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

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adele123
post Jun 29 2021, 09:13 PM

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QUOTE(2387581 @ Jun 29 2021, 11:54 AM)
Can share which platform you use for US ETF?
I'm having hard time convincing myself to buy ETF using small amounts due to the high % of transaction costs.
And I haven't figure out the tax implications too for Malaysian buying US ETF on capital gains/dividend...if anyone know where to point me to.
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QUOTE(lee82gx @ Jun 29 2021, 01:22 PM)
Easiest way to get involved in high quality international (mostly US equity) etf is StashAway.
Fees are 0.8% per annum, forex is 0.1% one way one off (usually less than that).
Downside is you can’t really choose the exact etf but you have to select a portfolio of etfs that diversify and try to keep risks low (package deal).
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Not a user of AKRU but would AKRU give more exposure to US ETF?

Just throwing out options. biggrin.gif
adele123
post Jul 9 2021, 09:17 PM

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QUOTE(Michaelbyz23 @ Jul 9 2021, 04:06 PM)
Hi guys, Im newbie to FSM stock & etf investment.
May I ask, is the cost of buying stocks from FSM considered high?
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This may be a question more easily answered in the stock exchange. To me, FSM is relatively expensive. Because i have hong leong.

Hong leong charge 0.08%, min rm8.

Fsm charge 0.05%, min rm8.80

Rarely i exceed the min amount in HL. But if always invest rm20k one transaction, then fsm cheaper lo. Depends what kind of investor.

I prefer having a direct cds acct. I believe fsm is not direct cds acct, if i'm not wrong. Please fact check. Lol.
adele123
post Jul 27 2021, 04:02 PM

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QUOTE(jj_jz @ Jul 27 2021, 03:34 PM)
Hi all, I have sold most of my heavy china related fund into cash account first, to secure the profit and waiting for a better chance to reenter at this moment instead of DCA as I believe this major crash will still happening for a period.

Just wondering, i think we all agreed that this china crash will affect most of the market, asia and US. Would like to hear from you all on your perspective into this.
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I have bought into china fund today. Via the affin ETF though.

Time to buy buy buy for me. Who has not much china exposure.

This post has been edited by adele123: Jul 27 2021, 04:03 PM
adele123
post Jul 27 2021, 09:21 PM

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QUOTE(xander83 @ Jul 27 2021, 07:56 PM)
Silly to buy falling knife now as more crackdowns are happening coming next month  doh.gif
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Do you know if bursa gonna go up or down tomorrow?
adele123
post Jul 28 2021, 10:11 AM

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QUOTE(2387581 @ Jul 28 2021, 09:14 AM)
If anything I learn FSM's promotion time is indicative of market high

As you can see, timing is so important.

Just checked my own portfolio and realised that I have largest portion, about 27% of Greater China based on current valuation, will likely to cause overweight if I continue top up, because I also do have other APxJ funds, dilemma much
By the way, I think Bursa is announcing QR around these few days. Likely to be good, but not as good as same quarter last year. Probably just stay put for a few days observing market reaction.
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i was being sarcastic when i asked that question. dont need to be so serious.

I do not deny that timing is important but you can't time everything to the dot. example, the PRS that i have is AxJ fund which is rather on the "high" side, but i will still have to make some top up in any calendar year to enjoy the tax relief. guaranteed 20% + earned. too bad the fund is still on the "high" side.
adele123
post Jul 28 2021, 04:38 PM

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QUOTE(tehoice @ Jul 28 2021, 02:42 PM)
Which are the "China" heavy funds you all bought? or hold?
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Got a small portfolio in dinasti. Very small relative to total asset.

Also invested in the affin ETF listed on bursa. 0829EA. The full name is very long.


adele123
post Sep 1 2021, 09:42 PM

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QUOTE(ragk @ Sep 1 2021, 08:09 PM)
just register for fundsupermart recently, a fund with Management Fee of 0.15 and Expense Ratio of 0.15, does that mean the annual management fee are 0.3%?
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The total cost to you is 0.3%. I dont think the 0.3% is called annual management fee.

Expense and management fee are 2 different items which will be factored into the unit price.

My guess.
adele123
post Sep 24 2021, 10:13 AM

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Does anyone remember when does the PRS promo/campaign usually surface? Starts early november?

