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

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puchongite
post Apr 14 2017, 11:52 AM

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QUOTE(Avangelice @ Apr 14 2017, 11:50 AM)
I highly doubt this cash account will be open to us Malaysian after how our leadership have been known to illegally siphon Malaysian Currency out of the country.

you can thank our Goverment for this.
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I also think that way. Too remote to be considered as possible.
puchongite
post Apr 15 2017, 07:19 AM

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QUOTE(T231H @ Apr 15 2017, 05:21 AM)
I googled and found an old article by the same person KCLAU
it did provides some insights and fees about this Ifast...
hope it helps
https://kclau.com/investment/fundsupermart/
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QUOTE(Ancient-XinG- @ Apr 15 2017, 06:46 AM)
Wow. Then how much it will charge.

Afraid like going into PM style. PM also got agent help but 90% are so clueless
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There is a post by a reader at the end if the kclau's post, by a person called Peter Lim.

» Click to show Spoiler - click again to hide... «


When can we have such a product in Malaysia ?

This post has been edited by puchongite: Apr 15 2017, 07:23 AM
puchongite
post Apr 15 2017, 07:36 AM

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QUOTE(David83 @ Apr 15 2017, 07:11 AM)
Top And Bottom Equity Funds 1Q2017: Small Cap – Big Returns!

URL: https://www.fundsupermart.com.my/main/resea...turns!-8228
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Stepping into quarter 2 the whole game plan is totally changed. What works for Q1 is likely not going to work for this Q2. Anyone want to comment what will be the game strategy for Q2 ? wink.gif
puchongite
post Apr 15 2017, 07:44 AM

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QUOTE(David83 @ Apr 15 2017, 07:39 AM)
Follow Algozen™
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Meaning I need to cash out 35% of my port into CMF .....

This post has been edited by puchongite: Apr 15 2017, 07:45 AM
puchongite
post Apr 15 2017, 09:48 AM

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QUOTE(Avangelice @ Apr 15 2017, 09:19 AM)
here's a kicker say you cash out 35% of your port into CMF to time for the big shake up in preparation to buy back in.

What if the correction happens in Q4 or '18Q1, which means you parked 35% of your fund in CMF for the entire duration.

also whatever you buy after you will be charged 1.75 SC
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Two points :-

1. 35% CMF is what Algozen preaches.
2. 1.75 % SC is non issue if one switches to bond funds as intermediary or some other fund platform will have promotion rate too.
puchongite
post Apr 15 2017, 12:35 PM

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QUOTE(xuzen @ Apr 15 2017, 12:32 PM)
With regards to RHB EMB, I entered one month ago with an initial capital outlay of MYR 15K.

I exited last week with a 1.5% profit in one mth period.

Why do I exit?

I see that her volatility is increasing, making the risk to reward going down.

Hence I just sell it and place the proceed with Selina's.

In Selina I trust!  icon_rolleyes.gif

Xuzen
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How would REIT perform in case the mad man Trump indeed start a war with Mr Kim ?
puchongite
post Apr 16 2017, 03:49 PM

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QUOTE(wodenus @ Apr 16 2017, 03:32 PM)
If WW3 happens, buy everything. Wars are good for the global economy. There's always been a global boom after a world war.
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Sounds like you are one of the advisers to Donald Trump.
puchongite
post Apr 16 2017, 04:02 PM

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QUOTE(wodenus @ Apr 16 2017, 03:53 PM)
http://www.macrotrends.net/2324/sp-500-historical-chart-data

Imagine you bought the S&P at 200+ when war was declared, how much would it be worth now?
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What economic return you can get if a WW3 ended up with nuclear war that totally destroy the entire world ?

This post has been edited by puchongite: Apr 16 2017, 04:04 PM
puchongite
post Apr 17 2017, 10:22 AM

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QUOTE(WhitE LighteR @ Apr 17 2017, 09:39 AM)
If this happen finding food n shelter will be a larger and more immediate problem. oh n dont forget the trying to not die part...

if ww3 happen the showdown would be here in Asia Pasific. Not in Europe or somewhere far away.
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So nobody in the sane mind will even talk about the possible upside of economic returns in a World War. It's irrelevant. This black humor is just distasteful.
puchongite
post Apr 17 2017, 11:26 AM

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QUOTE(prince_mk @ Apr 17 2017, 10:39 AM)
The FSM customer service said wrap acc usually handled by outsider company which is business partner to them. Every buying is subject to charges (nego charges with the advisor and can be lower or max as per the Fundfactsheet) and the transaction is passed to Ifast for processing.

