I think that is one of the reasons the FH and its resellers are insisting that risk profile questionnaires are needed to be filled before a portfolio style be suggested.....
sort of disclaimer from being accused of misselling later.

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....

This post has been edited by T231H: Feb 25 2017, 09:58 AM

I think United have lower risk rating than RATR.

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

This post has been edited by MUM: Feb 25 2017, 10:04 AM

United is a new fund and theoretically it is for whole sale and HNWI, so I doubt it will be put as recommended.

You check out more info few pages back. As what puchongnite said. It's a wholesale fund so it will never be recommended.

so Mr Ramjade is a HNWI
to him

Yes.

My take - Ringgit at 4.4X vs USD1 is already near bottom

Read their latest article, FSM is saying that Ringgit downside is VERY limited, it can only go up from now.

MGS yield is above historical average vs regional/Asian bond yields are at BELOW historical average

I'm also only holding, long long time no top up on that 2 Asian & EM bond funds already.

This article:
https://www.fundsupermart.com.my/main/resea...eading-to--8042



Wait, wait...

EM bonds still attractive

This post has been edited by Pink Spider: Feb 25 2017, 10:15 AM

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)

i see a risk in UA HY fund. This is non-investment grade bonds or junk bonds. But still fine, RHB EM fund also junk bonds, the thing that caught my attention is its allocation of >30% in China. RHB EM is more dispersed across many counties.

There has been a lot of articles from bloomberg where analysts are talking about the growing risk of unregulated debt structure in China, and could be the trigger that destabilize the china economy. The gov are putting in regulations but the banks keep finding loopholes. Scared i cannot sleep at night

That HNWI thingie is only a government thingie, nobody bothers about it.

It is not something which makes a lot of sense

then I guess the below is true too...

I think they have "declaration" requirements and the high minimal sum too.

then I guess the below is true too in a way....

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

Well I supposed most people who really invested in these funds will meet but some might not meet, still nobody will come down a body search on you.

Leave the risk management to the fund manager, u paid them management fees for that.

United Asian High Yield - RM Class is listed in eUT, is this different?

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