I think what he meant was wanted to topup PRS but because FSM offer o.8% service charge discount, he will topup regular fund rather than PRS.

Market.

Looking to topup Global tech. Not very sure if is still cheap.

It's mainly market because of trade war.
Malaysia because of GE14
Bond and reit because of rising interest rate.

You guys know right buying when market is rising = buying when market is becoming expensive.

However, it's also wise to conserve ammo. Set yourself a target. If it fall by x% then you topup.

DCA is simple. You topup when every month without regardless if market condition.

The modified version which one can use is
Topup lesser when market is up. Why do you want to topup more when market is expensive? Then use the amount you save to topup more when market is down.

Market down is good time to topup more rather than when market going up.

For me, I don't topup when market is going up and up. Again why should I topup? So that FOMO? No thank you. Opportunity is comes. When market start going down, that's when I start to look and see if topup is worth it. If just fall 1-2%, just let it go. Again I said I look. Not topup. I set myself a range when I will start topping g up.

Come come baby.

I have full confidence in china as they have the firepower to do it unlike US which is practically broke.

Doesn't matter if is a long fought out war. My money is ever ready. Like I said no rush to buy.

If you don't have money at this time then you will miss the boat.

This post has been edited by Ramjade: Jul 11 2018, 05:52 PM

Awaiting to pump my PRS. For regular UT I can pump anytime I want as I always have access to zero percent service charge. So no hurry. For regular UT I would like it to fall a bit more for it to hit that sweet spot.

Planning to. Not yet hit the target price for my fund yet.

This post has been edited by Ramjade: Jul 11 2018, 06:40 PM

Leave it unless you anticipate a crash coming soon. Then you run. Protect your capital

Two words.
POEMS SG.
No need priority/platinum member rubbish. Open to everyday people like you and me.

No need. That's for stock. For UT is really free. No platform fees, no service charge.

This post has been edited by Ramjade: Jul 13 2018, 08:49 AM

If in Malaysia, only PRS.
If you are open to put opinions, then robo advisor in SG would be an excellent choice. Stashaway.

Read front page. Yes can withdraw anytime but bear in mind
-when you buy there's service charge of 1.75% so if you withdraw straight away, expect to lose 1.75% on the spot.
- money will come back in about 1 week.

Of you want instant withdrawal, your only choice
-savings account
- FD
- amanah saham fixed price fund.

If you can wait 1-2days, then money market fund would be another option.

This post has been edited by Ramjade: Jul 19 2018, 10:36 AM

For those who are interested, eunittrust Malaysia is now offering permanent service charge of 1.5%

Your only option:
1) amanah saham fixed priced fund. Almost risk free.

All amanah saham fixed price fund have quota. You can only buy when someone sell.

Apa cap? Cap is based on how fat is your bank account. Some people have 6-7 figures inside
Anyway this is all OT, best to cont discussion at https://forum.lowyat.net/topic/4183284

This post has been edited by Ramjade: Jul 25 2018, 11:28 PM

ASNB is fixed price. So regardless of market movement the NAV stays the same.

During open season, like few months back easily tembak RM10-20k per transaction can get of course if kering season, then kering.

Many people forget that unit trust is still a basket of stocks. In a sell down due to general fear, unit trust won't be spared.

People who jumps because fund price dropping.

Is a robo advisor which invest in ETF. If compared with FSM managed portfolio, I will say it's way way better. Why?
1) lower fees
i) (ETF vs UT)
ii) lower management fees vs FSM managed portfolio feed.
2) Better risk returns vs FSM managed portfolio
3) Is robo (using algothirm) vs human factor