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

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wongmunkeong
post Jul 30 2020, 11:04 AM

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QUOTE(no6 @ Jul 30 2020, 12:47 AM)
great way of vca ... will keep that in mind
*
psst:
https://www.amazon.com/Value-Averaging-Stra....com%3A%20Books
monkey9926
post Jul 30 2020, 11:05 AM

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QUOTE(GrumpyNooby @ Jul 30 2020, 10:53 AM)
Example for AmDyanmic Bond:

Redemption Fee: 1.00% of the NAV per unit. (Borne by Investor)

1% of the selling amount
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if like this then i buy from other fundhouse who charge 1% buying price better kan?
tadashi987
post Jul 30 2020, 04:31 PM

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QUOTE(monkey9926 @ Jul 30 2020, 11:05 AM)
if like this then i buy from other fundhouse who charge 1% buying price better kan?
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if apple to apple comparison, bond/Fixed income funds don't have sale charge on FSM platform

you can go for others bond funds which dont have both sale charge and redemption fee.

most of them has platform fee which is FMS earning thou
misaka
post Jul 30 2020, 05:52 PM

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Eastspring small cap 20% profit de sell or hold hmmm
no6
post Jul 30 2020, 06:07 PM

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any idea is our fund made available in the cash account if we were to fpx after 3pm ?
WhitE LighteR
post Jul 30 2020, 08:00 PM

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QUOTE(no6 @ Jul 30 2020, 06:07 PM)
any idea is our fund made available in the cash account if we were to fpx after 3pm ?
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No.
Fledgeling
post Jul 30 2020, 09:04 PM

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FSM promotion of 0.5% sales charge is until 31 July (tomorrow) but it's a public holiday for Hari Raya Haji.
So, if I buy the fund tonight or tomorrow, I guess I will still get the 0.5% sales charge but the transaction will be priced on Monday 3 August? Am I right? Can any sifus advice?


P/S Yes, I am last minute buyer (waiting for price to go lower, today Germany stock market dropped) so planning to go into Principal Global Titans Fund. https://www.fundsupermart.com.my/fsmone/adm...etMYCIMB010.pdf


https://money.cnn.com/data/world_markets/europe/
European markets are sharply lower today with shares in Germany off the most. The DAX is down 2.38% while London's FTSE 100 is off 1.68% and France's CAC 40 is lower by 1.24%.

This post has been edited by Fledgeling: Jul 30 2020, 09:05 PM
monkey9926
post Jul 31 2020, 08:01 AM

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QUOTE(Fledgeling @ Jul 30 2020, 09:04 PM)
FSM promotion of 0.5% sales charge is until 31 July (tomorrow) but it's a public holiday for Hari Raya Haji.
So, if I buy the fund tonight or tomorrow, I guess I will still get the 0.5% sales charge but the transaction will be priced on Monday 3 August? Am I right? Can any sifus advice?
P/S Yes, I am last minute buyer (waiting for price to go lower, today Germany stock market dropped) so planning to go into Principal Global Titans Fund. https://www.fundsupermart.com.my/fsmone/adm...etMYCIMB010.pdf
https://money.cnn.com/data/world_markets/europe/
European markets are sharply lower today with shares in Germany off the most. The DAX is down 2.38% while London's FTSE 100 is off 1.68% and France's CAC 40 is lower by 1.24%.
*
cannot be sure on the transaction date since its public holiday.

xcxa23
post Jul 31 2020, 08:25 AM

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QUOTE(Fledgeling @ Jul 30 2020, 09:04 PM)
FSM promotion of 0.5% sales charge is until 31 July (tomorrow) but it's a public holiday for Hari Raya Haji.
So, if I buy the fund tonight or tomorrow, I guess I will still get the 0.5% sales charge but the transaction will be priced on Monday 3 August? Am I right? Can any sifus advice?
P/S Yes, I am last minute buyer (waiting for price to go lower, today Germany stock market dropped) so planning to go into Principal Global Titans Fund. https://www.fundsupermart.com.my/fsmone/adm...etMYCIMB010.pdf
https://money.cnn.com/data/world_markets/europe/
European markets are sharply lower today with shares in Germany off the most. The DAX is down 2.38% while London's FTSE 100 is off 1.68% and France's CAC 40 is lower by 1.24%.
*
But top 10 Holdings, only which 2 is European, and sector allocation mainly USA and Japan, about 54% in total

May I ask, why you are looking at German/European?


