You made your point my dear, now go preach somewhere else.

Actually, I did a compounding interest calculation assuming regular additions, the 1.5-1.75% sales charge doesn't really impact returns in the long run (I used 30 years as a holding period, as I assume most of us here are long term investors). If I remember correctly, it reduced CAGR by <0.05% (since sales charge is charged upfront and not compounded like mngment fee which is already accounted for in annual returns).

If you wanna use eunittrust, go ahead. But eventually, the sales charge will be increased as they gain more clients (I assume), and thus doesn't matter much in the long run la...

Good luck investing!

ps. probably not a good idea to insult FSM in front of FSM clients as I'm sure a lot of people will get triggered

I really don't see this as an insult honestly

It's good to have discussion like this. Malaysia is unique in where we don't have easy access to good ETF that have both low fees and also we can mix n match ourselves. Closes is those robo advisory that we have no control over.

UT seems to be the only available choice locally. And given enough pressure, I hope eventually they too will lower down their fees to a level comparable to ETF. Fingers cross.

UT is pretty much taking a 10k feet view on things to invest. Not everyone has the knowledge to invest in stocks. And I always believe it's very important to have a good understanding of the thing we chose to invest in.

Yep, hopefully eunittrust as a competitor will also encourage FSM to be more efficient and further lower their sales charge to be more competitive... Competition will always benefit us the consumers

Yes. I am appreciative of the level of data they allow us to get from the system. If they offer actual support to access their data for us to analyze even better. For that I am willing to pay their sales fee definitely. Getting proper data is hard and factsheets and some simple graphs on screen won't do honestly.

Thanks. 0.5% is good, just wish they extend it beyond end July as right now the good stocks/UTs are expensive

Got this from FSM SG
how the markets performed since 1 year ago....


Attached thumbnail(s)

well well, looks like eunittrust may have been reading this forum. they revamped their website!

it's incredibly similar to FSM but not complaining. my interest has been piqued.

do you know if they got tier sales charges like fsm?
i cant seems to find at their site
i know their fee start at 1.5%

if its cheaper than fsm, might just jump over there

This post has been edited by xcxa23: Jul 3 2020, 11:07 AM

any credit points system over there as well?

Does eunittrust have RSP tho? 🤔🤔

while waiting for responses you can try post there....hopefully you can bet faster and more responses...
eUT / POEMs / Phillip Mutual Berhad UT discussion, Coz' Fundsupermart not cheapo enuf'!
https://forum.lowyat.net/topic/4268975
or this
Regular Savings
An investor may invest in unit trusts funds by making regular (e.g. monthly or quarterly) investments to their fund.
This may be a more disciplined approach to invest in unit trust funds. By making equal and regular contributions over a period of time, this may reduce the impact of market volatility.
This is commonly known as dollar cost averaging.
https://www.eunittrust.com.my/Home/Introduction

Anybody can suggest the theme of investing in July? Global, technology, ex-japan? Thinking of adding some the funds during promo period 😁

maybe can try read this article published just last week 25 June 2020 by Affinhwang....
As we approach the midyear mark in 2020, what is the outlook for markets for the rest of the year?
In the following interview Teng Chee Wai, Managing Director of Affin Hwang AM shares his views on the current investment landscape and investing in the new normal.
https://affinhwangam.com/insights/articles-...-the-new-normal

If someone is doing DCA and has been topping up consistently on a fixed day in the week (for weekly) or particular date (in a month) - would it still be considered DCA if they defer the topping up on a day which is 'super good' for the market as it is akin to timing.. but here the defer is just a day or 2 when there is profit taking or a dip.. and then top up then.

i guess in the long run - it doesnt really matter but wonder what do you guys practice?

Thanks..the content warned us to stay prudent mostly. Especially in aviation and banking 😌

DCA should be automated and does not require any manual intervention from the user.

But hey if you are free to do that just go ahead.

ONG mali lah....
Eastspring Investments : Chinese stocks jumped after policymakers said they were planning to sell more special treasury bonds to fund public health-related infrastructure facilities and further support the economy.

Eastspring Investments | Published on Jul 3, 2020

https://www.fundsupermart.com.my/fsmone/art...economy-3-July-

for fsm, im doing ''timing'' the market.
for robo advisor, every friday/thursday

i am still staying invested in this 2, but i have turn cautious. Too much optimisim in the market. I will take a slightly contrarion stance and add a little bit more defensive fund. I am at 57% equity, 26% defensive, 17% cash now

This post has been edited by WhitE LighteR: Jul 3 2020, 09:09 PM