yes, that is the 2nd parts...let the FM do their job...
the 1st part is quite tricky .....picking recommended fund by fundsupermart....

example...
Misconceptions Of Our Recommended Unit Trusts List
In this article, we take the time to correct some popular misconceptions investors might have had with regards to the featured list.
https://www.fundsupermart.com.my/main/resea...July-2015--6041

also this....
To stay ahead of the game, it is not only important to understand the risks of the investments you are looking at, but also to understand your personal risk appetite. And the best way to do it is to assess your actual experience in investing. Investors who need advice or want a second-opinion on their investments can contact our Client Investment Specialists. They are able to assist you in distinguishing between unit trusts on our platform. Another method is to take the investor suitability assessment form by answering some questions such as your invesment objectives, risk tolerance, financial profile and investment experience.
For instance, you might have thought you are an aggressive investor who can cope with a high level of risk. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments may not so suitable for you because they are likely to cause you to lose money.

This post has been edited by T231H: Feb 26 2017, 02:25 AM

so I went explore the wholesale funds since we are 'qualifed' to invest in it.

Just for discussion sake, Wat do you think of AFFIN HWANG ABSOLUTE RETURN FUND II vs AFFIN HWANG WORLD SERIES - GLOBAL EQUITY FUND - MYR as a wholesale global fund? say if you have MYR 100k, which one will you choose?

personally, I i would pick the former because (correct me if i'm wrong)
1) its actively managed
2) they have a performance fee, which means they have incentive to perform,
3) the fund has been around for quite some time and survived a some recessions.
4) presence of redemption fee: it means your fellow investors will think twice before selling. this in turn lowers the volatility for the fund.

the problem is however, the lack of ability to average down (since only 100k is available, which is the min requirement) so if one only have 100k for this fund, he has to brave the storm in a downturn. then again, given the whole world to invest, the downturn shouldn't be that bad anyway for a seasoned fund.

*on a side note, for my real portfolio, im gonna top up ponzi quantum

Actually the FSM Recommmeded Portfolio is a good starting point. You can use it as a guide and tweak your portfolio from there.

Since you have RM50k to invest and assuming this is a substantial part of your savings, I would suggest you do DCA for the next 5 months or every alternate month. Just put RM10k for your initial investment into different funds and RM10k for the 2nd tranche, 3rd tranche, etc.

This is because the market can be volatile and you don't want to be caught investing one lump sum just before the storm hits.

Good luck in your investing journey!

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

Did you know that not all FSM recommended funds are good Some of LYN forum personal selection is better

Reading one post below yours, where Vanguard 2015 mentioned about using DCA to enter the market, wouldn't this lump sum investment of 100k into a fund violate this ? What if after the lump sum investment the market starts going into correction ?

Ponzi 2.0 and Great China potentially have 1% SC promo soon?

Are they going to win the Lipper award ?

If yes, can lar.

I looked previous Lipper award promotion, ponzi 2 entered there before but not CIMB china.

There r some funds not in the recommended list but quite potential return like manulife us and ta technology

Teach u guys 1 FSM hack. When they have this 1% promo just buy into it then switch to whatever find u interested. U get 1% sc for everything since switching is free

This post has been edited by ic no 851025071234: Feb 26 2017, 10:50 AM

Dragon fund was under promo back in 2016 so u don't think so.

wah you so smart! not being sarcastic. that's a cool trick

What "if" this 100k lump sum is just 10% of the UT investment value?
What "if" after this lump sum the market starts to going into the bull run?

I guess, those that are going to do to must have his/her contingency plan....
anyway...your concerns are valid.

100% sai lang into RHB Gold and General Fund. Are you feelin' lucky, punk?

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 T321H 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

This post has been edited by xuzen: Feb 26 2017, 11:23 AM

If and when they introduce zero percent service charge, I will join back

I just checked again, Cimb china was not in the 2016 lipper award promo.

Only the eastspring dinasti was.

This post has been edited by puchongite: Feb 26 2017, 11:21 AM

It won't happen. Not for FSM MY.

that's where there is a discussion. if one has 500k, then no discussion liao. definitely AR2. because you have 1 initial investment and 8 DCAs. Definitely agree with Vanguard 2015

but if one have only 100k, then that's where it really depends if one has bola besi or not means no DCA already. its as good as a closed ended fund. you can't add or sell for 6 months unless you are willing to pay the redemption fee. in my case, if I really were to get 100k, i'll tarik from my house loan, which is another risk


for the first IF, definitely go for AR2 already I think.
for the 2nd IF, if really true then huat arrr

This post has been edited by joylay83: Feb 26 2017, 12:14 PM

- double post -

This post has been edited by joylay83: Feb 26 2017, 12:11 PM

If you do recall, these products where is deemed wholsesale fund or fund open only to "sophisticated / accreditated" investors comes with certain T&C. Among them, the targeted participant must have MYR 3M in networth and / or household combined earning of MYR400K p.a..

For these qualified participants, it is assume that they have the financial capacity to withstand these flucuation and liquidity risk.

Whenn one sees these products from a retail perspective; that is why you start to think like this and like that such as; about DCA lar, about risk lar etc.

Interested participants should comprehend that these wholesale products are not targeting retail participants.

As such, come friend ... lai lai... let's play together-gether at the kiddie pool. Kiddie pool is nice, is safe and yet one can still enjoy the nice cool water.

Xuzen

This post has been edited by xuzen: Feb 26 2017, 12:41 PM

Thank you for sharing the currency chart. Pertaining to the 2012-2014 period, my memory has failed me :-)