Maybe they chasing sales. February FSM has a buy call (fund choice) with 1% SC. Maybe not enough. So they say soft close. Then the fund size suddenly ballooned from 309m on 28/02 to 484m on 27/2 (including the addition before announcement). Actually to the fund house, what is the difference between 300m and 500m and 500b? It is only a number, and regardless if the fund is bringing profit to the investors, the fund house makes money...so I don't really get it. Shouldn't the fund manager, regardless of how much money he is holding, diligently put them into his allocated portfolio for that particular fund? Or is it that when he gets new money coming in but on days he sit at home not doing anything and wait for the uninvested cash piling up?

come i help you tag Tai ko Xuzen

why no love for Ponzi 2.0?

for cimb greater China, if you can stomach its volality I would say go for it but do note how ever that Ponzi 2.0 has an allocation into China.

no more than 10% allocation please. similar to India.

also difference with Ponzi 1.0 and Ponzi 2.0 is that 1.0 has a bigger allocation into malaysia so essentially it's Ponzi 2.0+KGF so you aren't missing out much after its closure if you hace and allocation in Malaysia.

Regards.

RHB Growth Opportunities Fund in terms of risk-reward ratio = Super suxs, Go Holland, lau-sai. I boh hiu this UTF.

Stick with Ponzi Two for a good night sleep.

Xuzen.

p/s Now, you guys will say, what the F3ck! Why this Xuzen so boring wan? His recommended UTF so limited only. Why ar? Because:

I am here to make money, not play Pokémon Go: Gotta catch em' all!

No problem. But I rather be cautious than careless.

Yes I have both. But I am planning to migrate my FSM MY to POEMS SG. Of course it's much more cost saving. 0% service charge + 0% platform fees + 0% switching fees, what more can you ask   

Note:
I haven't buy anything from POEMS SG yet but I have already drafted out what to buy and my allocation for it. Reason for not buying yet:
1) FSM MY profit haven't reach my desired level. So I have't sell anything yet. Yes I am greedy.
2) No money to buy as my money is used to buy Singapore counters (need to generate some SGD). Will only use money allocated for FSM MY to buy using POEMS SG
3) Everything seems so expensive now.
4) My allocation will be based on this http://www.turtleinvestor.net/asset-allocation/ with some slight modification which include JP small caps, no reits for me as I am holding S-reits myself.

Strategy
1) Sell off FSM MY once personal target is reach one fund at a time.
2) Keep money in Maybank eGIA-i/Amanah saham (they have online system now so can park money there instead of driving to the bank) until SGD exchange is favorable. Withdraw for exchange. Unless real crisis happen then will just TT my money over.
3) Make my x annual trip to SG with max money allowed to bring and deposit in CDM.
4) I can park the money in bond fund first and switch to any of equity fund that I want to buy as switching is FOC.
5) Buy using data from FSM SG. Yes I admit their interface + data is the best compare to POEMS SG/Dollardex.

A very good argument about whether a SG UT can yield more money vs MY UT using same amount of money.
https://forum.lowyat.net/index.php?showtopi...post&p=84336206
https://forum.lowyat.net/index.php?showtopi...post&p=84356440
I support Airbnb as they make it cheaper for people to travel. Something which the hotels don't like. Well it's my money. If someone can give me a better deal than hotel I will take it. If they can even offer better deal than Airbnb so be it 
Well FSM was good. I believed they are the one which cause the likes of Dollardex/POEMS to appear? If you can't keep up with competition, you will fade away even if you are the pioneer. That's how capitalist work.

As long as they have customers like Auntie, FSM SG won't die 

Nah. That won't share. Nobody may want to kidnap him but people might be interested in his grandparents/siblings, future wife/kids especially if someone keep track of that person and decide to launch a kidnap once they are on vacation. One can never be too safe with so many foreigners + syndicates operating in Malaysia.

How do you think people's house get broken into? One of the reason they went and post it all online saying they are going away on holiday for x days  People post it on forums/blogs/FB/instagram.

I think I will going into Affin Hwang Select Bond Funds as it is quite tedious to keep chase after FD when the maturity date reach. Thanks for your recommendation!
Yes, RHB Emerging = RHB Emerging Market Bond Fund. I didn't realize there are two RHB emerging funds.

Can I know your reason on adding Ta Global Tech to a total of 23%?

Another questions that I would like to ask you that, both KGF and Ponzi 1.0 just acquired a few weeks ago, so the return now is still negative, is it a good practice to change now? And follow the recommendations that you suggest me? Thanks for your reply!

Anyone knows What happened to Selina actually?

I'm only 21 tai lou. I want to test see which investment instruments fit me. I'm studying full-time so got no time to check my portfolio

theoretically have to include ALL funds.....BUT it has to depends on the % in it and duration placed. both got impact to the results

So the prediction is TAGTF is on downward trend?

My dear big brothers, don't fight...So late liao.
Put the blame on me, I should have read more instead of keep asking around.
Something that I read tonight:

". When you are accumulating a corpus, sequence of equity returns can be handled with disciple and prudence. Minimizing volatility of returns requires a little bit of know-how in addition to discipline.

Powers of compounding illustrations never mention anything about volatility! Presence of volatility implies that when returns exceed expectation some portion of it must be shifted to less volatile debt instruments. This safeguards the fruit of compounding since what goes up will come down. On the other hand what goes down will go up. So when returns turn negative we need the disciple to shift funds from debt instruments into equity. This enhances returns when they turn positive. Such periodic shifting of funds from equity to debt and vice versa is known as rebalancing. It is a process by which volatility is contained. "
https://freefincal.com/the-what-why-how-and...lators-to-boot/
Sorry to other forumers and good night my big brothers!!

This just struck my mind.

I wonder what age groups are the current FSM investors in this forum? Can we create a poll like this?
A. 21-30yo (the Gen Z)
B. 31-40yo (the Gen Y)
C. 41-50yo
D. 51-60yo

If you are a 11-20yo millennial and already saving up and investing, Kudos to you.
It's just interesting to know what age groups do the people like Xuzen, Ramjade and Avangelice belong to. So that you can compare this to yourself at your current age and get a grasp at whether you are ahead or behind your peers.
Much like comparing the performance of a UTF to another of the same market segment.

What do you all think?

Come come. Let me burst your bubble. 12%+ since Sept 2016 I don't believe in DCA. I buy on dips.

Satisfied with all my funds.
Not satisfied with amasia. Liquidate all of that and will switch to cimb greater china while waiting for SGD to drop again.

Im in group A. i have around 200k now invested in FSM  just started a few months ago which is dumped in as lumped sum. will start DCA about 5-6k a month. hopefully with the power of compound interest will be able to reach my financial goals by the time im 40.

ya i m aware of that too, since i had paid the service charge for 5.5% initially, and the agent is my very close relative.. and I manage to turn lose to profit this years after I actively manage the fund since end of 2016(was negative 5% , currently around positive 3%) not a bad yield too.. so i will keep it 1st, but I dont think i will further invest in PM anymore