QUOTE(skynode @ Feb 6 2017, 08:50 PM)
Okay, I need to hear out some ideas/opinions from you guys.
PROBLEM ARemember I was asking reg PMB transfer of funds to FSM? Now I am having a dilemma.
In view of current market being quoted as possibly overvalued by others...
Option 1 : Should I reinvest ALL my funds from PMB to my designated portfolio and enjoy the zero percent sales charge?
OR Option 2 : Should I just reinvest RM10k first, then do VCA for the remaining funds every month but losing out on the zero percent sales charge once the 1 month period has passed?
Which is more logical and economical?
PROBLEM BI am going to put in RM1000 into PRS to get the one-off RM1000 initiative from government. Rather than RM1000, would it be also reasonable to top up RM3000 every year (till 2021) to enjoy the tax rebate benefit?
PROBLEM CManulife Equity USA versus Aberdeen Global Fund
Global fund has better diversification (includes European countries) but why are most people more keen on 100% USA fund? Isn't it riskier? Or is it because the presumed Risk Reward ratio is better?

Not giving ready-made answers, but asking you more questions. Sorry, that's because there are no ready-made answers. It depends.
A. Don't just look at sales charges. Ask which funds give you the best returns (in the longer term) after sales charges.
B. PRS. Depends. Initial tax deductions look good, but the limited funds available may not perform. Don't just look at the tax aspect.
C. There are various types of ratios you can look at. They are based on past performance. If they can predict the future accurately, this thread topic would not longer be required. We would just look at ratios and make lots of money.