Never buy an ILP unless you kena conned/trick. Separate them. Always DIY investment where possible.

Morningstar for comparison of funds.

Do not buy funds based on brand name.

You do know that global equity is made up of 50% US right?
You can do your own world equity fund by
Buying one US focused fund
Buying one Asia/Pacific ex Japan fund
Buying one Europe based fund
Optional throw in a Japan fund

Taadaa. Your very own world equity fund

Manulife reit is focus in SG. Even better, if you have a SG brokerage, you can buy 3 types of reit etf.

Apparently you still have much to learn.

Precisely. Most likely they invest in companies which pay good or increasing dividend.


Dividend in unit trust is useless but for a fund which invest in dividends stocks are good as companies must have real cash to payout dividends (they can borrow to pay dividends but that's for fund manager to filter). Got different. The fund manager can invest in companies which are super stingy or are able to return some profit to shareholders.

For me I prefer the company return some cash to me rather than hoard everything. Of course if the boss in charge is warren buffet, it's a different thing.

Each fund have different uses. Dividend funds perform better in a down environment as mentioned: companies must have real cash to pay dividends.

This post has been edited by Ramjade: Jun 6 2018, 09:10 PM

Correction equity can mean dividend oriented companies. Equities is basically another fancy name for stocks. So is entirely up to the fund manager to decide which path he/she/they chooses. They can choose dividend paying companies (with track record of increasing dividends yearly), or they can go for those companies which hoard all cash to themselves or mixture.

And people laugh at me for supporting ASNB fixed price fund

Agreed. Compounding + fixed price fund makes it a winner.

Govt give you tools, use it. Why bother with tools which are not as safe as govt's.

Let see. This is what I learnt from kiasu SGreans. Make full use of the the govt give.

Not enough fear and blood on the street yet.

Free.

So fast give up? I am looking at further discount. Going to topup my PRS.

This post has been edited by Ramjade: Jun 28 2018, 08:53 AM

For me the more it drop, the more exciting it gets. The more it increase the least exciting for me.

Nope. If it drop it provide opportunity to accumulate. Do you need the money now? Nope.

Do you wish to buy when it's bloody expensive? Price drop with no change in fundamental in of the fund provide good opportunities to accumulate.

I don't give recommendations. But I give advise. Best bang for buck with consistent return. Not many quality PRSs out there. Most PRS out there are like shit.

It all come down to why you buy it in the first place. Are you satisfied with the return? Are you able to tolerate the downside?

A good fund must rise more than it drop.

For me before I buy PRS, it must fulfilled few criterias
1) return must be able to beat EPF and amanah saham rates consistently since both of them are considered low risk investment. No point I buy PRS if it's only giving me FD or EPF returns.
2) a volatility that I can stomach.

No point tax relief RM3k when it's giving FD only rate or (-) rate.

For me even I don't get that amount of tax I still buy PRS. Why? The RM3k I contribute into PRS is still mine vs giving tax to govt. I don't mind money being lock up.

This post has been edited by Ramjade: Jun 28 2018, 12:50 PM