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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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Drian
post Jun 8 2017, 01:58 PM

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QUOTE(T231H @ Jun 8 2017, 11:01 AM)
yes, kgf did issue distribution and unit split before.

hmm.gif btw,
what is your understanding of NAV.
could you please explain and elaborate more?

why do you say "They have very good return but the NAV doesn't grow much"?
what does this implies?
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He's probably still in the stock market mindset.

Drian
post Jun 8 2017, 03:57 PM

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QUOTE(killdavid @ Jun 8 2017, 03:21 PM)
On the prospect of Ringgit ..
"The currency could reach 4.1 to the dollar in the second half, said Lee Kok Kwan, who is also a director at lender CIMB Group Holdings Bhd. The fair value of the ringgit should be between 3.8 and 4.0, when benchmarked against regional and commodity currencies, said Lee, who accurately predicted in January that the currency will rebound from a 19-year low."

Ringgit is on a appreciating trend, so funds that are affected by forex could see less profit in the coming months. And ramjade keep saying ringgit no hope tongue.gif
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If oil price improve ringgit will be better.

Drian
post Jun 13 2017, 11:03 AM

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QUOTE(LazyKurosaki @ Jun 13 2017, 11:00 AM)
I dont know why is it so hard to convince people to go into unit trust to earn more money
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Because they had bad experience with it in the past, especially on Public Mutual and the fees.

Drian
post Jun 13 2017, 04:26 PM

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QUOTE(LazyKurosaki @ Jun 13 2017, 11:18 AM)
Hw high is public mutual charging ?
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If i'm not mistaken 5.5% .


Drian
post Jun 13 2017, 05:09 PM

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QUOTE(LazyKurosaki @ Jun 13 2017, 04:52 PM)
Wtf so high?
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Yes go through public mutual agent, that's probably the figure that you're going to get.

Drian
post Jun 15 2017, 02:45 PM

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QUOTE(xuzen @ Jun 15 2017, 02:38 PM)
Hari ini dalam sejarah:

For those who have just jumped on the Unit Trust Fund bandwagon and think that Public Mutual charging 5.5% sales charge is expensive, many years ago, before the existence of fin-tech startup like FSM or Phillips or Areca, 5.5% is considered cheap. OSK (now called RHB Asset management) used to charge up to 6.5% for their Equity Trust Fund.

Xuzen
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Yup I used to think it was a rip-off then.


Drian
post Jun 15 2017, 03:55 PM

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QUOTE(mois @ Jun 15 2017, 03:31 PM)
Later agent eat what?  icon_idea.gif Public Mutual without their agents, cannot grow until their current fund size.

But got to admit there are still alot of aunty uncles who dont even know what is Fundsupermart. Tell them FSM, later they ask you "another JJPTR ah?". Another thing is that, those aunty uncles investment amount easily outweigh young ones. They got nice Pub Mut buildings covering major cities, so there is 'trust' feel.
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But their business model would have a problem there on the long run. Once the awareness is built among the younger ones, they would have a problem competing with them.

I live through a period where hypermarket displaced supermarket/local sundry shop in the early 2000, Online stock trading displaced re-miser, digital camera displacing traditional film camera and those camera shop processing film, TV advertising moving to you-tube advertising(although I find it annoying) , not to mention online shopping vs traditional shopping and currently uber/grab replacing traditional taxi. Even astro is slowly losing to IPTV providers. You can really see the trend here.



