U bought at low point.

across your total rsp

For me at least you can easily change your RSP amount anytime, but it will only take effect from the following month.

for 1
some had mentioned,...buy non MYR funds,.....like USD or SGD,....in the long run can protect the buying power. For MYR will depreciate in longer term

for 2
if over 60, can try deposit into EPF, else try SSPN
on this AmanahRaya Syariah Trust Fund,...it is still in FSM recommended fund 21/22

If i think the markets are volatile n are ripe for correction soon, I would exit the markets to protect my assets.
Reenter once the storms are over,.
No buying Spdr or vdo etfs or global Titan funds... Before the storms cometh

Your post seems to be implying that through UT wont get US alien tax? Thats not true. Is it?

Just wait and buy VOO rather than paying sales charges to UT instead 

some had mentioned their self DIY UT portfolio does not performs better than FSM Managed portfolio
some had mentioned their self DIY UT portfolio does performed better than FSM Managed portfolio.

thus i guess it depends on the funds one holds, it % of allocations in each funds and depends where the markets moves during the comparison between own DIY with FSM Managed portfolio

btw the 0% subscription fees mean no (sales charges) From 25/9 to 15/10 ?
Subscription Fee
0.00% for Conservative portfolio
0.25% for Moderately Conservative portfolio
0.50% for Balanced portfolio
0.75% for Moderately Aggressive portfolio
1.00% for Aggressive portfolio

i think many here has AUM to qualified for lower Sales charges if they DIY

i prefer their offer me 0% management fee  rather than this 0% subscription fee. 

i aim for long term....

do we need to key in any promo code before checkout page to enjoy the 0% subscription fee?

u can try play2 around in FSM ma.....
but i think not need key in any promo code to get the 0% subscription fee ( i oledi try  )

## but i receive an email (special for participant only) and ask me to key in the code during the check out to get the promo (so i not sure what promo i will get )...........if kasi permanent 0% management fee sure i go with it 

any body receive this email oso ? 

i got the same email too, then i go browse around fsm site n app, cannot find place to insert the promo code.

During checkout oso no? Means when u gonna pay money that time.
### I try with apps, can't find the column to insert it. Later I try with computer 😁

Not cheaper for US. FSM min is about 8.8 USD I think

strictly talking about local SC-approved platforms, FSMOne seems to be the best option (disclaimer - I haven't started myself yet because i'm waiting on Rakuten Trade, more on that later).

MIDF Invest is a close competition (USD8 for <USD 1,000/trade) but the rating on Google Play Store suggests that the interface is quite buggy.

Very far in 3rd place are the bank-related platforms like HLebroking & Maybank which has a USD25 min trading fee

Rakuten Trade is introducing US trading on their platform really soon so i'd wait for (hopefully) a more competitive fee structure from them before settling down on FSM.