Sorry I don't agree. Service charge is an important part. If service charge not important, how come some people want to do ninja credit trick? A little bit adds up over time. It may not seems like much now but try compounding it over 10 years and you see what I am talking about.

I already prove why service charge/platform fees is important (in FSM SG thread)

If service charge not important, be my guest and buy from banks/agents. After all what's 3% saving right?

The recent trump massacre shows that even bond are not spared.

Only if you topup. If you don't topup, you don't kena charge. So just topup max RM3k/year until 2021. After 2022, no need to topup anymore.

From what I know, you don't buy anything, you won't kena charge.

Well people buy to get income tax relief. I am sure after the income tax relief is over, no one will buy. Will just be sitting there collecting cobwebs. There might be people who still buy (they save on service charge)

All funds transaction are cut off at 3PM. Anything more than that, it will be next day 3PM (which means you get the NAV of that day if you sell before 3PM). If performed on a Friday after 3PM, your transaction is only carried out on Monday 3PM. If Monday is a public holiday, then Tuesday 3PM. (For FSM)

When will I get my money? (For FSM, don't know about other platform)
https://www.fundsupermart.com.my/main/faq/H...my-money-8278#4

For me, because I use FSM, my money will usually come back to me within 4 days (depending on the fund house). It will appear in my bank account before the day is over (before 5pm)

Regarding your question US based funds,
Manulife Investment U.S. Equity Fund
RHB US Focus Equity Fund

If you use FSM Chart Center, you will find that 3 years returns + 3 years volatility, Manulife Investment U.S. Equity Fund beats RHB US Focus Equity Fund

This post has been edited by Ramjade: Dec 26 2016, 09:29 AM

You want instant liquidity go for ASX FP. Redeem 6 figure one shot also no problem. Money available on the spot. Even malaysia stock market also uses T+3 days to get back your money fully

They have. Eastspring Global Emerging market.Invest in China, Russia, India, Brazil.

Yeah. Well if you want those specific one, then you have no choice but to open a account with SG UT broker.

You don't need to have account. Just say la planning to open open account. Use their service for free. That's nothing mention at FSM MY that those email/live chat is exclusively for FSM user.

Actually I don't think so. It is half right. Malaysian are used to agents, Public Mutual so agent do everything. While in Singapore, they are taught to invest from young. We have to learn on ourself.

Another reason, Malaysia is not best buddies with US. So no foreign fund house want to set up house on Malaysia (this I think is the main reason).

This post has been edited by Ramjade: Dec 27 2016, 09:41 AM

Keep in mind that as long as you buy/sell before 3PM that day, you will get the NAV of that day. Is so simple. Only for FSM. Don't know about Cimb clicks.

The NAV will be publish more or less 2 days later. You CANNOT know the NAV on the day unless you got insider info.

Well from what I read, there was this incident where people know the price before it's announced. Hence they used it to their advantage to do trading (happen in overseas).

But I would prefer it if we can know the real NAV before buying.

But my Ponzi 2 have less loss than Ponzi 1 woh. During trump massacre, My ponzi 2 became positive while my ponzi 1 never become positive (blame it on the malaysian part ).

This post has been edited by Ramjade: Dec 28 2016, 06:47 PM

Don't know for those who attend only or everyone.

CMF is a place where you can park your money for short term and earn 3.2x%pa. I use eGIA-i to park my money as it earned 3.55%. Extra 0.3%pa over CMF.

How do they charge the 0.25% already calculated into the NAV or need to pay separately?

I never buy funds from Public/agent due to high service charge. WHy buy PM funds when other funds which invest in same sector ourperform PM?

Usually yes. If you buy those good bond funds. Affin Hwang Select Bond fund/RHB Islamic Bond fund. Difference is your FD is you won't lose your money and you can get about 4%pa. Enough or not, that one depends on you. For FI, it have huge connection with interest rate of the US and eg Trump massacre where even "safe bonds" were not spared.

Not necessary. Dividends add units to your total units. If the fund don't perform, then it's a different story. If it perform, then long term wise, it's good. Although this was debated with xuzen last time with TA Global Tech dividends.

For me, I feel (not conclude/say) is important as with my previous experience with ASG, if not for the dividends, I might be still making a loss. When I bought it dropped 15%. Had to hold for 3 years to get nett return of 3% pa.


For amanah saham, only fund worth looking into is their fixed price fund. Others suck. But I think affin hwang select bond fund might be better choice for those people cannot "tahan" see their value of investment drop.

Yes. Only for RHB Cash management Fund 2

We were arguing about TA Global Tech unit split. Didn't you remember?

Depends. Most people here are not pro on lump sum one shot. However if the market drop a lot + open new account, it's very good time for lump sum. But how lucky are you?

So if say Stock A declare dividend, will the price of the stock also drop? Is it like in UT?

Malaysian ETFs are useless and not worth. He is taking about US S&P500. Bought using Interactive broker. Am I right wongmunkeong?