommended portfolios.

The conservative ones are >80% mm. It has to be a major WORLDWIDE economic crash then one will adopt such a portfolio ! In other words, eunittrust is predicting that there will be a major crash in 2017.

This post has been edited by puchongite: Dec 15 2016, 05:50 PM

Yes they are seriously pulling out of everything, which is weird. Given that on the whole, markets always move up, one should always be accumulating