I am not trying to put in numbers. The OP mentioned about 50k, 100k etc, so I use his figures as an example.

I should have stopped that driver and asked him if he knows anything about investment!

Good point on EPF. I am not yet working so I won't know much about EPF schemes. The employed/self-employed adults here will know better. That 7% can really make a difference over the long run.   
Not hard at all. Just type using your keyboard, which fixed-income fund do you own. Or, consider using Google's text-to-speech engine.

Also, new to a forum does not mean new to investing. Please reread all my posts. As far as I have checked, I never mention that I am new to investing.

I don't hold any fixed-income fund. Most of my fixed-income securities (all of them are bonds, no convertibles, no preferred shares) are from ASNB Sara 1, the 3 ASNB FP funds and Eastspring Investments Asia Select Income Fund.
Well-said. More on this later.
Black sheep? Selling funds on behalf of fund companies?

I salute you ladies and gentlemen for your very creative mindset.

Unfortunately, I don't work for any company except one called "family" and my job is to clean the company's compound and run errands for my managers who are known as "father" and "mother" respectively. Sometimes, my colleague whose name is "sister" will work with me. 

Now. I am just an A-level student who is about to enter university this August. Nothing more.

In which post did I mention that you should purchase a particular fund and did I repeat it over and over again throughout the discussion?

Yes. I repeated EPF and ASNB FP funds a few times. So, what do you think? Are they bad funds? Do I earn commissions from EPF or PNB by selling their services to you? Everyone here knows you can buy ASNB funds online or over-the-counter and EPF is a mandatory provident scheme.

There's no one-size-fits-all solution. Some members are high-risk taker, so I recommend derivatives and much more "exotic" financial products. (I never even mention which fund to invest in for high-risk taker, it is the member himself who said he invested in AB American Income Portfolio.) Some are risk-averse, I mention about the need to hold good balanced funds and quoted newspaper articles and even in those newspaper articles, no specific fund houses are mentioned.

Perhaps some sharp-eyed members see that I hold Eastspring Investments' fund and I recommended Eastspring's bond fund as one of the few bond funds recommended.

First, notice that I also recommended KAF bond fund and used the word etc. Obviously, there are more choices out there. If in doubt, always look for Lipper and Morningstar and see if the funds do well in comparison to their peers. When I mentioned about using the portfolio simulator, you shouldn't just use Eastspring's bond fund as the only candidate, should you? Try other conventional bond funds. (Maybank's Income Trust is also fine to me, although I really doubt the 8% return over 10 years. That's already comparable to that of a typical balanced fund. Perhaps they hold high-yield bonds in the past.) Check the prospectus, fund fact sheets and reports. Look for the indicators I mentioned earlier. Do the fund managers trade often? Do they earn a lot from management fee? Do the trustee earn a lot as well from trustee fee?

If all I want is to persuade you to buy why do I have to tell you so much? I wouldn't have recommended you to read newspaper and books, would I?

Secondly, not all Eastspring's funds do well. (Check!) I don't simply recommend people purchasing fund without good reasons. I need to know, again, his/her current financial position, risk appetite, age, objective, etc. You invest for a reason. Those who fell prey to members who simply want to sell funds and earn a commission, all I can say is you did not know why you invested in the first place.

What makes you invest in a fund? High return? Low-risk? Such things only exist in Utopia. (There was once a time, a few years ago, way too many Malaysians believe in money games ended up losing their money, remember?)

Did the person who sell you this fund asked the same question as I did?

When I mentioned about Asnita, I never say it's a bad fund. (They are however, good alternatives especially on the conventional bond side. Don't take my words for granted. Check on your own!) The only thing that needs attention is the above average PTR. That's it. Hold or sell. Your choice. If Asnita lowers down your portfolio's volatility, and you are willing to forgo a bit of return, that's fine. After all, different investors will have different portfolios. I won't know how much would selling or holding Asnita will do to each and every portfolio. It's your job to check the impact.

When I first come to this forum, I started asking about PTR concerns about Affin Hwang's fund, all I get is "I pay more attention to the returns it gives me, if I am satisfied with its performance....I don't care." This is already telling me that it is a very dangerous way of investing.

Then someone treated institutional investors as Westerners. Another misleading information for many others. Remember that many others who never register as a member if this forum are also following and reading this thread.

All too often articles about market timing, such as when and what to buy and sell appear here and there. I am afraid many are simply dragged by the wave and detour from their original investment objective. If you have a financial planner working along with you, you might be safe, but what about others?

My portfolio won't give me negative returns simply because someone suspect that I am a UT consultant or some other evil salesperson you meet at the CIMB branch at Lucky Garden.

I am young and in my 20s. Provoking arguments against all adults here who are in their 30s and 40s makes no sense at all.

I am coming here in hope of promoting a healthier discussion of choosing funds and investing. What makes a healthier discussion?

You can of course mention about market timing and funds to buy or sell. But there should be more to that. Is that fund in line with your investment needs? What about the fund's portfolio? Any junk bonds? Or way too many blue-chips? Or are they feeder funds? Then what about the performance of their target funds? And most importantly, what are the risks associated? Can you take the risks? What about the fund managers? If a fund manager stepped down, that's something to be alert. Will they new fund manager still perform as good as the previous one? How many years of experience does he/she has? (Honestly, I hardly see anyone mention that. All I see is people showing smilies that they are very sad when Bursa is going south and the opposite expression when S&P 500 go up.)

If all of you prefer the old style of chit-chat without going deeper and analytical, that's fine. I am just going to sit back and watch. Or you can just report to the moderators and close my account. No regrets at all. After all, I didn't lose anything, did I?

Good luck with your investment and enjoy your day. I am tried of typing. Going for lunch.