Partially true only. Is not a scam. If you're in US/developed countries, you can invest in an index. But we are in Malaysia. No good index so have to pick UT lo. True investing in index is actually cheaper than UT as one just pay brokerage fees. No crappy management fee, service charges.

TO get started, read this http://dividendmagic.com.my/stock-investment-malaysia/

But crystal ball wrong about Trump woh. How?

You can read from V1 of this thread or read from first page.

Japanese yen are like gold. People will flock to it in times of uncertainty. Also If Yen goes up, the stocks can drop. So Japan is kind of "opposite" with natural market.

Actually Manulife Asia Pacific REITS are better. I am holding both (same amount), bought at different time Manulife Asia Pacific REITS bought lumpsum while AmAsia gradual buying. Let's see who will win after 3 years. Right now Manulife Asia Pacific REITS make 1%+ profit in less than a month!! AmAsia feels like lagging behind.

Affin have higher volatility but return not so good over 3 years period.

This post has been edited by Ramjade: Jan 13 2017, 11:14 PM

For me 0.5% is perfectly fine. That's why I want to see who will give me better value for money after 3 years.

Last year suppose to have 4 hikes but only 1. Feds like to cry wolf. Besides REITS is for long term. Boglehead investors use only 3 or 4 ETFs. For those with 4 ETF, from what I read can keep ~10 REITS (Source:Singaporean investment blogger) - 1 global fund, 1 bond fund, 1 STI, 1 S-REITs portfolio. I must say his portfolio is quite resistant and very boring but it gets the job done.

For more info check out http://www.turtleinvestor.net/asset-allocation/

That's true. But 3 years performance are slightly better than AmAsia. Besides I have been reading up about S-REITS, it would seems retirees over there use S-REITS as a source of income. If it can work for old people, it's alright

This post has been edited by Ramjade: Jan 13 2017, 11:37 PM

Let's see if Selina can beat Manulife in 3 years. If she can, I go back to her If not, I tarik my money from her and masuk to Manulife.

RSP means auto deduction from money market fund every 15th of the month. If you are new customer by going for RSP, your SC is 1% for 6 months. After that it's back to 2%.

Just register. Those who get the 1% service charge for 1 month (new comers)
https://www.fundsupermart.com.my/main/faq/0...avings-Plan-976

[quote=ironman16,Jan 14 2017, 12:32 PM]
[quote=Ramjade,Jan 14 2017, 11:35 AM]
RSP means auto deduction from money market fund every 15th of the month. If you are new customer by going for RSP, your SC is 1% for 6 months. After that it's back to 2%.

[/quote

If six months 1% , I wanna shoot fsm, bcoz I only get one month 1% sc only

[/quote]
You need to opt in for RSP. If no RSP then it's 1 month only the 1% SC promo.

From dasecret

I don't know. Ask FSM. Most likely still can if you are new customer. They have live chat during working hours.

Try emailing them and see.

Why would you want to RSP PRS? For PRS, max one put is RM3k/year. Some more there's no SC.

Actually Lee Sook Yee (FM of KGF) did give bad comment about Malaysian funds.

She said Malaysian economy was expected not to do well. Read the whole thing or I filter for you. (2nd page, 7th paragraph On the home front...)
https://www.kenangainvestors.com.my/KIB/KIB...e_Interview.pdf

This post has been edited by Ramjade: Jan 14 2017, 10:46 PM

Don't know. I didn't go for the talks. I am sharing an old article because ic no 851025071234 said FM won't talk bad about the region they invest in (that way will scared people from buying into that region)

It's an old article from 2016. Note: I didn't go for the talk.