When you decide to invest that time you are aware of the risk involved correct? Individual stock has high chance not get back. UT and ETF which is a basket of stocks should in theory get back some maybe not all. Selling now is locking your losses so you need make the decision.

That is why some investors propose invest in different asset classes like some in UT some in ETF some in REIT stock some in stock some in Gold some in endowment insurance etc

dont be so negative man. history shown us that the market always go up eventually

As the RHB cash management fund in FSM yielded quite high interest p.a., would it be wise we just keep cash in this fund instead of, say, FD?

How u guys doing in January? Finally a little of a breather after a disastrous 2022 for me...

For special customers only. I will stick to fundsupermart only. Will buy from AHAM direct only if AHAM restart Allocate plus or AHAM provides low sales charge for self-investor (like Principal Malaysia) 

Anyone still hold AHAM World Series - Global Disruptive Innovation Fund - MYR?
I am in dilemma whether to switch or continue hold
Currently still at -65%
If want to switch. is KAF Core Income, a good fund to go with?

check in jap.

lost money in "managed portfolio" from FSM MY on "conservative portfolio". Don't know what crap they're investing in.. probably bonds before fed raise interest rates. lol.

pushing the thread, hows everyone in FSM doing nowadays?

Eut not so user friendly

I've been doing RSP for VOO, SMH and QQQ using FSM which allows me to purchase friction of a unit. The cost of RSP (buying) is about 0.1% per RM1000. The 0.1% includes every fees and charges.

Has anyone compare of RSP between FSM and Moomoo?
I think Moomoo also allows the purchase of friction on a unit.
Just wondering whether I should switch my monthly RSP to Moomoo if the cost is lower.

The fees structure listed in Moomoo website is quite complicated.
https://www.moomoo.com/my/pricing
1. Platform Fees (does this apply to fractional shares?)
2. Charges for Fractional Shares Trading
3. Stamp Duty (does this apply to fractional shares?)
4. Settlement Fees (does this apply to fractional shares?)
5. ADR Custodian Fees  (does this apply to fractional shares?)

Anyone can share the cost per RM1000 for fractional shares in Moomoo?

I also heard that Moomoo app is pretty good with lots of information and news. One of the reason why I am thinking of switching.

Thanks.

Thanks for the heads-up bro. It wouldn't have crossed my mind that there are additional charges when liquidating unit trust funds. It's unheard of! The conventional UT's from the banks like CIMB, Public, etc have no hidden charges upon liquidation. I expect nothing worse from FSM.

Invested in Eastspring Investments Dinasti Equity Fund few years back. It is down 40%. Wonder if they will rebounce in the near future

Is option #4 something similar to DCA?

Still lousy. Don't bother with it. Use interactive broker. It's only useful for buying prs and EPF UT. That's what I am using it for only.

I won't use it for anything else other than for PRS and EPF UT.

Thet are not Interactive broker level yet.

The rate of return in FSMOne unit trust is it net sales charges and management fee? For example if my fund is showing a return of 10% should I minus my sales charge(1.5%) and management fee(1.8%) so my real return is 6.7%?

I noticed in FSMone they use the current NAV price and minus the WAC price to calculate the profit but I’m skeptical if this method is accurate ?