oops. I didn't know that, probably because my investment is too ikan bilis I didn't bother to read the platform fee structure. For RM1000 at 0.05% it is RM0.50 per quarter. Let's take into consideration of the appreciation in value, so one year you might be paying RM3 for platform fee (no basis assumption). 2% sales charge of RM1000 is already RM20, which is about 4-5 years worth of platform fee. Correct me if my scenario here is not making sense.

Okay sure..gonna do more research before finalizing the %. BTW in fact I am working in SG now, do you think I should go for FSM SG instead of stick with FSM MY since the funds offered are different.

See reasons above. Btw I think if we want to discuss SG UT, let's head to FSM SG thread.

FSM SG 0.1%/quarter platform fees
POEMS SG 0% SC, 0% platform fees, 0% switching fees

Why should I pay FSM MY if the funds they offer are not as good as their SG counterpart? Also 2% SC vs 0% SC is a lot of differences. Doesn't make sense to me.

Your choice. If you buy funds from FSM SG, you wil get less support as the FSM SG thread is almost dead. No activity unlike FSM MY thread. However if you want to cheaper option over long term, go with POEMS SG. Do your own research. I started from here. Learn more or less everything I know from this thread, took the SG govt exam for UT investor and passed it.   

Once you get the basic, it's more or less the same thing. The only person active over in FSM SG thread will most likely be me, AIYH and dasecret unless more of you guys joint us over there (Avengelice, xuzen, puchongite, T231H, etc)  

I am still coming back to FSM MY thread for info  (remember it's universal)

For me, buy from POEMS SG, use info from FSM SG.

Here's FSM SG thread: https://forum.lowyat.net/topic/3757612

I would, but how would you mitigate forex risk?

God KWSP does not answer to puny mortals!

Xuzen

Long time no look around FSM website...

In their current Recommended Portolios...totally don't have RHB Asian Total Return and RHB Emerging Markets Bond

I have put RHB EMB under my spotlight since Q4Yr2016. I have been observing it for sometime, but never participated in it. I will now, I am planning to do DCA on it, MYR 2.5K every fortnight until I hit an allocation of MYR50K. Will be trimming profit from my India and US exposure and putting them in RHB EMB.

*** Recall my pony express strategy***

With regards to RHB ATR, I will forgo this in lieu of RHB AIF.
That is why I seldom comment on the noobs portfolio. It is not wise to say anything because we totally do not know their background, their needs, their risk profile and their circumstances. A noob could be a 60 y/o recent retiree or a 23 y/o just graduated kid taking his / her first paycheque. The diversity is just too great.
I left KGF completely in Qtr1Yr2016. Algozen™ prompted me to exit KGF then. Have not gone back to it since.

Xuzen

I think I'll just pick recommended fund by fundsupermart and let the fund manager do their job.

It could be guessing it could not. Why? In the long run (UT) will always go up IF you choose the right one. How to choose the right one?
(i) Track record - this is just a guide and not a promise it will repeat itself
(ii) Check returns of the fund vs peers, benchmark.
(iii) Check the sharpe ratio
(iv) Others
Did you know that not all FSM recommended funds are good   Some of LYN forum personal selection is better   

Ponzi 2.0 and Great China potentially have 1% SC promo soon?

That's an idea that never occurred to me......
But now that you mentioned it, it sounds so obvious......

Lol, negative return =/= bad fund, need to understand why negative return, compare with its peers, you might just bought at a higher price previously, stay cam

Is not 3 years, so just hold/inject more money. Ask yourself why is it negative. A small negative isn't anything. Try -15% see whether you still have the heart or not   

You should experience a -15% return and then your heart will be brave for anything. 

Btw, I been there and done that. But really cursing buy and then in one month it drop to -15% like that and stay there for quite a while.   

my rhb AIF brought me 4. 37%. so yeah it's all about timing bro

When did you buy ?

Last month bought only and you already asking if you should still keep. You wanna kena sound by us is it?

I have just done a quick check and I found that there should not be negative return after a one month period. I suspect the red you are experiencing is due to the one off sales charge factor.

Silly "kan-cheong" noobs!

Xuzen

Most people (new people) have never experienced that before

Aren't you happy? Aren't you glad that you get a immediate response to the root of your concern? A maggi mee®, cepat dimasak, sedap dimakan answer™?

Xuzen

contestgeek =/= contestchris ??
just wondering....

look up. check mate

Means you won't be able to buy anymore. But you can sell.
It will close once it reach RM400m. Now it's only RM300m. SO if you want to buy, you better faster buy