Chill, I also aim 6 - 10% IRR only since I plan to invest in long term, it is hard to maintain 2digits IRR for long term for sure

But the fact is, FSM managed portfolio team is doing good so far

Mind to share on your current portfolio?

12 if i am not mistaken with 30% in fixed income and 70% in equity

best way is u split half of your 50k , 25k to FSM, 25k to her

then compare the performance after 3 years later?

the main purpose to invest in FSM is u can learn to invest, lots of sifu here (or FSM customer service) can give u advice

of your 25k investment in FSM , u can try 10k to FSM managed portfolio as well

come on bro , 8.8% IRR in 4 years actually is quite good already, IRR % and year is definitely the key ,

(1) 8% IRR in 4 years
(2) 12% IRR in 1 years

which one you choose?

i am definitely choosing the first one

just want to say , if you want to get rich in short period , go for bitcoin , unit trust definitely not ideal investment tools for you

passed the exam and officially a unit trust advisor now , should I switch all my money @ FSM to my company? (not public mutual) .

anyone encountered this situation before? sell off my cash management fund on wed (3/1/2018), settlement date on today (5/1/2018) but i yet to receive the money from FSM . live chat with them around 4 pm , CS said the pay date is today and ask me wait until after 5 , but now oredi 9 pm ...

T + 2 then should be today? hmmm

i sold on tuesday after 3 pm , so transaction day is wed , Wed + 2 days = friday

sadly i just switched all my AFSBF to KGF with 1.75% charge last friday, no 0.5% for me , and meanwhile i also sell my managed portfolio and all in to my company greater china fund (i am agent) , currently FSM only left DIY which also 100% equity now , Huat ah all !!

invested in FSM before i became agent hahaha , just switched my 10k CMF into it last 2 weeks , and now going to switch all the money from managed portfolio as well , left DIY .

wow for that affin hwang - china growth fund actually need 30k for initial investment , but i believe actually many other funds which invest in china region are performing better , although 18% return is pretty good .

FSM Managed Portfolio (Moderately Aggresive)
Bought: 13.06.2017 , RM10,000
Sold: 23.01.2018

Get Back RM10698.91 Today (Around 7% Return In 7 Months, Pretty Good)

am i the only one that do nothing on this drop?

just give the fund 2-3 years time and perform DCA , don't drop little bit then switch here and there, seriously what for? hmm...

I agree to top up on this time, but not switching around (unless from FI to equity)

if u continue to do this , u will eventually not achieve your targeted return . mark my words .

(1) you said UT is for long term , from fund prospectus, long term is 3 - 5 years , do you hold the fund for 3-5 years? look at the funds suggested by FSM. most of the fund have more than 10% annualized return (3 - 5 years). If you cant achieve 10% annualized return , just stop switching and let the fund manager to do their job.

(2) when india fund up 8% in 5 months you dun wan to take the profit, but when the fund -2 u going to switch out . what logic is this?

good luck buddy.

some profit? hmm wondering why only "some profit", i just search KGF,

2014 = 9.31
2015 = 20.91
2016 = -0.05
2017 = 25.83
2018 YTD = -9.16

Total: 46.84%

mind explain to us what's the way u invest? DCA ? VCA ? Lump Sum?

Don't Be Panic Guys. You Will Feel Much Comfortable After Reading This, Perhaps.

Portfolio @ FSM (Since 05.06.2017)
ROI = -5.44% IRR = -9.44%

Comment: Most Likely Wont Top Up Anymore In FSM Because Now I Am Agent At One Of The Unit Trust Company.

Portfolio @ My Company (Since 03.01.2018)

ROI = -9.65%

Comment: DCA Monthly RM500

Portfolio @ Another Agent (Since 25.11.2013)

ROI = 0.3% IRR = 0.14%

Comment: Dad DCA Monthly RM100

Notes:

I Am Only 24 & Start Working Last Year @ June. The Total Amount Of My 3 Portfolio Is Around 85% Of My Total Saving (Which i Started To Earn & Save Many Years Ago). The Amount Is Roughly (25-30X of Fresh Graduate Monthly Salary). Do The Simple Math & You Will Know How Much Is That. I Believe The Amount Is Insignificant For Most Of Investors Here But I Believe The Amount Is Very HUGE For Fresh Graduate Especially Like Me. The Point Here Is I Never Feel Panic/Stress/Whatever During This Dip Because I Believe Unit Trust & It Is Long Term Investment Tools.

Don't Sell Your Fund If It Has Steady Return during Past 3 5 10 Years. Just Let The Fund Manager Do Their Job.

Some of My Customer Who Invested With Me Are All - 10% ++ But They Are Still DCA Monthly Because I Educate Them When I Do The Sales. So To All Newbie Out There, If You Can't Hold The Fund For At Least 3 Years, Please Think Again Whether Unit Trust Investment Suit You?


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if u got do the homework , most of the GOOD fund have more than 6% Annualized return for the timeframe 3 5 years. but i still suggest you that dun lump sum in one fund. what i meant is, u can lump sum but in different fund which invest in different area.

for example , if u now want to lump sump 100k, maybe u can consider 5 funds and invest 20k ea

malaysia, reit, greater china , asia pacific & (single country fund? india? sg?) depends on your choice. this is my opinion and i believe many sifu here can give u other kind of advice