I fire small amount when the price is right and super big rounds if the price is super and like I said, I don't need to worry about sales charge.

This post has been edited by Ramjade: Feb 7 2018, 10:29 PM

As dasecret said, no need to wait for free promo. Topup when got massive discount.

People are starting to realise easy money is now over. Time's up to pay your dues. Interest rate is becoming expensive.

US market rebounded. Nothing to see

Don't worry. US all time high. Matter of time before they will drop some more.

Mean reversion.

Ignore the service charge and just pay it.
Alternatively, buy RM 5k using eUT. No need to pay service charge.

Market starting to realise the effect of increasing interest rate and reits get sold down when this kind of things happen.

Good news is all SG reits rebounded. Not to their ori high but nevertheless rebounded.

Same here. Was getting my money in case it drop another 10%.

Please read front page.

I think this person is anticipating a crash is coming. A short pullback means the bull is still intact.

FI > bond funds
EQ > equity funds

Depends. Some yes. Best to check with customer service before doing a switch

To avoid getting charge
1) learn credit ninja trick (EQ A > bond fund A > bond fund B < EQ B) where A and B represent different fund house.
2) open a wrap account where you can switch for free but at a cost of annual platform fee of about 1% which brings us to no 3) invest directly in FSM SG and you can switch around for free but pay only 0.4%p.a platform fee
4) invest using POEMS SG and avoid all service charge + platform fee + switching free (it's basically free to buy, hold and switch - all fee is 0%)

Fix income means those with the name bond fund while equity fund dies not have any "bond fund" name.
Majority of bond funds only give you board FD rates or worse. There are some which give you double digits but best avoided as if you want double digit, you go for equities. A bond fund is not for chasing returns. It's to stabile the portfolio.

What you are seeing is old news. All s-reit increase in price

Actually it depends. If a reit can increase rental to offset increase in rental payment, it will be good. Something which bond can't do.

Depends lo. Some reits have built in contract which increase rental according to interest rate.

When interest rate are rising, bonds will be the most affected as their payout coupon is fixed compare to Reits.

You can consider amanah saham fixed fund as parking place. Follow the thread, and buy when everyone says there's a lot of unit on sale. All online. No need to go see nasty banker face. Play the game as how some people do - treat the ASNB products as high saving interest account.

But to sell, still need to see nasty banker face.

This post has been edited by Ramjade: Feb 21 2018, 12:49 PM

In a bull marker, everyone is making money.

If you want to save cost and don't want to let maybank earn that extra commission then yes. Remember, by using FSM, that's extra 1.25% that get invested vs using maybank. 1.25% over long term builds up significantly. For every dollar save, that's additional dollar gain for investment.

Signing up for FSM is so convenient as everything is online.

Something like this, Click sell, select how many units you want to sell, click sell. Key in password. Click OK. Wait for money to be deposited back into your account or FSM CMF account.

FSM sells 2 kinds. Bonds and bond funds please know the difference between them.

For bonds, usually you need to be priority customer before banks will offer you to buy bonds. However FSM let you buy at way way cheaper price.

I am not familiar with buying bonds via FSM. Better to consult their customer service.
Cheaper as in before FSM were selling bonds, one usually need to cough up RM200k just to buy bonds from banks. Now, I think one only need RM5k to buy bonds from FSM. Again best to check with customer service.