based on what is ur job lo,
if goverment servant, may b 3 months
if makan gaji punya orang n very stable, may b 6 months
if tauke/ many ppl depend on u , may b 1 year

no right or wrong, as long as u feel ok

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This post has been edited by GrumpyNooby: Jan 7 2021, 12:51 PM

Last time yes I save 6 month in emergency fund
But due to low interest in FD, I bring it down to 1 month, all in UT now

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This post has been edited by GrumpyNooby: Jan 7 2021, 12:51 PM

UT is still relatively high risk for me. For me most of my funds are still in the safe haven aka ASNB. Rest of it are either invested in UT or stock market.

well the money market funds easily 3.5% per annum.
I would do that but sometimes i feel insecure seeing no $$ in my bank account. lol

I calculated, and compare the return of FD vs decision I make to take out FD and put in UT
The result is the return of UT for 1 yr is equivalent to return of FD for 5 yr.
So it mean that if I still keep my money in FD, I need 5 yr only can get the same return

This post has been edited by MNet: Jul 20 2020, 10:48 PM

Hi sifu,
Any good FI fund recommended?

try FSM recent recommendations?
https://www.fundsupermart.com.my/fsmone/res...commended-funds

Just created an account, any guide for a newbie on the good indicators to select a fund that is suitable for one self?

i tried to just click2 on the available funds but that is just too much choice for me. Generally my aim will be medium period.

just "a" ..... then for a start, try this

Keep Your Risks In Check
Different investments come with different levels of risks and investors need to understand and know the risks that they can stomach given the circumstances that they are in before making a decision on what to invest.
FSM explain how Fundsupermart.com Risk Rating can help investors to identify which unit trusts suit their risk appetite.
https://www.fundsupermart.com.my/fsmone/art...eck-8-May-2015-

I like funds that can give good return with a reasonable amount of consistency.

"If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle."

This post has been edited by WhitE LighteR: Jul 20 2020, 11:30 PM

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This post has been edited by GrumpyNooby: Jan 7 2021, 12:51 PM

Try pages 1107, # post 22125
Got ppl sort out for u.
Can consider. 😁

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This post has been edited by GrumpyNooby: Jan 7 2021, 12:51 PM

Yeah am curious as well..

based on Trading Economics, the past 5 years FD rate averaged 3%.
5 years would amount to 16%
say you bought Affin Hwang Select Asia (Ex Japan) Opportunity Fund - MYR,
over the past 1 year you could have made 16.97% gain. Of course this is just an example.

As I was looking at this Affin Hwang fund, compared to the Principal Asia Pacific Dynamic Income fund, it looks like Affin Hwang outperformed Principal.
Should I dump the Principal one and move to Affin Hwang? Both of them heavy on China/HK, Principal got about ~31% China/HK vs Affin Hwang ~60%, AH got US exposure.
Principal - consumer/real estate/IT (~43%) fund size 3.06bil
Affin Hwang - IT/consumer/financial (~80%) fund size 647.5mil
Any sifu shed some light between these two funds? Both are in FSM recommended fund Core portfolio Asia ex-Japan.



This post has been edited by 2387581: Jul 21 2020, 01:46 PM

Hindsight is 20/20. But no one can guarantee this trend will continue. I will recommend looking over 5year period though, to grade the past performance.

But definitely, affin hwang should not be ignored.

This post has been edited by adele123: Jul 21 2020, 01:56 PM

Just done all shopping 0.5% sales charge. wait for the best.

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This post has been edited by GrumpyNooby: Jan 7 2021, 12:51 PM