Okay kapchai did not grow as fast as Ponzi 1 but maybe after ponzi 1 soft closed, the kapchai will grow faster to hit the RM650mil.

OT

Im not familliar with stock investment but in your opinion the return between UT and stock, is stock better?

permanently effective 1 April 2017.
By lowering the sales charges to 1.75%, FSM sincerely hope that their clients will be able to enhance their income and savings and be able to meet their financial needs.

https://www.fundsupermart.com.my/main/resea...d-to-1.75--8171

I think it is a worthwhile bet to spend about 0.50 sen on phone charges to contact FSM....
if win...save RM 4.5
if lose....RM 0.50 (some hp plan have free call)

this kind of news must dig deep inside.

for me, i usually read news in the FSM home front page

Paiseh! Paiseh! Actually hor... I don't have priority banking. Used to have it. I cancelled it and now maintain only AMBank CASA to get the FOC IBG nia. I also cancel my cheque book liao and used mainly IBG for all transaction... because I also kiam siap kwee, don't want to pay the MYR 0.60 plus MYR 0.15 plus GST each time I use a piece of cheque.

I'd rather be a platinum member of FSM than being a Priority banking client because the former means reduce cost whereas the latter means more cost involve.

Plus, Jennifer gives her megawatt smile all the time.

Xuzen

I wonder if they are trying to go down the SG route. Decreasing little by little and then BAM  quarterly platform fees...

I am suspicious. Their only competitor is at 2%. Why so generous suddenly? It just doesn't make sense.

My maybank RM keep selling me TAGTF. with SC of 5.5. I keep saying no no no. I tell them the 5.5 is too high. Yesterday they message me will give me 3.5 if I invested 10k hahaha.

Here I can 1.75 only even1k. One more PM amoi. Hhnnnggghhh market care bad nowadays

So this change going to make any difference to your plan to go sg ?

It doesn't apply to me as I have no borrowing. Even if I did, I don't have rm1m.
Just keep all statement in case kena audit.

Dear Valued Customers,

Effective 27th March 2017, all transactions involving the receipt of foreign inward telegraphic transfer payments and subsequent crediting into your account with an amount equivalent to the ITT Payments will be placed under a "HOLD" status.

You are required to provide us with satisfactory relevant information and documents to support the ITT Payments within three (3) business days of receipt of the ITT Payments; and

We will uplift the "HOLD" status only after we have verified the ITT Payments and are satisfied with the Information and Documents, after which the Equivalent Amount will then be available for your use.

If you require any clarification or further information, please refer to the FAQs and Customer Notification available online via www.maybank2u.com.my under "Highlights" or contact any Maybank branch or Customer Care hotline at 1-300 88 6688 (domestic) or 603-7844 3696 (overseas) any time, any day including Malaysia national public holidays.

For more details or clarification on the FEA Rules, kindly refer to BNM's website at www.bnm.gov.my or contact BNMTELELINK at 1-300-885 5465 or email to bnmtelelink@bnm.gov.my

Of course 2 way eat la. Here is highly informative and serious discussion.

There is blow water. Put ready dispose to PM lo. To earn free things hahah.

But but...
I did some mistake with the amoi part... Sad xiaaa

CB la I so so stupid.

Story like this....

In one fine morning, as usual la rush to study and transit via KL Sentral, was taking the free news paper.

Suddenly one wild amoi (pretty sia) appear and stop me by asking, Sir do you contribute to KWSP? I answer back la No. Then she ask back, why? giggle abit, and say she is from PM and ask do I know PM? Gave me name card, and ask my number to sent info about PM after I tell her I am rushing *got class at 745. She ad ready to key in my number but I reply like a fool *aduhhh* by saying sorry I don't invest via PM and ready to go away. And that's it. I just go like that.

Reason behind is that I already invest via FSM and SC is so low. Why I go for PM and its hard to earn via some wild consultant just appear in nowhere. And its busy season for me to entertain anything.

But back then I sit in the lrt. And rethink.... wtf ccb kns why I so stupid..... Where got consultant suddenly appear in lrt station asking for customer, where got people do this thing early in the morning and there is no booth or what in recent days or even weeks....

omg. damn sia.

Usually those approaching me is usually male consultant. And youngster usually in highly populated area which I don't usually go like in Bandar utama, curve etc...
I may be perasan but its an opportunity right lol

End of rant/

Sorry for OT.

check out page# 136, post# 2713,
then goto FSM site to read more about the fund....

Disclaimer:
This post does not constitute an investment recommendation.
No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund.
Investors should read the relevant fund's prospectus for details before making any investment decision.
An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

Disclaimer 50x longer than the answer.

Basically it means, go f*** yourself, politically correct version. In finance and law especially, people like to complicate things. I think that's also what doctors gave patients to sign before surgery...I think you would understand better. If you died, go f yourself. Likewise, if you lose money, go f yourself. 

How you know? Maybe they turun it once every 5 years  
If they really turun once every 5 years, it will take them ages to decrease to 0%

kenanga growth 2016 performance is not up to par

comparing with FD
http://my.morningstar.com/ap/quicktake/ret...tab=TotalReturn

sorry, it worst than EPF.

That is not what was advised by the FH....on the Master Prospectus

the investors should read, understand the Master Prospectus regarding the fund it wanted to buy.....then determine it suitability....under investor's profile .....in the Master Prospectus

don't simply buy then complain.....
ex....if people wanted EPF rate, do self contribution into it...then compliant of long lockin period....

understand one own risk appetite and be honest to oneself,.....read the factsheet and Master Prospectus....if still not sure.......don't get involves.....get professional advise...get HELPS.

not for the faint hearted