This post has been edited by T231H: Jan 3 2018, 05:04 PM

here is what FSM says.....
"Clients can enjoy greater savings from Insurance@FSM as we are able to deliver 30% in commissions back to you. We help you in getting protected at the lowest cost possible and in turn encourage you to use the cost savings for your investments."

https://www.fundsupermart.com.my/insurance/...e-insurance-fsm

Don't forget the no of funds available on FSM SG and HK makes the world of difference between their managed portfolio vs our version.

yes,....
more selection, more ,...but i think the selection guidelines, methodology and top mgmt directive on where and by how much% also play apart.

comparing FSM HK, FSM SG and FSM MY...are just comparing based on past.......
further more, those that cannot get access to those resources have just have to get the FSM MY one lor...

Actually that's where you are wrong.
1) FSM SG is a very easy place to open account. All can be done online
2) In the long run, FSM SG managed portfolio > FSM MY managed portfolio as their fees is only 0.5% p.a

that is where you got it wrong too...
not many what to get extra trouble to do that...like opening and SG bank a/c....& getting into more forex risks.
fees...is also another matter..not many people are as calculative as you are.....
if really want to be concern about paying fees...UT investing is not on their list....

That's where you got wrong too. FSM SG does not need a SG bank account

wow...tell me more

All application are all online. Same goes with FSM HK. One does not need a HK bank account to open account with them.

then the forex exchange to and from there?
what is the spread & tt charges like....?

This post has been edited by T231H: Jan 3 2018, 05:39 PM

can get open but no enough money to invest...for some....

UT should be money you don't use for 3 years+ right? So unless you are in urgent need of money, than opening account with FSM SG/HK should not even be considered at all.

HKD is pegged to the USD so how the uSD perform = how the HKD will perform.
That cannot be said about SGD as in SGD case, MAS (their BNM) wants the SGD to keep appreciating in the long term

Spread and charges is one time event (every topup) unless you keep bringing back and sending money out then it makes no sense to open FSM MAPS.

FSM MAPS fees
Conservative 0.35% p.a
Others 0.5% p.a

If can buy managed portfolio, mana tak ada duit.
FSM SG only need min SGD5k to start and min SGD1k to topup. Offer partial withdrawal too.

This post has been edited by Ramjade: Jan 3 2018, 05:56 PM

anybody know if there are sc promotion for managed portfolio ? planed to put in rm10k to try. tqvm

thanks for correcting and sharing....

my to be happening port by Mar 2018
currently left need to switch 3% AmreitsPRS to Ponzi 2.0 by end Feb than can happens
will be monitoring Ponzi 1.0 performance till end Feb too......maybe switching all to Ponzi 2.0
now my HK/China/Taiwan is abt 12%....if add switching from Ponzi 1.0.....will it go up to 15%

care to suggest for enlightenment port?
I need this port to give 10% ROI in 2018.....

This post has been edited by yklooi: Jan 3 2018, 07:47 PM


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I think most probably not.....why not read just a few posts up......posts by Ramjade worth considering.....

Wow. So many..

yes,...many......
managed port also many ......same, same many....

but between 29 Dec and 2 Jan...my DIY is +0.5 where else FSM's is -0.03

I think our Sarawak friend cancelled his policy with the agent and bought from FSM.

Fsm refund certain part of the commission they receive, back to you. So, of course buying from FSM is more beneficial, monetary wise.

I would say at this moment, only term life insurance is offered directly from insurance company. Purchasing that will not provide comprehensive insurance coverage. The industry is still far from providing the necessary coverage via online or directly. So don't wait.