WhitE LighteR
post Jul 31 2020, 10:14 AM

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QUOTE(Fledgeling @ Jul 30 2020, 09:04 PM)
FSM promotion of 0.5% sales charge is until 31 July (tomorrow) but it's a public holiday for Hari Raya Haji.
So, if I buy the fund tonight or tomorrow, I guess I will still get the 0.5% sales charge but the transaction will be priced on Monday 3 August? Am I right? Can any sifus advice?
P/S Yes, I am last minute buyer (waiting for price to go lower, today Germany stock market dropped) so planning to go into Principal Global Titans Fund. https://www.fundsupermart.com.my/fsmone/adm...etMYCIMB010.pdf
https://money.cnn.com/data/world_markets/europe/
European markets are sharply lower today with shares in Germany off the most. The DAX is down 2.38% while London's FTSE 100 is off 1.68% and France's CAC 40 is lower by 1.24%.
*
For me Euro has always disappoint me. So if possible i always try to avoid Euro zone.
xuzen
post Aug 1 2020, 12:04 PM

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Blow -water session #49

This is my 49th month of tracking my port.

Last month Algozen™ ver four M-o-M is +ve 2.00%. It was a good month.

Come come, market lets add oil! Gambatte!

Xuzen



This post has been edited by xuzen: Aug 1 2020, 12:04 PM
SUSyklooi
post Aug 1 2020, 12:34 PM

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QUOTE(xuzen @ Aug 1 2020, 12:04 PM)
Blow -water session #49

This is my 49th month of tracking my port.

Last month Algozen™ ver four M-o-M is +ve 2.00%. It was a good month.

Come come, market lets add oil! Gambatte!

Xuzen
*
hmm.gif you got just +2.00% doh.gif ....i think you are just too modest....

i got +1.87% with a port consisted with 32% in Asia Reits, 52% in FI, 15% in Asia pac.

i think you got a much more aggressive port than mine...



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WhitE LighteR
post Aug 1 2020, 12:40 PM

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Eh blow water session starts early. The 30th July NAV Monday only get.

I didnt manage to get my calculator in order yet laugh.gif Updating my calculator to reflect more accurate performance return.

Updated only until 23/7. I didn't capture any new portfolio snapshot after that date yet.

1 Jan - 31 Jan : TWR -2.31%, MWR -1.46%, ROI MoM -1.93%
1 Jan - 29 Feb : TWR -2.30%, MWR -23.61%, ROI MoM -1.49%
1 Jan - 31 Mar : TWR -12.86%, MWR -31.99%, ROI MoM -11.29%
1 Jan - 30 Apr : TWR -4.75%, MWR -11.91%, ROI MoM +12.76%
1 Jan - 31 May : TWR -0.22%, MWR 2.15%, ROI MoM +4.62%
1 Jan - 30 Jun : TWR 5.25%, MWR 5.91%, ROI MoM +5.21%
1 Jan - 23 Jul : TWR 17.78%, MWR 21.61%, ROI MoM +9.96%

This post has been edited by WhitE LighteR: Aug 2 2020, 02:54 PM
mastermindsos
post Aug 1 2020, 01:12 PM

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I am using managed portfolio.
Where do I look for the dividend payout option?
I could not find it in website/app.

QUOTE
Yes, you can change the dividend payment method for your cash investments (unit trust only) via the following ways:
a) Via View Holdings page: My Account > Investment Holdings > Under "Interest Income / Dividend Payment Method" > Click on  button and select your preferred dividend methods from the list > Click on ‘Save’ button.
b) Upon placing buy order online: Go to "Place Orders" > Select funds under "What do you wish to buy?" to purchase and you will be able to select your preferred dividend method online during the purchase.
Also which option should I choose?
I assume option 1 is the best as there is no service charge.
QUOTE
The default of dividend payment methods is pre-determined by FSMOne.
For Cash investments, there are 3 types of dividend payment methods:

1) Reinvest: The dividends will be reinvested in the form of additional units in your relevant holding.
It will reflect under your historical transactions as a purchase, hence you will see additional units in your fund holdings.
You will also receive an online statement via email with regards to the transaction.
All dividend reinvestment will not result in an increase in the cost of investment. The rationale for doing so is that dividend is not an injection of new monies by the investors as such it should not increase the cost of investment. By not reducing the cost, the weighted average cost as a result decreases with every dividend reinvestment.

2) Cash Payout: The dividend will be issued in the form of SGD denominated cheque and credit into your designated bank account, or mail to you if you do not have a local bank account, if the relevant fund's terms and conditions specify or permit the payout of dividends.

