I am at 5%+

Of course not. Thought about it then cancel as IMO, it's not worth it. I am more of autopilot person. Doesn't want to moniter so much.

Reasons:
(i) well to get ammo for my next SG trip in march
(ii) 12% profit is better than no profit right? Cut loss while it's still climbing


I believed 10% is doable. (United asian HY bond fund a perfect eg) 15% if you got nerve of steels.

Agreed with Avengelice. If they stop the tax relief, will not buy anymore.

This post has been edited by Ramjade: Feb 15 2017, 02:55 PM

It's a AP bond fund which give 10% returns per year. Not as volatite as RHB ATRF

Min starting amount is rm10k. You got the moo? ?

This post has been edited by Ramjade: Feb 15 2017, 03:15 PM

For SG part United asian HY bond only need sgd1k. Way lower than here.

Save TT charges and self forex = go there and deposit money?

Amasia returns pales in comparison to Manulife AP REITS

I think I can answer your question. People can just switch from equity > bond > cmf thus earning credits point. Remembr the ninja credit trick? Now is a good time to do it. That way your profit/whole fund is safe if correction happen assuming the person withdraw all out.

Wait for it to hit almost bottom, then use the credits earned to buy units at low price (principal + profit pumped back in) without incurring service charge (use the credit points) You are also effectively getting more units/price. That way, you will have more profit than let the fund sit there in the red when it return to normal.

Hope you can understand what I am saying. It's like stocks. No different as UT is basically a basket of stocks.

Of course one can sit there and don't do anything.

This post has been edited by Ramjade: Feb 15 2017, 06:23 PM

That's right.

That's why there 3 school of thoughs:
(i) leave it on auto pilot
(ii) moniter the market like a hawk
(iii) take profit every now and then (a profit is still a profit - remember that)


For me? I am more of (i) but since I need bullets for SG, so hell yeah, just withdraw while there's still profit.

No unless you buy bond fynd with exit fees of less than 1 year.

10% pa is reasonable if it's a bull market.

1. I see how people react
2. It's true. Some people let it on auto mode, some people here skim profit, some people here remove everything once hit certain amount.

It's up to the person to choose which one he/she is much comfortable with.

If you want proof I can provide proof who use method 1, 2, 3

This post has been edited by Ramjade: Feb 16 2017, 02:35 PM

You can see your units before and after. If you have extra x amount of units, it means the dividend have been reinvested.
Also if you don't know how much extra units you received, check the statement. FSM give you statement which state you received how many units.

This post has been edited by Ramjade: Feb 16 2017, 03:26 PM

Wait la. If it crash then people cakap unit trust tipu orang

Starting of the decline again?
Which means Ponzi 1 will be affected..

Who asked you to do RSP? Manually topup la.
You are free to choose when to topup.

Could be cause by this?
http://www.freemalaysiatoday.com/category/...n-payment-fail/

This post has been edited by Ramjade: Feb 16 2017, 08:34 PM

Care to share which card is that and where did you apply?
Do you pay first then claim back later/don't need to pay.

Pay rm250 for how long? How many years?

Of course. Perfect example rhb islamic bond fund/affin hwang select bond.
If you are feeling adventurous, try united asian hy bond

It's a wholesale fund. Here you go
https://www.fundsupermart.com.my/main/fundi...nd-MYR-MYUOBAHY - MYR
https://www.fundsupermart.com.my/main/fundi...d-SGD-MYUOBAHYS - SGD
https://www.fundsupermart.com.my/main/fundi...d-USD-MYUOBAHYU - USD

Let's hope CMF profit can cover the bond fees.

Bond with platform fees.

No need. Just need min RM100k