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

Got. Statements are send by email which you print out yourself. No phyaical statements.

I have sold my funds and the money did come back into my bank account

send my regards to PM after signing the release forms.

my regards as with a big middle finger and up yours to those agents

thanks.

Hows your PM % return this year? I kinda curious because FSM doesn't have PM funds

Sometimes, with lower sales charge in online platform, you can get a smilar deal, if not better deal than only PM itself, more diversity.

Source : iportfolio.com.my (based on monthly month end data)

not sure about others...but for me, this 6% ROI is applicable to EPF withdrawal money.....that means if if were to take out EPF money to invest it must have an ROI of at least 6 + 2 or 3% more to compensate for the extra risk....

if i were to use cash on hand to invest, i will not use the EPF 6% rate as yard stick for money put in EPF has locking period....

unless i am at 55, then i can use PEF as investment...for at 55 the locking period just certain T&C

[attachmentid=8421527]

my two month old portfolio that I built after trump. only thing I got rid of is kapchai and anita

I'm happy with the returns. contestchris chill just take things slowly. I'm not letting it go on autopilot.
Total ROI to date 2%

[attachmentid=8435872]
Xuzen

Let's start with the notion that all rational investors wants the best return for the least risk they take... correct?

Hence to get this best of both world, a bit like getting a good Wahgyu Steak at McDonald price....

You need to use ROI / Volatility also known as "risk to reward ratio".

The larger the number the better. In this way, Ponzi Two is better compared to Ponsi 1 with a better risk to reward ratio.

For EI GEM, using the same argument... well, since there are only two global emerging equity unit trust fund in whole of FSM inventory, namely EI GEM and AM GEM, which both sucks, personally I would stay away from global EM equity as a whole.

I want to eat Kobe beef paying McD price!

Xuzen

[attachmentid=8441372]

kasi support sikit.... all this goes into Xuzen Jr college fund.

Xuzen

if you can't get the responses you needed,.....
you can try manually removes some units after getting the email from FSM abt platform fees deductions or you can just "ignore" the platform fees because the % is just too negligible for it to have any serious impact on IRR calculation

Hello, first time investor here, got my FSM account ready last year but decided to hold till this year to get the RM1k incentive.

I've decided to invest RM3k per year to maximise the tax rebate too.

My question is, should i just invest may be around RM1100 for one fund (to get the incentive) and then take my time to invest the remainder in the next few months? I think it would be safer to break into a few PRS funds right?

Yeah if you ask me, currently the market looks like overheated. Funds are going up too fast.