Hi guys!

Interested to invest in UT.

Probably go for higher risk one as my plan is to put 30% in FSM and 70% in fd

i wan start my account soon. maybe start with just a small amount of money.

Is this 3 ok?
trying to diversify in different market segment
1)cimb asia pacific dynamic income fund
2) cimb greater china
3) eastspring investment global emerging market

Thx for the information.
Yea currently have some amount of money saved up in fd.
just started working 2 years.
am holding some small amount of shares too.

Now venturing into UT.
not sure is the correct time or not.

Im not a high risk investor nor am i a play safe investor (all fd).
i prefer medium risks

That message is so 2000s! 

Wow it said 30 Oct. Way longer than T+4. KUTNETF and CIMGRCH

Interpac Dana Safi and Dynamic. 

algozen said so....

I was actually looking at the FSM valuation report, compared it to its recent run....
at >10% port....balls sweaty.... moved to less volatile Reits for temp parking

btw,....do have a look at Nikko Am Div Eq.....nice performance + FSM valuation for Spore is extremely enticing

Investing.com?

Hi, I am new member to Lowyat.net. Just open my FSM account few weeks ago and done some research on unit trust... (still new to unit trust thingy...)

I have some questions to ask sifu here,

Below are unit trusts I am planning to get into, risk profiling questionnaire showing I am "moderate aggressive ":

1. Affin Hwang Select Bond Fund 10%
2. RHB Asian Income Fund 10%
3. CIMB Principal Global Titan Fund 22.5%
4. CIMB Principal Asia Pacific Dynamic Income Fund 22.5%
5. Kenanga Growth Fund 10%
6. TA Global Technology Fund 10%
7. Affin Hwang Select Asia (ex Japan) Quantum Fund 15%

My plan is to distribute about 20% in Fixed Income and Balanced Fund and the remaining in Equity Funds.

Any suggestions or comments?

Problem is , what is the competition?

I don't see FSM offering any other Global Tech based funds.

I am still fresh on this investment.

Still studying this tread...... but so sorry i just cant wait to ask:

1. Manage portfolio = auto pilot mode?
2. Is it a good idea for a newbie to put the $ in manage portfolio? Since no idea where to put $ into which fund.
3. Whats the different between UT & Fund?
4. A fund is worth to invest or not, is it can only forecast based on the history? or may be just like share market, says when out of sudden CEO resign, then the fund value will drop alot? (dont feel it is just like gambling or luck?)

The video presenter suggested two alternatives to UTF for growing wealth:

1) Set up your own business.  Duh! Then that would not be classified as passive income. That would be active income.

2) Buy ETF. If ETF is available and accessible easily like across the causeway, sudah lama gua cabut beli ETF loh! When I say accessible, it include easy availability of essential comparison tools such as Std-Dev, ROI, corr-coeff, easy switching bla bla bla. Not what we have here in Malaysia, that is, the ETFs are all stand alone units.

Hence, these presenter are typically blurting out info that they hear, read or seen elsewhere in a foreign context without taking into the local context. So typical of
"know little bit, act like a pro" mentality.

Xuzen

I don't think UT is the way to go to get rich though, to sustain your wealth then yes. I think most of us use UT as a retirement tool. To get rich now it will be faster if you invest or trade in stocks...

Warning! Old man ranting ahead...
I blame nowadays the internet for perpetuating a lie that everyone can or must be rich. Or that everyone should do business or some sort of entrepreneur endeavour. What the internet conveniently left out is that rich people is like a pyramid, only a few are rich and the majority are poor with the middle group simply being middle income people.

If you are not rich, I mean, so be it... it is not a crime nor a death knell. Unlike what Jack Ma said, you do not have to be rich to live comfortably. I am certainly rich compared to the majority below me demographically and I am certainly poor compared to the few very rich above me in the pyramid scheme of things.

Am I an entrepreneur? Am I a business man? No, I am neither. I am just a salary man who build wealth the old fashion way... that is I spend less than what I earn and invest the rest. Can I be a business man? I doubt so. Can I be an entrepreneur? No way. Do I need to buy the BMW or live in a large mansion to be happy? No. Be contented and be happy.

To me, UTF is a good tool for regular Joe like me to accumulate wealth in a safe and easily accessible way in a sense I do not need to come out with a large capital outlay. I can invest in sum that I am comfortable with. I can certainly stop at anytime I want without penalty. And I can liquidate the fund at anytime I want. What sort of investment tool can you think off that can offer such freedom or flexibility?

Xuzen

Come I pour cold water
- ETF

you invested both FSM SG & ETF?

Correction. I don't use FSM SG. I use POEMS SG. ETF future. Not now.
Of course. You can apply everything online without the need to have a SG bank account or step into SG. If you are willing to pay 0.1% platform fees per QUARTER to FSM SG. I am not. Hence I went for POEMS SG (their competitor with 0% service charge, 0% platform fees,  0% switching fee).

Note FSM SG managed portfolio is way cheaper than Malaysia as it only cost you 0.5%/year when you compare to FSM MY managed portfolio.