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

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Ramjade
post Apr 24 2017, 09:36 PM

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QUOTE(MUM @ Apr 24 2017, 09:33 PM)
there are...
New PRS Investor/Existing PRS Investor via Other Banks/Agents
Existing PRS Investor via FSM

https://www.fundsupermart.com.my/main/prs/prsForms.tpl
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I really confuse what other forms are required (I don't have any PPA no/PRS account yet) doh.gif rclxub.gif
Which form some more which I must give them?

This post has been edited by Ramjade: Apr 24 2017, 09:37 PM
Ramjade
post Apr 24 2017, 09:53 PM

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QUOTE(MUM @ Apr 24 2017, 09:49 PM)
found this PPA a/c opening forms.....
https://www.fundsupermart.com.my/main/buyse...ms/PPA_Form.pdf

maybe/looks like they (FHs) have combined and used the word..."Joint Account Opening form"

no sure...best is call FSM CS....

btw,..do take note of this....
Q:
Can I purchase PRS funds via Personal and Beneficiary account?

A:
PRS is only applicable to Personal Account only.

https://www.fundsupermart.com.my/main/faq/1...eme-PRS--8865#6
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Totally miss that.
Ramjade
post Apr 25 2017, 12:23 PM

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QUOTE(T231H @ Apr 25 2017, 12:13 PM)
To some it is a welcome relief of investing....
To some it will takes the thrill out of investing...

where do you stand?

Rise of the robot fund manager

http://www.bangkokpost.com/business/teleco...ot-fund-manager
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This one old news already. If you look at FSM SG thread SG going to have smartly, stashaway (robo investors who will use ETF to build/rebalance/maintain the portfolio for you)Too bad we will never get those robo investment in malaysia sad.gif
Ramjade
post Apr 25 2017, 12:25 PM

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QUOTE(T231H @ Apr 25 2017, 12:24 PM)
hmm.gif why do you say so?
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Smartly said they won't launch robo investors in malaysia. Said they will launch UT in malaysia which is "suitable for malaysian taste"
But they are launching robo investors in SG.

Source:
https://blogsmartly.wordpress.com/2016/12/1...lobal-etfs/amp/

This post has been edited by Ramjade: Apr 25 2017, 12:31 PM
Ramjade
post Apr 25 2017, 12:33 PM

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QUOTE(T231H @ Apr 25 2017, 12:31 PM)
hmm.gif  just wondering what does it mean "suitable for malaysian taste"
why can't the robot be tuned to be that too? after all, it is just programmes and logic instructions.... hmm.gif
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See https://blogsmartly.wordpress.com/2016/12/1...lobal-etfs/amp/

QUOTE
Malaysian investors will be able to use this service by opening a banking and brokerage account in Singapore.

However, the product offerings of robo-advisory platforms could be different when they are launched in Malaysia and Indonesia, says Veskiväli. That is because there are restrictions on buying foreign-listed ETFs in both countries. In addition, there is a lack of variety when it comes to local ETFs.

“If we are unable to trade foreign-listed ETFs in Malaysia and Indonesia, perhaps we can package the actively managed unit trust funds in a way that is different from the other market players that are in the business of distributing unit trusts online,” says Veskiväli.
Ramjade
post Apr 25 2017, 01:03 PM

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QUOTE(lanceys @ Apr 25 2017, 01:01 PM)
Hey guys, I graduated a year and has been working since. Saved up a bit and planning to earn some side income. I'm new to all these investment, fund stuff and have no idea where to start. I'm willing to learn and take risk.

Any advice from the all the sifus? Anything would be greatly appreciated.

Thanks!
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1st determine your risk level
2nd determine how many % in equity and how many % in bond fund
3rd set up your allocation
Ramjade
post Apr 25 2017, 01:31 PM

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QUOTE(Steven7 @ Apr 25 2017, 01:26 PM)
Haha I have been on their "waiting list" for some time now but still no news. Anyway the tech stack behind their web platform doesn't really project confidence to me though, although they might have super-genius-fund-manager~
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One reason I can think of is MAS is purposely slowing things down. Look at 8 securities a securities broker in HK offering zero commission. They are trying to get license from MAS to operate in SG. If succeed, will cause big issue with local brokers.

Same thing with his robo advisor. If really come through, will shake up the financial industry big time. Can't let that happen right? whistling.gif

Of course all these speculation only.
Ramjade
post Apr 25 2017, 01:35 PM

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QUOTE(T231H @ Apr 25 2017, 01:33 PM)
hmm.gif what do you refer that to? do you mean FSM SG has fund manager?
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What me meant is he already put his email into Smartly waiting list and still haven't get a reply. Smartly stashaway are all using algorithm to buy ETF. No fund manager is involved.

super-genius-fund-manager = AI

This post has been edited by Ramjade: Apr 25 2017, 01:36 PM
Ramjade
post Apr 25 2017, 01:44 PM

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QUOTE(Steven7 @ Apr 25 2017, 01:40 PM)
BTW sorry for asking to be spoon fed here, but what is going on with the market today. My portfolio value has risen quite a bit since morning.
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1st round of French election over and le pen is not expected tp win. So market is relieved that frexit is not happening. However, there's still 2nd round and she's still in the race whistling.gif

Trump said tax reform coming soon. So market is happy that he is going to keep his words by cutting tax and increase infrastructure spending.

