I see. I check at around 6pm it is still stuck at 9 july. I tot it got discontinued o something. Haha. Silly me. Thanks ya

This post has been edited by hs_clover: Jul 14 2020, 08:43 PM

Im new to FSM and interested in in the TA global technology fund as i trust the company that the fund is going for. Looking at the various fee, other than the sales charges, the total recurring annual fee are shown under annual expense ratio? Which in this case the total annual fee that i should care about is 1.87% only? Is the annual expense ratio the final figure or need to add up other fee as well?

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 12:48 PM

just numbers fun....

if having had any of these funds for a year.....
if in the next 10 yrs if these funds are having 0% ROI,
still can get about 5% pa IRR....


Attached thumbnail(s)

WOW,...look at that MALAYSIA fund

heheh U assuming 0, not -ve next 10 years XD
U & i have seen -ves before so..

received this from PMO....asking
Are you a speculator or an investor?

well, i think i am a mutant/hybrid species at times.



Attached thumbnail(s)

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 12:49 PM

no rules say investor cannot make a quick buck, time the market and cannot take higher risk

they only massage the narrative to suit their sales pitch.

This post has been edited by WhitE LighteR: Jul 16 2020, 11:04 AM

finally china seems like losing the steam

It get me worried as I just top up early July.

so nice lo, the Kenanga Growth Opportunities, United Malaysian & PMB Shariah Growth Fund all hold huge chunk in local glove counter.

This post has been edited by encikbuta: Jul 16 2020, 12:33 PM

Which fund?

If it dip big, top again, preferably bigger chunk. This is what I will do.

i noticed that these 2 funds had most of their up trends gains % made before the Covid19, thus that huge chuck in local glove counter "may" not be the only factor.
(started from July 2019)

This post has been edited by MUM: Jul 16 2020, 12:56 PM


Attached thumbnail(s)

Can someone help me to understand the EPF investment through FSM platform.
There is a note in EPF website that the investment sum will be locked for 3 months after purchase. I am wondering if we buy and sell the funds let's say within one month, will the whole amount still be locked by EPF or we can repurchase anytime after selling? Thanks Gurus

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 12:49 PM

After you have redeemed the investment, that fund will not be made available to you for reinvestment until the next cycle which is refreshed every 3 months. The way epf-mis counts it is from the first day you made investment. E.g;

1st july: buy rhb big cap ( first investment)
16th july; buy principal greater china

And you decide to redeem rhb big cap on 17th july, you will not be able to reinvest that fund again until 1st of july + 3 months.

For clarity, if you decide to redeem principal greater china on 20th august for example, you will be also be unablento reinvest that amount back until 1st july + 3 months

How to avoid this? Switch the fund instead of reedeming it. My strategy is switching back and forth from equity to bond taking advantage of the 0% sales charge and 0% switching fee( only for principal and kenanga), RHB still has rm25 fee.

Another thing is, please also understand the math involved in the calculation to determine the amount allowed to be invested. If let say you are elligible for 70k on this cycle and invested all of it in the beginning before deciding to redeem 30k out of the investment. That whole 30k will not be elligible directly in the next cycle, for example only 30% of that 30) can be invested directly in the next cycle.

This post has been edited by backspace66: Jul 16 2020, 03:13 PM

Thank you for the reply and suggestion. It really helps a lot to those who are new to EPF investment.

Over RM90mil lost to investment scams so far this year, says Bukit Aman

“There are also cases where the URL links are valid investments but the syndicates will take advantage of their victims by not funnelling their investments to their intended destinations, ” he said.

https://www.thestar.com.my/news/nation/2020...says-bukit-aman

Macam gg.