Got in and out and paying one time charges a year ? We are confused too. Can anyone enlighten me with this wrap acc ? TQ
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So much interest in WRAP account ?

Is it because you want to do a lot of switching or because you want to subscribe to managed portfolio services eventually ?

:query: :curious:


puchongite
post Apr 17 2017, 02:55 PM

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QUOTE(Ramjade @ Apr 17 2017, 02:46 PM)
Was writing that down then I realise by writing that down, I expose myself to how much I have. Remember I have United Asian HY bond fund which is min RM10k. So by giving % of my fund, people who rajin can reserve calculate it.

Nobody gives a shit? This is online world. Everyone is interested in your money. 1st rule of posting things online, never put personal identifiable info online.

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But seriously you can't be having so much money because you keep saying a 5k investment in eunittrust which entitles you 0% SC but you keep expressing difficulty in meeting it. innocent.gif
puchongite
post Apr 17 2017, 03:23 PM

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QUOTE(Avangelice @ Apr 17 2017, 03:17 PM)
why are you so afraid about one knowing you? nobody got the time to track you down and even if they did, why? we aren't loaded to warrant a kidnapping.

as for me I'm already quite known in my town so doesn't matter to me if someone tracks me down. I never lied nor scammed anyone. nothing to be afraid.
yes I remember that and he going into maybank eGIA-i, sg poems, and etc makes me feel like he is stretching himself thin.

dasecret once queried about Ramjade being a student yet posting falsehood and he went out ignored her
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He might not be afraid of you but maybe the inland revenue guys .... devil.gif
puchongite
post Apr 17 2017, 03:50 PM

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QUOTE(funnyface @ Apr 17 2017, 03:32 PM)
Jangan gaduh gaduh lah, we are all here to earn $$$  biggrin.gif
Chill  icon_rolleyes.gif
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Mana ada gaduh ? More like teasing. brows.gif
puchongite
post Apr 17 2017, 05:52 PM

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QUOTE(Ancient-XinG- @ Apr 17 2017, 05:35 PM)
No possible to know your amount la... Don't so paranoid la.
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QUOTE(shankar_dass93 @ Apr 17 2017, 05:41 PM)
Biar la, jangan paksa bro ramjade untuk state portfolio allocaation dia.
Dia dah already hint that portfolio dia bear sangat brows.gif

All that i know is that his portfolio may be more than 100k whistling.gif  sweat.gif
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He just need to reveal United Asia HY Bond he has 1% of it.

Then we know he has at least 1 mil for his portfolio.
puchongite
post Apr 17 2017, 08:11 PM

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QUOTE(Ancient-XinG- @ Apr 17 2017, 08:05 PM)
Lol they guy3238 should be ultra worried now lo

Hahaha.

Come on.
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Sorry why you think he is worried ? He would have made tonnes of money from his gold fund investment.

I am guessing but you too. wink.gif
puchongite
post Apr 18 2017, 08:07 AM

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QUOTE(yklooi @ Apr 18 2017, 07:40 AM)
just remember this saying / advise when I read business management articles many decades ago.... which I think is applicable to UT too (to be on topic  biggrin.gif )

If one can gives me chicken, I should not be hesitates / grumbling in giving him drumsticks....
(in business sense) If a staff can perform or provided a satisfied environment, I don't mind paying him more.
(why I don't mind...bcos i got more compared to him)

(in UT sense) If the entities can provides me with a satisfied investment environment (which includes: service, knowledge, responses to queries, well maintained platform, sense of securities, etc, etc) for my investment needs....I should not be hesitate / grumbling in giving that entities what they wanted.
(why I don't mind....bcos i got more compared to them)

in short...maybe not directly relevant..."If you pay peanuts....you may get monkeys"

Kind of not morally corrects (but some people think they are smarter by doing it)....
(some of you noticed that to or are doing that too)...it happened, are happening and will continue to happens..
The Tesco has carpark,...some people use that carpark to park their car BUT did not shop there...they just go next door to shop/eat.....
Do you think they are morally right?
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Uncle satisfied or not largely depends on individuals. The hotel buffet breakfast is damn good too. Why would people stay in hotel but have the breakfast at the little mamak stall just next to it ?
puchongite
post Apr 18 2017, 08:58 AM

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QUOTE(T231H @ Apr 18 2017, 08:16 AM)
yes,...depends on individuals.....
like your example....I do that too,...I eat at mamak stalls next door bcos I got not more money after I paid for the hotel stay..... biggrin.gif
like your example....do you park free at the hotel which you don't stay but eat outside?.....like Yklooi story about using Tesco facilities but not buying from Tesco...?

yes...it depends on individuals.....
the world is like that,...for some things/incidents, if you don't take, some one else would.....

but just don't do it in front of our children.....
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Depending on what you mean by don't do it in front of our children.

