it won't.

your question should be how would his policies affect the fund market.

following is shit he is planning

- strike at china by calling it a currency manipulator and block it from controlling South China Sea

-Relook into Nafta and stop the TPP

-reduction of oil imports in the US

Mixed.

World wide including US there were demonstrations and protests.

US Stocks made some gain, likely it is just part of the yoyo.

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Maybe you know, maybe you don't know....

My post here is just to clarify in case for those who don't know...

REITs and Property counters are different animal altogether. One is in the business of building new buildings and selling them to consumers. They derived the income from sales of real estate. The are developers.

REITs operator are in the business of maintaining and collecting rent from tenants of existing buildings. Their income is quite fixed as the major tenants usually would have signed on a fixed term lease (usually five years or more). Their income is quite fixed. The major change will come if the central bank amend the interest rate. In this sense, they behave more like bonds rather than like equities.

Hence when one talk about REITs, do not confuse it with property counters like IJM, Mah Sing etc. They behave differently.

Xuzen

FSM has lower costs, they do not pay consultants, they don't print receipts, don't send paper statements, don't have branches in every state, don't have ATMs...

If you walk in to cimb bank to say you want to buy prs, a sales staff will serve you. That 3% is for that sales staff. So, no it's not direct. Direct is when you send in to cimb principal office.

Fsm choose not to charge sales charge to attract us to buy from them. As simple as that. Fsm gain from the annual management fees that cimb give them.

Don't forget about platform fee

Btw, which bond fund so good, 3 months 4% consistently?

to you is good but to some people they may be looking at

1) paying the platform fee (deduct from CMF or EQ)

2) recent events showed that bond funds are not safe from black swan events. unlike fd your capital is secured bond funds aren't 100% safe.

some rather gave better nights of sleep rather than constantly worry about their monies

Remember with FSM MY, all bond funds have 0.2% pa platform fees regardless whether you are holding bond funds (already purchase 1 year ago)/just purchased.

Also, some bond funds have exit fees if held for <1 year.

per annum bro. please look through fund details before buying.

I wished is pay once. 
Per annum/year

It may seem insignificant, but if you are holding the bond fund for 10 years, you are paying platform fees every year which is = 2% over 10 years. Compare that to pay 1% one shot lump sum service charge at the beginning when you buy the bond fund and just hold.

However it would seem this RHB Bond fund does not have platform fees.
Here you go.

This means should you withdraw before 1 year is up, you will be penalize 1% exit fees.

All the while you got fans one you don't know meh?

Wow,...joined lyn 10 yrs ago, but just 2nd postings? where have you been all these years?

ok, back to topic.....
the above portfolio "may" looks good and suitable for you...BUT are they really suitable for you?

Keep Your Risks In Check
Different investments come with different levels of risks and investors need to understand and know the risks that they can stomach given the circumstances that they are in before making a decision on what to invest.

ARE YOU AGGRESSIVE, BALANCED OR CONSERVATIVE?
To stay ahead of the game, it is not only important to understand the risks of the investments you are looking at, but also to understand your personal risk appetite. And the best way to do it is to assess your actual experience in investing. Investors who need advice or want a second-opinion on their investments can contact our Client Investment Specialists. They are able to assist you in distinguishing between unit trusts on our platform. Another method is to take the investor suitability assessment form by answering some questions such as your invesment objectives, risk tolerance, financial profile and investment experience.
For instance, you might have thought you are an aggressive investor who can cope with a high level of risk. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments may not so suitable for you because they are likely to cause you to lose money.
Our research team has also built the recommended portfolios as a guideline for investors based on different risk appetite. For more investment ideas, investors can take note of the articles we put out highlighting our research views of a particular region, market or sector.

https://www.fundsupermart.com.my/main/resea...-May-2015--5825

in other words,.....try go thru these links first to have a clear understanding of what is in store....

https://www.fundsupermart.com.my/main/school/school.svdo
:thumbsup:

unit trust = capital not guaranteed

Your goal is to beat inflation/FD. FD rate is usually = inflation.  However in malaysia, inflation > FD despite what official channels claim about inflation.  Trust me  Putting FD is not enough (living proof).

I don't really agree. Not sure. I recommend you to go to education fair yearly to find out the cost every year. After 5 years, you will know more or less how much you need.

yes, you may lose money in bond fund too....

since you are planning for education saving......how many years to go before you need it?

how much money do you intent to save monthly to achieve that saving value goal?

if it is just another 3 years before you needed it...may I suggest, you go 70% FD and 30% FI...

if you intent to save for your child's education ...then read these articles from FSM...
https://www.google.com/?gws_rd=ssl#q=childr...n+fundsupermart

wow,....20 yrs then it is for your child....
read the tips and the points of the articles...not just the words....

if 20 yrs, may I suggest that you don't go for FI funds
instead go into EQ for the 13 years,
then if situations allows at that time go "balanced" funds for another 4 years,
then if the situation allows again, go into full FI for another 2 years
then for into FD for the last 1 yr.
(if the situation don't allow,...maintain at that stage)

you need to set the accumulation, maintaining and preservation stages....to try maximise the money....
20 yrs is just too long to go for preservation stage....
just my 2 sen.

Low-risk bond funds like AH Select Bond (blue trace) and RHB Islamic Bond (orange trace) were resilient during the 2009 recession. If past performance counts, then your investment is unlikely to vaporize. [attachmentid=8443532]

Friend Vanguard 2015,

How quaint! I am also in the similar demographic as you. We are from the same generation, that is, Gen-X'ers.

My following post is actually meant for the younger working adults, those school leavers who have just entered the working live. Hang in there buddies, wealth will come. I mean normal wealth not those obscene wealth derived from unlawful or corrupt means.

Vanguard, I believe and I are your regular worker type. We are not businessman and we are not those born rich type. We are your regular Joes, who after graduating from uni, got our first job, jump companies like a few times and just work, save and invest what we could afford. .

I do not flip properties, do not trade shares or play option. Do not play forex etc. My wealth is mainly in the KWSP which is accumulated from years of regular employment. From there I do regular withdrawal to participate in the KWSP-MIS scheme since ten years ago.

Do not be too in too hurry to get rich by doing things that are risky. Don't try to be hero like listening to your peer to play forex lah, flip properties lah, binary option lar etc.

Stay cool, go for the long haul. You can do it and retire comfortably.

Two years ago I was in the maket to change my old beat up MyVi and even I could afford to hire-purchase a D-segment car like Camry / Teana or Accord, in the end I settled for a Honda City full spec. Why? Always live below your means, it generate much less headache.

If you are being taxable, then watch your tax, plan it in advance so that you can minimize your tax payable.

And lastly, stay healthy and stay away from risky behaviour.

Xuzen

yes....you will still hv time to recover for I had set 7 yrs time frame....for recovery of a diversified eq portfolio....then you still hv balanced potfolio for another few yrs...before going to FI and then FD.

Children edcuation plan:

I) I bought a Investment Linked endowment plan under AIA (formerly ING). Bad plan, bought it when I was still blur blur about financial planning. I did not buy anymore ILI product for my subsequent children.

II) SSPN ( die die must contribute)

III) Refinance my residence house when the time comes.

IV) Use part of KWSP account two.

No, I did not invest in stock and only in fund coz, I found that I want to be passive investor.

Xuzen.