Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
19 Pages « < 15 16 17 18 19 >Bottom

Outline · [ Standard ] · Linear+

 FundSuperMart v17 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

views
     
Avangelice
post Jan 31 2017, 04:03 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(wayne84 @ Jan 31 2017, 04:01 PM)
Yes i did. Greater china also one of my holding fund. 5% only. doing quite well..up down up down and still up now. i consider china is my striker of the fund. lolx bond as my goal keeper..
*

lol. you. I like you already. You are on my favorite list now
Avangelice
post Jan 31 2017, 04:07 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


Yeap. Confirmed that my timing was spot on for Kapchai. Did a switch on the 26th of January from GEM at RM 0.6612. Current price of Kapchai now is 0.6635.


Avangelice
post Jan 31 2017, 04:08 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(puchongite @ Jan 31 2017, 04:07 PM)
That football team analogy was used by David Ng of Affin Hwang in his talk.
*
aaahhhhh...no wonder. Nice analogy. I tend to use the construction of the Pyramid of Giza and cake baking as my own personal trademark when explaining to new investors

So defenders are = Balance funds?
Avangelice
post Feb 1 2017, 10:06 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(cherroy @ Feb 1 2017, 09:54 AM)
Reminder,

Please use multi-quote instead of posting several consecutive posts.
Ty.
*
thank you! it been irking me alot lately when new members spam the thread with multiple threads.
Avangelice
post Feb 1 2017, 11:35 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(contestchris @ Feb 1 2017, 10:44 PM)
I'm not saying I am correct...not at all. But in deference to everyone's advise over here, I felt strongly enough to give it a try. Why not? I may lose 1-2% AT MOST, but it's a learning experience. I respect everyone's views here and I learned a lot from the kind members. They have gone through thick and thin, I'm yet to go through those phases. I begun investing on 27 Dec 2016...still just a very small baby, a few days older than a month.
*
are you able to let us know your current portfolio and how much your ROI as of now? with that many trades your returns should be more than mine which is passive.
Avangelice
post Feb 1 2017, 11:50 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(contestchris @ Feb 1 2017, 11:35 PM)
Not sure if I get you. I had 3 CIMB, 2 RHB, 1 Eastspring/Kenanga/AffinHwang/TA. The only issue I have with switching is with RHB due to RM25, so I am not touching those until I get 20k into my RHB funds and consolidate them together. RHB actually has the most potential since it has a Gold Fund.

My Eastspring and Kenanga investments are local and I do not intend to be switching these, unless things are really bad, cause both KGF and Kapchai have a good track record of outperforming the index.

All the fund houses offer a great selection of local, regional, emerging and global funds, including discrete foreign countries. Choosing a fund house with a wide selection was an active decision I made, to be honest. And all except RHB offer free switching, but RHB is the only one with a Gold fund which will be a useful tactical weapon once I got a bigger capital in there to minimize the RM25 switching fee (in % terms).
*
Fund A(1)=3000
Fund A(2)=3000

both purchased at service charge 2%

Fund A(2) returns are not satisfactory so switch to fund A(1). here's the kicker. Switching can only be done by switching ALL units.

so fund house A(1)=6000

three weeks you want to buy into fund house A(2) you need to pay for service charge right?

also

RHB 25myr switch is nothing.

eg 25myr on 20k is just 0.125%
Avangelice
post Feb 2 2017, 08:44 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(vincabby @ Feb 2 2017, 08:33 AM)
early morning post before i start work. my confession. invest 2 years on and off and my ROI is just around 3.xx% and that young gun got 4.xx% in just 1 month's time. what an amazing feat! however, if you have the time to do the switching and what nots then great, it could prove to be a blessing if it can be done. but for people who just want a 'passive' investment, i will rebalance it when i need to. to each his or her own. if that strategy actually works, he will hold that accolade high and might start a new trend. time will tell my friend, which you all the luck in the world cos God knows you need it more than we do.
*
got a feeling that if this becomes a major concern to the fund houses, fsm will be implementing a limited switching per month or reward those who have been keeping the fund for X amount of years.

