High chance u get it after CNY.. your pack vacation at Post office..

most likely stuck at Post Office..
after CNY only reach your address

Happy CNY all.

Happy CNY everyone..

Takes forever to load the sign up page at FSM.

anyone know why it takes forever for a page to finished loading in FSM?
I mean as long as the icon in my browser is still spinning (loading) I cannot access the drop down menu. I want to access the fund watch page as I need to remove some notifications. But I can't because it just won't finish loading! Any link to the fund watch page?

its always happen lol

Happy CNY everyone 🙏

Fi to eq
.What that mean

So DCA.. got job I think I need to top up later after Chinese new yearA

I think this person is anticipating a crash is coming. A short pullback means the bull is still intact.

FI > bond funds
EQ > equity funds

Fi to eq is : Switching from Fixed Income Fund to Equity Fund.

For a sizable portfolio, let say more than RM500K portfolio, DCA/ monthly top up of RM5K is only less than 1% of the total portfolio.
Therefore, switching from FI to Equity is more efficient if wanna buying in dips.

For illustrration:

Let say u have a portfolio of RM500K and allocation of 30% in FI (RM150K) .
During every market correction of 5%, switching 20% of your FI (RM 30K) to equity fund, is almost same as buying RM 30K/ top up 6% of your total portfolio .
If u "DCA" "DCA" "DCA" only, you only can topup 5K per month (unless u r a money printer lah), and it is less than 1% of ur portfolio.

That is the reason always allocate a portion of your portfolio in Fixed Income Fund is important.

Hi all - I've tried using FSM to purchase funds using EPF AC but was rejected twice due to unclear thumb print. Is there a way to execute this at EPF office so I don't get rejected again?

Switching will have extra sale charges even in same fundhouse?how to defined the fix income and the equity fund?thank you quite new in ut

My port full of the equity fund.... don’t have any bond.... got rhb iasian income fund and the affin Hwang select income fund only ..other is eastspring dynasty ta Asian dividen affin hwang global balanced fund and ponzi 2.0

Depends. Some yes. Best to check with customer service before doing a switch

To avoid getting charge
1) learn credit ninja trick (EQ A > bond fund A > bond fund B < EQ B) where A and B represent different fund house.
2) open a wrap account where you can switch for free but at a cost of annual platform fee of about 1% which brings us to no 3) invest directly in FSM SG and you can switch around for free but pay only 0.4%p.a platform fee
4) invest using POEMS SG and avoid all service charge + platform fee + switching free (it's basically free to buy, hold and switch - all fee is 0%)

Fix income means those with the name bond fund while equity fund dies not have any "bond fund" name.
Majority of bond funds only give you board FD rates or worse. There are some which give you double digits but best avoided as if you want double digit, you go for equities. A bond fund is not for chasing returns. It's to stabile the portfolio.

Thank you sir I have learn more bout the fix income fund and the eq fund.. so the main purpose of fix income fund is to balance the risk of our portfolio if any market ccracks is it? Thank you to reply me for so detail on last reply thank and happy new year

Same fate with u. I had been rejected once due to unclear thumbprint. Staff in CIMB and FSM had checked the docs, thought no problem on the thumbprint, but been rejected by EPF...
Not that easy to get out EPF money nowadays.

edit : So, if u go to EPF office and make ur thumbprint there, also not guarantee it wont be rejected. Because the staff that get ur thumbprint and the person to approve ur withdrawal may not be the same person.

U missed out the easiest way:
5) eUT : Intra Switching is free of sales charges. Inter switching during promotion (>5K 0% sale charge promotion) is also free.

About the sales charge when buying UT,
If u know the actual meaning of "Intra Switching in eUT is free of sales charges", then u can buy most of the equity fund available in euT at 0% sales charge all the time.
I won;t like to be too exposed. Think urself.


In FSM, switching from lower tier to higher tier is subjected to sales charge. But, for switching in same fund house, you can waived the sales charge with credit.
The golden rules to gather and accumulate the credit is:
- never sell/switch ur equity fund to ur bank account/ CMF/ other Fund House directly, always switch it to bond fund in the same fund house for credit first.

cheers and happy CNY.

This post has been edited by i1899: Feb 17 2018, 03:32 AM

Thanks. So it remains a trial and error until one day EPF accepts it? This back and forth is a waste of precious time (& opportunity costs)!

That mean is using the trick switch from the same fund house like .. ta ASEAN fund to ta bond to gain credit later using the credit gain to waive the sale charge when we wish to switch to other fund house is it