Note: For dividend amount below SGD10, USD10, EUR10, AUD10, GBP10, CHF10, NZD10, HKD50, CNH50, the dividend will be credited into method 3) below.

3) Deposit into Cash Account:
If you did not opt in to Auto-Sweep, the dividends will be deposited into your FSM Cash Account in accordance to the fund currency upon payout.
If you opted in to Auto-Sweep Account, your dividend in SGD will be automatically invested in Auto-Sweep Account ONE business day after you received it. Non-SGD dividend will still be credited into the respective Cash Account.
MUM
post Aug 1 2020, 01:19 PM

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QUOTE(mastermindsos @ Aug 1 2020, 01:12 PM)
I am using managed portfolio.
Where do I look for the dividend payout option?
I could not find it in website/app.
Also which option should I choose?
I assume option 1 is the best as there is no service charge.
*
are you referring to investment in FSM MY or FSM SG?
note: your quotes seems to refer to FSM SG

if you are refering to FSM SG, then there is a dedicated thread for it...
Fundsupermart Singapore, Let's have a separate thread
https://forum.lowyat.net/topic/3757612

This post has been edited by MUM: Aug 1 2020, 01:21 PM
mastermindsos
post Aug 1 2020, 01:20 PM

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QUOTE(MUM @ Aug 1 2020, 01:19 PM)
are you referring to investment in FSM MY or FSM SG?
note: your quotes seems to refer to FSM SG
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MY.
I have tried to look for such information in FSM MY Faq but could not find it.
SUSyklooi
post Aug 1 2020, 01:54 PM

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QUOTE(mastermindsos @ Aug 1 2020, 01:12 PM)
I am using managed portfolio.
Where do I look for the dividend payout option?
I could not find it in website/app.
Also which option should I choose?
I assume option 1 is the best as there is no service charge.
*
QUOTE(mastermindsos @ Aug 1 2020, 01:20 PM)
MY.
I have tried to look for such information in FSM MY Faq but could not find it.
*
UT purchased from FSM MY has only one dividend payout (if any) option..
(as per this from FSM MY FAQs)
9.5 How does FSMOne payout dividend from funds?
Distribution of dividends (income) method is pre-determined by FSMOne.

On behalf of you, all distribution of income (if any), will be reinvested in units of the relevant fund by FSMOne.

https://www.fundsupermart.com.my/fsmone/fun...bution-Dividend

mastermindsos
post Aug 1 2020, 02:01 PM

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QUOTE(yklooi @ Aug 1 2020, 01:54 PM)
UT purchased from FSM MY has only one dividend payout (if any) option..
(as per this from FSM MY FAQs)
9.5 How does FSMOne payout dividend from funds?
Distribution of dividends (income) method is pre-determined by FSMOne.

On behalf of you, all distribution of income (if any), will be reinvested in units of the relevant fund by FSMOne.

https://www.fundsupermart.com.my/fsmone/fun...bution-Dividend
*
Thank you.
no6
post Aug 2 2020, 12:28 PM

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QUOTE(GrumpyNooby @ Jul 29 2020, 10:53 PM)
Cash account is like your trading platform trust account.
Indicative rate is very low at about 1.1% pa only

https://www.fundsupermart.com.my/fsmone/fun...22-Cash-Account

It's not same as RHB CMF 2 which is a MMF fund.
*
RHB CMF 2 is considered one of the better MMF fund ?
0% Sales Charges
0.40% Annual Management Fee
10k * 0.4% = rm40 p.a
rm40 is prorated according to number of days invested ?


1.75% Sales Charges
1.87% Annual Expense Ratio
10k * 1.75% = rm175 (one time charges)
10k * 1.87% = rm187 p.a
rm187 is prorated according to number of days invested ?
p/s: any other charges besides than this ?



This post has been edited by no6: Aug 2 2020, 02:52 PM
WhitE LighteR
post Aug 2 2020, 07:39 PM

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QUOTE(no6 @ Aug 2 2020, 12:28 PM)
RHB CMF 2 is considered one of the better MMF fund ?
0% Sales Charges
0.40% Annual Management Fee
10k * 0.4% = rm40 p.a 
rm40 is prorated according to number of days invested ?
1.75% Sales Charges
1.87% Annual Expense Ratio
10k * 1.75% = rm175 (one time charges)
10k * 1.87% = rm187 p.a
rm187 is prorated according to number of days invested ?
p/s: any other charges besides than this ?
*
CMF fees already nett calculated in NAV

It doesn't have sales charge.

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