Drian
post Jun 15 2017, 06:47 PM

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QUOTE(ehwee @ Jun 15 2017, 05:30 PM)
just some examples

PUBLIC GROWTH FUND YTD 12%
PUBLIC TACTICAL ALLOCATION FUND YTD 11.5%
PUBLIC FAR-EAST ALPHA-30 FUND YTD 13.5%

don't shot me sifus, I am not PM consultant, just a small investor at both PM and FSM, what I meant was if didn't consider their high SC, PM actually have some good return funds, why don't they offer 2 systems, one in DIY like FSM that has around 2% SC or lower, the other one remain their current SC 5.5% for people don't trust online platform and prefer face to face consultant service?

may be like what 2387581 said, PM don't care about small fish as long as they can hold their bigger customers
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Public growrh fund invests in malaysia equities , which means kgf is its peer. Kgf is now 17% ytd so you can see it's not the best in the industry

Drian
post Jun 16 2017, 10:40 AM

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QUOTE(puchongite @ Jun 16 2017, 10:18 AM)
The dips seem to span over multiple days but it was probably the heaviest during the day with unit split.

Taking out the unit split factor ( which accounts for 20% dip), it dipped 1.8% on that very day. So the fund manager could be guilty of trying to mask off the dip with a unit split. LOL.

p/s: the FSM graph is able to illustrate the actual dips ( as it is compensated with unit split ).
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Haha you know I always think that dividend splits are fund managers "lifelines" to cover up dips.
Drian
post Jun 19 2017, 11:52 AM

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QUOTE(cloudre01 @ Jun 19 2017, 11:50 AM)
Hi I'm quite new here, I have a newbie question. There are so many funds out there, how do you guys go about screening/picking the fund to include into the portfolio? (i.e. there can be so many combinations)

Just a little overwhelmed with the amount info that I'm not too sure what to focus on when constructing my own.
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Follow xuzen or use FSM portfolio management fund.



Drian
post Jun 30 2017, 12:29 PM

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QUOTE(n3utronic @ Jun 29 2017, 08:45 PM)
But at some point lower price NAV gives better growth opportunity (price increase) compared to already soaring high price? Any Sifus can shed some light ?
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No it doesn't. NAV or net asset value is not supply or demand driven.
Fund houses can manipulate fund prices easily.

For eg, if Fund A want to reduce it's NAV from 1.00 to 0.10, all they have to do is declare dividend of 1000% and walla you get 10X more units and the NAV is reduced to by 10X.


Drian
post Jun 30 2017, 12:49 PM

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QUOTE(2387581 @ Jun 30 2017, 12:43 PM)
I think many people think that the lower the NAV, you get more units per RM invested. Hence when the NAV increases, the gains is more.
But if the fund with high NAV is doing well, with less units per same amount of RM invested, your return in RM terms should still be the same.
If a fund with low NAV is doing similarly well, with more units per same amount of RM invested, your return in RM terms should be the same, since there are more units to divide the same gains.
Am I right?  confused.gif
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Yes.

It's like

Units X price.

10units X 1 = 10
100units X 0.1 = 10

It's the same thing. I know most agents will try to mislead customers by saying that the fund declared 10% dividend but truth is it is meaningless.




Drian
post Jul 4 2017, 12:46 PM

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QUOTE(MUM @ Jul 3 2017, 09:05 PM)
hmm.gif sure kah?

Why Women May Be Better Investors than Men
In this article, we explain some reasons why women are savvier than they think when it comes to investing, and we have some numbers to prove it!
https://www.fundsupermart.com.my/main/resea...s-than-Men-5696

Infographic: Women vs. Men
Why Women May Be Better Investors Than Men
https://www.fundsupermart.com.my/main/resea...en-vs.-Men-5855

3 Investment Gurus Women Investors Should Turn To
It's time to bust the myth that only men make successful investors.
https://secure.fundsupermart.com/main/resea...?articleNo=3471
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Notice the word "may be" and not "are". In another words, they cant prove that the characteristics that women have is suitable for risk investing.

To me the best judge is statistics and results. Statistics and results don't lie.

