Let's say there is a global economy downturn next month. Which funds would be safe from it or at least has the most minimal impact from the economic downturn?

Any recommendation?

Sorry to ask this question:

May I know why Affin Hwang Select Income Fund service charge is 1% instead of 2%?

This could be asked by others before I think but my memory is poor.

Affin Hwang also charges 3% instead of usual 5.5% for Affin Hwang Select Income Fund

So it appears to me that this SC of 1% is its normal SC, meaning if one purchases it, he can get additional discount based on his reward tier. It isn't a promo SC.

sorry, I got no idea which fund you are referring to....
I just simply "tembak"...
I got my Affin hwang select Bond fund distribution data already....

I think I remember yklooi said he bought that AFSBF directly from AH, not thru FSM
thus he maybe able to view the data from I-access.

your FSM funds holding page have not displays the updated data yet?
the X-date of that distribution is very long time already....19 Dec

Not yet, Kenanga usually even slower than FSM 
Interestingly Ponzi 1.0 was updated since last week

Anyway, FSM's performance chart is adjusted for distributions very quickly. Just that individual holders' distribution not updated yet until you receive the email on distribution. You can manually calculate the distribution and include in your own spreadsheet. But I don't bother la

This is the reply from FSM on Esther bond :

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oh yeah. shit. it's a participation event. fml. thanks David. I'll go back to the drawing board

instead of tomorrow.....wait till 14 Jan?
got another week to decide......
btw,...he who hesitate MAY or MAYBE NOT lost for now......it is for the whole year portfolio....

but looking at the chart.......FLAT for 9 mths?? 

My only problem is RM25 switching fee. India is too volatile and will be a waste not to exit on a high.

Don't like the idea where they lump Indonesia which is a totally different demographic, culture, beliefs, government into three. honestly I put myself in the fund manager's shoe and it feels like it's neither here nor there but that's just me. i am an extremist. you can find me on other side of the spectrum but never in the middle.

Fund NAV will raise if USD raised? or just mergely because of their higher/better income?
if aim exchange rate, rather buy/exchange more USD now, isn't?

My question is very simple. If what you say is true, we should have seen much better regional and global returns in the past 2 years since the MYR has depreciated by some 30%. However I am comparing the performance of these funds to their underlying funds and there doesn't seem to be any major deviation in performances. Why is that so?

Btw underlying fund for RHB US Focus Equity fund is the Schroder International Selection US Small and Mid Cap Fund.

would you mind to tell under which fund house you managed to switch?
I tried to switch from affin hwang bond fund to affin hwang select asia (ex japan) quantum fund & rhb emerging bond fund to rhb gold & general fund, both prompted me 2% sales charge   
but when I tried to buy using FPX, the sales charge is 0.5% only for the above equity funds..

I know that. Which is why i am taking about the underlying mother fund. The mother fund is not exposed to forex risk. It is denominated in USD and invests solely in the USA.

I done two switch today, both also 2%.
was planned to switch next week but realise today got such promotion then I do it today,
Jimat 1.5%.
Had finished switching my 25 Funds into 18.LOL

I see. Then I shall redeem my bond fund and have the proceeds in Cash Management Fund so that I could make purchases on 14/01/2017 with the 0.5% sales charge instead of today

thank you very much. I tried to switch from affin hwang bond fund to rhb gold & general instead of affin hwang select asia (ex japan) quantum fund, it is 0.5%. 
For the credit system, I am facing some dilemma since I have fund from few fund house like RHB, CIMB-Principal, Eastspring Investments etc. If I were to purchase one bond fund under each fund house to park the proceeds from the fund which I lock the profit to earn credit points, then I would have many bond funds. I need to do initial investment for bond fund first, as the profit that I usually lock (usually lock 10% of profit, so for RM 3000 invested, profit is RM300) is insufficient to initiate an initial investment for bond fund. Therefore, I resulted to park the proceeds in CMF.

And assuming I initiate a purchase for bond fund and have the switching proceeds park into it, I earn 300 credit points. Later,  when I want to purchase a fund under a same fund house, the 300 credit points accumulated is not sufficient to meet the initial investment threshold again..So I have to repeat the steps like I did for bond fund, initiate an initial investment for the fund which I wish to purchase using the credit points earned (which is subject to sales charge), then only I could utilise the credit points for subsequent investment... On top of that, there is bond fund that has redemption fee if sell within 1 year of purchase such as RHB Bond Fund.. so make it less sensible to use the credit points knowing that I will be penalised an exit fee if I were to use it within 1 year for a purchase ...

However, gathering the proceeds from the funds I have under the few fund houses into CMF, I could easily accumulate sufficient fund to initiate a purchase and of course some little gain from CMF. Given sales charge is a concern, if I purchase when there is promotion like 0.5% sales charge, for every RM 1,000.00 I invest, the sales charge is only RM 5.27 including GST which is bearable.

My two cents. I still could not view how is the credit system beneficial to small investor like me.

if you mean most diversified in terms of the number of countries it invested in?....
then this is better 21 Vs 12

uhhhh nobody updated what transpired yesterday? who went?