thanks for your advice. CMF is cash management fund? only found 1 RHB-OSK CMF2 at FSM.

Got indonesia funds ka?

That's right. That's why must see how much difference between FD and bond rates.   

I don't need the money, need the tax break. 

Any recom fund for 15-20 year horizon? 

Just registered myself for PPA and got into this PRS with this.

Got rolled into the youth incentive programme (RM1,000) to be distributed end of every statement year.

A start of my investment line!

Btw is this fund high risk high return? I see it fluctuates like nuts in the graph in FSM

You don't know meh? He's big supporter of amasia reits just because of selina yong.
To me it's rather useless. 1 month already Manulife went to 5+% from 3%, amasia stuck at 2%+

Manulife REITs versus AMAsia Reits. This has been a long running friendly feud between me and friend Ramjade. My stance is both are good and neck to neck in the race for supremacy.

And these two UTFs are a good example to showcase risk versus return.

Manulife Reits has 1/2 exposure into S-REits. 1/5 in HK.

AMAsia has 1/5 exposure into S-Reits. 1/5 n Aussie Reits and 1/5 in J-Reits.

Now can you see the concentration risk in Manulife Reits. Now S-Reits is doing well, that is why you see it gained better profit versus AMReits. What if a reversal were to happen? It will then tanked more than AmReits. If you looks at the volatility numbers, Manulife is more volatile compared to AmReits.

There is no wrong or right, it all boils down to each of us own risk tolerance. If you like to "cheong" type, then go with Manulife. If you like selamba-selamba style, then go for AmReits.

Xuzen

p/s In the end, both are good.

sounds like most my previous patients. when I left the other medical center to open up my on almost all the staffs and patients left to followed me. last I heart the other clinic ain't doing too well eventho they contracted another specialist

How many funds you holding right now leh?

Five, if include cash management fund then it is six. India, US, REITs, Asia Balanced fund, Bond and one cash fund.

Xuzen

Sifu, checking on below if i get it correctly.
Does this means on top of a 1.75 1 time fee, there is a 1.8 + 0.05 + 2.06% annual fee ? the fund kinda need to super perform for the amount of fee's paid.

very astute my dear dasecret! I been dropping hints through out this entire forum across multiple threads and not one has gotten it until now.

also a PT/DC will do fine either way. =)

Hi all FSM sifus,

I would like to do some asset allocation because I noticed that I am 100% heavy on equity side. What I have in mind is to invest some in bond funds.



The above is the screenshot of bond funds I have shortlisted based on “Recommended” indicator by FSM.

From what I can see, Libra Asnita seems to be the best bet with fair return and considerably lower 3 yr volatility.

Can anyone here suggest some other bond funds not in the list or I have missed? Thank you!

Good suggestion indeed. Thanks nemozai

Thanks dasecret for the other suggestion. Will look into both mentioned.

In addition, may I know is it wise to put some funds into Cash Management category such as RHB Cash Management Fund 2? Will I incur any expenses, fees (apart from the 0.42%) when I redeem it and turn it into cash again?

Can you share your thinking/reason for the 35% allocation to CMF?
Thanks 

He might be waiting for the big drops and then go for the kill and win big time. LOL.

Darn it! No wonder it look so familiar. I ingat you copy cat me somemore!

I have increased my allocation to Selina's and Esther's UTF.

come come lemme tag master Xuzen

he gonna say dump either kapchai or kgf.

take up RHB AIF for your balance fund
take up Selina fund for your fixed income.

fml it's esther. sorry. blur from work

You hold but you cannot withdraw it in that foreign currency also useless. Like that better change RM for SGD at moneychangers. No difference between this cash account and those multiple foreign currency accounts recently introduce by malaysian banks.
I think they going to introduce foreign denominated bond in the future. (eg USD, SGD, EUR, JPY etc)

BNM is ok with you doing purchase in foreign currencies as long as the money stays in Malaysia. Why do you think they come out with the rule exporters have to bring back 75% of their currency in RM and retain the other 25% in foreign currency with Malaysian banks? Reason is simple. Even if you retain 25% in foreign currency with Malaysian banks, you cannot withdraw it in foreign currency notes. No banks in Malaysia will accept foreign currency notes. Very few investment instruments in Malaysia are denominated in foreign currency. So having foreign currency in malaysia is essentially useless.

You can only use foreign currency in Malaysia to:
(i) buy house overseas
(ii) pay education fees
(iii) for export business
(iv) use it for overseas investment

Foreign currency in Malaysia is better than letting the foreign currency flow out 
Come come. I teach you. I gave xuzen homework how to do all that without going to SG at all.
https://forum.lowyat.net/index.php?showtopi...post&p=84349022

Don't know if he did his homework or not 

You can do all online. I only go SG to topup cash into my account.  From SG you can venture to other part of the (AU, UK, US, HK, etc)
You use FSM SG, you pay platform fees.
You use POEMS, you pay 0% platform fees.

Me? I use FSM SG info and buy from POEMS.     Terika kasih FSM SG   
Are you sure?  See this 
Maybank Master Foreign Currency Account
Cimb Foreign Currency Current Account
RHB Multi Currency Account

For new PRS application (cimb PRS) are these the only forms I need to give FSM?
- CIMB-Principal Private Retirement Scheme (PRS) – Joint Account Opening Form
- CIMB-Principal Private Retirement Scheme (PRS) – Contribution Form
- IC

Nothing else right?