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

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Ramjade
post Feb 24 2017, 12:06 PM

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QUOTE(puchongite @ Feb 24 2017, 11:53 AM)
Is it correct to say if there is a fed rates hike coming up, it will favour bond funds ?
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Increase in rate is bad for bond and Reits. However unlike bond, reit can increaee rental to cover.

Think of it. If FD give 3% and bond give 3% and reit give 3%, which one will you choose?
Ramjade
post Feb 25 2017, 09:40 AM

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QUOTE(Avangelice @ Feb 25 2017, 09:35 AM)
people jumped on Rhb emerging markets bond after xuzen talked about it.

Rhb Asian total return fund too was mentioned by him last year and suddenly every new member had it in their portfolio

so yeah. kinda scary when the new guys take things literally and form their portfolio based on ours here
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When I started last year, I didn't even buy those 2 funds. Instead I was more interested in United Asian HY bond fund. Only bought the United bond in December.
Ramjade
post Feb 25 2017, 09:45 AM

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QUOTE(em0kia @ Feb 25 2017, 09:41 AM)
Been investing in FSM for 6 months. Now my ROI is 6%. Not sure if its decent hmm.gif
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6 months 6% beat amanah saham and EPF liao. Now just hope nothing happen.
Ramjade
post Feb 25 2017, 09:51 AM

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QUOTE(T231H @ Feb 25 2017, 09:47 AM)
you were some of the lucky guys that have to time to travel around....
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Bro, United asian hy bond fund no need to travel. Can buy from FSM MY even though you don't meet the condition.

It's a pity eUT doesn't sell it.

This post has been edited by Ramjade: Feb 25 2017, 09:52 AM
Ramjade
post Feb 25 2017, 09:59 AM

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QUOTE(T231H @ Feb 25 2017, 09:57 AM)
then I guess you are lucky that you got what you want...btw how are their performance against ATR and EMBF and its risk rating ...maybe some cannot take the risk...
just like some would just go for Anista bond instead of RHB Islamic bond....
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I think United have lower risk rating than RATR.
Ramjade
post Feb 25 2017, 10:07 AM

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QUOTE(MUM @ Feb 25 2017, 10:03 AM)
then are they in the recommended list?
lower risk, better returns than ATR (ATR is in the list)
what are the 2 HY funds in FSM terms that you mentioned....I need to see more details
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You check out more info few pages back. As what puchongnite said. It's a wholesale fund so it will never be recommended.

QUOTE(puchongite @ Feb 25 2017, 10:05 AM)
United is a new fund and theoretically it is for whole sale and HNWI, so I doubt it will be put as recommended.
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Ramjade
post Feb 25 2017, 10:16 AM

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QUOTE(MUM @ Feb 25 2017, 10:09 AM)
so Mr Ramjade is a HNWI
:thumbsup:  notworthy.gif  to him
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No. I mentioned so many times already. Not qualified for wholesale fund but still buy it. Reasons?
- You can buy the exact same fund in SG without any restriction also. So why the double standard?
- Beside that fund, I am also looking at eastspring Japanese fund (it's wholesale but need rm1k only and you can buy the fund in SG without needing any declaration)
Ramjade
post Feb 25 2017, 10:29 AM

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QUOTE(MUM @ Feb 25 2017, 10:26 AM)
I think they have "declaration" requirements and the high minimal sum too.
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For United fund, I cannot afford the other class so took MYR class (lowest amount)
For eastspring Japanese fund min requirement is only rm1k only despite being wholesale fund. It's performance is better than affin japanese fund.

This post has been edited by Ramjade: Feb 25 2017, 10:29 AM
Ramjade
post Feb 25 2017, 10:33 AM

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QUOTE(tonytyk @ Feb 25 2017, 10:32 AM)
United Asian High Yield - RM Class is listed in eUT, is this different?
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It's not available. There's a * which indicate it's not available online.

This post has been edited by Ramjade: Feb 25 2017, 10:34 AM
Ramjade
post Feb 25 2017, 10:48 AM

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QUOTE(killdavid @ Feb 25 2017, 10:43 AM)
if you look at dec till now, kenanga growth fund is charging up like a race horse. What's up with that? anyone still buying malaysian equitiy fund lately ? looks like on a path of recovery if oil stays above 60 usd
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Oil is not going above USD55. USD55 is the resistance. As oil price keep going up, more shale operator comes online, more oil being produced, price of oil will drop.