I top up some during the march 2020 time so didnt enjoy promo last year

This post has been edited by adele123: Sep 24 2021, 10:13 AM
adele123
post Dec 21 2021, 12:30 AM

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QUOTE(Fledgeling @ Dec 20 2021, 11:24 PM)
Follow-up question:
Currently Dow Jones has dropped
https://www.investors.com/market-trend/stoc...ck-set-to-fall/

If I buy a US EFT on Bursa Malaysia tomorrow morning, will I get the price as of 20 Dec or will I get the future price on 21 Dec?
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QUOTE(tadashi987 @ Dec 21 2021, 12:06 AM)
I will try explain base on my understanding, anyone is welcome to correct me if I am wrong.

ETF price is traded during the trading hours in the exchange/market where it is listed.
so the question of: how is the price of the ETF being considered?

it is straightforward, it depends on trading of market sentiment - willing sell, willing buy.

back to your question, right now (Malaysia Time 20 Dec 11:59pm), Dow Hone falling, so logically, tomorrow investor who hold US EFT on Bursa Malaysia tomorrow, they will tend to sell in lower price per se, AND if there is willing buyer, trade is matched, so that ETF price drops.

but of course it is not always the case, due to the lag time, there could be case that -> right now (Malaysia Time 20 Dec 11:59pm), Dow Hone falling, but tomorrow pre-market, there are certain factors, said US announce no more drama with China, US announced some good news, which definitely people looking good at tomorrow US market, they wont sell off the US ETF listed in Bursa market despite today price falling.

To go even more extreme, said US market has consecutively drop for whole weeks, but US ETF's price in Bursa market doesn't move at all, perchance there is no matched trade at all, due to low volume (holder don't sell, or buyer don't want to buy)

you need to understand ETF price/ stock price is based on sentiment, the price is always based on the market sentiment which investor willing to sell/buy.
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Not quite correct for the description of ETF.

You forgot that the ppl who managed the ETF can sell new units or buy from existing unit holders, so aside from purely willing buying/selling, there is market maker. At a minimum you can buy/sell from market maker. This is also why it has somewhat hogh liquidity.

Using the ETF listed on our bursa from affin hwang, the trade plus series, all of them will have affin hwang as market maker.
adele123
post Dec 27 2021, 01:23 PM

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QUOTE(george_dave91 @ Dec 27 2021, 09:25 AM)
Hi guys. Just curious as to how most others are going about with their FSM UT investments. Will be glad if anyone is willing to share their strategy/allocation/etc.

In my case I’m going with a 90/10 stock to bond allocation for now. My bonds are local, as for my equities it’s mainly split between developed markets and APAC, although it is more heavy on APAC for now.

My funds are as follows:
Amanahraya Unit Trust Fund 10%
Affin Hwang Select APAC Div Fund 30%
Principal APAC Dynamic Growth Fund 25%
Principal Global Titans 35%

I mainly rebalance monthly using new funds (just by adding to whichever has fallen most from the ideal allocation). If there’s some significant change to the allocation due to market volatility (5-10%), then I would consider rebalancing.

What do you guys think? What’s does your portfolio of UTs look like?

Cheers.
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Answering your question on what my UT portfolio looks like.

7% bond
93% equity

the 93% is actually
45% asia pacific via Principal Asia pacific dynamic income fund
22% eastspring small cap fund
19% kenanga growth
7% manulife india

as to what i think of your portfolio, i would suggest you simulate abit what happened in march 2020, and understand how you feel if a similar event happen. aside from that. i myself do not have a good strategy myself.

adele123
post Dec 27 2021, 03:23 PM

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QUOTE(sgh @ Dec 27 2021, 01:50 PM)
Above caught my attention. That is a rather big allocation on small cap fund which I also have but smaller. The upside is good if it perform well.

This fund geography is Malaysia only small cap fund? Hmmm more daring than me. My small cap funds are usually say Asia,Europe etc region based small cap fund.

Sorry pls ignore above. I am from Spore just notice yours is FSM Msia. It doesn't hurt to support your own country economy. Then quite ok allocation.
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It's ok. Also he asked about UT allocation. I just share for fun. But the 22% is high but it's not high relative to overall asset.
adele123
post Dec 27 2021, 11:35 PM

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QUOTE(george_dave91 @ Dec 27 2021, 10:43 PM)

Hey thanks for sharing. That’s quite a bit of exposure in Malaysia I see. Any reason for that? Anticipating some significant growth in the near future?

