That's true. However I can also show how to do all these from your own living room. No need to go SG also. However keep in mind returns of 10% in Malaysia is not the same as returns as 10% in SG.

Also, let's push it further shall we?

Source: https://forum.lowyat.net/index.php?showtopi...post&p=84336206

This post has been edited by Ramjade: Apr 17 2017, 08:09 PM

Different strategy. Public Mutual focus on dividend only but it sucks. But then again, after reading all of dasecret post bashing PM, I think they all sucks. Only know how to suck money to make shareholders of Public Bank richer

Sure no problem. I gave this homework to xuzen. Not sure if he did his homework. You can do this homework too if you really want to invest in SG.
https://forum.lowyat.net/index.php?showtopi...post&p=84349022

The above method does not even need you to step into Singapore.

Keep in mind that for every SGD10k you transfer using TT, you will lose min SGD100 vs going down yourself (using train/flight/bus + eating local mix rice at SGD2/meal or eat bread and drink water) and deposit SGD10k yourself. Some people can spend so much for foreign holidays but cannot spend small amount to topup money? Only once a year affair.

This post has been edited by Ramjade: Apr 17 2017, 09:29 PM

Eastspring smallcap.

Normal what. DT fail in the healthcare bill, went and bomb syria, afgan, send a aircraft carrier to korea. All causes uncertainties and those investors start panicking.

For sg or my?

For MY
- KGF
- Eastspring smallcap
(to test which give the best return)
- Cimb Asia Pacific
- Affin Hwang Quantum
(to test which give the best return)
- Manulife AP reits
- Amasia reits
(to test which give the best return)
- Manulife India
- TA Global Tech
- United Asian HY Bond Fund
United Asian HY Bond Fund volatility 5.95
Schroder Asian Income fund (mother fund of RHB Asian Income Fund) volatility 5.59
Slight difference but more consistent result with United. I am using FSM SG data here as no data for this fund exist in malaysia

Keep in mind this was set up long before I opened my SG account and was meant to be consolidate 2 funds into 1 funds. Wanted to buy this united fund but too expensive in Malaysia and cheaper in SG at only SGD1k vs RM10k but at that time scared cannot get the opportunity to buy in SG so buy in Malaysia first.

Original plan:
1) After 3 years cut down no of funds to 6 from 9 or maybe make it to 5 cutting out Malaysia totally

New plan:
1) Slowly shift the funds over to SG

Will post up my planned portfolio in FSM SG thread. Make it more lively and less OT

Never forget that US is the largest economy of the world and China is no 2. What US do affects the world. Yes Asia is growth engine but keep in mind if US keep rising interest, asian debts are going to be in big trouble. (you can google this)

This post has been edited by Ramjade: Apr 17 2017, 11:05 PM

Already have it. Never have a bond in my portfolio until I took a look at united. That time was tempted between Affin Hwang Select Bond/RHB ATRF/RHB EM. Cannot decide as those 2 RHB bonds are usually dependant on USD/MYR. The volatility of those 2 funds my goodness

Then did a few digging back into FSM SG thread and saw this united fund being recommend. Decide to research it by comparing between
United Asian HY Bond
United Asian Bond (mother fund of RHB ATRF)
United Emerging Markets Bond Fund (mother fund of RHB EM)

Where can you find bond fund which give you annualised 3 years return of 13.16% at volatility 5.95. It's closest competitor was United Asian Bond at 7.38 % and volatility of 5.62. When you compare it in terms of 1 year, 2 years, 3 years United Asian HY Bond beats United Asian Bond hands down.

Keep in mind that the same fund may perform better over Malaysia side vs SG side.

This post has been edited by Ramjade: Apr 17 2017, 11:33 PM

Are you in a hurry to switch? If no then use that way. If yes, then just switch it.

Of course RM la. Mana ada duit to buy SGD/USD10k worth of fund
Of course if you buy the same fund directly from SG, it's only SGD1k vs RM10k in Malaysia.

No. All the MY funds I listed I have. Just haven't sell as I said they haven't meet my personal profit level to sell. I only choose SG for few reasons:
(i) potential to earn more returns
(ii) higher selection of funds
(iii) cheaper cost for me to buy/switch at will

This post has been edited by Ramjade: Apr 18 2017, 12:21 AM

I bought amasia reit first (about 3 months before manulife) based on everybody's recommendation. From that time until purchase of Manulife AP reits, it's basically stagnant. Hardly move.
Decide to buy equal amount of Manulife and see for comparison. Upon buying Manulife, can see substantial difference. Macam ada oomph

IMO it's still a useless fund. It haven't proven me yet that it's a good fund Initial plan keep for 1 year and see. Kasi chance.

I have already entered SG market just not SG UT with the remaining FD money (it was originally meant to be injected into Amanah Saham which got diverted to FSM MY which didn't get to see it being used to buy any funds aka sitting in egia)

If it never reach, just keep la. I still need some stuff in Malaysia (min amount). No point changing when you are not ready to move. It will reach as it's quite close. Just need the removal of safety regulations, passing of spending bill by Donald Trump and it will spark another bull run which is my cue to tarik my money out of FSM MY.

For Malaysia part, most likely keep as Affin Hwang Select Bond Fund provided eUT MY can give me 0% service charge as they don't sell United.

This post has been edited by Ramjade: Apr 18 2017, 12:41 AM

Speaking of free service charge, whoever who have >RM5k can sell your Affin Select Bond Fund on FSM and buy from eUT. They have mega sales promo now
Valid until 31/5/2017
https://www.eunittrust.com.my/fundInfo/promotions.asp

0% service charge, 0% platform fees.

Nope. Tak da. Never had it. But will open to park Affin Hwang Select Bond Fund there. If only they have united...

