This product is just not for you. But it could be a game changer for other people. Don't have to be aggressive about it. Can direct your frustration to FSM.

Two things you got it wrong here.

I am not being aggressive. I am just saying it is not making sense.

Second thing. I am also not frustrated. Why would I be frustrated ?

what happened to egia?

post 812 & 813
https://forum.lowyat.net/topic/4105742/+800

This happen.
Which means we forfeit the interest if do a premature withdrawal. Rate also drop to below CMF. So switch la.

wow. become like fd already. what's the point then.

Well good business for FSM. Those who never heard of FSM will open account with FSM. Then those all these while buying UT from banks/agents will realise how much difference bank charge and FSM charge.
Free promo for FSM > more people buy UT from FSM > better business > able to give us lower service charge?

well UT is still UT. risk is there compared to fd

Well, I think the good thing about managed portfolio is, it takes away the human emotion and lack of discipline factors. It's not difficult to learn the basic allocation theory, VCA theory, rebalancing strategy. The more important factor is, with the skills do you do it consistently? I know I don't necessarily for various reasons.

As to why they allow top up, I think it's quite simple. They are profit oriented company, got more AUM u don't want meh? N it's not realistic to expect the customer to put in everything at one go. I shared this product with a few friends. When one wanted to put in rm100k for a start I actually recommended her to put in by 10 installments instead to average out the entry price.

If you are referring to cash management fund, yes, there's no pidm and capital guarantee like FD. N the return is not fixed at the point of entry. What u see is only indicative. But if you look at the underlying assets and historical results, the risk of losing capital is very remote. So it depends on whether it meets your needs

The other UT funds are different story. But in a normal world, risk and return has a strong relationship. Only in ASx, tabun haji and to a lesser extent, EPF this rule doesn't apply

Dude, what we are doing here is sharing knowledge and learning from others...

You don't hv to be so harsh on my explanation..

Statements like yours turning people off from sharing

I said you are biased in your argument and I substantiated it.

When FSM decided on some strategies for it's own good you defend for it without showing it on a fair ground.

This is a public forum where everyone can publish their views as long as they try to support it.

Feel free to defend that you are not biased. I have not asked you to go away or shut up. Why is that harsh ?

KUALA LUMPUR (May 26): PIE Industrial Bhd's net profit jumped 5.5 times to RM11.59 million in its first quarter ended March 31, 2017 (1QFY17) from RM2.1 million a year ago, thanks to higher revenue and higher foreign currency exchange gain.

The improved profitability was also due to the reversal of slow-moving inventory, its Bursa Malaysia filing today showed.

"However, the increase in profit was partly limited by higher operating expenses and higher provision for doubtful debts," it said.

Revenue grew 35% to RM161.87 million from RM119.73 million, as it reported higher demand from existing customers for electronics manufacturing, and raw wire and cable products.

Looking forward, PIE Industrial expects revenue to grow steadily this year with increasing orders from existing customers and ongoing new projects with potential customers.

Hence, it will "ceaselessly strengthen its vertical integration of manufacturing capability and maintain sufficient manufacturing capacity to cater to outsourcing orders from new and existing customers", it added.

However, it said the fluctuating foreign exchange rates and labour shortage would continue to affect its future earnings.

Nevertheless, it said it should achieve a satisfactory performance for FY17.

PIE Industrial shares closed unchanged at RM2.34 today, valuing the cable and wire manufacturer at RM898.66 million.


InterPac Dynamic Equity Fund Top Holdings,
1 United Uli-Corporation Bhd 6.11
2 P.I.E Industrial Berhad 5.42
3 ES Ceramics Technology Bhd 5.22
4 IQ Group Holdings Berhad 5.15
5 Elsoft Research Berhad 4.82

okay guys. take a chill pill. it's a weekend. go spend it with your families or loved ones. come Monday we go at it again.

Not really understand about fsm managed portfolio charges...anyone able to explain it?
Is that meaning they will charge user by quarterly or only one time charges?

Where do you get the holdings from ? If it is from the old fact sheet, it might be obsoleted.

more on "Managed Portfolio's FAQs"
https://www.fundsupermart.com.my/fsm/manage...nd-services/faq

with that, (for 0.5% annually for AUM) for those that are semi able or at times not able, "better" sent some cash to
a) Ramjade as a token for his suggestion as per post 4921 portfolio
https://forum.lowyat.net/topic/4193169/+4920
or to
b) xuzen as a token for his latest suggestion as per below post


but for those that are looking for "an all-in-one online investment advisory service that builds, monitors and maintains your portfolio for you"......then it is good to go for it...
Why Some Should Consider FSM Managed Portfolios?
https://www.fundsupermart.com.my/main/resea...ortfolios--8394

This post has been edited by T231H: May 27 2017, 11:09 AM


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Algozen™ speaketh; listen well...

I tried putting in various UTF(s) into Algozen™ and letting her run the numbers. Maximum per simulation run is ten UTFs. Anything more, is limited by the correlation coefficient parameters.

The criteria for selecting UTFs for simulations are:

1) Good risk to reward ratio among peers
2) They must have poor correlation among each other (meaning must be well diversified)
3) Good rating from FSM or other rating agencies such as morning star, lipper etc.

Some of the UTFs I used to run the simulation are:

KGF representing home ground

TA GTF, Manulife US & CIMB Titan representing US

CIMB Greater China & Eastspring Dinasti representing Greater China

Esther Bond, RHB ATR & RHB EMB representing bonds

Manulife India

TA Europe

If I do not put those into the simulation it means those UTFs do not satisfy the above three criteria.

After running multiple scenarios (I think Dasecret gave it a fanciful name: Monte - Carlo simulation), Algozen™ came out with the best scenario that is:

TA-GTF @ 25%
India @ 10%
AMReits @ 25%
Ester bond @ 40%

This will give a ROI of 12 to 13% with a risk to reward ratio greater than two. This port is moderate with bias towards some aggressiveness. If you want to be more aggressive, reduce Esther Bond by ten percent and increase by proportion into the other. This port is scalable.

Take note that Algozen™ is very focused, she doesn't play Pokémon Go style. The above four are very well diversified and quite optimized in terms of risk to reward.

Xuzen

This post has been edited by xuzen: May 27 2017, 10:58 AM

aww no love for local funds? KGF?

if you read the post properly that 4 funds are enough to cover the entire globe while not focusing on one specific country and also there another same in this tactic.

Monte Carlo, Algozen or Vanguard all have the same principles. no pokemon style. diversify without over diversifying. simple and easy.

I saw Ponzi 2.0 has been dropped off also.