Guys, Affin Hwang Select Bond Fund can be purchased again.
dasecret here's your chance to buy without 3% service charge.

For those who can stomach risk and wanna maximise returns - RHB
For those who wanna reduce risk - Affin Hwang Select Bond

and BTW. she's married. lol

Speaking of Asian bonds..have always wondered what the "other" countries are made up of! Could not find the info even from the parent fund itself.

Below is from the fund factsheet of RHB emerging Markets bond fund

[attachmentid=8215677]

Affin Hwang Select Bond is managed wholly (correct me if I'm wrong) by Affin Hwang team here in KL, so they will manage it to optimise returns and minimise risks from MYR perspective, whereas other bond funds like RHB ATR is a Feeder Fund which feeds into Singapore-based United Asian Bond Fund.

The wild swings that u see in the chart must be from forex fluctuations.

I) On a separate note, perhaps some of the older or more veteran UTF participant may or may not have noticed; that is, in the earlier 2016, we were all talking about equities UTF such as CIMB APDIF (Ponzi 2.0) and also CIMB Titan Fund (Titanic).

II) Then in 2H-2016, we went down to lower volatility UTF such as RHB AIF

III) Now, towards the end of 2016, most of us are chattering about fixed income UTF.

This shows that perhaps, our risk tolerance are dropping. Our perception is that market is more risky at the end of 2016 compared to beginning of 2016?

Nobody want to consider AHSIF ?
Heard from agent that it is very popular by corporates.

Friend,

consider this thus: AHAM SBF versus AHAM SIF, in terms of risk to reward ratio, AHAM SBF wins by a massive margin.

Consider this again: AHAM SBF = bond = lower sales charge = lower commission.

Consider this perhaps: AHAM SIF = balanced fund = higher sales charge = better commission.

Perhaps you may come to some illuminating deduction?

Xuzen

give her a returns of 7% pa....any extra you sapu into reserves fund.....any short of 7% you top up from the reserves fund....
if that is ok...then more leeway to "play" about with the portfolio.....

https://secure.fundsupermart.com/fsm/#!/home
and we are still stuck with 2% and old interface. lol

You can get 0% with yet older interface, aka eUT. LOL.

Promoting UT is not thr right way. We should promote ETFs as it's cheap cheaper in the long tun and statically, it will beat UT most of the time.
Agreed. The 0.1%/quater is a killer.
That's what I am planning for FSM SG. Use their info then use eUT.

How many people you know invest using RM5k?
If 6 funds = RM30k already.  How many can fork out RM30k/month? If I have RM30k/month to invest, I would have choosen ETFs. If maybe one time RM5k/month/fund it might be doable.  But if RM30k/month, don't think so

I have no problem if they want to charge 2% SC for small investments. But when it comes to bigger investments, that's where they scheme will appear rather not making sense while other places the fund can be purchased at 0% SC. Even for a gold member, he just gets .5% off the 2%, ie he still needs to pay 1.5% SC. Any promotion comes with 1% SC or 0.5% SC would just render the whole "reward" scheme useless.

I think they have to desire to make more money from the bigger investments because that's where they could get enough money to sustain the operation but I think this is not make sense from investor point of view. With competition around having different offerings, this scheme is seen as "punishing" the bigger investments.

I don't know for sure how eUT gets money to fund their operation. The fact that they offer 0% SC for bigger investment amount, that's something which make sense. Maybe they get it from the fund management company via the management fees. But it is a rewarding scheme for investing more ! Not the other way round.

How to buy ETFs in Malaysia ?
Do we have a LYN thread on ETFs ?

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.

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.

Really? dasecret siad direct switching won't incur charges.  No credit points to play with.

I don't suggest you to read all the post here. To be fair, the post in this version is trending one direction. Alot of new investors talking about rebalancing and skimming profits. And to be fair, they are new, while they mean good intention in giving their opinions, please understand a certain level bias exist...

I think it may be more beneficial for you to read the articles on fsm. Take the information but form your own judgement. After all, fsm articles are written by humans not fortune tellers.

On a more objective view, if you do comparison between malaysia funds and non-malaysian funds and looking at performance over long period >5 years, you will find that definitely the malaysian funds are better.

2 reasons i can think of:
1) cause lack of forex to make it more volatile.
2) non-malaysian funds have not always been that great last time (possibly due to lack of expertise, or other reasons, but i think pinkspider here mentioned once, many years ago people suffering badly due to china fund and barely struggling to break even, even now). Caveat: Lately it has been really good, but please note that this is mainly due to weak ringgit. I am unable to objectively assess whether without this effect, would the funds be showing such good return or a positive return in fact (a message i have been trying to caution new investors but falling on deaf ears).

PS. I cannot stand people who do not give any input to the conversation and never once above I read any facts or numbers from them to back up their principles but instead chose to be passive aggressive by calling us nay sayers. I would suggest if you cannot be nice or be productive do kindly not post anything at all

On a more serious note:

eUT which is Phillip Cap's UTF distribution division is not their main bread and butter business. Phillip Capital is actually a fund house, that is. their main core business is stock-broking, asset management (they actually have their own in-house UTF - which suxs actually when compared to KGF / Kapchai).

The eUT biz is more of a by the way kind of biz. That is why you will notice they do not put much effort into it, unlike FSM. FSM is more serious into this biz.

Phillip Cap has their own UTF and they also create mini customized UTF for individual HNWI (min invest RM 400K). Those are their core biz, not those RM 100.00 per transaction kucing kurap biz.

Xuzen.

I did some minor tweak for 2 of my supplementary portfolios today. I switched out completely from Eastspring Bond Fund into the Affin Hwang Select Bond Fund. Less volatile with higher yield.

Where else can you get such a good deal?

After the last scare with the Malaysian bond funds, I realised I have invested too much in it and it is time to cut down my exposure to Malaysian bond funds.

Exactly. Should have reduce at least 10%

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?

What's the difference between Ponzi 1.0 and 2.0 in terms of portfolio again?

Anyone still doing top up (not DCA) on Ponzi 1.0? I realised I haven't touch it since 2014. LOL!

I'm curious. how much did you make from two years in Ponzi 1

I supposed the worst is over now for Malaysia exposed funds. At least for now there are some gains and some losses, not like previously just one way lao sai.