the only cost that might incurred to investor who didn't top up is from the platform fees. And it was withdrew from amincome plus on 20/2/2018. Well, the only way for them to prove is by showing us their average cost per unit for each fund they used for the factsheet..

The only way to know the truth if by forcing them to provide further details and explanation. If they refused or u r unsatisfied
, complaining to SIDREC is the last option.

Well, it is their responsibility to provide a correct and accurate calculation for their product. As FSM Is a licensed unit trust providing platform. And when you are unsatisfied with the service and explanation , you can always lodged a dispute with sidrec. They will come in and look into the matter. This grievance mechanism is stated in every single of their emails.. Anyway, just my two cents..

hang seng down by 3%... what a bloody day
msci Asia pac down by 2%



This post has been edited by Cactus89: Mar 23 2018, 09:40 AM

Soothing word from the fund provider to lure in more investors.. haha
It is depend on what is ur type of ball.. if steel ball don't give a damn, buy on dip. If plastic ball cut loss and hide.

it is back to square early February level. Newly entered investor like me will facing the pinch. those who entered years ago, the drop won't have big effect on their portfolio.. Anyway buy within ur ability. if u think market is bad and losing money.. Just hold and wait for it to recover lor. if u have gather enough profit and think market is bad. then take profit first and renter later lor.. if want to go gungho unlimited bullet then pump like crazy. haha

semiconductor and tech stock not doing well in bursa. IDS holding mainly in those stocks

look back again after 1 month. market facing high volatility due to fear of trade war

no bullet. then dun c lor.. xD.. As long as u dun cut there is no paper lost what.. Seems like it is downtrend now, bull at its very late stage now.. The real discount coming soon..

u seems to pumping whenever there is a drop.. xD
Today plunge in Asian stocks erases all the gain on Monday and pushes it lower I believe. if u think the top up on Monday no having enough discount then add today before 3pm

The article is pure speculation. They need to give soothing word to have ppl continue buying.. xD.. Hold on tight, ride through the wave. Aim for longer terms.. Stock performs better for short term investment.

I started august 2017. DCA monthly..Now the whole port is red. It's normal. We enter at a time where the volatility is low and near peak.. Hold on. and aim for longer term.. Q2 will be better.. pray hard

CMF is a unit trust invested In FD. Do u think FD will lose money? But it is no protected by PIDM.NAV following a straight linear line. previously when I invested the monthly return is 0.27-0.30%. But the OpR WAS 3.0. now it is higher. And the return stated in FSm 3.44 if an annualized return .U might not be getting the same return every month Anyway, no risk no gain. 3.44 per annual. u can't even cover the yearly inflation

This post has been edited by Cactus89: Apr 3 2018, 11:44 AM

Again?? LoL..
Another 10% dropped then entering recession.. xD

wow....kgf dropped 2.4% today.....

China and HK market is closed today. Bargain chaser might want to pump in today. If there is no negative news coming out today.
Greater china region will follow the market trend today to retrace the lost with big gain on Friday . just my 2 cents.. XD

Stop looking at it.. Those are unrealised lost. And this will last awhile. Or u can consider join Managed Port, get a peace of mind but lesser return due to platform fees. Anyway Once the trade war is sorted out. i believe the market will soar to a newer high.

Nobody know. Maybe after u switch oumarket spike to a new record high.. Or it might plunge to 20% after u switch out.
The main point is diversify ur portfolio. Dont put all the eggs in UTs. Eg: when ur UT is taking hit, ur other money in EPF , FD or Asnb is covering ur back with their guaranteed returns. Hence u won't be hit tat bad or just minimal lost as a whole of ur portfolio

https://www.bloomberg.com/news/articles/201...10%2C7648079796

This is the global allocation suggested by Morgan Stanley:*.Equal weight - emerging markets and Japan*.Underweight - Asia Pacific excluding Japan (South Korea, Indonesia and Australia)*.Defensive overweight - Association of Southeast Asian Nations (ASEAN)*.Trimmed overweight positions - China, Brazil*.Trimmed underweight positions - Australia, South Korea*.Upgraded South Africa to overweight from equal weight*.Downgraded New Zealand to equal weight

my managed port is holding 14 funds now.. pokemon catch'em all...
But the roi is not really good.