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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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TSAIYH
post Mar 17 2017, 07:09 PM

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QUOTE(dasecret @ Mar 17 2017, 06:55 PM)
Oh ya hor, you read chinese; but i find mandarin articles about investment very hard to digest, when I try to read those on FSM SG or FSM HK; can go nuts
And I actually had 11 years of mandarin education  sweat.gif
Yeah, this fund pale in comparison of its peers
Actually there's a lot of potential for those IFA (independent financial advisors) as well; untapped market compared to klang valley. And when your competitor is PM, easy peasy la; Just need to deal with AMLA requirements carefully  whistling.gif
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Is just like u read financial reports in Chinese, we are not native enough to read professional stuff like we used to be expose in English laugh.gif

When I follow financial market news, in Chinese, will be a nightmare, but trying to cope and improve Chinese proficiency in professional field smile.gif
TSAIYH
post Mar 22 2017, 09:15 PM

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QUOTE(David83 @ Mar 22 2017, 06:24 PM)
Wow ... Ponzi 1.0 dropped 2.1% yesterday:

1.6657 -0.0370 -2.1730
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QUOTE(puchongite @ Mar 22 2017, 06:48 PM)
That's fishy. Correction started by US only happened today.

Ghee, this NAV calculation thingie seems to have some black magic. Sometimes up too much and sometimes down too much.
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QUOTE(Avangelice @ Mar 22 2017, 06:51 PM)
profit taking happened in the Malaysian Stock Exchange. it's been echoed by all remisers across all trading platforms. my own stocks are affected, most likely the 2% change was from Malaysian side as all my Asian funds arent affected
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But for tueday price, ponzi 1 drop doesnt correspond to tuesday's kgf and kap chai up hmm.gif

Even for wednesday price, kgf and kap chai only drop a few points hmm.gif

i wonder why hmm.gif


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TSAIYH
post Mar 24 2017, 11:24 AM

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QUOTE(Steven7 @ Mar 24 2017, 11:20 AM)
Yeah I realized that no one could answer me, what I am doing now is perhaps topping up to Cash Management Fund, then topup from time to time instead of using RSP. Good idea?
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Both also can. depends on whether u want to manual top up at your preferable date or let them RSP automatically at fixed date tongue.gif
TSAIYH
post Mar 24 2017, 11:41 AM

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QUOTE(Avangelice @ Mar 24 2017, 11:27 AM)
RSP has 1% SC now. only if you have an insurance with fsm. thinking of taking advantage of it
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Erm, the 1% SC is only valid proportionately.

If you only pay rm200 monthly premium, the 1% is only valid for rm200 RSP, above that same SC.

MY monthly RSP is around 1k, takkan you want me buy insurance with 1k monthly premium? sweat.gif laugh.gif

QUOTE(Steven7 @ Mar 24 2017, 11:40 AM)
Yeah I saw that too! Pretty attractive! But too bad I am not earning MYR so my MYR funds would run out anyway, hence I couldn't sustain the RSP and may be going for the Cash Management Fund way.
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You can RSP from CMF, put large amount in CMF, then let it deduct from there monthly tongue.gif

This post has been edited by AIYH: Mar 24 2017, 11:43 AM
TSAIYH
post Mar 24 2017, 01:56 PM

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QUOTE(Avangelice @ Mar 24 2017, 12:20 PM)
you telling me without the insurance RSP still get 1%?

never looked into RSP so I don't know RSP gets discounts on SC
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without insurance normal SC
TSAIYH
post Mar 24 2017, 02:33 PM

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QUOTE(Avangelice @ Mar 24 2017, 02:21 PM)
and I just found out RSP only applies to certain funds. was thinking of RSP for Ponzi 2.0. aiyh what funds do you normally RSP.

add on.

my bad. special lists are for those who don't need a initial investment. Thank you.
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Some funds (mostly wholesale) dont allow you to RSP at all.

