This is why aside from performance data, you need to understand the market and funds' fundamental to see which fund is good, can still perform despite market down turn and can gain better return over long term to preserve what you gain previously while still gaining potential return

Kindly refer to its pricing structure

https://www.fundsupermart.com.my/main/home/...ngStructure.tpl

Yes and yes

The switching fee that some funds imposed are not charged by FSM, rather, they are charged by the respective fund houses. So technically, FSM is right on not charging you on switching cause they are not the one charging

Thought that was inclusive in NAV?

Yes, but that is harder to quantify directly, more over it is reflected in the performance, so by comparing peers, you can see from there, although you can do the annual management fee comparison, but it is like what is the point of low management fee if the fund cant perform?

Basically global or developed market funds are still heavy weight on US, then eventually having similar performance (at least trend) with US centric market (see graph)

So based on the data available, manulife US will still be the better bet among them.

probably you may want to consider other allocation have different correlation with this segment

I planning to reconstruct my portfolio with my recent realization on this, but still need time to study and understand, and most importantly, money

This post has been edited by AIYH: Jan 11 2017, 11:01 PM


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BUt from the previous chart, observed that manulife US (pure US) and ta europe (pure EU) have the same price trend, yet US enjoy lower volatility than EU

Annual management fee was already reflected in the daily NAV, and performance is based on NAV movement plus distribution reinvested, therefore, you no need to deduct that

The only thing that is not reflected in the performance is the sales charge you pay

It does annualized to 8-10% in 5 years

However, thats very volatile as a bond fund

If you decide to follow Ramjade's allocation as below:

I suggest you the following portfolio:

CIMB-Principal Asia Pacific Dynamic Income Fund - MYR / RHB Asian Income Fund
Manulife Investment U.S. Equity Fund / TA Global Technology Fund
AmAsia Pacific REITs - Class B (MYR) / Manulife Investment Asia-Pacific REIT Fund
Affin Hwang Select Bond Fund - MYR / Libra AsnitaBond Fund

mobile or web?

I can log in both

Have you try to log in?

You apply online right?

I thought that time you put your own password dy?

EH, tbh, I also dont know what kap chai means

what language is that?

FSM SG has more choice though

To give you a lead, currently non of the US/developed market/ global funds available in FSM MY can compete with S&P 500, but in FSM SG, so far I can find 2 of them

I try not to go over FSM MY topic by focusing my intention towards comparing US mutual fund performance selection in MY against other countries

In FSM SG, only 2 funds managed to beat S&P 500 in 3 years time, other funds stand no chance (especially these 2 funds still beat S&P 500 even considering the performance of the 2008 crisis)

From fund selection, filter equity US, then sort by risk return ratio (surprising available in singapore unlike malaysia can only filter through sharpe ratio, which might be misleading from the data available)

Fee wise, this is the investors' responsibility to do research to understand their available options since unlike Malaysia, they have much more choice to compare and consider

Try ask this in FSM SG thread to prevent being OT

But following the faqs, should not be hard to open for malaysians, the only thing you need to consider are:

i) payment choice, go the tough route on opening sg bank account to facilliate easier transfer, or just TT to cash account but incur TT fee

ii) similarly with MY, their competitor(s) like Philip Mutual provide better discount on SC compared to FSM

This post has been edited by AIYH: Jan 13 2017, 12:33 AM


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I can understand his desire, I am also a fresh grad

And ram is still a student although I believe we all are the same age ( i think )

Is ok to be desire to know more as long as you do your due diligence in research and understand things

This post has been edited by AIYH: Jan 13 2017, 12:48 AM

Malaysia lacks index fund in comparison to mutual funds.

Even if you want, there are KLCI index funds available in FSM (but i think is just mutual funds tracking KLCI index)

Lee Sook Yee and Chen Fai Fai are KGF and kap chai's fund manager respectively?

I place order in 14th for SC discount and pay right away because it coincide my RSP date when you consider the processing time

river.sand suggest, Avangelice approved