The one you saw in FSM is some kind of etf on HK. If I am not wrong.
Csop offer higher returns than FSM.
You may not get your money back as fast as auto sweep.

You lock your money up. Mmf you get FD rates without locking your money up.

Good funds available on FSM not available in Versa
1. TA global tech
2. Manulife India fund

I only use FSM to buy 2 funds for my PRS and EPF.
Principal retire easy 50 (PRS)
KAF core income.

FSM also have chart centre to check performance of funds.

You can check it out here, use the funds I mentioned above to compare with what Versa have to offer.
https://www.fsmone.com.my/funds/tools/chart-centre

You will find that what is available on Fsm is superior to what is available to Versa.

What I am looking for may not be suitable for you and what you are looking for may not be suitable for me.

This post has been edited by Ramjade: May 15 2024, 02:31 PM

Sure. As long as emperor xi is there, nope. Force to do national service and what nonsense common prosperity.

I was a holder of Principal PRS Plus Asia Pacific Ex Japan Equity for years. Besides principal retire easy 50 also hold this fund. Rather reduce my holdings in Principal PRS Plus Asia Pacific Ex Japan Equity than 100% in it.

If no emperor xi, maybe no issue.

Principal retire easy 2050. I won't reduce cause I am not going to get penalised 8% for no reasons.

It's good fund. But you see what happen during emperor xi last year. It's not the first time and won't be last time. Property developer issue isn't solved. People still no job. Think emperor xi won't do some more "common prosperity" or "national service"?

This post has been edited by Ramjade: May 23 2024, 06:43 PM

Cause US interest rate. The higher the interest rate, the bond price must come down. O my if you hold to maturity you get back 100% of your principal.

Also you need to see if US offer 5%p.a your Malaysian govt only give you 3%p.a, I as investor of course will park my money with US govt.

If interest rate remain higher for longer, then you will see more and more people switch money to US side.

That is one part.
Second part is now that trump wins, it's risk on. Less regulations. That's why you see stuff like bitcoin all shoot up.

Highest doesn't mean have the best returns. You can see over 6 months, 1 year return.

I don't know. I just buy the retire50.

Please avoid fsm sg at all cost. They have quarterly platform fees for all unit trust. In the long term, you will be paying them lots of money. Use POEMS SG. No quarterly platform fees.

No fees for unit trust. Unless they changed it. This is platform fees. You can email them and see.

Of course no la😅

If you got access to QQQ, buy that instead

Still lousy. Don't bother with it. Use interactive broker. It's only useful for buying prs and EPF UT. That's what I am using it for only.

I won't use it for anything else other than for PRS and EPF UT.

Thet are not Interactive broker level yet.

This post has been edited by Ramjade: Dec 16 2024, 09:50 AM

Don't bother. Stick with interactive broker. They are not interactive broker level of cheapness.

This post has been edited by Ramjade: Dec 16 2024, 10:02 AM

Don't bother. You get better rates with Tiger or Moomoo sg. Don't bother with Moomoo MY.

Just use IBKR. Don't give FSM the chance to charge you additional fees.

No yearly statement. Just monthly statement. But you cannot use FSM statement in case LHDN audited you. Personal experience. You need the funds house statement which FSM don't give you.

That's not how ETF work. ETFs are for long term. Come back after 5-10 years. You need to understand that the underlying stuff are still stocks. So when stocks fall of cause ETF will also fall. Cannot escape.

If you think ETF will always be green, then you got the wrong investing mindset. That's only for EPF and amanah sham fixed price fund.

Fsm is expensive Vs using IBKR

This post has been edited by Ramjade: May 22 2025, 02:32 PM