So just check the fund page in fsm for the fund you want and see whether there is any RSP amount, I RSP all my funds, you can trace my funds few page back tongue.gif
TSAIYH
post Mar 24 2017, 02:38 PM

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QUOTE(Avangelice @ Mar 24 2017, 02:35 PM)
I did the calculations.

250x1%= 2.5. lol why did I even bother.
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ask yourself innocent.gif

anyway, say u want to top up 5k, instead of just top up, u can set up an RSP so that on 15th, it deduct 5k from your CMF to save 1%, then cancel the RSP tongue.gif

provided you have 5k monthly insurance premium devil.gif

This post has been edited by AIYH: Mar 24 2017, 02:39 PM
TSAIYH
post Mar 24 2017, 07:39 PM

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QUOTE(contestgeek @ Mar 24 2017, 07:29 PM)
I came across this company recently. Have invested in the past. Have the following questions (apologies if they are dumb):

1) Is there any exit fee involved? Say I want to withdraw my investment from the website into Maybank, what are the costs involved? If my fund's net balance on the day of transaction (I am aware of forward pricing, yes) is RM1521.20, what amount will be deducted for transfer into my bank account?

2) I don't understand the Equity > Bond > Equity clearly. If say I transfer equity fund with RM15232 into a bond fund...I get 15232 credits, correct? But then the bond fund will slowly appreciate..meaning it is impossible to go back into Equity Fund since the credits won't be enough. Is this how the company "tricks" people, or am I missing something?

3) Is it possible to open multiple sub accounts? This is because I have RMXXX to invest now, strictly for long term. In the near future, I will have a shorter investment horizon. If I buy Kenanga Growth Fund RM5,000 today, I want to keep it separate from my future investments in the same fund. Hope somebody understands what I am saying.

4) Is 1% service charge really applies? On my checkout page it says 2%.
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1) exit fee not by fsm, rather by individual funds, some funds like rhb bond, and rhb islamic bond do have exit fee, read their fund page for more info.

other than that, what u sell = what u get smile.gif

2) when u transfer from equity to bond within the same fund house, u will get credit point equivalent to 2% of your proceed (in this case, u sell 15232 from equity to bond, u get 762 credit)

when u wan to transfer from bond to equity within same fund house, u could utilize those credit points, say u want to buy 10000 of equity, u could utilize 200 credit points

the catch is of course, if u decide to go from equity to bond then to equity, u will take some transaction time to complete the whole process (typically 2 weeks long if from equity A -> bond A -> bond B -> equity B)

3) I am not sure whether u can open a beneficiary account under own name or must be other people sweat.gif

but u can only open one personal account sad.gif

4) kindly elaborate more tongue.gif
TSAIYH
post Mar 26 2017, 06:47 PM

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QUOTE(ic no 851025071234 @ Mar 26 2017, 06:45 PM)
My Investment in rhb Asian income now negative return is it still worth?
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Lol, negative return =/= bad fund, need to understand why negative return, compare with its peers, you might just bought at a higher price previously, stay cam smile.gif
TSAIYH
post Mar 28 2017, 09:37 PM

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QUOTE(Ramjade @ Mar 28 2017, 09:32 PM)
Wow.

TA Tech drop from 9.9x -> 8.0x. Big drop but not big enough.
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partially due to usd depreciation sweat.gif
TSAIYH
post Mar 28 2017, 09:42 PM

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QUOTE(Ramjade @ Mar 28 2017, 09:39 PM)
I thought it was due to healthcare bill which cause the US stocks to retreat. But drop too little to buy.
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probably that doesnt shock tech stock much tongue.gif
TSAIYH
post Mar 29 2017, 11:52 AM

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QUOTE(wongmunkeong @ Mar 29 2017, 11:30 AM)
laugh.gif  which is also a good thing (Asian sheeps, US lemmings) too - good for those who does second or third level thinking, else hard to make $ leh
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Big picture is for long term value investing smile.gif

Short term noises is for speculative trading brows.gif laugh.gif
TSAIYH
post Mar 29 2017, 12:03 PM

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QUOTE(xuzen @ Mar 29 2017, 11:59 AM)
Speculative trade? Forget Algozen™ or FSM recommended list. These are for boring slow and steady play.

