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

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SUSxander83
post Jul 27 2021, 07:56 PM

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QUOTE(xcxa23 @ Jul 27 2021, 03:59 PM)
I believe once US earning season is over there will be correction happening.
Probably within August
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Won’t be that soon until Jackson Hole is over

Correction will likely happen mid Sept when falls season starting coinciding with newer COVID20 infectious strain so tread carefully rclxms.gif

QUOTE(adele123 @ Jul 27 2021, 04:02 PM)
I have bought into china fund today. Via the affin ETF though.

Time to buy buy buy for me. Who has not much china exposure.
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Silly to buy falling knife now as more crackdowns are happening coming next month doh.gif
SUSxander83
post Jul 28 2021, 01:19 AM

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QUOTE(adele123 @ Jul 27 2021, 09:21 PM)
Do you know if bursa gonna go up or down tomorrow?
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I can tell for sure it is going down

With CCP crackdown this time it is only the start because more larger cracking gonna come will hurt the China market more because of the policy shift into their anniversary

So don’t bother touching it unless you love a falling knife rclxms.gif
SUSxander83
post Jul 29 2021, 09:47 PM

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QUOTE(WhitE LighteR @ Jul 28 2021, 05:43 PM)
KLSE +0.05% today btw.
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Barely even one point gain coupled with another 2 points drop rclxms.gif
SUSxander83
post Aug 1 2021, 09:35 PM

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QUOTE(missfarren @ Aug 1 2021, 04:39 PM)
i am a newbie
can recommend what to buy? got 15-20k rm
*** how to choose stocks??
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Split 4 or 5 ways

Equities depending risk preferences
Bonds
REITs
PRS
Gold

Most balance if you scared losing money
SUSxander83
post Aug 6 2021, 03:39 AM

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QUOTE(Drian @ Aug 6 2021, 12:35 AM)
user posted image

Anyone familiar with these ETFs ?
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I have BATS but current price not favourable and a bit high wait for pullback around 18.23 then you can start buying

Currently Vietnam is still doing well minus vaccination drive which still on going so you need to be patient before knowing when to enter
SUSxander83
post Aug 9 2021, 03:24 AM

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QUOTE(jj_jz @ Aug 8 2021, 04:19 PM)
idk much about this company, i will leave it to other sifu that know better.
but i guess there was a catalyst happened after covid, then after that spike all the way up to highest now.
too fast too high, kinda scary, unless their QR proven to be good.
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One of China major semiconductor supplier locally for SMIC

So long there is still Semi trade Wars this company will grow alongside with Haier Smart Home division and Sunny Optical
SUSxander83
post Aug 13 2021, 03:29 PM

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QUOTE(lowkelvin @ Aug 13 2021, 03:15 PM)
Not sure when I keep hitting this error on FSm today  rclxub.gif  rclxub.gif

user posted image
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Looks DNS error on that particular connection

Switch connection or use app to see whether it works or not
SUSxander83
post Aug 15 2021, 05:27 PM

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QUOTE(Fledgeling @ Aug 15 2021, 03:16 PM)
Hello sifus

I have been researching and learning about ETF for weeks. Almost ready to invest tomorrow for the first time and wanted to share my thought process so that I can get advice if there is anything I missed or am mistaken.
I believe that China specifically (and not Hong Kong) still has potential to grow in the next 2-3 years

I want to invest in EFT for China because of lower expense ratio and lower sales charge than Unit Trust (which was my go-to previously)

I used to EFT filter to search for China EFT with lowest expense ratio.

I pick a 'familiar' name like Franklin Templeton vs an 'unfamiliar' name for me like Value Partners Asset Management Malaysia - just my personal preference
Any feedback/input for me to consider?
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Pure China ETF you can go ahead with Bursa VPA China ETF

Otherwise there are Tradeplus New China Tracker or Principal China 50

But if you were to buying pure China ETF there is a lot in HKSE trading for you to pick


SUSxander83
post Aug 16 2021, 01:59 AM

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QUOTE(Fledgeling @ Aug 15 2021, 07:43 PM)
Hi Yklooi,
If it's a pure ETF, wouldn't it be the same returns regardless? That's why I picked lowest expense ratio
Can you help me understand?
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I believe you should be looking instead for tracking returns vs errors vs expense ratio

Low expense ratio doesn’t mean performance but instead look for more active ETFs with sound liquidity instead
SUSxander83
post Aug 22 2021, 02:41 AM

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QUOTE(Merubin @ Aug 21 2021, 04:13 PM)
too deep d bro...cannot understand.

i understand that all fund ll have incurred annual management fee,
but for this managed portfolio, i saw there is a quarterly fee of 0.5%, what i m refering is whether i need to pay twice the fee, one to FSM and the other one to the fund purchase by them
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Management fee is fixed no matter how you and where you buy from

The only difference is sales charge and platform fee which is charge by FSM itself

You got to remember one is fixed fee and another is avoidable or discounted fee if there promotion by FSM
SUSxander83
post Aug 23 2021, 05:12 PM

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QUOTE(Fledgeling @ Aug 23 2021, 04:47 PM)
I entered China ETF for the first time: CHINAETF-MYR
Learning as I go.
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Good luck on buying on a falling knife doh.gif
SUSxander83
post Aug 24 2021, 04:25 AM

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QUOTE(ericlaiys @ Aug 23 2021, 07:39 PM)
now very cheap
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Another round it will see below 6 anytime soon