In my case, the equity funds are predominantly foreign Cz if I consider the money I have growing in epf and my bursa stock portfolio, I would say I’m overly exposed to the Malaysian market (and it hasn’t exactly been the best place for steady long term growth, in recent times at least). So yeah, I’m overly weighted in one country currently, one with a volatile political climate too. Didn’t want to put all my eggs in one basket so to speak. Well I guess it’s not too bad if you go for the local small cap and growth funds in the long term, just that in comparison to some foreign market, I personally feel there’s more certainty for decent growth. Just my speculative opinion tho.

All in how has your portfolio mix been returns wise and all? That being said this was a bad year anyways. My portfolio is down. But they’re UTs so I’m not too concerned. In fact if I had more cash I would dump in more. My stock holdings tho, those are rather concerning.
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i started off in 2014 when i think ppl are into global titan funds and also greater china fund... i invest in neither because i think it was too volatile for my taste. i have made mistakes here and there. my UT portfolio gives about 5 to 6% IRR on average but recently dropped to 4%. i believe, if i reduce my malaysia exposure, overall return should be better.

i think for me now is, the focus should be around 5 to 6 funds max. di-worse-sification is a thing. i actually stop buying into local funds. my plan is to not increase my malaysian equity... increase my exposure with some bond funds also. continue to increase put money into asia pacific regularly.

and i'm slowly increasing my stake into china heavy fund given recent drop in hk/china but doing via ETF instead.

what i'm lacking is exposure to the USA in my opinion.

I dont have a strategy. i just trial and error, see what i can do.
adele123
post Dec 28 2021, 04:27 PM

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QUOTE(calvincty @ Dec 28 2021, 02:59 PM)
Just made my first transaction today for PRS. May I know how to redeem the Tng credit?
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It's a campaign ended in november i believe. You need to fulfill the campaign criteria to be entitled.
adele123
post Dec 29 2021, 01:40 PM

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QUOTE(goliath @ Dec 29 2021, 11:37 AM)
hey all. i'm planning to get some KLSE stocks via FSM portal.

i am wondering if FSM is good enough (in terms of fees and charges) or is there better alternative like Rakuten, M+ and etc?

please advise.
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I dunno about rakuten or m+ but my min brokerage charge is rm8 only with vs fsm rm8.80.

Given that hong leong brokerage is 8bps now, and i dont trade that high per transaction, hong leong is more cost efficient for me.

Also i like having direct acct. So until i have the money to trade higher sum, i will not go with fsm just yet
adele123
post Dec 29 2021, 05:35 PM

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QUOTE(sgh @ Dec 29 2021, 04:32 PM)
Can I know what is direct acct? Does it means shares you bought via the broker is under your name? FSM is custodian so shares bought will be under their iFast name same like IBKR,moomoo,tigerbroker etc.
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Ya under my name.
adele123
post Feb 4 2022, 09:46 PM

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QUOTE(GamaX320 @ Feb 4 2022, 09:20 PM)
this year no free angpao?
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Myself and my husband received
adele123
post Mar 10 2022, 01:23 PM

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QUOTE(victorian @ Mar 9 2022, 02:07 PM)
It does make me feel better to know that I'm not alone. Others had it much worse.
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you are definitely not alone. i didnt check my FSM holdings, i just assume they are making not doing well.

personal stock holdings is the one taking a bigger hit and is in the red. and china etf bruce.gif

given that it's tax season plus bear market, maybe now will be a good time to top up my PRS.

This post has been edited by adele123: Mar 10 2022, 01:24 PM
adele123
post Mar 16 2022, 11:50 AM

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QUOTE(tehoice @ Mar 16 2022, 11:15 AM)
i started investing more substantially in the past few months, or since Q4 last year. now been down by easily 20-30% for china ports.

will keep dca to buy at dip (or dipper and deeper), let's see how it goes for another 2-3years from now.
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Ya i'm about the same. I mean since q4 already down alot... just didnt expect down even more this fast.

I top up my PRS yesterday. But prs is principal asia pac, the downtrend less scary.
adele123
post Mar 16 2022, 12:31 PM

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Repeat

This post has been edited by adele123: Mar 16 2022, 12:31 PM
adele123
post Mar 16 2022, 03:25 PM

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QUOTE(diversity @ Mar 16 2022, 02:34 PM)
My principal Greater China from +10% early last year to nearly - 30% now. No eye see.
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Today up like crazy
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