but, rental always tied with a contract, tak boleh increase suka suka.. at least not as fast as the rising interest rate.

Depends lo. Some reits have built in contract which increase rental according to interest rate.

So the decrease in AHSB is purely a function of the stronger dollar? I have 42% of my portfolio in AHSB as ballast/bond. I thought it would smoothen the ride.

When interest rate are rising, bonds will be the most affected as their payout coupon is fixed compare to Reits.

so 600 pages and more and still no new thread version? happy chinese new year guys.

1st day of work...

i remember i saw this before CNY

When other equity funds drop 5-6% AHSB drop less than 1%

Consider smoother or not?

Is the Cash Management Fund a good place to park money while making decision on which fund to buy? Or is there a better place?

That's what we do with our emergency funds, close to fd rates..
And super stable

depends on how long do you need make the decision and how much is the amount of money.....(higher amount in the a/c got more sales discount)

You can consider amanah saham fixed fund as parking place. Follow the thread, and buy when everyone says there's a lot of unit on sale. All online. No need to go see nasty banker face. Play the game as how some people do - treat the ASNB products as high saving interest account.

But to sell, still need to see nasty banker face.

This post has been edited by Ramjade: Feb 21 2018, 12:49 PM

Total newbie in unit trust, but have a friend who dumped a bunch of money into UT many years ago and it did pretty well for him. He's buying Affin Hwang Select Asia Pacific (ex Japan) REITs and Infrastructure Fund

I skimmed through the thread, and it seems the people here recommend this fund?
Manulife Investment Asia-Pacific REIT Fund

Must I buy it through fundsupermart? Or can I buy it through maybank2u? They're charging only 3% sales charge it seems, compared to fundsupermart's 1.75% sales charge + Annual Management Charge (idk what is this) 1.75%, and it's a lot more convenient since I don't need to sign up/submit any documents, just a few clicks on my maybank2u account

But ASNB.. no daily return kan

In a bull marker, everyone is making money.

If you want to save cost and don't want to let maybank earn that extra commission then yes. Remember, by using FSM, that's extra 1.25% that get invested vs using maybank. 1.25% over long term builds up significantly. For every dollar save, that's additional dollar gain for investment.

Signing up for FSM is so convenient as everything is online.

This post has been edited by MUM: Feb 21 2018, 01:59 PM


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But what about Annual Management Charge 1.75% that fundsupermart charges?

Does Maybank charge that too, just that they don't mention it on their m2u unit trust page?

Annual Management Charge is charged by fund house; not FSM.

sales charges....which you can see and feel... are charged by the seller/intermediaries....
the annual charges and many other charges ..... are charged by the fund houses....these charges are pro rated charged and incurred in the daily NAVs calculation....which you does not see or feel....the published NAV prices are net of these 'unseen" charges

Ok. Opened my fsm account, waiting for activation.

I'll just dump RM10k into Manulife Investment Asia-Pacific REIT and forget about it until 5-10 years later.

What is the procedure like when you want to cash out? Click some buttons on your fsm account to offer selling off your units, and wait for someone else to buy them?