thanks a bunch for the replies/info guys.

help me to understand below further please :
sales charge - when we sell a UT, sales charge incurs, for FSM it's around 1.75% (pay to fund or FSM?)
fund management charge - it's like interest for FSM to help use keep/manage the fund? (again pay to?)

I just finished the switch processes of my Ta global Tech to United Global Quality EQ, for more diversification purpose and also for below reason.

[attachmentid=9540263]

Ta global tech is lagging behind its mother fund more than 20% in 1 year time, because Ta Global tech only invest 70% into its mother fund, and keep 30% of ur money as liquid asset, which is against to it asset allocation in Product Highlight Sheet :

"minimum of 95% of the fund’s Net Asset Value (NAV) will be invested in the Henderson Horizon Fund – Global Technology Fund (“the Target Fund”), with the balance in liquid assets."


[attachmentid=9540297]

It is not acceptable for me. Like information on the packaging is different like things inside.

BTW peeps don't be too sad...

You'll be receiving a huge ang-pow from Jib Gor this coming Sunday.

Jib Gor = Choy Sun Yeh = God of prosperity.

Stay tuned.

What is the definition of wind up?  Fund closed to new purchase or fund cease to exists? It's part of the managed portfolio. Wonder how would FSM react to it

then planning to move Aberdeen to where NEXT then?

I have a general question regarding unit trust funds.

In the event of a market crash, can the fund manager sell off everything and hold cash? Or because they have to follow a mandate, for example '...invest minimum 95% in a certain market/sector', so they die die have to hold even though they know it is better to sell off before it gets worse? Will they? Any incentive for them to act in the investor's interest? It is not their money at stake anyway.

Subsequently, what will happen if they do so? In Malaysia for example, market is small, and many stocks' substantial shareholders are institutions, most of them are these unit trust funds. When they do massive selling, will they cause panic in market and lead to further sell down? Did this ever happened?

my port tooks 2 months to goes to -7% as of 28/3 Navs from its peak on 30/1....
just hope that you guys are not as bad as mine....

Imediately after Trump......2016 till early 2018...the mkts had been glad that trump helms.....
What happened to his magic?

  ...YES,..."He cares about and for the US market, and it is doing very well so far".....this I agreed 100% with what you mentioned

...but for this "After all, he is the US president not worldwide president".....i kind of also agree because he cannot control how CHINA manages its economy....
thus should we blame CHINA and not US for our portfolio tanking now if we are heavy in Asia pac?

the chart is self explainatory.

Who is blaming? are they blaming? 
yes, the question is a million dollar question....

i assume another magic word that are frequently used by most and also frequently ignored by most is in that article is
"....Diversify your investments as a portfolio constructed of different kinds of assets will most likely yield higher long-term returns and lowers risk than of any individual holding."

diversify to what /where/ at what %?
diversify by ignoring M'sia completely?

So that they can say, I've told you so

Actually don't understand why fund houses don't want to package popular ETFs like SPY, VOO into unit trust fund with perhaps slightly higher cost compared to direct ETF purchase as these ETFs are still not widely available to most public users? I guess there's a market for this in under developed financial markets like Malaysia

I for one would go for this if your purchase amount is not large enough month for DCA