This post has been edited by Ramjade: Apr 25 2017, 01:46 PM
Ramjade
post Apr 25 2017, 04:43 PM

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QUOTE(puchongite @ Apr 25 2017, 04:10 PM)
USD->Ringgit 4.36.
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Come to papa rclxms.gif rclxms.gif But 4.36 nothing to cheer. Come 4.1 I take action. rclxm9.gif rclxm9.gif
Ramjade
post Apr 25 2017, 05:13 PM

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QUOTE(puchongite @ Apr 25 2017, 04:51 PM)
You also do currency trading ke ? How come  not in the signature ?  blink.gif
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Nope. If reach 4.1, I
(i) go on online shopping spree in US (for food stuff -> free shipping + GST free + cheaper than malaysia = more money saved)
(ii) change USD bring to SG and buy Manulife US Reits (get 6.x-7x% pa dividends)
(iii) support my favourite computer program author by buying few more lifetime license

This post has been edited by Ramjade: Apr 25 2017, 05:15 PM
Ramjade
post Apr 25 2017, 05:25 PM

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QUOTE(puchongite @ Apr 25 2017, 05:20 PM)
You talk big only.  devil.gif If really happen, you still be eating bread with mineral water. Still no flying, taking bus to US.
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Bro online shopping in US. Apa fly to US.
See here.
http://investor.manulifeusreit.sg

QUOTE
Manulife US REIT is a Singapore REIT established with the investment strategy principally to invest, directly or indirectly, in a portfolio of income-producing office real estate in key markets in the United States, as well as real estate-related assets.

Best part of all no 30% withholding tax because it's listed in singapore.

PS selina young is also holding manulife US reits whistling.gif
How I know? Manulife US reits is the first and only pure play US reits not listed in US.

This post has been edited by Ramjade: Apr 25 2017, 05:32 PM
Ramjade
post Apr 25 2017, 07:55 PM

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QUOTE(shankar_dass93 @ Apr 25 2017, 07:49 PM)
What have you started doing ? Changing usd to ringgit ?
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No. Change RM to SGD. I tak da USD income yet. sad.gif Will get it once I start buying Manulife US reit.
What have I been doing? Looking at my S-reits report card. Most of them doing good thumbsup.gif thumbup.gif

This post has been edited by Ramjade: Apr 25 2017, 07:56 PM
Ramjade
post Apr 25 2017, 08:09 PM

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QUOTE(shankar_dass93 @ Apr 25 2017, 08:04 PM)
Assumed you were changing your USDs.
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USD too high. No use for USD at moment so no need for changing RM to USD.
Ramjade
post Apr 25 2017, 09:05 PM

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QUOTE(shankar_dass93 @ Apr 25 2017, 08:48 PM)
Janji mu boleh invest dengan fund dia wub.gif

» Click to show Spoiler - click again to hide... «

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Me tak mahu shakehead.gif
Ramjade
post Apr 25 2017, 09:45 PM

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QUOTE(shankar_dass93 @ Apr 25 2017, 09:40 PM)
Tak mahu fund manager ke tak mahu fund dia ? rclxub.gif
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Both.
Ramjade
post Apr 25 2017, 10:00 PM

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QUOTE(Aurora Boreali @ Apr 25 2017, 09:47 PM)
Hi sifus

I just opened my FSM account and thinking of making initial investments. Risk profiling tells me that I'm a Balanced type. Any comments on following portfolio that I intend to make?

15% each
Eastspring Investments Bond Fund
Affin Hwang Select Bond Fund - MYR
Libra AsnitaBond Fund
RHB Emerging Markets Bond Fund

10% each
Kenanga Growth Fund
CIMB-Principal Asia Pacific Dynamic Income Fund - MYR
Manulife Investment U.S. Equity Fund
TA Global Technology Fund

Also, what's the strategy in using RHB Cash Management Fund 2? Just to park money and switch it out to other funds when one desires to because of the 0 switching fees?
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Too many bond fund. Just choose Affin Hwang Select Bond and increase that %. Ditch the rest.
Pick either Manulife US/TA Global. Don't need pick both. If you want lesser volatility, pick manulife. If you want higher returns, TA Global tech.
Consider adding india/china for growth. You can add both at 5% each
Ramjade
post Apr 25 2017, 10:32 PM

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QUOTE(Aurora Boreali @ Apr 25 2017, 10:29 PM)
Thanks for the 3 replies so far. Yes I wanted to "diversify" with different bond funds. Also I know deep in my heart I am a conservative type but 2 different profiling tools attempted to convince me otherwise. I don't really believe the results myself though.

I simulator the above for a 3-year period and the annualised return is 11.18% with 3.78 volatility and I like what I see TBH. Putting more into equity makes the volatility go near 6 and I am not sure if I can take it.
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There's no shame in being conservative. But you can be playing pokemon go (gotta catch them all) either. Better lean and mean vs catch them all.
Ramjade
post Apr 25 2017, 10:48 PM

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QUOTE(aspartame @ Apr 25 2017, 10:46 PM)
Cash management fund is really a fund or it is like trust accoubt in brokerage?
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Is just spare place to park your unused cash.
Ramjade
post Apr 26 2017, 04:47 PM

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QUOTE(WhitE LighteR @ Apr 26 2017, 04:35 PM)
Australia's sky-high household debt a ticking time bomb

http://www.theedgeproperty.com.my/content/...cking-time-bomb

For those into Australia REIT
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That's house. For reits need to see their gearing. About AU reits not attractive because there's 30% withholding tax. Might be same with/less than SG-reits after plus the 30% tax.
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