Chill la. I express my views. Those who listen and think the 0.2% is significant (like me) need to do planning.
Those who are happy to pay the 0.2%, just continue paying lo.
You only have unitl 2021. After that should the gov decide not to extend the benefits, no point pumping into PRS already. 

Hi Sifus,

I still don't understand:

Let's say I invested RM1000 in a fund and now I have a 6% return. So to 'earn' that return I have to sell some of the units right?

That means my unit has now decreased (assuming no top up). So what will happen next month? With lesser units in hand, will I still see profits? Or what should I do?

Isn't this like stock market?

Yeah, I never do fundmarket also, but i am constantly looking at it.
Probably will do it soon.

The only difference with stock market is there is a maturity date of 3 mths minimum ( not sure if got like 1 week or something?)

Thats like placing my money to fund managers to invest for me. is kind of convenient when I have no time tracking everyday

here's an example.

I suck at finding charts from Google so I had the off day to do this.

[attachmentid=8604980]

what am I saying now the "window" of performance you give it maybe the time it is underperforming but if you look at the long term chart the fund is actually doing alright. that's why we do not look short term but rather long term. I'm not in the finance industry but having a long hindsight helps.

55555 not sure if that was a compliment or a patronizing subtle insult. either way thank you!

I'll give it a try when I get home tonight...office using free version of excel cannot use macro
Problem with someone is, I have already purposely highlighted that I did follow the instructions, yet he/she still assumes I didn't. Is it that he conveniently skipped the underlined part, or is it just ghost-cover-eye (a Chinese saying). These are the people who just want to make other's life harder. Or simply for the sake of adding reply without substance, just like most of these financial commentaries people taking cock, yet cannot choose sides. 

If timing the market is your style, stock picking is the way to go.
Otherwise, just stay invested in UT with a systemic portfolio allocation according to your risk appetite and investment horizon.
Or you can do both if you have the time, energy and resources.

Stock picking is like picking the best trees that you THINK would give you the best bang for your buck.  It can be a durian, coconut, palm tree or mixture of all these.  However, you as a responsible investor, have to analyse the soils, leaves, branches and anticipate the weather to decide on which are the quality trees which can give you the best return in such weather. 
On the other hand, investing in Unit Trust is akin to picking a sector or plantation to bet on.  If your money is on durian, you will pay the fund manager to pick the best durian trees in the sector or plantation based on geographical area of coverage.  It's for lazy irresponsible people who want to take less risk and willing to accept less return than stock picking.

Thanks for reading.  Ultimately, all the above are just talk-cock ideas.

Haha!

I told the couple (Elaine and Damian) that I am setting a budget for the ring and they can meet my expectations around that. she agrees that a valuable time piece shouldn't cost an arm or a leg and customizing one is better at representing the love shared amongst two person rather than going to Habib Jewels to buy one over priced jewelry that you are pressured to buy esp as a man. also they are international recognized so I'm proud of advertising them to everyone.

need to get rid of the notion if I spend alot of money on a ring it will represent my love. anyways let's not turn this tread into cupid. I'm always open to conversations via PM.

Ex date was just 28 Mar....

It actually went down, 0.03 % after factor the distribution.

there were some 2 pages of discussion from page 147....31 Mar

OT a bit

Decided to go update my portfolio in the excel sheet for IRR since i last did it early last year. I don't know if it's something I've done wrong or what. I've followed all the instructions strictly and yet it seems that I can only add rows without messing the whole sheet up if I ungroup all cells before doing so. Anyone care to shine a light here? Using Office 2007 (if that matters)

This issue was brought up a couple of weeks ago, but I still can't get it done without first ungrouping all cells. Shouldn't the groups automatically expand itself when we add rows? Hmmm...

Credits and many thanks to Pinky and polarbearz for the sheets though!

wah lao. you guys think this thread is spoon feeding thread ar. ask what to buy straight people give you answer. like that sure die lor when you dont make money, come here kao peh si boh say unit trust is a scam

Pink Spider (something he would say)

Wah bro chill man. No need for that air of arrogance here. If you think they asking questions they should not be asking, you can choose not to reply. I am sure there will be others to help them. You were once new too, not very long ago. 

Not very healthy for the atmosphere if we have too many mang zhang people here   

Hell yes. Fund name not important. What's important is that  fund manager. Let me quote a phrase I read from one of SG blogger.
"A reit with good manager with bad properties is better than a reit with bad manager and good properties. This is because a good manager can turn things around."

This applies to UT as well. A good manager makes all the difference. Don't believe me? See public mutual funds vs KGF.