doesn't take a lot. out of 1.5% per annum charge you give a little back to those who stayed. win win situation.
Avangelice
post Feb 2 2017, 09:47 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(vincabby @ Feb 2 2017, 09:43 AM)
i updated it last week so it should be correct? to be honest, my fund performance is nothing to shout about so that's why i don't like to say it out.
*
what went wrong bro. I remember you have smart treasure
Avangelice
post Feb 2 2017, 10:21 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(vincabby @ Feb 2 2017, 10:00 AM)
yea. sold off smart treasure for a loss. i kept smart income since it's the same as smart treasure. then sold anita and get esther teo fund, so a bit of rebalancing there. I'm not sure if I did anything wrong but guess that is my earnings?
*
QUOTE(puchongite @ Feb 2 2017, 10:15 AM)
But I supposed if you sell off the entire fund ( at a loss or gain ), and invest in new fund, ROI will be low.

I don't use the spreadsheet thing. Does it still keep track of sold funds ( gain or loss ) history ?
*
vinc you need to use the spread sheets. doing any movements in your portfolio will fuck up your current roi.

example my roi in November was 6% but I pumped 30k into my 20k portfolio, did a rebalancing of Anita and kapchai. purchased esther at 11k, Ponzi 2.0, rhb AIF, dragon and etc.

major top up and my roi became 0.5% but I didn't lose any money as all I lost was paper gains I once had. use the spreadsheet. don't give up. don't chase returns.
Avangelice
post Feb 2 2017, 10:30 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(vincabby @ Feb 2 2017, 10:26 AM)
thanks for the comment! i had no freaking idea. so in the end, it only shows what my current portfolio is doing and what is sold is irrelevant then. in the end of it all, how would we know if we did well? just from the amount we got compared to initial investment over n number of years? or when you sell your portfolio as a whole?
*
Your total capital that you placed into your portfolio and compare it to any other investment vehicles like epf and fd over the course of your investment period. That is how I deem my unit trust investment as successful or not.

Do the calculations now vinc.
Avangelice
post Feb 2 2017, 03:51 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


I m against merger of threads into this big thread because of a few. I am using FSM platform. I care not if your portfolio is under another platform. your choice if you want to sacrifice ease of you over a few percentage.

I keep seeing people harping hey eUT is good. if it's so good why is the main thread for eUT dead?
Avangelice
post Feb 2 2017, 04:14 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(David83 @ Feb 2 2017, 04:04 PM)
FSM Fund Choice: Affin Hwang Select Asia (Ex-Japan) Quantum Fund [February 2017]

https://www.fundsupermart.com.my/main/resea...uary-2017--7950

Promo: 1% SC

https://www.fundsupermart.com.my/main/resea...antum-Fund-7949

Ponzi 1.0 rclxms.gif
*
meh. should have included Ponzi 2.0

Avangelice
post Feb 2 2017, 09:50 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(shankar_dass93 @ Feb 2 2017, 08:37 PM)
https://www.fundsupermart.com.my/main/resea...antum-Fund-7949
Any of you guys here are planning to take advantage of this promo ?
*didnt know that someone else has already posted about this sorry.
*
Don't buy into sales. don't let sales affect you like Gucci sales affect women. Don't catch too many pokemon. I'm sitting this one out because I already have Ponzi 2

QUOTE(yklooi @ Feb 2 2017, 09:27 PM)
rclxm9.gif  rclxms.gif  self ego boosting..... bruce.gif

1st time having this YOY 10% ROI  icon_idea.gif

just for my self ego boosting ONLY...
Queries or responses may not be reciprocated.  brows.gif

ya-hoo  tongue.gif

psssst...I started from the low base after the 6% drops in 1 month
*
good job!
Avangelice
post Feb 2 2017, 10:38 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(biastee @ Feb 2 2017, 10:25 PM)
Allow me to guess why some people stick to cimbclicks despite FSM's benefits. Those whose salaries are paid into CIMB, may find it more convenient to do regular/periodic top-ups into the funds within cimbclicks, especially when both saving account & unit trusts are on one web page and using one login. There is no need to transfer the money to an external platform. Also no need to apply for an account with FSM / eUT. Moreover the money invested in unit trusts also adds to one's asset-under-management in CIMB which may earn priority banking status and hence preferential FD rates (currently 0.9% higher than board rate for 3 month FD).

