D1U! WTF is that?

There is a Chinese saying, "Counting dead leaves / grass" meaning too calculative. If you think the platform fee is too much, then move over the bond portion to eUT lor (Phillip Mutual Berhad's UT platform aka FSM's competitor). Problem solve!

Xuzen

Lai lai come tell Abang Xuzen your problem. Abang Xuzen lend his shoulder for you to cry on....

Which unit trust fund is it that you want?

Xuzen

This post has been edited by xuzen: Jan 25 2017, 09:12 PM

What you say is consistent with what I have heard amongst the analyst / fund manager. That is;

===> US Small cap will do better compared to large cap in 2017 especially those very domestic oriented US companies.

Xuzen

This post has been edited by xuzen: Jan 25 2017, 09:19 PM

Technically you can buy from Phillip and FSM, but this is classified as wholesale bond and is only open to Accredited Investors. Not for retail or regular Joe investors.

The closest cousin avialable in FSM retail setting is either RHB ATRF or AHAM Select Bond Fund. And between these two, Esther Teo FTW!

Xuzen

This post has been edited by xuzen: Jan 25 2017, 09:38 PM

What is it that I am right again? I tok-kok all the time wor!

Xuzen

---- edited ---

This post has been edited by xuzen: Jan 26 2017, 12:09 PM

kasi support sikit.... all this goes into Xuzen Jr college fund.

Xuzen

Note 5 with MS Paint

less than five minutes. Any job, given the right tool, becomes easy - peasy.



This post has been edited by xuzen: Jan 26 2017, 03:31 PM

Good start with good diversification. Unlike some heroes who start with ten to fifteen funds.

Xuzen

Is it?

Hi there Jennifer!

Sudah makan ke belum?

Xuzen

P/s Let's play I spy. I spy with my little eyes and I think the little undercover mole from FSM is T231H.

This post has been edited by xuzen: Jan 26 2017, 08:54 PM

You have got the diversification part right, only thing for me personally I would prefer to go with RHB AIF for low volatility (less risky) plus Manulife US (better risk to reward ratio) and avoid Malaysia for the time being. You may consider India and / or RHB Emerging Bond

RHB AIF @ 30%
India @ 10%
RHB EMB @ 10%
US @ 15%
REITS @ 35%
AHAM SBF @ depends on your age,

Xuzen.

This post has been edited by xuzen: Jan 26 2017, 09:05 PM

Ha ha ha!

Friend Vanguard2015,

You = worker?

I ingat you boss

Me = worker lar = the perrenial regular Joe.

Happy CNY, Gong Si Fa Cai plus Sin Nian Kuai Ler!

Xuzen

Friend Vanguard 2015,

How quaint! I am also in the similar demographic as you. We are from the same generation, that is, Gen-X'ers.

My following post is actually meant for the younger working adults, those school leavers who have just entered the working live. Hang in there buddies, wealth will come. I mean normal wealth not those obscene wealth derived from unlawful or corrupt means.

Vanguard, I believe and I are your regular worker type. We are not businessman and we are not those born rich type. We are your regular Joes, who after graduating from uni, got our first job, jump companies like a few times and just work, save and invest what we could afford. .

I do not flip properties, do not trade shares or play option. Do not play forex etc. My wealth is mainly in the KWSP which is accumulated from years of regular employment. From there I do regular withdrawal to participate in the KWSP-MIS scheme since ten years ago.

Do not be too in too hurry to get rich by doing things that are risky. Don't try to be hero like listening to your peer to play forex lah, flip properties lah, binary option lar etc.

Stay cool, go for the long haul. You can do it and retire comfortably.

Two years ago I was in the maket to change my old beat up MyVi and even I could afford to hire-purchase a D-segment car like Camry / Teana or Accord, in the end I settled for a Honda City full spec. Why? Always live below your means, it generate much less headache.

If you are being taxable, then watch your tax, plan it in advance so that you can minimize your tax payable.

And lastly, stay healthy and stay away from risky behaviour.

Xuzen

Children edcuation plan:

I) I bought a Investment Linked endowment plan under AIA (formerly ING). Bad plan, bought it when I was still blur blur about financial planning. I did not buy anymore ILI product for my subsequent children.

II) SSPN ( die die must contribute)

III) Refinance my residence house when the time comes.

IV) Use part of KWSP account two.

No, I did not invest in stock and only in fund coz, I found that I want to be passive investor.

Xuzen.

No, friend. If you have followed my writing, you would realize that I am a moderate risk taker. I will probably do not have the risk appetite to stomach being an entrepreneur. I think being a business man is too much trouble, I see my boss, and I don't think he is a happy man.

Your second question actually made me think a little what I would do post retirement, that is, around twenty years from now.

I suppose if I am still healthy at the age of sixty five or so, then I will most likely participate in NGO or charity organisation to pass my remaining time on this planet. Be a social worker, or work with disenfrachised youths or participate working with soup kitchen or working with homeless people etc... These are some of the ideas that I have kept at the back of my mind. In the backburner.

Xuzen

Making a suggestion or initiating a call is good, nothing wrong with it. However, in your last sentence you admit you do not know what is right or wrong and you do not have opinion and yet you suggest people to not buy a certain product. You sound like a poser to me.

An proper simile would sound like this: It is like a domestic cat trying to roar like a lion.

Xuzen

This post has been edited by xuzen: Jan 28 2017, 08:06 PM

Good man, I do participate in the PRS albeit mainly for the tax relief only. Should the tax relief be removed by the authority for whatever reason, then I shall discontinue my participation.

Xuzen

This post has been edited by xuzen: Jan 28 2017, 08:00 PM