how much do u invest from epf? as much as allowable?

Yes as much possible. Why stick 5%p.a when you can get 10%p.a

i see. different risk appetite i guess. over the epf thread, plenty pumping in 100k yearly to lock their money in epf.

I won't even do volunteer contribution into Epf apart from max RM3k/year (for life insurance part).

However compulsory money into EPF that cannot be removed better be put to work as efficiently as possible and if it beat EPF returns, I will continue to give them my money. You want to do everything you can to save your future purchasing power as ringgit as a deprecating currency.

FSM SG supports LSE but no RSP yet I think. So I guess might be matter of time LSE is available in FSM MY

Here is the bond price movement. any additional thoughts?

It is good to hv some diversification, just hope that the forex appreciation part plus the coupon rate of it are beneficial in having that bond fund.

I remembered someone posted recently regarding
https://www.fsmone.com.my/funds/tools/facts...d?fund=MYARFSTF

Just not sure which is better if compared with includes the forex exchanges




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check in jap.

lost money in "managed portfolio" from FSM MY on "conservative portfolio". Don't know what crap they're investing in.. probably bonds before fed raise interest rates. lol.

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One reason I stopped investing in Fsm except their fixed income funds is the managed portfolio which sucked so much I was in the red for two years straight. Donno what they are doing

How long have you been holding the portfolio? Usually they will switch funds in those portfolio. But me holding their moderate portfolio also took quite a while for it to turn green. Finally decided to just sell all with just about 4% gain for 2 years.
For conservative type I think might as well you DIY, with more portion into fixed income and some equity.

Same here, invested in FSM Managed portfolio (Aggressive and Balanced) for past 2 years - all in the red

This post has been edited by Fledgeling: Apr 5 2024, 05:04 PM

You can check out their "portfolio factsheet" it's quite informative where their performance (and under-performance) is coming from.

Random sampling seem to suggest:

(a) emerging market bond suffer as US hike interest rate (2022-2023?), also exposure in Malaysia bonds are quite high (40+%) and foreign bonds (about 30%+), remaining in equities.

(b) equities is mainly due to China and tech. Although China holdings is hovering between 1.5- 0.5% of the portfolio, can expect is to be slightly higher cause they are also buying into Asia Pac (ex Japan) funds.

Looks like between 2022-2023, there was no place to hide at all or safe heaven, since there was Fed hike, China and tech causing everything to go bonkers. I think should see some silver lining when the fed reduces interest rates but there is talks it will remain. It's kind of crazy.

agreed, I'll DYI on that. Now I'm at -4%, contemplating if I should sell.

I just sold my StashAway not long ago, all red. And bought SG bank stock. Best decision ever, i dont have to keep seeing those red, and the SG bank stock are green now. And at least i can get those cold hard dividend from bank stock, if they ever go red too.

This post has been edited by buffa: Apr 8 2024, 01:39 PM

https://www.fsmone.com.my/funds/research/ar...-details/290720

may I enquire what bank you bought?

Usually people will go for the 3 main bank. DBS, OCBC and UOB

yeah. I did abit of reading. Ocbc seems to be the right one.

1)DBS-the best
2)OCBC
3)UOB