This post has been edited by Drian: Jul 4 2017, 12:50 PM
Drian
post Jul 4 2017, 12:49 PM

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QUOTE(xuzen @ Jul 4 2017, 12:42 PM)
Good sister,

On the contrary, a lot of our beloved Unit Trust Fund are managed by female fund managers. We are not gender bias, we are gender blind. All we care are her figures  wub.gif

Xuzen
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36D 24 36 ok? tongue.gif
Drian
post Jul 4 2017, 12:53 PM

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QUOTE(HahaCat @ Jul 3 2017, 08:38 PM)
Haha, I roughly introduced myself, by stating gender, age, range of investment amount and investment region for 1H 2017. Nothing more than a sentence. And did so because this is my first time ever posting. It was not meant to give too much info or hurt anyone. But it kicked up a storm and invited negative comments.

My intention is to ask a very legitimate question. But it seems like there isn't an answer here. My advise for all is to look at things positively. I started investing in property when I graduated, and later added in Unit Trust. I am aggressive and has applied bank loans (creatively) to help me in getting more capital. I am still growing the little portfolio I have. I don't think it is necessary for me to prove anything to forum members of my legitimacy. If we only think of something as impossible, then let it be forever impossible for us.

I try my best to find ways to do better, to do more, to squeeze out that little bit extra and to build my investment. But really, I am sure the more seasoned FSM investor here understand why I ask about Mr. Chen Fan Fai.

Occasionally you can see me in some FSM events by invitation, last I went is Affin Hwang's talk in Bangsar Le Midi,probably one of the youngest attendees. Hehe. Thanks Eugene Lye for the invitation and if you're reading, keep it coming wink.gif
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Err you're not suppose to tell how much you're investing in public forums.

Drian
post Jul 6 2017, 10:18 AM

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QUOTE(fun_feng @ Jul 6 2017, 10:06 AM)
Hi all,
Do you think the security for FSM is a little lax when selling fund and transferring to bank accounts? Why isn't there any TAC for confirmation.
I think most ppl here have ten or hundreds of thousands in the account, but from the way i see it, everything can be done if your password is compromised
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I guess the risk is low because any funds that people sell has to go back to your own account which defeats the purpose of hacking
Drian
post Jul 6 2017, 10:21 AM

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Guys, any other recommended funds in the list(0.8%) other than the "All star" funds that has always been recommended here .






Drian
post Jul 6 2017, 04:08 PM

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QUOTE(T231H @ Jul 6 2017, 11:17 AM)
hmm.gif funds with 0.8%SC in the recommended fund list other than the "All star" funds that has always been recommended here .?......
try islamic funds and some of those in the recommended fund list but under supplementary portfolio segment like.....
Asia Ex-Japan Equity - Islamic
Malaysia Equity - Islamic
Singapore - Single Country Equity
Global Resources - Sector Equity

these are some of the funds that are seldom mentioned here....
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Global Resources - Sector Equity
The fund looks quite beaten down.
Anyone thinks that oil can make a comeback should buy this.

Drian
post Jul 10 2017, 09:13 AM

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QUOTE(skynode @ Jul 9 2017, 11:45 AM)
This just struck my mind.

I wonder what age groups are the current FSM investors in this forum? Can we create a poll like this?
A. 21-30yo (the Gen Z)
B. 31-40yo (the Gen Y)
C. 41-50yo
D. 51-60yo

If you are a 11-20yo millennial and already saving up and investing, Kudos to you.
It's just interesting to know what age groups do the people like Xuzen, Ramjade and Avangelice belong to. So that you can compare this to yourself at your current age and get a grasp at  whether you are ahead or behind your peers.
Much like comparing the performance of a UTF to another of the same market segment.

What do you all think?
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i don't think 35-40 years old are considered gen y

but ya group B, previously all my investment in company ESPP. Now that I've cashed out due to low rm , high USD... transfered to FSM instead. Made gains in both forex and capital appreciation.

This post has been edited by Drian: Jul 10 2017, 09:15 AM
Drian
post Jul 10 2017, 10:09 PM

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QUOTE(thesnake @ Jul 10 2017, 07:36 PM)
im in a high paying industry..thats all i can say wink.gif
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OnG or investment banking . But if you are in investment banking you would not be asking those questions so my guess is OnG. Haha.

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