I've just withdrawn from Affin hwang select bond last 2 weeks which is managed under Citibank cuz the chart doesn't look promising as of December 2016, as I'm not very good in analyzing if it is a good fund or not. And another thing is because my relationship manager has resigned which leaves me on my own now.

So i'm just thinking which fund I should allocate in besides FD.

Yup I just submitted my registration application for FSM and maybe test it out a little and see how it works. But if I'm not wrong, fundsupermart might charge a fee that would be much higher than the bank may offer.

Looking at this example here:
Fundsupermart's Discounted Initial Sales Charge* 0 %
Platform Fee (%)* 0.05% per quarter
Annual Management Charge* 1.5 %
Trustee Fee* 0.08% p.a of NAV
Other Significant Fees* Switching Fee: RM 25.00
Annual Expense Ratio ^ 1.68% (as of February 10, 2016)

Fundsupermart might charge an annual management charge of 1.68%. But let's say I put in Citibank, they only charge me a one time 2% charge and a relationship manager will be appointed to me, where I could always gets updates from them time to time.

Is my calculation correct based on this example?

public mutual fund really a scam?

OK are you sure we're still talking about mutual funds? or some sort of endowment policy? you don't get policies with mutual funds.

you asked......FSM shows you.....
Dear Investors, Are Your Investment Combinations Ready For The New Year? [30 December 2016]
https://www.fundsupermart.com.my/main/resea...mber-2016--7854

Hi guys, i have been a silent reader in this thread and am interested to start investing in UT by myself via FSM. Before i begin, i just want to thank all of you who have been constantly contributing ideas, thoughts, and valuable opinion in this forum.

My situation;

1. I have about rm 60k FD maturing soon, will have another rm 100k from a property sale recently.

2. Plan to invest all of this amount into UT.

3. I considered myself a newbie, and im looking for a balanced and diversified portfolio as investor.

4. Im very busy working with high mobility (travelling to remote places for work), so I am not looking to switch funds left and right, prefer to hold funds once i have invested in at least >2 months at a time.

5. Aiming for a 7-8% annual returns.

So guys, with the above points, would like to know your portfolios for me to have a start investing in FSM.

Thanks guys!

why must max stick to 6-7 fund only?
I had near 20 funds now, it balanced my profolio, single fund drop wont cause much chabge for me, still averange I have positive profit. It earn slowed but it diversified.

I don't believe in having 20 funds. I do believe in there's such thing called over-diversifying.

I do want better gains, at higher risk.

I have 7 funds including 2 bond funds, it's more than enough for me.

understand. diversify, should not only on geograaphy, isnt? there is still sector/ nature of buisnesess.
even though got a lot of fund but all in similiar sector, all will crash together when that respective area crush.

ya, that why profolio is always vary falloww person peferences.
I aim capital apperiaciation with gain.
I had family, can't afford too much risk, I do park some emergency fund in bond/CMF.

MONEY management is so ccomplicated when maarket is messy...

just asking, anyone still holding smart treasure fund? don't seem to be doing well at all after that one year high.

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.

Most of it I brought on 1% promotion/0.58 during national days.
those develop market all have double digit profit now.
esp europe incculded uk, brought when BREXIT, less than a year got double digit..too bad not invested much that timee.
only Malaysia market got red1~2 percent...

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

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

ya.. Learning Curve for me...
Is time to seat down and study prperly
I really found no one for proper guide. And I am from medical field too, learning investment from zero since 3 yrs ago.

OK, THis is my Investements
I know got lot of Overlapping
The last three was investement with affinhwang agent.
YA Learning Curve for me..
I need sometime to analysis it again.




Affin Hwang Select Asia (Ex Japan) Quantum Fund
AmAsia Pacific REITs - Class B (MYR)
CIMB-Principal Asia Pacific Dynamic Income Fund


CIMB-Principal Global Titans Fund
Eastspring Investments Global Leaders MY Fund
Eastspring Investments Japan Dynamic MY Fund - MYR Hedged


Eastspring Investments Small-Cap Fund
Kenanga Asia Pacific Total Return Fund
Kenanga Growth Fund


TA European Equity Fund Cheque


CMF
RHB Cash Management Fund 2

Prs

AffinHawang AIIMAN PRS GROWTH fund
AffinHawang AIIMAN PRS SHARIAH GROWTH fund  
  

Long list ya...
Those EPF one I admit, I didnt study properly just tembak... was inveested to aim total amount into reward programs

And I am aiming selling off these

10 Eastspring Investments Asia Pacific Ex-Japan Target Return Fund 
12 Eastspring Investments Dana Al-Ilham
13 Eastspring Investments Dynamic Fund
16 Eastspring Investments MY Focus Fund
20 Kenanga Syariah Growth Fund
22 Pacific Global Stars Fund
23 RHB Big Cap China Enterprise Fund
24 TA European Equity Fund
27 AffinHawang AIIMAN PRS SHARIAH GROWTH fund
28 AFFINHWANG AIIMAN GROWTH FUND

Maybe next week or later..
I am waiting affihwang agent give me a greenl iefe to transfer out into Fundsupermart. Now they are still busy with the last year things, no time entertain my request yet..

I do agree, whose are top stable Fund I experienced for past 3 years
Except the Affin HWANG PRS SHARIAH GROWTH... negative 3 years.. no top up for last year.