Thats why you need to choose the best available fund that can generate the best return among the league to minimize the platform fee impact 

Oh! I must have read wrongly then. Somehow my blur mind thought Unit Trust investment of <200k is subjected to platform fee in FSM... no idea where did I read that.
I guess currently, only Singapore FSM charges platform fee for investment other than bond? (found it here, a post by creativ in 2013). FSM Malaysia only incur platform fee on fixed incomes...

In that case, the benefit of using FSM (for Unit Trusts) far outweight that of eUT.

Thanks your the replies everyone.

P.S: Wow this thread is crazy active!

I don't think I understand the reference 

What does the teams implied in this context?

Greetings, I am new to FSM.  What would the Sifu's here recommend in terms of fund allocation for an Agressive Portfolio with good diversification.
I have a long investment horizon.

Somewhere along the thread, I saw this :
40% CIMB Asia Pacific Dynamic Income Fund
30% CIMB Global Titans Fund
20% Kenanga Growth Fund
10% Manulife India Equities Fund

Is this good diversification and are they good funds for growth?

I would like to have some bond fund too in the mixed.  Any suggestions/recommendations are most welcomed.  Thank you.

Have you got any hindsight on this ? What finally triggered the sell off ? Did you analyse say If you stay through maybe  you could be better off ?

Guys another thing I simply cannot comprehend is how is the RHB Asian Income fund LOSING value over the last 2 days, when the entire Asian markets were in full rally mode? Plus I see their top holdings were all making extreme gains. It seems way too fishy. RHB Asian Income seems to be the one fund I have that is not in line with the performance of the target region (Asia Pacific in this case).

I have been reading up on this forum for a while now, trying to learn & absorb the knowledge & experience that u guys r so kind to share.

I have prev invested in UTF via an agent (a relative) & I pretty much let him tell me what to do. I had no knowledge at all about UTF & how it works, & i never bothered to learn it up. He said switch, I switched & those happened rather freq. When he decided not to be an agent, he asked me to withdraw & i did. I made a profit of ~0.2%... after 3-4 yrs. 😓

The thing is, I am in my mid-40s. I have never been interested in financial stuff. M working in a MNC & felt as long as I have a job, I m OK. Then I realised that's not enough as I am not getting any younger. My time horizon is getting shorter & shorter.

So my regret is that I never took the initiative to learn & plan my financials much earlier... and I need to start now.

So I signed up with FSM a few weeks ago, and look fwd to be a "new" investor. I hope to learn from u guys, no matter your age or gender.

Thanks for all your past sharings & thanks in advance for all you future guidances.

UT IMHO is not an ideal vehicle for such active trading. Firstly the NAV is always forward pricing, you'll never know the current NAV. Secondly there is always a period where the money is floating and you have no control over it when switching funds, and this can take over a week!
Anyways to each his own! May you strive well scalping on UT.

got a feeling that if this becomes a major concern to the fund houses, fsm will be implementing a limited switching per month or reward those who have been keeping the fund for X amount of years.

doesn't take a lot. out of 1.5% per annum charge you give a little back to those who stayed. win win situation.

have you updated your portfolio ROI status for this month yet? i think for many, even though they did not do any switching around, their portfolio would also have moved about 2~3% in Jan 2017

what went wrong bro. I remember you have smart treasure

ok...noted.
unless for some popular funds like, AHSBF, RHBEMBF and EIGLF...most of the funds are having a good run last month.hope it can continue.

But I supposed if you sell off the entire fund ( at a loss or gain ), and invest in new fund, ROI will be low.

I don't use the spreadsheet thing. Does it still keep track of sold funds ( gain or loss ) history ?

vinc you need to use the spread sheets. doing any movements in your portfolio will fuck up your current roi.

example my roi in November was 6% but I pumped 30k into my 20k portfolio, did a rebalancing of Anita and kapchai. purchased esther at 11k, Ponzi 2.0, rhb AIF, dragon and etc.

major top up and my roi became 0.5% but I didn't lose any money as all I lost was paper gains I once had. use the spreadsheet. don't give up. don't chase returns.

Sold funds are not included as part of ROI or IRR calculations. But you can keep it at the top the table and the unit price can continue to be updated to see if it goes up or comes down after you sell

Your total capital that you placed into your portfolio and compare it to any other investment vehicles like epf and fd over the course of your investment period. That is how I deem my unit trust investment as successful or not.

Do the calculations now vinc.

Thanks for your honest post. Not many people would show less than stellar performance. And that's why sometimes we get a skewed impression of how good certain products are

After speaking to a lady with a sexy voice from FSM, this is how the process go :
1) withdraw fund from Public Mutual Berhad and keep the receipt
2) email the receipt to FSM. they would reply within 1-2 days (depending on what time they receive said email)
3) wait for a reply from FSM. Once they have acknowledged, can purchase any fund from the ones listed in FSM for 0% SC except for AFFIN HWANG. (I don't know why is this). When you have  purchased  and transacted, send them an email to remind them to manually adjust the transaction so that there won't be any SC. If say you withdraw RM10K fund from PMB, you have up to 1 month to buy up to RM10K worth of fund from FSM.

FSM never call me before.