Thats how usually portfolio account works.

If not, cant achieve consistent projected returns ..

Be confident with what you have bought. Ask yourself whu did you buy it in the first place.

Amasia fund manager lousy.
Wonder if it can even reached 5% in a year...

His wrap account have high plarform fees. So on top of service charge, kena charge platform fees some more.  I think in the range of 1%+. The more money he have inside, the more FSM says thanks to him.

Do you switch alot?

Like Ramjade mentioned....there is tis 1% pa to consider abt....
Btw...fsm do have credit point system.....isn't that enough for not frequent moving around?

all port red today wow wow

Aiya it's one of those , talk so much , investors get scared , ports get red, 1 week later nothing happen and then turn green again.

bad start of the week, most of my holdings suddenly drop and changed to red color

he-he....
he could have just meant......
when a fund at profit of 10%.....he made RM1000
now the fund nav had dropped 3.3% (now profit is 6.7%) thus he just made RM 670
thus paper profits dropped 33% ......    

If you look at the income distribution history, it's very likely it is the quarterly income distribution that resulted in the reduction in NAV per unit although it's not listed in the announcement. Wait and see la

I just got a very simple thinking....(maybe too simple for comfort to many people)
Let says, I just figured out that I just needed a 10% pa ROI to tie me for 20 yrs....

that 10% is current value

I don't mind digging into the capital when that port's ROI did not hit 10% for that year
if the ROI for that year is 13%....3 % will be reinvested
and I don't mind not having leave anything for my family after 20 yrs.


will digging into the capital to get this 10% deplete the capital before 20 yrs?
will inflation eat me alive before 20 yrs?

I don't have calculator for the above questions....
any one mind to provide some tips?

example,....
current value is RM 4k per month = 1 year RM 50k
thus capital required is RM 500k
this capital needs to generate 10% pa.

that 10% is current value

I don't mind digging into the capital when that port's ROI did not hit 10% for that year
if the ROI for that year is 13%....3 % will be reinvested
and I don't mind not having leave anything for my family after 20 yrs.

can tis work?
else what is the "better' % to target?

coincidentally....
today's article...
ACCORDING to the Employees Provident Fund (EPF), more than three-quarters of Malaysians do not have enough to live comfortably when they retire.
https://www.msn.com/en-my/money/personalfin...ocid=spartanntp

You are assuming that all the bumi who are entitled to buy ASB has a significant sum in ASB

http://www.asnb.com.my/v3_/pdf/produk/ASB/2016_AR-ASB.pdf
Actually out of 9.1 million account holders, 6.7 million account holder which makes up of 73% of the total account holders have <RM5k balance in ASB

with the living standard and cost of living....just how many % of their salary can this majority contribute "by cash" to ASB?

with the living standard and cost of living....just how many % of their salary can this majority contribute "by cash" to ASB?

Why ASB could perform better than epf ?

Did they overpay ? How could it be sustainable if they over pay every year ?

Or EPF just less skillful in investment ?