I remember a while ago another poster said I should not be talking about eUT in this thread. My view is simple. This is a not a thread which is sponsored by FSM. We are using lowyat.NET resources, and it is intended to be a public forum. FSM also has never come forward to claim ownership of this thread. And the contributors are also not labeled as from FSM.

If this thread is hosted in FSM website, then of course I will not talk about eUT but the scenario here is totally different.
puchongite
post Apr 18 2017, 09:32 AM

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QUOTE(dasecret @ Apr 18 2017, 09:27 AM)
Here we go again....

All I ask is for those who use eUT platform to start a eUT thread so that the dedicated discussion can take place there.
But no, I've been repetitively ignored. I supposed their users are not only stingy in $$$, but also stingy in effort.... Take and never give  shakehead.gif

Of course I'm not going to go complain to the mods, because this only reflect badly on you, not me
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No, it reflects on your one-tracked mind and intention to stear or channel public resources for you own preference. devil.gif
puchongite
post Apr 18 2017, 09:51 AM

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QUOTE(Avangelice @ Apr 18 2017, 09:45 AM)
just freaking open the eUT thread already and go over there. it is geting irritating talking about silly service charges when it is repeated multiple times every month. mind you it's talking about platforms not UT in general so don't give me the bs about it under the same topic

even in stock exchange the traders opened their own thread after there was an argument between investing vs trading. like wise do it if you have the balls to. other than that keep to the topic which is fundsupermart
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Yes, you get irrirated by many things including your patience. To start with perhaps you should look at how many times you have put up your own personal life subjects/matters into this thread ? devil.gif

This post has been edited by puchongite: Apr 18 2017, 09:55 AM
puchongite
post Apr 18 2017, 12:01 PM

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QUOTE(hurtedheart @ Apr 18 2017, 11:49 AM)
Thank you, but .. I think investing in unit trust is more suitable for me than stocks ... I have no time (and interest) to respond to the changes in stock market ..
basically I have a fund under each equity category of FSM recommended fund except for islamic funds. for bond funds, I have RHB EMBF & ATF
.. After we login to FSM, there is a 'cost'  which is referring to our investment amount, not only specifically referring to sales charge / GST.

Say for example, my initial investment for Fund A is RM 5,000.00. If the NAV dropped by 10% that month and my DCA is RM 100.00, the impact of this RM 100 additional will not significantly lower the weighted average cost. However, given the same situation, if the amount of DCA is RM 5,000.00, then the impact to weighted average cost will be significant.

Subsequently, if there is drop in the NAV by 10% again, the impact of DCA RM5,000 will make the weighted average cost even lower, on the other hand, if it hikes, it is also fine as I have benefited from the previous month's DCA of RM 5,000 which make the weighted average cost lower compare to if I have only DCA RM 100.

If the NAV hikes 10% after my initial investment, and continues to hike another 10% after the previous DCA, it will make the weighted average cost significantly higher too. The drawback is my cost of investment is higher, the good point is I have more units to enjoy the 10% compared to if I DCA RM 100. Sometimes, I find reluctant to redeem the units while maintaining the value similar to my cost even the targeted profit has been achieved as after redeeming the units of equal value to the targeted profit, the value of the remainder units could not be maintained as similar to my cost.

So I feel like DCA a greater amount is more secured ..
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It's incorrect.

You only give the case of one top up. If you see the DCA as a sequence of tops up, that's different.

Bottomline :-

If you are topping up against a dropping price during your DCA period, then it would be better to top up less. Just very simple, if you top up more, the drops further, you lose even more !!!

If you are topping up against an increasing price during your DCA period, then it would be better to top up more.

Question is still whether do you exactly know it will be increasing or it will be decreasing. If you know that, then no need to DCA ! LOL.

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