Because give chance. You never know amasia may suddely shine like KGF and eastspring smallcap. Few months (-) return. All of a sudden 10% returns.

This post has been edited by Ramjade: Apr 18 2017, 12:50 AM

Some people here pay over RM200 for platform fees (posted here before as that person have over RM100k in Affin Select Bond Fund). If your holdings is small, maybe not worth it. If like that guy at over RM100k, then worth it. RM200/year = RM1k in 5 years.

Many people don't realise that small wasteful stuff such as yearly platform fees will reduce total returns over the years. Whether you buy or not, you are force to pay platform fees. A dollar save = a dollar gain for investment.

For me it's more of principle. If someone can give you the same stuff at a better price, why bother about the other person who is trying to jack up the price? Yes price is small. Eg why buy not buy from banks than buy from FSM. Banks charge you 5.5% what. FSM only 1.75%. Let the bank earn your money. They will be happy to serve you better. But money is still money. All is fair in love and war. For me, money first, banking relationship/brand loyalty last.

If people tell you that cost does not matter, take a look at this article.
https://personal.vanguard.com/us/insights/i...ruth-about-cost

Please don't talk about platform fees antmore. People here very sensitive towards platform fees you know. People here love paying their platform fees.

This post has been edited by Ramjade: Apr 18 2017, 01:36 AM

Thanks. Finally someone who appreciate what I write.

He does not have it. My guess is he will say stay with selina/affin hwang select bond fund. Jgn pandai2 beli high risk fund.

Yes that's true. But now that ringgit is "pegged" against the USD I don't a repeat of performance.

But if you look at that united fund performance purely from SGD point of view (our only info) for 3 years, that performance is impresaive.

yklooi happens at my place. Tesco is there. All shoplots building also there. All office people park their car at tesco sheltered car park. If park outside in hot sun, kena put 50c coupon/hour. If one works from 9-5, 8hrs x 50c = RM4/day x 20 days = RM80 gone.

The question is do you want to save RM80/month and park under the shade or park outside in the hot sun? Is RM80/month a moral issue when your whole office people park in tesco, and there are still plenty of parking space for shoppers? (this is a true story - all office people park in tesco but the tesco at my place still have lots of space). Anyway I can cut cost, I will take it. RM80 save = RM960/year. That 50c doesn't look so small anymore is it

Let me give you another eg. If you have to IBG 10 people a month, what do you do? Do it and pay RM1.10?
RM1.10 x 12 = RM13.20

Or you just IBG once to a bank account which give free IBG and IBFT and pay only RM0.11/month. Total for the year RM1.32. RM0.11 doesn't look so small anymore right?

Total savings = 90%

Anyway ini sudah OT.

Of course it's high risk. It invest in junk bonds. Bonds with high return rate in exchange for maybe it can default. The higher the return of the bond, the more likely it's going to default. However based on FSM SG screening, it's among the low volatility high yield bond fund which makes it a good buy.

That's why it's categorize as wholesale funds. In SG it's not. Everyone can buy. Maybe because their financial literacy is higher than ours?

This post has been edited by Ramjade: Apr 18 2017, 09:01 AM

One month only. Kasi time.

It's wholesale fund in malaysia. Just accept FSM TnC before they let you buy. Wholesale in malaysia means for hnwi. You don't need to hnwi if you want to buy. Just agreee only.
It's open to everyone in SG. Anyone in SG can buy the fund at SGD1k. No need to agreee to any TnC. Read carefully

Don't buy because I said it's a good fund. For you know I can be con man.

Just discuss here. It's still UT. Just different platform only what. Who want to buy from eUT, let them buy lo. Who wants to buy from FSM buy from FSM. No one is holding a gun to yohr head saying must buy from only FSM/eUT.

This post has been edited by Ramjade: Apr 18 2017, 09:33 AM

What's there to talk about eUT? 0% platform fees/ 0% service charge? Do you see me talking about eUT? We are talking about funds here. In case you didn't notice, aoisky was asking about united and SG funds. So I answered him everything I know. You can't buy something without data. Actually you can. But since the only info available is SG you cannot avoid it. That's why I said stop talking about platform fees. People here are sensitive towards platform fees.

I move all SG post to FSM SG.

Investing and trading 2 different class. UT is UT. Whether you buy from banks/FSM/eUT sama sahaja.

I already expected volatility to be higher because depreciation of RM. However keeping in mind that depreciation of RM will be more or less linear drop (depending on how steep it is ) and there is basically zero chance for ringgit to appreciate so at that time I wasn't even sure I can get a SG account or not, best choice would be take the plunge. When you have no info from Malaysia side, you need to get info from somewhere.
A 20% return with 8.xx volatility is good buy IMO.

This post has been edited by Ramjade: Apr 18 2017, 10:01 AM

You have no idea do you?
If I kasi homework to xuzen and others what makes you think I won't be dabbing in SG UT/stocks? It took me 6 months long of planning and research.
Now is to repay people by teaching others as someone taught me before this. I kasi tunjuk jalan ke pintu untuk make more money. You don't want to take it, no one is forcing you. Those who think I am conman, so be it. Those who can analyse Pintu sudah di depan muka you.

Yes I am no master/god but let me rephrase what a sifu once told me back when SGD was at 2.7x. I was given a choice to invest in Malaysia or Singapore. I choose Singapore and work my way around the world. That makes all the differences today if I were limit myself to Malaysia.

For newbies. Stay with FSM MY until you are comfortable to go overseas. UT all over the world is the same. Once you get the basics, sama sahaja. Nak pergi HK/US/SG/AU sama sahaja. That's my advise.

Don't worry. I log in everyday to see. Just for fun.