Fundsupermart.com (FSM) Malaysia is the online unit trust distribution arm of iFAST Capital Sdn. Bhd. ("iFAST Capital").

iFAST Capital is a holder of a Capital Markets Services Licence (CMSL) and is licensed by the Securities Commission to conduct the following regulated activities:

- To deal in unit trusts
- To offer investment advisory services
- To deal in Private Retirement Scheme

iFAST Capital is also registered with the Federation of Investment Managers Malaysia (FiMM) as an Institutional Unit Trust Adviser (IUTA).

iFAST Capital is a subsidiary of iFAST Malaysia Sdn. Bhd., which is wholly owned by iFAST Corporation Ltd. ("iFAST Corporation"). iFAST Corporation is headquartered in Singapore and the iFAST group of companies are also present in Hong Kong, Malaysia and China. The company was incorporated in Singapore on 10 January 2000.

iFAST Corporation was listed on the Singapore Exchange Mainboard in December 2014.

iFAST Corporation, via its wholly owned subsidiary iFAST Financial Pte. Ltd., is Singapore's leading online distributor of unit trusts as well as the leading operator of an investment platform for financial advisers and financial institutions. It carries the Capital Markets Services (CMS) and Financial Adviser (FA) licences issued by the Monetary Authority of Singapore (MAS), and is also one of three appointed Central Provident Board (CPF) Investment Administrators.

One of iFAST Corporation's shareholders is SPH AsiaOne Ltd, the Internet arm of Singapore Press Holdings, which is Singapore's largest media group. In recent years, iFAST Corporation has been expanding beyond local shores. In 2007, iFAST Corporation launched its first overseas business, Fundsupermart in Hong Kong and in 2008, it launched Fundsupermart in Malaysia. iFAST Corporation launched its office in China in 2014.


1. Wide range of information
2. Extensive product range and value-added services
3. One of the cheapest Sales Charges in town!
To keep discussions at this thread fruitful and constructive, it would be greatly appreciated that fellow investors try to look for answer to their queries at Frequently Asked Questions before posting here.

And FSM has a very helpful LIVE Customer Service, MAKE FULL USE OF THEM. Look for this at FSM home page:


What is unit trust?
Federation of Investment Managers Malaysia - ABC of Unit Trusts

Other FAQs on Fundsupermart.com and unit trust investing in general

1. NAV pricing and processing time


2. The NAV price of the fund that I'm interested in is quite high now, should I stay away? Investment gurus always say "buy low, sell high"...

FSM Idea Of The Week: Unit Split and High Fund Price Misconceptions [24 October 2014]
3. Common misconceptions about unit trust dividends/distributions:

(i) After dividend distribution, NAV price will go down, the fund will become cheaper.
(ii) A fund that declares dividends is better than a fund that does not, dividends are my profit, they make me richer.


(iii) Topping up my holdings after dividend distribution pulls down my cost per unit, lower cost = higher profit.


(iv) Distribution = Income





4. Annual Management Charge, Trustee Fee and NAV pricing


5. Return On Investment (ROI) vs Annualised Return, similar to Internal Rate of Return (IRR)

Important link to v8 - The MS Excel Masterclass version!

Download here >>> Pinky's Portfolio Worksheet with IRR Calculation

Download here >>> polarzbearz's Portfolio Summary with Pinky's IRR Calculation (and here for Polarzbearz's FSM-to-Spreadsheet Conversion Tool)


Make sure you read the instructions as many of the cells have formula in it. You can freely modify, update, or change it to suit your needs (and even share with others if you don't mind )

For Mac Users (credit to idyllrain):



Performance data for most Malaysia funds (inclusive of non-FSM available funds like funds available in the respective insurance companies) (credit to dasecret) : iPortfolio

Golden Quote
Happy investing!

Disclaimer -
I am not a UT agent, nor am I employed by FSM. All my comments here are posted in good faith and with the intention to share knowledge. I am not to be held liable for any losses that may be incurred as a result of following any advice/opinion shared here. I believe the same should be applicable for any other LYN members posting here.

This post has been edited by AIYH: Feb 7 2017, 09:37 AM

Continue from FundSuperMart v16 (FSM) MY

Regarding the US Market, it has been dropping for 2 days, so people are profit taking ....

http://blogs.barrons.com/stockstowatchtoda...emains-a-dream/

Checking in..........

link to ver
https://forum.lowyat.net/topic/4089543

more explanation on IRR
post# 2383
https://forum.lowyat.net/topic/4155724/+2380#entry83538694


page# 139, post #2780
This post has been edited by yklooi: Feb 5 2017, 09:27 PM

People like to quote a point in time a lot.. "stocks dropped today" like it will matter in ten or twenty years' time what happened today.

i have a strong sense that Dow will hit the 20,000 mark very soon. I, too already took profit of my titan. just top up manulife US 2 days ago,just in time as US has been dropping.

reporting in!

If you bother to read, the author did not use the two day drops as any indicator.

I have been wanting to reply to your "famous" theory of stock prices will always be up, given long enough time. So I shall mentuon it here :-

I see that people are using the fact that a fund price will go up given long enough time as something useful.

For me that is not a useful piece of information. I can't decide to invest in a fund just based on that.

Ok say you are willing to wait that long, 10 years for example. Still there is a difference between fund A vs fund B after 10 years. Fund A may get 50% ROI, fund B may get 5% ROI.

