Has anyone here invested in PRS and gotten the RM500 incentive from government? Did you guys did it through FSM?

Imaginary money doesnt have much weightage.

Its just like itrade stock games using imaginary money, and the winners are winning because they all trades high risk call warrants.

it gives room to experiment on ideas without losing capital. like war games on pc. utilizing strategies without losing a single man. for research purposes, it is a good learning point.

i think i wait till this saturday, i heard its 0.5% SC promo

no follow"rules" portfolio after  >3 yrs...

Is IRR means annualized? ROI means total return in %?

Hey guys US market is closed now. It has recovered from most of the earlier big sell off but market still closed lower than previous day.

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Currency also regained from previous loss. At one point USD to ringgit was 4.42 but now back to 4.45.

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If the correlation of stock to fund is good then can treat this just ripples in the ocean lar.

After trump in then the shares will up up up like when he elected. Sure regret if don't in now

Currently I'm looking to have a portfolio like this:
RHB Smart Balanced Fund 20%
RHB Bond Fund 20%
RHB ASEAN Fund 20%
RHB Emerging Markets Bond Fund 20%
Affin Hwang Japan Growth Fund 20%

And my watch list for this:
RHB Big Cap China Enterprise Fund

Do you guys think it is good? Or any recommendation funds that I have to changed?

This is going to be my first fund placement in FSM, so I'm not too sure how things workaround here, except a little chart analyse knowledge.

I haven't read out the fund fact though, as I'm weak in global economy knowledge.

Friends and fellow participants of Unit Trust Funds,

1) Today is Sunday, 15th of January 2017 afternoon and after taking a refreshing afternoon nap, my mind in now fresh to write something that I have been thinking on for a while.

2) This topic came about when some of you earlier was talking about volatility and return. We know that for the same degree of return, a unit trust fund that gives a higher volatility is worse for the final future value than another with lower volatility.

3) Now, let us take a look at the first column of a imaginary fund with a return of 10% per compounding period, or perhaps we can take that as per annual return. It starts off with MYR 1,000.00 as initial capital with no top up. Let's say this is a fixed income fund and we get a fixed return of 10% per annum with no volatility, meaning every year is the same ROI. In another word, this fund offers zero volatility / variance / standard deviation / risk.

4) The second and third column is similar an imaginary fund with increasing volatilty as we move towards the right. If you look at the final future value after the tenth year, the fund with the highest volatility has the lowest future value. This phenomenon is called variance drag. This is why, as illustrated, volatilty is bad for a fund and low volatilty is good. This is applicable to buy and hold style of investing or those who do DCA method of investing. Howeverm if you are those trader / speculator / dump and run type, then volatility is your friend and variance drag is of no concern to these type of investors.

Xuzen

P/s For the three imaginary unit trust fund, the simple average return are the same for each fund. The difference in final future value is due to how great the flucuation of the yearly ROI. The greater the flucuation, the lower the final future value.

guy does trading meh? I remember him and I having an argument between active and passive management to the point he called me a quack. lol.

Like that different la. Trading sure earn A lot cos buy low sell high

He does trading. He timed the market. Buy when there's dividend. Then went it goes up, he sell them off.

Hey guys do u think I can use bond fund for short term less than 1 yr parking while waiting for other investment opportunity?

It has 0% sales chrge So I don't lose any to charges.  It's a bit higher risk than fd but higher gain also.

hey sifus, I am new to FSM. I just created my account and about to jump into the waters. But there is still this fear of FSM reliability. As with public mutual, i get to meet my agent, i get official statements from PM and so forth.

Since FSM deals on a virtual level, through a portal, will there be official or rather physical statements sent to me as prove of unit purchases ?

I am beginning to like RHB Emerging Bond fund,,,, Algozen ™ has picked up its scent again. Will be keeping a watchful eyes on her.

She is on FSM recommended fund list as well as on FSM SG recommended fund list too for eight consecutive year.

She is a fixed income fund, but its return has been on par with those of equities. But its volatility is halve of those pure equity fund. Apa lagi lu mau?

Xuzen

I understand. All I am asking is, are the "extra units" performance backdated to the dividend distribution date?

Say dividend on Jan 11, they update the new units on Jan 20. When they add these extra units, is the performance from Jan 20 or from Jan 11?

Yes

Anyone knows the rules of rhb Islamic bond fund withdrawal?

It says 1% charge if withdraw within 1 year. Is it mean if I have invested after 1 year my withdrawal is no charge no matter I top up or not?

Or do they charge by the amount I top up? Meaning if I top up rm500 then next year only rm500 withdrawal no charge but other top up like 1k which is less 1 yr have 1% chRge?

No. The index in Indonesia up by 1.2%, Singapore up by 0.4%, India up by 0.9%, Australia up by 0.6%, HK down by 0.4%, US/Europe market down (for yesterday, since these are lagged by half and one day each). I think I will make some % gains, let's wait and see. I don't even know based on what day will it be transacted - if they are transacted based on the prices dated 31/1/2017, then it will be very good for me. Again, I repeat, zero fees.