my epf fund investing in KAF core income fund returning 27% this year

This post has been edited by zebras: Dec 13 2023, 02:57 PM

Go to the event to find out? I saw kaf fund manager is in the speaker list.

Global disruptive fund feed into ARKK ETF, I wouldn’t invest in that

This post has been edited by zebras: Dec 13 2023, 05:00 PM

The most promising sectors and markets to invest in 2024

https://www.fsmone.com.my/funds/research/ar...-2024?src=funds

2024 Key Investment Themes:0.5% Sales Charge/subscription fee for selected funds & Managed Portfolio

https://www.fsmone.com.my/funds/research/ar...lecte?src=funds

https://www.theedgesingapore.com/news/compa...etail-investors

fsm is just a platform allow u to invest in PRS from fund houses like principal, rhb, AIA, etc with lower sales charge and consolidate all your investments in one platform
it don manage the fund itself

you can see their recommended fund here https://www.fsmone.com.my/funds/research/recommended-funds

This post has been edited by zebras: Jan 24 2024, 04:11 PM

Even with fee, the fee is still cheapest among Malaysia brokers

https://www.fsmone.com.my/funds/research/ar...-details/289420

I think fsmone is convenient at setting up rsp into cash account from bank account so that I don even need to deposit cash manually

Just set one time and forget it

https://www.fsmone.com.my/funds/research/ar...-details/290720

because investing in passive index etf is the easiest and brainless way to invest, there is noone to blame except the market.

there are many UT option there, not many have the knowledge to pick the performing UT












This post has been edited by zebras: Apr 16 2024, 02:45 PM

plus, u can only invest in UT with EPF monies, with 0% sales charge

open to all ideas and opportunities,
putting all egg into 1 basket may not be the best idea

- there are fixed income UT for investor with lower risk appetite that regularly giving return higher than FD
- there are opportunities out of US too, eg: Japan, Asia, India





This post has been edited by zebras: Apr 16 2024, 02:57 PM

many people are still looking at product (UT/ETF) instead of
- asset class (Equity/Fixed Income/etc)
- market (US/China/Japan/India/etc)
- sector (Tech/Semicon/etc)


personally I invest in both UT and ETF,
there are asset class/market/sector that UT normally outperform ETF, eg: Malaysia, Asia, Fixed Income

meanwhile there are market that UT hardly beat passive index ETF in long term, eg: US

thats why i was bring this out, utilise both UT and ETF for different market/sector/asset class


management fee is included into the NAV calculation and the UT returns are after deduction of management fee
utilise UT for market/sector/asset class that can outperform the index
utilise index ETF for market like US because it is very hard to outperform US index in long term



and for

EPF I-Invest and PRS tax incentive,
you can only invest in UT, unless 1 day EPF allow us to invest in US ETF, then it will be no brainer to invest into US index ETF with EPF money

This post has been edited by zebras: Apr 17 2024, 03:34 PM

guess thats the price to pay for conveniency in malaysia deposit/withdrawal

moomoo MY now giving USD account 0% interest, MYR account 2% interest

https://www.fsmone.com.my/support/frequentl...tUniqueKey=3005

u should use it to buy US equities, dip everywhere now