Furthermore, everyone's time is limited. Not always one is willing to wait 10 years to find out fund X's performance. After all, past 10 years of performance is not even going to allow you to predict for sure the next year's performance.

Often we analyse, we risk, we make guesses, predictions etc etc. So investment is about using whatever means at your disposal to obtain the optimal ROI within shortest time. Not many people will feel achievement for getting 5% ROI on fund X after 10 years.

So the fact that funds prices will eventually go up after long enough time is nothing useful.

Good morning

well said. hence why active management is necessary.

Anyways good morning to all! I thought lowyat has already allowed us to have more than 3k replies in threads? they did an upgrading a few months back.

Depends on individual and their target I suppose

Personally, I already have funds to cover most of the regions, so region wise, I am on the passive management side (will follow the ups and downs of the market in the region)

However, active management will be needed in comparing peers within the same umbrella of region/sector to get the better option within the group

People like to think they have some measure of control over how things turn out, don't they? to me "using whatever means at your disposal to obtain the optimal ROI within shortest time" is called gambling that's exactly what gambling is, people trying to achieve a high ROI in the short term. I'm guilty of that, chasing profit I'm trying to find a way to stop it. It's very misleading, you're pretty much just wasting time and probably making things worse.

Fund A may get 50%, and fund B may get 5%.. but we don't know for sure, so we pretend to know by saying this will happen because A and because B.. but in the end we still don't know nothing has changed even after all this time we wasted. It makes us feel that we are more in control, that we know something. In the end if we still get 5%.. we can say we tried or something.

But your post has given me some insight, some people invest to feel some sort of achievement. It's like they feel they have done something, when they analyze and make guesses and predictions. We look at the short term and we curve fit, find reasons for it. We jump from one fund to another, chasing profit and ignoring losses. People want to be right more than they want to make money.

What is this need to feel that we are right, that we know the future or can tell the future by looking at the past or the present? We all know that if we are well-diversified and keep investing, we'll do well in the long term.

But why is that so hard to do? we always want to play with it, to chase the next big thing. We can't determine whether the funds we invest in will net us 5% or 50%, so why do we try? why don't we just diversify and keep investing and sit quietly for ten years? who doesn't have ten years? I think everyone has ten years. Why should it matter so much whether we have 5% ROI or 50% ROI? we are all kiasu...

Why should we even decide? I mean look at FSM's portfolio, they rarely touch the thing. And they are doing OK. The danger with playing with it is that the numbers lie. If you keep cutting your losses, it will look like you are making more profit but then you don't realize your capital is shrinking.

The problem even with active management within peers is that you end up paying 2% a lot, because peers are pretty much always in different fund houses why not just dump it in a global fund and be done with it?

I've a good mind to just follow FSM's portfolio.. and be done with it. Is all this "using whatever means at your disposal to obtain the optimal ROI within shortest time" effective or worth the effort, or is it just providing you with a false sense of security and control, while losing you money in the long term?

ummm...you know my meaning of active management isn't about selling and seeking profits I think that is the Crux of the problem. in my own terms of active management is to know where to place my money and understand that this country or this fund will do well in the future. I am comfortable on my end with my clinic and I just want to be control of how and where my money is invested rather than just place in FD and be done with it.

I do not agree when people say you are powerless over what goes on around you, I do not agree. the choice to pull out your investment and move somewhere else is power of choosing itself. migrating is power of choice itself. opening up a business in another country is power of choice itself.

also can everyone stop talking about the service charge. it's getting a tad annoying when people keep talking about it while forgetting you are paying for the people who help do the paper work, the platform fees and such. if we all don't pay service charges or annual fees that what's the use of working as a fund manager?

also I want to add being aware of what goes on in the world helps to make judgment on where and what to invest. say for example larisSa who invested in gold. if she would have known or someone told her about the drop of gold last year she wouldn't have made another lot this year when she shifted her investment somewhere else.

This post has been edited by Avangelice: Dec 23 2016, 11:35 AM

But how do you know that?



Try to forecast the weather. Try to make it rain, or stop raining. People forecast sunny weather but they still carry umbrellas.



So why are we not following the advice of the people we are paying?



But if gold were to make another new high in the next ten years she would have not lost money, and in fact made a bigger lot.. and how would anyone know if it won't? what if she kept a little in gold, a little in others.. so if that happened, she would have not lost the capital?

If you lose money, you shift, you lose money, you shift.. eventually you will run out of money right? because every investment has downturns.

This post has been edited by wodenus: Dec 23 2016, 11:56 AM

Good afternoon..
Late check in

just the last part. how much were u targetting in terms of return? you look at 8% as failure so i got to know what you are going for.

Sorry I don't agree. Service charge is an important part. If service charge not important, how come some people want to do ninja credit trick? A little bit adds up over time. It may not seems like much now but try compounding it over 10 years and you see what I am talking about.

I already prove why service charge/platform fees is important (in FSM SG thread)

If service charge not important, be my guest and buy from banks/agents. After all what's 3% saving right?

most of the best funds have a returns of 15% within 5 years. this is just as example as an argument to passive management

we are talking about the Malaysian 2% bro the lowest we can achieve. let us not include SG fsm into this as it is a different ball game altogether. what I am saying is that we need to detach ourselves from focusing on the little thing and look at the bigger picture.

if sales charges and switching fees stop you from making an informed decision to invest your monies somewhere else, that is not looking at a bigger picture hence my argument.