Being billed for platform fee again!

Anggap donation to FSM lo. They jadi kaya to serve you better/hire more pretty girls.
Yes they charge you every quarter according to the value. Eg you put RM1k, but it increase to RM1.1k in the 2nd month eventhough you didn't add extra, your platform fee increases also. You get charge 0.05% RM1k in the 1st month. Then get charged 0.05% RM1.1k for 2nd month. I didn't know that. I thought we will kena the charge for original amount.

Well I kena. That's how I know.   

stop worrying abt it
best solution?..log out and leave it
come back in a year time

when people are timing the market, I'm sitting here continuing on my dca and focusing on my main income.

control the controlables.
be objective in your day to day tasks.
ignore white noise.
stick to your principles.

I'd go for before hedging because that reflects the original currency the bonds are denominated in which in a way reflect the country allocation. The fund use hedging instruments to reduce the volatility of the fund, that's how they achieve such a low volatility despite being an asian bond fund

Why you expect Manulife AP REIT will move lower  ?

If possible try not to make a call based on 1 month' profile ..

regret that i bought Templeton Global Total Return - USD.

the foreign exchange rate charge is a big disadvantage

Depends. If funds on FSM MY no. If SG UT, then yes. Some foreign denominated funds outperform the SGD funds (same sector but different fund house)

as they say don't put all your eggs in one basket. I do like unit trust but it's kinda boring just investing into it and letting it flourish.

stocks on the other hand offer that adrenaline rush esp when you tap on the buy button and pray to every deity in heaven that you didn't make a mistake esp keying in how many lots you need. a veteran over in stocks exchange keyed in one digit difference and that one digit can mean a 20k myr

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also there's the dividends. all fun fun. we'll until you screw up.

be advised this is way difficult than UT. this is a product of many homework and research and worrying that what if you chose the wrong counter and stand to lose 60% of your capital and it doesn't appreciate. unlike it all you have is measly returns if you made the wrong call

possible....but I think they are basing on this
https://www.fundsupermart.com.my/main/resea...5-May-2017-8314

Not really. If you want to invest for capital appreciation, then yeah maybe more work needed. Because those stocks, no analayst no cover, no one knows about it.

But if you are investing for income (dividend yield), few criteria criteria.
1) financial balance sheet. A company with zero debts or low debts is mich better at survival.
2) company you see everyday which people use and  hard for them to survive without it. But this is just a clue. Not necessarily can work (good eg. PPB group on observation it's a good business - gsc cinema, massimo bread, blue key and cap sauh flour, neptune and sri murni cooking oil but if you dig deeper, not so impressive although it's owned by the famous robert kouk)

Can malaysia survive without it? Most likely can but hard.

But OT.

how to interpret the market valuation table?
hope this can helps....

Valuations
The market weighted price-earnings ratio (PE) or ‘market valuations’ as we commonly address it, is a measurement of how ‘expensive’ or ‘cheap’ a market is at a particular point of time. The information on market valuations is easily available on our fundsupermart website.

So how is the price-earnings ratio calculated? The price-earnings ratio is the current price of the market divided by the expected earnings per share for the market.
Expected earnings are calculated on a weighted average basis ( companies with a higher market capitalization will have a higher ‘weight’ in the calculation of expected earnings).

It is relatively straightforward to compare valuations. A market with a high PE is considered ‘expensive’ and a market with a low PE is considered ‘cheap’.
However, bear in mind that this valuation measurement is used on a relative basis. Valuations can be compared across markets, or compared within the same market on a historical basis.

In the case of profit taking, comparing with historical valuations is more relevant, as it is a better gauge as to whether the market is overvalued or not.

In other words, if the PE for market A is 25 times, on an absolute basis you cannot tell whether it is expensive or cheap.
However, if a comparison is made vis-à-vis other regions and we find that valuations of other regions range from 30 times to 40 times, the valuation for this market is relatively attractive.

But for the purpose of deciding whether or not to take profits, we can compare current valuations to the historical range of valuations. If historical valuations range from 10-15 times, we can say that market A is ‘currently trading at a relatively high PE in comparison to the historical range’. In such a situation, investors should consider taking profits.

https://secure.fundsupermart.com/main/resea...?articleNo=1783

https://secure.fundsupermart.com/main/resea...l?articleNo=606

Determining equity market’s attractiveness
https://www.themalaysianreserve.com/new/sto...-attractiveness