Yeah. It keep going up. Already 5.x% for me. Will take profit and withdraw everything when it hits 10% as I don't believed the fund can exceed 10%. Asia pacific maybe can. My cut off for asia pacific 15%

This post has been edited by Ramjade: Feb 25 2017, 10:49 AM
Ramjade
post Feb 25 2017, 10:55 AM

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QUOTE(Pink Spider @ Feb 25 2017, 10:50 AM)
KLCI as a whole may have limited upside but bear in mind that KGF is an ACTIVELY MANAGED FUND, i.e. the fund manager can switch from 1 stock to another as they see fit.

It is perfectly possible and doable to beat KLCI, I've been doing that for years already. icon_rolleyes.gif
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That I know. But if malaysian economy become worse, KGF also cannot be spared.
Ramjade
post Feb 25 2017, 08:25 PM

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QUOTE(wodenus @ Feb 25 2017, 06:50 PM)
Makes no sense to me too. Why limit your profit? if people want to do that they might as well be buying stock, it would be cheaper smile.gif
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Take profit la. If it goes up to 10% return, IF I AM RIGHT, it will reverse, if it reverse, rugi la.
Ramjade
post Feb 25 2017, 08:53 PM

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QUOTE(wodenus @ Feb 25 2017, 08:36 PM)
What happens when it goes up again?
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A profit is a profit. I don't have a bright outlook for Malaysian equities remember?
Ramjade
post Feb 25 2017, 11:32 PM

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QUOTE(fingertips @ Feb 25 2017, 11:29 PM)
Sifu pls give me all ur option, I just follow u
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Do not follow blindly. Have you read first page and answer FSM Questionnaire?
Ramjade
post Feb 26 2017, 08:03 AM

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QUOTE(fingertips @ Feb 26 2017, 01:11 AM)
after reading so much i felt like everyone is just guessing.
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It could be guessing it could not. Why? In the long run (UT) will always go up IF you choose the right one. How to choose the right one?
(i) Track record - this is just a guide and not a promise it will repeat itself
(ii) Check returns of the fund vs peers, benchmark.
(iii) Check the sharpe ratio
(iv) Others

QUOTE(fingertips @ Feb 26 2017, 02:12 AM)
I think I'll just pick recommended fund by fundsupermart and let the fund manager do their job.
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Did you know that not all FSM recommended funds are good whistling.gif whistling.gif Some of LYN forum personal selection is better whistling.gif whistling.gif
Ramjade
post Feb 26 2017, 11:18 AM

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QUOTE(xuzen @ Feb 26 2017, 11:17 AM)
I have a feelin', speculative at this juncture, that the sales charge is not their main bread and butter. For all they care, they can survive with even zero sales charge. They, here refers to FSM.

For, it is my speculative view that FSM derive their main income is from the perpetual recurring income aka trailer fee. Once their asset under advisory (AUA) hit a certain threshold, they can earn their keep by just relying solely on trailer fee.

At this jucnture, the 2%, the 1% or the merdeka 0.57% sales charge are all just marketing gimmick. I forsee in the near future, zero sales charge may be the norm rather than exception.

Xuzen
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If and when they introduce zero percent service charge, I will join back biggrin.gif
Ramjade
post Feb 27 2017, 02:51 PM

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QUOTE(killdavid @ Feb 27 2017, 02:47 PM)
Wei, don't hit the panic button so soon.

"Asian stocks fell while gold and the yen were steady after three days of gains as investors grew cautious before speeches this week from Donald Trump and Janet Yellen."  -- Bloomberg
Question, how long does it take for FSM to process distribution and add the reinvested units under our holding ?
Been one week already still no update.
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Damn. Better I convert some USD this week before both of them gave their speech.
Ramjade
post Feb 27 2017, 03:00 PM

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QUOTE(Avangelice @ Feb 27 2017, 02:52 PM)
gg when trump fails on materializing his promises and the us investors start pulling out their money from the markets
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I don't think he will fail. If he fail in giving speech, the USD/US stocks wouldn't have rally so much since he gave his victory speech.

Ramjade
post Feb 27 2017, 03:51 PM

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QUOTE(dasecret @ Feb 27 2017, 03:44 PM)
Thanks boss. Obviously on this thread what you say bear a lot more weight than what I say. Been trying to say this so many times and yet get replies like "but the initial investment only RM10k", or "FSM doesn't check or ask for income or networth proof"

How do you protect retail investors from banging wall on their own?  sweat.gif
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Pain is the best teacher and must read first before buying.

This post has been edited by Ramjade: Feb 27 2017, 03:51 PM
Ramjade
post Feb 28 2017, 01:39 PM

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QUOTE(David83 @ Feb 28 2017, 01:08 PM)
Surprisingly Evergreen fund is not in the list.
But Kapchai fund is in the list.
Manulife REIT fund is in the list too!
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Go manulife REIT flex.gif

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