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> FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

T231H
post Today, 07:11 PM
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QUOTE(gu~wak_zhai @ Apr 27 2017, 05:14 PM)
Hi all, I'm newbie here, currently looking into recommended portfolios.

I noticed all recommended portfolios, aggressive to conservative, islamic or non islamic, there are no Balance or Money Market funds featured in any of the portfolios.

Why is that? Are they no good?

I'm asking because I was looking at RHB Smart Balanced Fund, seems good to me.
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the recommended portfolio are "recommended" portfolio.
There is no hard and fast rule on how a portfolio is to be constructed.
Fund Selection Considerations
The funds featured in the portfolios are mainly taken from our FSM Recommended Funds. Features of funds that differ from the Recommended Funds may have lower initial and subsequent investment amount as well as a different style which may be more beneficial for investors in current market conditions.
The portfolios are reviewed on a monthly basis for performance tracking and rebalanced on a quarterly basis or as and when there is material deviation. The periodic rebalancing is a guideline which investors can again moderate to their preference. In previous magazine, we have busted the myth that frequent rebalancing is good for investors.
https://secure.fundsupermart.com/main/resea...?articleNo=4383

if you at looking for recommended "Balanced Funds"...it is attached...



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David83
post Today, 07:14 PM
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Being billed for platform fee again! cry.gif
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WhitE LighteR
post Today, 07:32 PM
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QUOTE(David83 @ Apr 27 2017, 07:14 PM)
Being billed for platform fee again! cry.gif
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quarterly ma... no meh?
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Ramjade
post Today, 07:42 PM
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QUOTE(David83 @ Apr 27 2017, 07:14 PM)
Being billed for platform fee again! cry.gif
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Anggap donation to FSM lo. whistling.gif They jadi kaya to serve you better/hire more pretty girls.

QUOTE(WhitE LighteR @ Apr 27 2017, 07:32 PM)
quarterly ma... no meh?
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Yes they charge you every quarter according to the value. Eg you put RM1k, but it increase to RM1.1k in the 2nd month eventhough you didn't add extra, your platform fee increases also. You get charge 0.05% RM1k in the 1st month. Then get charged 0.05% RM1.1k for 2nd month. I didn't know that. I thought we will kena the charge for original amount.

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WhitE LighteR
post Today, 08:05 PM
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QUOTE(Ramjade @ Apr 27 2017, 07:42 PM)
Anggap donation to FSM lo. whistling.gif They jadi kaya to serve you better/hire more pretty girls.
Yes they charge you every quarter according to the value. Eg you put RM1k, but it increase to RM1.1k in the 2nd month eventhough you didn't add extra, your platform fee increases also. You get charge 0.05% RM1k in the 1st month. Then get charged 0.05% RM1.1k for 2nd month. I didn't know that. I thought we will kena the charge for original amount.
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erm.. i think not so dramatic

more realistic increase in bond fund value is more around 2% for example. That would make 1k become RM1020 on 2nd month and RM1040.4 on 3rd month

at 0.05% that is only 0.5 + 0.51 + 0.52 = 1.52 only

correct me if i am wrong.
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Ramjade
post Today, 08:06 PM
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QUOTE(WhitE LighteR @ Apr 27 2017, 08:05 PM)
erm.. i think not so dramatic

more realistic increase in bond fund value is more around 2% for example. That would make 1k become RM1020 on 2nd month and RM1040.4 on 3rd month

at 0.05% that is only 0.5 + 0.51 + 0.52 = 1.52 only

correct me if i am wrong.
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Well I kena. That's how I know. sad.gif cry.gif Was shocking.gif shakehead.gif But luckily only RM5.xx But still sad.gif cry.gif

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WhitE LighteR
post Today, 08:09 PM
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QUOTE(Ramjade @ Apr 27 2017, 08:06 PM)
Well I kena. That's how I know.  sad.gif  cry.gif
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The sample u use is kindda hyperbole. 1k to 1.1k denote a 10% profit in 3 month.

In any case, even if its 10% increment a month that would meant only 0.50 + 0.55 + 0.60 = RM1.65
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Ramjade
post Today, 08:11 PM
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QUOTE(WhitE LighteR @ Apr 27 2017, 08:09 PM)
The sample u use is kindda hyperbole. 1k to 1.1k denote a 10% profit in 3 month.

In any case, even if its 10% increment a month that would meant only 0.50 + 0.55 + 0.60 = RM1.65
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That was just an eg. Maybe I need to write EG big big.
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puchongite
post Today, 08:27 PM
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Trump tax plan is out. So what do you think is the impact to share market and in turn to unit trust ?
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Ramjade
post Today, 08:29 PM
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QUOTE(puchongite @ Apr 27 2017, 08:27 PM)
Trump tax plan is out. So what do you think is the impact to share market and in turn to unit trust ?
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The US stocks will run upwards some more. Asia will follow. That's what the US market wanted. But don't know what will happen to RM sad.gif

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nexona88
post Today, 08:32 PM
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QUOTE(puchongite @ Apr 27 2017, 08:27 PM)
Trump tax plan is out. So what do you think is the impact to share market and in turn to unit trust ?
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Positive impacts blush.gif

Up up all the way
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puchongite
post Today, 08:40 PM
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QUOTE(Ramjade @ Apr 27 2017, 08:29 PM)
The US stocks will run upwards some more. Asia will follow. That's what the US market wanted. But don't know what will happen to RM  sad.gif
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There are views that the US small cap will benefit more. Most of us are invested in tech or big caps ....RHB GS US equity anyone has it ?
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Ramjade
post Today, 08:46 PM
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QUOTE(puchongite @ Apr 27 2017, 08:40 PM)
There are views that the US small cap will benefit more. Most of us are invested in tech or big caps ....RHB GS US equity anyone has it ?
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Eh wait. Not sure if there will be selldown of asia stocks some more or not. Because now US companies are deemed "more profitable"
Tax cut will cause US market to rally. Big or small caps.
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puchongite
post Today, 08:53 PM
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QUOTE(Ramjade @ Apr 27 2017, 08:46 PM)
Eh wait. Not sure if there will be selldown of asia stocks some more or not. Because now US companies are deemed "more profitable"
Tax cut will cause US market to rally. Big or small caps.
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And we are at the lowest USDMyr rate and so the gain may not be as much as we wish for.


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