A countries currency strength purely on absolute amount cannot be solely used as a benchmark to measure the wealth of the country.

there are other factors. our inflation vs other countries inflation, salary growth, interest rate, etc... these factors are also interlinked with currency strength. i'm not well-verse in macroeconomics, but it's really not as simple as that.

Having say that, i echo Avangelice on the bad governance. And also of course, the weakening of RM in a short period of time is a concern we should not ignore but nothing as simple la.

FD interest 4%.

Inflation, officially reported at 3%... Real inflation...?

To have a comfortable amount at retirement, i need to beat inflation. Hence, invest.

You do have 3 years from the date you sign your snp.

Even then, I assume you are not cash buyer, you can still withdraw from your epf to offset your housing loan.

A picture says a thousand words.



Then again. the past is in the past.
1) They now have a reputable fund manager managing these 2 funds. Previously from RHB Asset Management.
2) No sales charge if you buy via FSM.
3) Annual Management Charge is 1.0% only. Expense Ratio at 0.31%. In contrast, KGF expense ratio is at 1.7%.

Add-on: i tried looking for the article regarding interpac funds, written by FSM, but couldn't. Those who really want to meet the Fund Manager or have heavily invested in InterPac should go for the talk on saturday, to meet the Man, Mr Lim from InterPac.

i was looking for this article, couldnt find it. thanks

It can be quite overwhelming. There are quite mamy funds to screen through. If you ask me, i'm quite lazy hence I started off with fsm recommended funds. It's a good place to start. Coupled with some useful/genuine feedbacks from some forummer here, when I started off 3 years ago.

But sometimes the monthly promo by fsm can be a distraction, sometimes a good bet.

do not simply suggest RHB Gold & General fund to newbies. At some point, higher risk does not equal higher return.

Equity-based to commodity related unit trust funds is not exactly comparable.

Personal opinion of this fund, I think KGF is a better fund, at least can sleep better at night.

You can compare these 2 funds and see which you prefer. EI my focus might give better return but should be higher volatility. Both funds are similar in that they can invest small and big caps equity.

Chill. i do agree polarbearz excel is a bit complicated for normal use.

I believe you can suggest this to FSM. But don't expect instantaneous solution. i can understand it is not something that easy to build, given that we will all have too many transactions, funds, and etc.

I myself only used something similar to pinky's spreadsheets but that's cause i know what i'm doing. Start with noting when you buy/sell the funds, price, units. Have the data saved and ready before you go to putting it in the excel, might be safer, avoid excel freeze and die over.

In fact, based on the latest annual report, there's exactly 23 investors for Dana Safi and 47 investors for Dynamic Equity Fund. And the highest one, FSM. I'm not advocating this fund but us investing via FSM, should remember we are still just nominee account. probably there are few hundred investors out there investing in these 2 funds, but under FSM, hence the numbers are not reflected in the annual report.

and to reply another post of yours. note that interpac has a new fund manager who joined not too long ago. then FSM only started promoting few months back. Once FSM promotes, i believe given their customer base, even just everyone take 1k for the initial, it will be a big amount of money. whether you really believe in the fund, fund manager/strategy, that's for you to decide la.

You can check the annual report.

This post has been edited by adele123: Jul 13 2017, 08:07 AM

then ah, you need to ask FSM wo. I don't think they will disclose this information.

My guess is, in a way, yes, because i believe in the 80-20 rule. it's normal, like many things in this world. but given FSM customer base size, it should be able to spread that 80 to more investors than we think there are. Else, how would the 2 funds be top volume for the last few months

If you want to invest, the solution is obvious

While I advocate not flaming, sometimes cant help it cause how idiotic some replies can be. So I want to reply to you.

While many here share on how bonds stablises the portfolio, also mean that it lowers your potential return. Lower risk, lower return, a fair trade off. But doesnt mean you really have to invest in bond fund. As long as you understand the risk, you can ignore those who say, oh, divide between equity and bond. Nobody knows which combination is better. But make informed decisions on the risk involved. Nobody knows if it is a right choice. Take with a pinch of salt of the comments here.

Actually some companies are abit slow with the fund fact sheet. I usually look up at the actual fund house website for the latest ffs, if fsm isn't quite updated. I believe cimb website should still be more updated compared to Bloomberg.

Like I said, the companies are slow in updating.

The fund fact sheets are monthly. So they didn't upload the August version yet. Since you really want to know where your money goes, you should look for target fund, for more information.

i have been invested for 3 years... and last 1 month have been too busy to monitor and you guys complaining, dropped ah, lou sai ah...

it went up quite a bit since i last monitored, so to me, more like it's still high just not as high...

take it easy. dont look, enjoy your weekend.

Why the sudden sway towards eastspring dinasti? Why not other china/asia funds?

This fund was barely mentioned last time...

Edit: seems like eastspring dinasti performs better than cimb greater china.

I don't have china funds, don't plan to add. But good luck


This post has been edited by adele123: Jan 2 2018, 08:06 PM

I think our Sarawak friend cancelled his policy with the agent and bought from FSM.

Fsm refund certain part of the commission they receive, back to you. So, of course buying from FSM is more beneficial, monetary wise.

I would say at this moment, only term life insurance is offered directly from insurance company. Purchasing that will not provide comprehensive insurance coverage. The industry is still far from providing the necessary coverage via online or directly. So don't wait.

Every year, also say attendee only. Every year, those sitting at home also get... BUT previous years, is NOT 0%.

I'm very curious now.

last year and last last year, seat home.

FSM already set the timer, as long as you login, the sales charge is already changed, for alllllllll

I can't remember exactly but I think they always ask you to attend. Then offer the discounted sales charge. The implication was always, attend, and you will get.

But previous years were discount, this year is 0%, really not the same. Maybe this year only attendees.

But I can't attend this year, have to go back hometown. Really bad timing