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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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Ramjade
post Aug 8 2018, 06:00 PM

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QUOTE(ganaesan @ Aug 8 2018, 05:30 PM)
If I’m not mistaken, seems like FSM Singapore and Hong Kong’s managed portfolio performing way better than FSM Malaysia, tho they are same company.

Past few weeks more and more start to grumble on their managed portfolio’s performance. Including my cousin too, holding balanced port from day 1 FSM introduce it with some promotion, so far return just 3.5% something...

Perhaps Malaysia’s team not really doing great job as compared to their peers..

Agree with you on stashaway.. jus tht I’m curious whether Malaysia’s Stashaway team capable to performe as their Singapore team... coz in FSM, they can’t..

Wats your say Ramjade? Maybe others hv different view
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FSM SG fees is cheaper than Malaysia also. Not sure. Have to email them and ask are they using same algorithm as their SG counterpart.

Ramjade
post Aug 14 2018, 06:31 PM

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QUOTE(woolala @ Aug 14 2018, 12:33 AM)
Hi, does anyone have experience with using FSM managed portfolio? I’m swarmed work everyday and don’t really have time monitor it. Appreciate some views on this. Thanks.
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Avoid managed port. I myself also never used any managed port even though I have access to cheaper fees than what FSM is offereling.
Ramjade
post Aug 29 2018, 09:11 AM

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QUOTE(yageosamsung @ Aug 29 2018, 08:57 AM)
Thank you for your reply...
I'm still new to UT, joined since Oct 2017. Have a lesson learn recently that I should diverse my allocation to different variances of geographical and specialist sectors....

I have 3 questions:
1. For other people, is now the best time to add % for Asia Pacific and China funds? Since most of them are in lower NAV now
2. Normally for this type of SC discount (let it be 0.57% or 0.8%), is it wise to top up in a lumpsum? or continue DCA? But I don't think it is good to wait only for the SC discount to top up... 0.57% - 1.5% = 0.93%... might get much for timing the market??
3. Is it recommended if  I just put min. investment qty (1000) on each US, tech, India at this moment?

TQ
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1. Yes good time. But for me,I won't add. Let thrump impose further tarriff and let China debts biggrin.gif biggrin.gif

2. Never wait for discount from FSM or eUT. Those discount are just bonus.

3. Up to you. For me, I will avoid US as is all time high.
Ramjade
post Sep 5 2018, 08:55 AM

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QUOTE(Cht51 @ Sep 5 2018, 08:35 AM)
What is FSM? How much the ROi? Could u explain more? Thanks!
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QUOTE(plc255 @ Sep 5 2018, 08:40 AM)
Was it referring to Fund Supermart (iFAST Capital Sdn Bhd) that originated from SG?
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FSM here meant FSM MY unless stated otherwise. Is a platform for you to buy UT at 1.75% service charge compare to 5% charges at banks. Think of FSM as TESCO. Is just a place for you to buy UT cheaply vs banks. You are the one selecting what you want to put into your trolley.
Ramjade
post Sep 7 2018, 08:47 AM

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QUOTE(voyage23 @ Sep 7 2018, 08:07 AM)
Contrary to most people here, I just topped up into Manulife Dragon Fund and Ponzi 2.0 PRS. If I don't buy when it is at historical low then it's no longer "buy low sell high". But it's worth noting that I am only at my late 20's so I won't be using this money for a long long time. (House, wedding, car - settled)
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I am also planning to topup Ponzi 2.0 PRS
Now still not right time. But getting real close brows.gif
Ramjade
post Sep 12 2018, 09:50 AM

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QUOTE(watabakiu @ Sep 12 2018, 08:10 AM)
Say the yearly return is 5.5%, and the management fee is 10.5%. So the actual return would be 5.5%-0.5%=4%.

Correct? Suddenly this % is making me confuse!
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Management fees won't be so high.
See ChessRook reply.

QUOTE(ChessRook @ Sep 12 2018, 09:35 AM)
I always thought the yearly returns is already net of management fee. So 5.5% is what you see and is what you get.
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That's right
Ramjade
post Sep 12 2018, 10:16 PM

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QUOTE(David83 @ Sep 12 2018, 10:11 PM)
Asian Stocks Are Caught in the Longest Sell-off in 16 Years

URL: https://www.bloomberg.com/news/articles/201...nd=premium-asia
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Asian stocks still too high. Sings *let it fall, let fall* rclxms.gif rclxms.gif drool.gif drool.gif
Ramjade
post Sep 13 2018, 12:14 AM

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QUOTE(kenny79 @ Sep 13 2018, 12:03 AM)
u do think asia market was high .. in my option it over low already .... if u dare to sweep the stock .. its a good timing while alibaba tencent was in new low in 52 week
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Still have much to fall. But hands getting itchy but need to control. It's still far from beginning of 2017 which deem it expensive.