QUOTE(Kpjh @ Aug 23 2021, 09:02 PM)
Am also beginning with the vp dj shariah china A etf.
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Another falling knife again but lesser impact will see anytime go below 1.80 within the year
SUSxander83
post Sep 1 2021, 07:46 PM

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QUOTE(daidragon12 @ Sep 1 2021, 03:46 PM)
Is it a good time tp enter Malaysian equities now? Foreigns seem to be entering again.
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Only solid cyclical business for long term as you notice that’s Vanguards are holdings otherwise don’t bother buying speculative
SUSxander83
post Sep 4 2021, 04:18 AM

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QUOTE(onthefly @ Sep 4 2021, 03:32 AM)
https://www.fsmone.com.my/funds/tools/facts...fund=MYAMCHSHMY

How come expense ratio(0.2%) is lower than annual management fees(1.8%) for AmChina A-Shares ?
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0.2% is expense ratio charged by the underlying fund while 1.8% is charged by AmInvest as management fee
SUSxander83
post Sep 4 2021, 09:30 PM

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QUOTE(onthefly @ Sep 4 2021, 04:28 PM)
I am confused now. i thought expense ration INCLUDING management fees + lain lain?
So now total fees is 2% or 0.2 ? confused.gif
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2% in total with 0.2% fees goes to Allianz being paid by you from AmInvest on behalf while another 1.8% goes to fund manager which is AmInvest

At the end of day look Returns to fee ratio for better as fees are unavoidable you can just minimised it

For good example some funds are high in fees due to management mandate to cover the costs when running a fund

A good fund should have at least 5x ratio in order to justify as a good fund so if it’s giving 10 or more % just keep the funds until it is not performing
SUSxander83
post Sep 5 2021, 10:39 PM

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QUOTE(debonairs91 @ Sep 5 2021, 07:03 PM)
Sold my managed portfolio on 30/8. Now only got email saying settlement date is on 10/9. Takes so long
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Holiday weekend coupled with end of the month so there will be delay for sure

Plus any UT will have 3 to 5 days to liquidate/redemption which is normal because of the amount of calculation

So your holdings was actually sold within the timeline at 3 sept while you should be received your money at10 sept which within a week
SUSxander83
post Sep 12 2021, 01:36 AM

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QUOTE(sl3ge @ Sep 11 2021, 01:25 PM)
Hi guys,

May i know why seems more people using fsm, compare to philip mutual which seldom people discuss there?

philip mutual often got 0%, where as fsm need 2% service charge?

Thanks
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2% is so that FSM can make money and stay in business doh.gif

QUOTE(wongmunkeong @ Sep 11 2021, 02:13 PM)
for me, i prefer FSM over eMutual Funds from Philip mutuals, even if FSM charges me 0.5% - 1.5% one-off bcoz:
1. website usability & usefulness
2. customer service & response
3. shares & world ETFs available too - all in one, ease. now if only they allow foreign stocks too heheh then maybe bye bye HLiB / HLeB.

that's just personal preferences - i dont like painful websites & phone apps  biggrin.gif
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You can trade NYSE, BATS and HKSE stocks and ETFs through FSM for already a month ago doh.gif

QUOTE(Red_rustyjelly @ Sep 11 2021, 06:31 PM)
at the beginner level, I was looking at forums, social media groups, friends.

At a later stage, I start to realize News like recently China imposing game regulations that will be the biggest threat for Tencent group.
Or previously China scrutinize Alibaba Jack ma, but that was long ago. All this news is the key point to determine when is the best time to buy for me.

If I want to buy Malaysian small cap, i will look at the direction of Malaysian situation. Like when they will re-open parliament. or when is the MCO relaxation, which means business come back.

I am also constantly looking at health funds, like United Global Healthcare Fund, because the world now in Pandemic, health sector will boost.

I can be wrong. I am still learning.
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You better off buying ETFs like XLY for healthcare where it will consists of weightage of healthcare companies against Healthcare index from JnJ to Hillrom

Another one if you are intonations genomics ARKG ETFs but’s however it is a risky one they are buying into future of companies doing healthcare innovation and breakthroughs
SUSxander83
post Sep 16 2021, 04:30 PM

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QUOTE(KingArthurVI @ Sep 16 2021, 04:05 PM)
Yeah sorry I meant after the correction I'll enter, but what's the most efficient manner of getting exposed to US index funds? Is it via unit trust or directly buying ETFs? Idk if the nonresident alien tax 30% is a big factor that would be a con for buying directly?
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30% only dividends taxation for US residents only

For FSM once you declare W8BEN it will be exempted for it and you will receive the money nice solds minus the necessary fees and charges

Just wait and buy VOO rather than paying sales charges to UT instead doh.gif
SUSxander83
post Sep 17 2021, 01:16 AM

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QUOTE(KingArthurVI @ Sep 16 2021, 06:33 PM)
Haha ok bro thanks for this, was the response I was trying to get between buying direct vs. going through UT. UT expense ratio also seems way higher than something like VOO. tongue.gif
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Of course buying through UT expense ratio because you need to cover manager fees

Still nice you already know just buy direct lump sum on VOO and add on every now then

Just do comparison of initial charges of buying vs UT and you can see the difference because UT are deferred charges while buying direct is add on charges
SUSxander83
post Sep 19 2021, 09:35 PM

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QUOTE(WhitE LighteR @ Sep 19 2021, 02:07 PM)
No direct interference yet so far.
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Wait tomorrow mid day for big surprise

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