Play gold UTF lagi better, if speculative play is the desire.

Xuzen
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Of course if talking about speculative trade, UTF nor stocks will be the desire platform to play liao laugh.gif
TSAIYH
post Mar 30 2017, 11:44 AM

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QUOTE(Ramjade @ Mar 30 2017, 11:41 AM)
Did that But I can't set the parameter as what zuen set it.
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do you know about display shortlisted? tongue.gif
TSAIYH
post Mar 30 2017, 11:46 AM

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QUOTE(TaintedSoul @ Mar 30 2017, 11:44 AM)
Greetings from Fundsupermart.com.

We are glad to inform you that our FSM Johor office has established for 8 months since July 2016. We could not do that without the supports and trusts given by our valued clients based in Johor.

As such, we would like to give a special offer to you as a token of appreciation.

You may enjoy 0.8% special Sales Charge for your purchases with us from 28 March to 31 March 2017.

Below are the simple 3 criteria to grab the offer:

1) This offer is applicable to All Unit Trust funds in FSM platform
2) Unlimited amount and numbers of purchase by 31 March 2017
3) Reply this email in order to notify us to adjust sales charge manually after placing order online before 2:30pm.

Once again, we take this opportunity to say thanks for your continuous support and wish you happy investing with us.

Regards,

Client Investment Specialist Team, Johor Bahru
Office No: 07-300 6098
Email:    investhelp.my@fundsupermart.com
Address:  21-2, Jalan Molek 3/20 Taman Molek 81100 Johor Bahru Johor
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You can buy just like that or you need special code?
TSAIYH
post Mar 30 2017, 03:09 PM

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QUOTE(john123x @ Mar 30 2017, 03:05 PM)
Btw, i am thinking of doing PRS to reduce tax. The best performing PRS is from cimb. And cimb got the extra requirement of filling up contribution form to set up automatic deduction.

I think the auto deduct is kinda a bit troublesome...must always prepare so that there will be enough balance for deduction
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Or you could literally just put a lump sum in CMF and auto deduct from there tongue.gif
TSAIYH
post Mar 30 2017, 04:25 PM

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QUOTE(john123x @ Mar 30 2017, 03:53 PM)
do you have CIMB PRS too?

because the info from FSM website FAQ:
and the CIMB Contribution Form doesnt have the option of FSM CMF
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Yes I have smile.gif

For initial subscription, u need to submit those forms.

If you already have PPA number, u can invest via CMF for initial investment.

If you dont have yet (first PRS investment like me tongue.gif), you can only do initial investment via FPX.

Subsequently, you can top up the PRS via CMF by manual/setting up RSP smile.gif
TSAIYH
post Mar 30 2017, 04:33 PM

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QUOTE(Ramjade @ Mar 30 2017, 04:31 PM)
Few questions:
1) where does the RM1k goes? Does it goes into Cimb PRS automatically?
2) Can I use that RM1k to put into Cimb PRS?
3) Can topup manually via FPX for later subsequent topup?
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1) 2) what 1k u are referring to? hmm.gif

3) can of course, just like other UT tongue.gif
TSAIYH
post Mar 30 2017, 04:45 PM

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QUOTE(Ramjade @ Mar 30 2017, 04:44 PM)
They give you RM1k or RM500 x2?
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Total is 1k,

If you have n amount of PRS funds reach 1k balance add the same time, then it will distribute 1k/n into each PRS fund
TSAIYH
post Mar 30 2017, 04:57 PM

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QUOTE(john123x @ Mar 30 2017, 04:52 PM)
I think PRS beside CIMB have the option to topup as we want to
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that one u dont need to fill if u invest via fsm, u can choose to go for fsm payment method instead tongue.gif

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