However, there is no question that FSM is superior to cimbclicks for comparing fund performances and other research.
*
I do not agree.

I have an ocbc iq account with slightly special privileges esp with my home loan attached to it. everytime pay day comes my entirety of my pay check goes into home loans, car loan, ptptn, and finally savings which is divided into fsm and monthly savings.

all it takes is just a click to send the funds through fpx and then to CMF.
Avangelice
post Feb 2 2017, 10:45 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(hurtedheart @ Feb 2 2017, 10:44 PM)
Is the FSM FPX facility extended to OCBC bank? In my impression it is limited to few local banks, perhaps I am outdated?
*
lol outdated buddy. it covers most banks and they pay for your fpx charges. so it doesn't give a legit why someone would still use banks for unit trust
Avangelice
post Feb 2 2017, 10:47 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(T231H @ Feb 2 2017, 10:46 PM)
Q:
What are the participating banks for FPX?

A:
Currently, there are 10 participating banks for FPX:

• Am Bank
• Affin Bank Berhad
• Bank Islam Malaysia
• Bank Rakyat
• Bank Muamalat
• CIMB Bank
• Hong Leong Bank
• Maybank2u.com
• Public Bank
• RHB Bank
• United Overseas Bank
• OCBC Bank
• Standard Chartered Bank

https://www.fundsupermart.com.my/main/faq/0...-Methods-2409#4
*
Hi! how was work in fsm office today? (cheeky joke)

#donttakeitseriously
Avangelice
post Feb 2 2017, 10:50 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(hurtedheart @ Feb 2 2017, 10:49 PM)
Ops haha,  I'm really outdated then, doing double job to transfer from OCBC to MBB for FPX purposes.

OT: IQ bAsic account doesn't seem to offer free instant transfer anymore effective jan 2017.
*
Yeap not anymore I think it applies to all banks but they have reduced the instant transfer to 53 cents so still okay in my book.
Avangelice
post Feb 2 2017, 10:54 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(T231H @ Feb 2 2017, 10:52 PM)
hmm.gif same same like most office works...
sometime happy and some time moody.
sometime hectic and some time nothing to do.
but I think the perks is sometime get to see Jennifer.  wub.gif

(cheeky joke)

#donttakeitseriously too..... tongue.gif
*
lucky sob hahahahahahahaha. my clinic no pretty colleagues all aunties. dammit.
Avangelice
post Feb 2 2017, 11:08 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


CIMB Clicks eInvest
Type of Fund Sales Charge

Equity Funds 2.50%
Index Funds 0.75%
Bond Funds 0.0 - 2.5%
Money Market Funds 0%

https://www.cimbclicks.com.my/unittrust.html

http://www.cimbbank.com.my/en/personal/sup...ng&n=unit-trust

I will just leave this right here.

add on. sell or switch needs to go through RM or call center.

Yes, you can perform online switching of units via CIMB Clicks.
However if you wish to perform transfer and cooling-off of units, please contact or visit:

Your Personal Financial Consultant or dedicated Relationship Manager at your nearest CIMB Bank branch
Call CIMB Consumer Contact Centre at +603 6204 7788

sibeh mahuan. anyways I hope my post puts a nail to the coffin about another platform argument obviously this one sucks balls. let us not talk about it in this thread ever again. thanks

This post has been edited by Avangelice: Feb 2 2017, 11:19 PM
Avangelice
post Feb 2 2017, 11:14 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(xuzen @ Feb 2 2017, 11:09 PM)
Actually not bad also what... 2.5%. 0.5% more than FSM. But they got promo 1% or 0.5% boh?
*
tried looking for more information on their switching facilities and etc (which can be found in fsm page without logging in) but alas the information eludes me which brings me to a conclusion it's not that great. pfft

19 Pages « < 15 16 17 18 19 >Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.1521sec    0.43    7 queries    GZIP Disabled
Time is now: 10th December 2025 - 07:56 AM