Surprisingly, for citibank they doesn't charge an agent fee. It's only a one time fee of 2%. The same as my recent funds placement through Great Eastern.

I'm only looking at the technical indicator of the chart. Because it just look stagnant, which would suggest to a drop later on which I define it as bad.

The updates I get from my RM is a summarized version of a good or bad stock(straightforward). Either if it would be a good time to withdraw, placing more funds or perform a switching. Based on information they gotten from their bank and news they have read about. So far the indicators my former RM provided me is reliable.

That's weird because Citibank didn't charge me for that, referring to the annual management charge. Although I did ask them about this before placing in it 1 year back.

And for Great Eastern I'm still waiting for the policy, as I'm also told the same as well that only a one-time fee of 2% will be charged for lifetime.

But a downside is that the bank will charge another 2% for switching funds, while FSM doesn't have that if it is managed by the same fund company.

Will research more about it.

Urgh - my bad English, hard to "say what i mean" without data / tables + vocal tones

Anyhow, since U are a data cruncher - have a look at the below & feed data / play with the structure/Excel (ZIP file).
Don't take my opinion as gospel
[attachmentid=8344189]

Idea = A. buy blindly every year, same date (something like DCA)
VS
B. some sort of timing buy

1. Both using the same available funds.
for (B.) if unused for the year(s), accumulate for usage

2. Timing for (B.), used a simple - "Buy if the thing falls 80% or more based on historical falls":
a. Current Nav or Price LESS Highest in 6 months', 12 months' & 24 months'
b. Compare current 2a. to historical 2a. - if current <= historical's 20th percentile, then BUY with unused $ (timing ma)

3. For unused $, no interest was calculated/added

Tested the ETF for S&P500 + some local blue chip stocks.
I didn't test against UTs as the data for UTs are not as transparent - have to even out the historical NAV with distributions, splits, etc., else not comparable properly.

Data used was from Yahoo Finance & the price / nav used was the ADJ. CLOSE - which evens out the distributions, dividends, splits based on the last data point.

Opinion so far:
4. Don't bother timing if one invest $ which is not needed for 10 to 20 years AND one has a proper portfolio - ie. cash, FD, bonds + the UTs/ETFs/Stocks
Keep in mind - one may want to watch it 3-5 years when liquidation is needed.
COZ the total end value is more than "timing".

5. IF one is not working (ie no constant / reliable cash income from active work) OR has no proper portfolio planned / executed, the "timing" will make sense
COZ less capital at risk.

er.. it depends.
for more volatile ETFs / UTs or stocks, the simple timing method may be better

looking @ S&P 500 ETF, Nestle & PBank earlier - PBank is "more volatile" VS S&P 500 ETF, and look at it's results

Yet to test on small cap / Emerging Market ETFs - data issue from Yahoo Finance for KLSE & STI indices since Q3+/- 2016 

for a start, Citibank did not manage that fund.....it is under Affin hwang asset mgmt. bhd...
your relationship mgr is partial right...she only charge you 2% sales charge and 0% on other fees....
but the other charges are not informed b'cos they are charged by the fund house not Citibank and it will be reflected in the NAVs.

see page # 6 of attached for the fees and charges of this fund
https://www.fundsupermart.com.my/main/admin...ceMYHWSBOND.pdf

New year ma

The latest NAV you could get is 30/12/2016, of course 2017 YTD would be blank

Pokémon player meh? Gotta catch em all™?

I participarte up to four unit trust fund only nia.... 

Avangelice,

I am topping up again on AM Reits & Manulife US.

Selling / taking profit on Manulife India. Using the profit from India to top up on AM Reits.

Xuzen

Sometime I do afraid OVER Diversify,
I was like a chance investor, buy when market bad.

As I am still young in investment, after 3 years learning.. my porfolio become like this

[attachmentid=8352738][attachmentid=8352745]

After post, I count back. I had 25 FUNDs....lol
maybe it does too over. haha.

yeah, because I am not master, main tembak tembak, when got news or offer in Fundsupermart, i tried.
during my first year lose until neg at year end...

I believe many others have kind of answer your question

My take? I too have close to 20 funds in my first portfolio; slowly cutting down but still no where near 5-7 funds. The idea is simple, same geographical segment, just stick to the fittest horse, what for split your bets and end up with less. It's diworsification

AM REIT being alow lately, hopefully it went up. I got significant allocation on it.

Got le. Last time got charge RM50 to port out AmDynamite.

Then FSM told me it's not from their side, but from fund management side.

Here is my distribution:

CIMB Asia Pacific Dynamic Income Fund --- 20%
Affin Hwang Select Asia Ex Japan Opportunity Fund  --- 6.7%
RHB Asian Income Fund --- 13.3%

CIMB Greater China Fund --- 13.3%

Eastspring Small Cap Fund --- 13.3%
Kenanga Growth Fund --- 6.7%

CIMB Global Titans Fund --- 13.3%

RHB US Focus Equity Fund --- 6.7%
TA European Equity Fund --- 6.7%

I bought these funds on 27th Dec, and effective from that day (a total of 5 trading days, till 3/1/17) the gross portfolio returns are 1.259%. The net portfolio returns are -1.426%. Difference between net and gross returns is that for net returns I take into account my initial cost, for gross returns I look at the portfolio performance itself disregarding the initial cost factor (service charge fees basically).

Now people may criticize that I bought too many funds...maybe. Maybe not. The only redundant fund that overlaps with other funds is the Affin Hwang Fund but I have no choice there since this was bought separately as a "test" on M2U and the rest on CIMB Clicks.

I actually think that my ideal total fund size would be 10 or 12 funds, each serving different regions and/or focus areas.

Manulife US Equity is large cap fund. I personally thought the Small Cap will grow better this year hence I got the RHB US Focus Equity Fund instead. Also got RM25 switching fee, it deters me from buying into Manulife funds. Though well, RHB has it too...

As for the TA Global Tech fund...yeah I wanted to buy it except CIMB Clicks doesn't carry it for some reason! Also it's a sector based fund, a bit high risk. And Tech stocks seem to be extremely highly priced, you never know if we are close to the ceiling already.

In the future once I can save a lump sum I will open up FSM for Round 2 unit trust funds and reconsider the TA GT fund. Sadly no funds to take advantage of the 0.5% SC promo!

does that mean two more weeks after 19th dec? that would be the longest i waited for a distribution so far.

edit. oops how time flies. thought i'm still in december. anytime soon now. anytime soon.

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

Is TA in there ?

which is what I am most interested in.

I'll hold you on to that buddy. anyways it's off to gym for me. see you guys around! oh yeah tomorrow is the penang event which is on the 7th kan? all funds at 0.5%.

anyone buying anything tomorrow?

I'm planning to do the following

top up

Ponzi 2.0 1k
Rhb AIF 1k
AmAsia Pacific. 1k
ES Global Emerging markets 1k

for my lady's portfolio
Ponzi 2.0 1k
esther bond 1k

still don't have any trust in Malaysia bond atm sorry adele123

Rhb AIF 1k
esther bond 1k