Yes subject ETF manager as it is basket of companies to decide based on the current NAV in order to give lower or higher dividends especially those on yearly payout

If you’re looking for dividends don’t bother buying ETFs you will be better off buying bonds or stocks which has better and consistent payout

Look into more REITs and stay away from ETF REITs

Yes received 2 or 3 weeks ago.

Yes. Received early last week.

Received last week. Have been receiving red packets since 2014.

yup last week, always my favourite packets, nicer than any of the premier/priority banking ones.

I have been with FSMone for about 5 yrs.
I find that one need to actively managed the portfolio to make some decent returns, much like shares.
There is always a season for each region and each class of UT.

Do you agree?

By the time we realised that it is not doing good, will it be too late?
If we follow past performance, will it be too late too?

The question of sell / buy too early or too late is relative as a UT can go higher and higher or lower and lower.
Maybe we should manage our feelings by being not too greedy or too fearful.

A UT that has gone up or down more than 10 percent in 6 months needs trimming of positions to lock in profits or loss.

I am not doing it myself yet but is there any logic or evidence that this works ?

Thanks for the advice.

Could you further explain on:
1. Dont bother buying ETFs. Bonds as in 'real' bond or unit trust bond?
2. Stay away from ETF REITs

What is your definition of actively managed? Daily? Weekly? Monthly? Quarterly? I believe FSM articles say about twice a year or annually. For me was annually. You can set your own frequency.

Yes, simply because an ETF manager charges fees for investing in all these stocks. The fees are still much lower than a normal mutual fund/unit trust, but it will still drag the performance a bit.

if you buy ALL stocks individually,...will individual buying cost (like for example, stamp duty, broker commission fees, clearing fees, buying fees, etc, etc) if ALL added up will it be more expensive than just buy and ETF?

This post has been edited by yklooi: Jan 28 2022, 03:48 PM

you asked,...they summarized it...

A Summary of Fund Houses' Views
Last week, we have organized our annual flagship event — What and Where to Invest. In this article, we summarize the key points of each fund house.
https://www.fsmone.com.my/funds/research/ar...views?src=funds

Dear Investor,

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The RM100 worth of Cash Management Fund 2 will be credited into your FSMOne personal account latest by 4 February 2022.

We thank you for supporting the launch of FSMOne Singapore stocks and ETFs trading services

Thanks!

Never ever buy bond UT as it the worst with the fees which gives you only around 3% return and look for High Yield but beware of the risks so lots of homework to do underlying assets

If you ever wanna buy REITs just buy pure REITs rather than ETFs as it will drag down your returns as too diversified and every year after dividends payout it will readjust to a loss value and then it will start chasing to gain back the loss of value

REITs as in stocks will give you high % as it mandated for them to payout to shareholders otherwise the REITs will get tax highly

Portfolio tanked 5% in the last month. Been an investor since 2013 and overall IRR still > 7% which I am still satisfied with.

Haha...that would require extensive calculation. But thanks for the truth!

Thanks. Any example of REITS as in stocks? Not familiar with this as what I know are only ETF REITS and mutual fund REITS.

Sunway, Axis, IGB, KLCCP are in Bursa

Capitaland, Parkway in SGX

*Just a few example but many to look around