Partially correct.

This is because RHB EMBF is mostly government bonds, but rather diversified EM coverage, although forex factors make this fund less like FI fund. Good side is this fund's RRR (risk return ratio) is getting good

Plus GEM doesnt really diversified much in EM market due to heavy exposure in China (similar to how global and DM funds heavy in US).

This post has been edited by AIYH: Jan 24 2017, 09:42 PM


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why not split to both?

For reference

First chart:
Orange = S&P 500
Blue = Pioneer US (Manulife US target Fund)
Red = Manulife US
Green = MYRUSD forex

Second chart:
Orange = S&P 500
Blue = Fidelity America USD
Red = Fidelity America SGD
Green = SGDUSD forex

contestchris, recalling about currency difference and hedge, here is the examples:

Third chart (fund with currency hedge) (bloomberg only have 1 year and 5 years, sgd hedge class dont have full 5 years data, so using 1 year data):

same lgend with second chart with one extra:
Yellow: Fidelity America SGD Hedged

Notice that SGD hedged and USD class have same performance, with SGD class (without hedge) influence by SGDUSD forex

Fourth chart (fund without currency hedge) (USD class release less than a year, so apologize for using one month data ) (original asset based in USD)
Orange : ponzi 2 MYR
Blue: ponzi 2 SGD
Red: ponzi 2 USD
Green: MYRUSD forex
Yellow: SGDUSD forex

Notice as currency appreciate/depreciate against USD, MYR and SGD class fluctuate because there is no hedging protect against forex risk

0% SC and 0% platform fee, standard feature, usual initial purchase and top up amount applies

Don't divert too much, if want discuss SG feature, better go FSM SG there to discuss

This post has been edited by AIYH: Jan 24 2017, 10:21 PM


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I feel like I had explained this before, but nvm

In mutual funds (ASB is also a mutual fund), when distribution declare, their NAV will drop accordingly.

But since ASB is a fixed price fund (NAV=RM! all the time), without performance, the distribution is reinvested as additional unit without NAV drop. Hence in ASB, you can say their dividend/distribution = performance.


This is not the case for most of the mutual funds where their NAV fluctuate and represent their performance instead of distribution, because distribution will decrease in NAV and when reinvested, your fund value doesnt increase, so distribution or not doesnt dictate its performance.

p/s: now i can understand how ASNB and PM's advertisement on their dividend declare mislead the public thinking distribution = performance

Don't forget about platform fee

Btw, which bond fund so good, 3 months 4% consistently?

3 months 4% consistently means 1 year 16% consistently

bro, fixed income fund 16% p.a., where got wo

This post has been edited by AIYH: Jan 25 2017, 08:05 PM


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Erm, you do know it is available in poems sg right?

Didnt we discuss this before?

If you see the break down and the previous post chart (not in tagged), is actually not advisable to go for GEM because its heavy in china, might as well go directly into dragon fund

but on your side on switching from gem to kapchai, well, for diversification pov, we choose the best out of their respective category, in the case of malaysia, i think kapchai deserves that to keep it through ups and downs

Same for china league where dragon deserves more than GEM which even though it has other country, but their part is insignificant, in the same way that global leader or titans other countries portion rather insignificant compared to major US allocation

p/s: on a side note, dragon fund actually feed into the Schroder ISF GC fund, and the dragon performance also up alot due to myr depreciation

***how you guys post the picture in the reply directly instead of attachement?

This post has been edited by AIYH: Jan 26 2017, 09:45 AM


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RHB AIF and CIMB APDIF choose one

For US, refer attachements, IMO, manulife US


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1) in FSM MY, platform fee is only 0.2% p.a. for FI

2) EQ/Balanced charges normal SC (promotional SC if within promotional period subject ot T&C), no platform fee

1) That's why one should only invest the money one can afford not to lose within a reasonable time frame, one should have a sufficient emergency money before putting extra money oversea for investment to minimize the chances of withdrawing oversea investment money that bear the risks you mentioned

2) Depending on the investment vehicle/platform, for Singapore, you can have banks such as CIMB to transfer between Malaysia and singapore without TT charges (although there is the forex spread, as long as you do not do this frequently, this should not be too big of a concern)

This post has been edited by AIYH: Jan 26 2017, 05:31 PM

depends on how much money you dca

Normally I DCA minimum amount

If I plan to invest in Singapore, I will transfer from CIMB malaysia to CIMB singapore without TT charges.

Yes, forex risk is there, but if the investment vehicles' potential outweigh the cost, one should not be too concern on that

That's why you should only do this for medium to long term investment

If you do speculative investment or setting emergency fund oversea for short term and the cost overweight your profit, of course will die

It also applies to CIMB sg to CIMB MY if you read the SG website product feature page

I also inquired this via email and their reply verified on this

But is only CIMB SG -> CIMB MY (conventional) with same RM limit

Aside from the difference in bid ask spread, and the forex appreciate depreciate performance, I can't think of any other cost that involved in the process of transfer money I mentioned previously

Unless you know other cost in this process (put those investment platform cost like brokerage commission or platform fee aside ), share with us

Beside platform fee and SC, FSM itself dont charge any extra from you

If you FPX your money to FSM, they absorb the FPX fee for you

Transfer in is free without additional SC

Other charges like switching fee and redemption fee you might need to look into the individual fund/fund houses as they are the one charging them

Follow ex date

FP means? Fund Prospectus?

NAV is just net asset liability over unit, unlike share price, which reflect company's financial health

There are different ways to assess funds, but first of all, you will need to know which asset class and portfolio allocation you prefer based on your risk profile

From there, analyse the funds based on asset class and region, you see their annualize performance, as well as their volatility, then their RRR (risk return ratio) to see which fund perform better given the risk compared to its peers

Besides FSM, you can use these websites below:
i) morning star which contain financial ratio and correlation between funds
ii) iportfolio.com.my which contain basic performance info and include fudns from insurance company
iii) bloomberg which you can compareit against forerx graph for funds denominated in different currency

Other than that, you are basically right in your FFS reading approach, beside performance, you need to understand why the fund perform, under what event, and whether it has bright future to perform consistently you may also consider reading their annual report and follow some news to understand more about the fund

You can filter by shariah compliance in FSM (then sort by RRR), but to be honest, shariah compliance funds are very limited, suggest to open your choice if you can

This post has been edited by AIYH: Jan 27 2017, 10:40 AM