They can impreached a US president?

Platform fees only for bonds. For equities, you pay one time service charge only.

You can stick with 4 funds.
1 Asia Pacific funds/Balanced AP fund
1 US based fund
1 REITS fund
1 bond fund

This post has been edited by Ramjade: Jan 12 2017, 11:18 AM

What's there midleading? It's clearly stated on the FSM page equity. If income = bond fund. Even RHB is equity + bond fund = balanced fund.

Why is that? Please explain why do you think Asian market will be red these 2 weeks?

The dollar is dropping because Trump wasn't clear.

When investors/speculators don't get what they want, they will sell.

https://www.bloomberg.com/news/articles/201...timulus-letdown

This post has been edited by Ramjade: Jan 12 2017, 08:41 PM

See first page. Polarbearz excel sheet.

His is active trading. He don't follow rules as he time the market, buy low sell high. Buy on dividend date.

Kenanga OnePRS Growth Fund - feeds into KGF
CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity - feeds into Ponzi 2
AmPRS Asia Pacific REITs - feeds into AmAsia Pacific REITS

Have your pick.

This post has been edited by Ramjade: Jan 12 2017, 10:57 PM

See first page for nicknames of the funds.

Because it produce double digit return in less than a year. Some went as high as 20+% Of course of Trump goes true with his threat, Asia Pacific will take a beating like what happen in Nov-Dec.

Nope. if you read the news, it's going into gold.
Not necessary. Asia can rally if US rally. They can also go the opposite if US rally. Good eg Nov issue. When Trump was elected, the US market rally. Asia follow. Then he gave a speech, US rally more and Asia takes a beating.

You don't know what's kap cai? Seriously?

This post has been edited by Ramjade: Jan 12 2017, 11:22 PM

Gold funds. But gold funds volatility too high. If really want to buy gold fund better buy gold ETFs. You get real time movement.

There are 2 on FSM.
Precious metal securities
Rhb gold and general fund

This post has been edited by Ramjade: Jan 12 2017, 11:30 PM

Nope over reaction. Once he start talking concrete facts, it will go up provided "investors" are happy with what he said. Of course if he mess up, US will drop further.

If they start coming back, it will be good for me. Why?
1) Potential double digit growth for me. Right now I am about 0.xx% only
2) Buy Manulife US at discount.
3) RM will recover, can convert more RM > SGD

Will topup Manulife US if it drop further as I believed he will be true with his words.

This post has been edited by Ramjade: Jan 12 2017, 11:40 PM

I aren't playing switching here and there. Actually right now on auto pilot. Not topping up/not selling/not monitoring as I am planning to switch over to SG UT (once it's approve). Need ammo for SG UT as their currency 3.13x ours. But will topup if drop a lot. Say 5% Cannot let money sitting ideally.

You are forgetting the 2% service charge every time you buy in. Will only sell say after 5 years. I sold off my Manulife US (wrong choice) after Trump won. So I am looking to buy back if it's good.

This post has been edited by Ramjade: Jan 12 2017, 11:54 PM

I am a Malaysian la. I am not buying their fund I am using their platform to buy UT. Why? Simple
1) Service charge of only 0.75%. FSM 2%. Of course one can technically buy at 0% from them if use some tricks but I rather pay 0.75% since my ammo is limited.
2) Their fund perform better than ours (the same region funds)
3) Very very big selection (there's global REITS (but majority in (US REITS), global infrastructure, more US, AP HY bonds at only SGD1k compare to FSM MY which needs min RM10k, healthcare, some nice Japan funds)
4) Money is located in Malaysia. Should we sell our funds, we will still be earning RM.

Lesson learnt from Malaysia:
1) Never buy single country funds like Malaysia. If buying single country funds, make sure it's big (like India and US) - so no SG funds specifically
2) Get your cost down as much as possible (I find 2% is steep)

Better performance:
Let me give you an example.
Henderson Global Tech (mother fund of TA Global Tech) vs Fidelity Global Tech. Fidelity Global Tech outperforms Henderson Global Tech. Both are available in SG site.

This post has been edited by Ramjade: Jan 13 2017, 12:07 AM

Sorry my mistake.

This post has been edited by Ramjade: Jan 13 2017, 12:15 AM

Yup. Guess you are right

Just a precaution. Some fund in SG mirror the ETF of the country (replicating the ETF). So one is actually paying more for the fund when one can buy the index.
Source: Singapore investment blogs.

Care to share which one? For my SG UT portfolio, I sort of run away from my 5-6 funds max principles. Too much too buy I am looking at total of 9 funds

This post has been edited by Ramjade: Jan 13 2017, 12:17 AM

Nope no problem. The problem is can you get a SG bank account? That's the hard part. They are very strict about this. I got mine last week.
Once you get that, it's very easy to open account with FSM SG/Philips/DollarDex.

I am going with Philips. Why?
1) FSM SG charges you platform fees of 0.4%pa. Even if you are not buying anything. In the long run it's > Philips/DollarDex. I did a calculations using excel and holding for 10 years and Philips save me >6%. Of course you can utilise some ninja trick to prevent them for charging you.
2) Philips only 0.75% SC. Totally no platform fees. (Use all of FSM SG free info and buy from Philips.)

I will use FSM SG if they charge SC of say 0.75% instead of charging platform fees. But they are going the platfrm fees route so no thanks.

People say DollarDex and FSM is easy to open. Why? DollarDex will mail you all the form by snail mail (just drop them an email). FSM, one can apply via online.

For all 3 you need to take SG govt open book test on investment. No time limit

Actually I have been researching for over a year.

Something which SG side have. You want BRIC also got. You want specific Russia also got.

This post has been edited by Ramjade: Jan 13 2017, 12:36 AM

FSM have events every year. Sometimes at events, you will receive special code which can be used to reduced service charge. If I am in Malaysia, would like to go and listen. Hear the expert opinions.

FSM LYN members don't meet up.

FSM staff, can please upload event video on Youtube so that those of us here can watch it too? Please? Thank you.

This post has been edited by Ramjade: Jan 13 2017, 12:53 AM

Because Japan counted as develoved country while asia pacific = developing market. Japan economy is a bit weird.