No bullet a, if got sure buy. Only can buy like this.
Ikan bilis aje 😝😝😝

Thanks, take some times to digest it..... May b next year baru can try..... But haven't know what is the minimum start amount needed. Seen like UT more suit my style 😁😁😁

And also for CPF funds. Maybe to Msian EPF,PRS don't mean much but to us Sporean it meant A LOT Reason being at age 55 we cannot withdraw all so we need to make sure we let our CPF make the most profits as much as possible with the least fees in this case for FSM Spore it is 0% platform fees.

This is why for Sporean investing we treat the difference very big. CPF investment and cash investment. This big difference is also reflected in the funds that are for sale. Fund ABC only cash. Same fund ABC (CPF) purely for CPF. The fund house actually understand the needs and purposely create two separate but actually same fund to lure more investors. The CPF version has lower expense ratio in order to fulfill the requirement in order for it to take investor CPF monies.

Maybe this is Msia forum so many investors don't see the diff but back in Spore forum this CPF vs cash investment is hot debate! A lot of times got new investment instruments we Sporean will ask can use CPF or not as first question.

Been using fsmone RSP for US ETF for a year, weekly contributions with the free process fees promotion last time.

Gonna change to RSP monthly with the process fees.

Anyone also doing RSP with fsmone?

I just opened IBKR account few months ago. So far what I found for RSP US ETF is 
IBKR = MYR > SGD > USD then invest, compare to FSMOne = MYR > USD then buy.

Seem like FSMone is easier, and the foreign exchange rate for USD are same as what I can google.

Both charges 1USD for each RSP, same commission.

I guess both of them are similar for RSP US ETF?
Except IBKR can buy/sell US share easily and cheaper.

Do I miss anything?

I also thought IBKR is bit complicated for me, having a unofficial bypass solution to use IBKR is a troublesome for me, just wonder why IBKR don't apply necessary permit or license from BN, or what are the reasons why BN doesn't recognize IBKR?

How is your ETF RSP experience with FSM btw, are you earning now? can share with us, thanks.

I'm happy with FSM and i feel that the fee is reasonable compared with UT (not IBKR).
I have no bad experience with FSM customer service nor ETF RSP.

Only thing to take note is probably there's a fix schedule monthly to sell partial unit (unit less than 1). and make sure you have sufficient fund in the cash account for the RSP.
I think the 0 processing fee is only applicable to buy orders and not sell order. Not sure anyone has any info about fees when selling.

Started RSP to VOO in May 2022 with RM200 then slowly increased to RM1000/month. So far the return is about 12% (note that the market was really good since June 2023).

Btw, this is my own experience and not financial advice to invest. I'm not an expert nor certified financial planner. Just a small duck trying to save as much as possible for golden years.  
Thanks for advice. Probably I'm just lazy to go through the whole process. Now that there's FSM, I'm happy with FSM for now. Will explore IBKR in the future if FSM disappoints me. For now I don't want to deal with a foreign investment company and I feel safer with FSM since FSM is regulated in Malaysia.

when can FSM buy LSE stock 

-49.26% as of now.

If I only have bond holdings with FSM, qualify?

Anyone still hold AHAM World Series - Global Disruptive Innovation Fund - MYR?
I am in dilemma whether to switch or continue hold
Currently still at -65%
If want to switch. is KAF Core Income, a good fund to go with?

What's your strategy for EPF though? KAF Core?
Doesn't seem to have any US fund available for EPF route...

how much do u invest from epf? as much as allowable?

i see. different risk appetite i guess. over the epf thread, plenty pumping in 100k yearly to lock their money in epf.

Hi Peeps,

Just would like to get a 2nd opinion

Nearly all my UT has recovered except 1 which are still in the red (China) UT

Considering that it was a slow and painful recovery pre/post Covid, i am now considering to sell all my fund with the war impending.

Appreciate some thoughts or debate on this.

Thanks

For those that interested invest in USD
https://www.fsmone.com.my/cash/auto-sweep

u buy this on IBKR?

if i am not wrong moomoo MY has it too.

Moomoo SG CSOP need to convert MYR to SGD to USD

FSM USD sweep MYR to USD

Which one more worth?

Is FSM one US auto sweep worth using? Offering 4.523% interest. Just realize Versa interest dropped so much to 3.77% and next mth will be worse forcing users to deposit into their invest plans for more interest.

Or should.i just stick to KDI save?