This post has been edited by Ramjade: Sep 13 2018, 12:19 AM
Ramjade
post Sep 13 2018, 12:22 AM

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QUOTE(kenny79 @ Sep 13 2018, 12:19 AM)
then u may wait SLOW SLOW UNTIL it raise up and WAIT SLOW SLOW IT go down again
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If it can reach early 2017 price, I will deemed it to be cheap. And yes I want it to reach that level.

This post has been edited by Ramjade: Sep 13 2018, 12:23 AM
Ramjade
post Sep 13 2018, 12:28 AM

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QUOTE(kenny79 @ Sep 13 2018, 12:24 AM)
Please read here.. the Albans stock and baidu get raise back up.. u may just wait long and slowly
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Talk only and why would Trump back down from a war? Trump is winning the war. In Trump I trust to drive the price lower.
Ramjade
post Sep 13 2018, 07:28 AM

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QUOTE(yklooi @ Sep 13 2018, 06:26 AM)
if you have been following his posts....he had been waiting for the past >2 years already.... biggrin.gif
since his "school days" to his working life.

and just few days ago, he mentioned that he is waiting for CIMB Asia Pac PRS to drop another -10% from current price from now till Dec...
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Timing have help me tremendously. I am sticking with what works.
You may laugh all you want but due to my timing, I am still in double digit Green even with latest market sentiment.
So yeah, timing for me. .

This post has been edited by Ramjade: Sep 13 2018, 07:33 AM
Ramjade
post Sep 13 2018, 08:17 AM

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QUOTE(MUM @ Sep 13 2018, 07:51 AM)
for most people, the longer their time in investment, their fund's ROI will be also double digit Green, ......
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Not if you buy at the peak. When you buy at the peak and should it fall by 10-20%, that's wasted time trying to claw back the losses just to break even. You don't want to break even. If break even, better just keep cash.
Ramjade
post Sep 13 2018, 08:34 AM

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QUOTE(MUM @ Sep 13 2018, 08:24 AM)
most older people remembers the China mkt crash in 2007.....
if bought this fund during launching just months before peak & crash......till now still "Double digit" returns  biggrin.gif

that is just 1 markets...if keep a diversified port.......huat lah.... thumbup.gif

keep cash??... :confused:
at 32% ROI in 10 yrs....wanna keep cash better?
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Actually I bought somewhere last year when everything was at it's low. Didn't buy anymore after that. Miss out the 2008 crash. Won't miss the next one for the world.
Ramjade
post Sep 13 2018, 09:13 AM

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QUOTE(MUM @ Sep 13 2018, 08:47 AM)
the most recent lowest of most regions was in the period somewhere in Jan~July 2016...
last year 2017 was already up
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True. Like I said I miss out on all that. Last year when equities was up, I didn't give chase because is useless. Unit trust still holds stocks so unit trust can't escape when market tanks as proven recently.
Ramjade
post Sep 13 2018, 09:52 AM

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QUOTE(MUM @ Sep 13 2018, 09:47 AM)
doh.gif didn't chase yet you still have double digit green, even when market tanks as proven recently ...  thumbup.gif
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My PRS still double digit. Only the govt free money is (-)
Ramjade
post Sep 13 2018, 09:59 AM

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QUOTE(MUM @ Sep 13 2018, 09:55 AM)
hmm.gif why you can have double digit green, when you mentioned..... "I didn't give chase because is useless. Unit trust still holds stocks so unit trust can't escape when market tanks as proven recently"
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Because I bought my PRS when price was down which was during early 2017. After that didn't topup anymore as price keep shooting up. My buying price was 0.92xx
Ramjade
post Sep 13 2018, 01:39 PM

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QUOTE(Ancient-XinG- @ Sep 13 2018, 01:34 PM)
very very sad.....

why just don't down 20% like that for once...

it's keep up down up down. we can't even see the trend.

the news also keep up down up down. now that USA invite CN for a talk. wtf....

later withdraw become real loss. don't withdraw also don't know what wayang they plot.
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Trump businessman what. Threatened tariff war. Price goes down. Short it. Make profit. Buy up stocks at low price. Leak news said got talk. Market rally, sell. Make profit.
Then cancel everything, price drop. Short and profit some more.
Genius.
Ramjade
post Sep 21 2018, 03:50 PM

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QUOTE(WhitE LighteR @ Sep 21 2018, 03:33 PM)
War is bad.
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War is good as it's a big reset button. It let one buy things at cheaper price.
Ramjade
post Sep 21 2018, 08:43 PM

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QUOTE(Ancient-XinG- @ Sep 21 2018, 08:22 PM)
港币飙升。

HKD flu high.

something is brewing?

or

sunshine state
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HK going to increase interest rate.
Ramjade
post Sep 22 2018, 03:57 PM

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QUOTE(yklooi @ Sep 22 2018, 08:24 AM)
thumbup.gif thanks for the news......i did not know about it until I read yr post

thus just a reminder to those holding Reits funds...
there may be a knee jerk reactions when it is implemented....

Manu has abt 26.8% in HK
Selina has abt 10.5%

doh.gif i am having 15% in Manu. sweat.gif
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I waiting for it. Wait until neck long already. There are some worthy reits to get but not at current price.

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