This is what I understand too. It doesn't make sense that you have no control on what they buy and yet they charge you for each fund. But for every subsequent top up of say rm1000, do we pay the subscription fee of 1.25% (assuming aggresive port) of the RM1000 again?

That's why FSM Malaysia made a wrong move with this managed portfolio. Should have follow SG way. Buy yourself, kena charge 0.4%pa platform fees. Use their managed portfolio, kena charged 0.5%p.a platform fees. 0.1%pa and people do everything for you.

This post has been edited by Ramjade: May 27 2017, 11:58 PM

Of course we have to pay for top-ups. There is no free lunch in this world! After all they don't charge sales charge for the underlying equity/balanced funds anymore. Just think of it as averaging out the cost of sales charge for all funds making up the entire portfolio. Wonder if we can use referral tokens on the subscription fee?

I'm actually quite tempted give the Managed Portfolio a try, but am afraid will miss out the first 50 subscribers by the time I make up my mind. LOL

Hi fellow sifu.
In you opinion which type of user should subscribe to their portfolio management services?

You can even buy both your own funds and managed portfolio in the same account. Managed portfolio is a different product, it won't be shown on the funds tab

Hmm.... what kind of monte carlo method you use to be able to come out with a decision of allocation for specific funds? I thought monte carlo helps with probability, sensitivity, scenarios etc. that's why the FSM one would just show you where the different scenarios would end up in that chart

I thought you always say platform fee is conjob? lol. Personally I don't think the market is ready for platform fees yet; at least not for DIY product

Check with them if you still stand a chance to be the first 50 before you buy lor. They emailed to notify that I'm within the first 50. But really, the amount of savings is not that much la, RM50 per year can buy you a nice dinner currently. In 20 years maybe only enough to buy a pack of chicken rice

Took a closer look on your picks. So AIF dropped off the good books?
Since I do listen to FSM research a bit, I'm skeptical with your recommendations on REITs; hasn't been doing well since FSM published their take early this year. No more broad based asia pac fund? Not even manulife pacific? I still like ponzi 1.0 la

Come join the fun! Actually balanced portfolio seem more optimum

People who is willing to trade lower returns for peace of mind and auto-pilot. Those ppl who wants to be in driver seat all the time is not the target audience for this product.

If you want something more than FD and ASx, have a long time horizon, but not sure where to start; managed portfolio is for you
If you lost money trying to invest yourself and don't trust yourself with it anymore, this is for you
If you know all the investing basics but lacked time or discipline, this is for you

Why don't you describe what type of user are you then we can advise if this is for you

For those people don't want to pening kepala and want to enjoy life. Buy and forget. This is for "Now everyone can invest". Although I must say good move FSM MY for bringing this to malaysia but better choices available across the Causeway at cheaper prices too. FSM SG MAPS, Phillip SMART portfolio, Smartly, Stashaway.
Have your pick.
No SG bank account? No problem. FSM SG will take you in. Not sure about Phillip, Smartly, Stashaway. Smartly did mentioned malaysian who want to joint, just need to open a SG bank account and one is ready to experience automatic investing. FSM SG invest using UT as they haven't have a stockbroker license yet. Phillip combination of everything. Smartly and Stashaway will use ETFs.

I still am. But imagine if they introduce this new product with 1%pa flat rate platform fees only. I am sure response is huge!!! What's 1%pa vs 1.75%??? No need to go as low as 0.5 like they did in singapore. As Tony F. said, if you introduce something cheap enough, malaysians will bite.

He forgot to include. On the contary, my s-reits are flying. Some 10% in less than a year. Ask those in ASX (AU) threads, how is their A-reits doing? Don't talk about HK-reits. Yield too low to buy but price also flying. Same with Malaysian reits yield too low but price flying. So I don't know why your reit haven't been performing well? Amasia? If manulife ~6%+. Amasia last I check still 1.8% That's why I said, something about amasia reits is not right. How can AU, HK, SG, MY reits flying and amasia still stuck in the mud?

This post has been edited by Ramjade: May 28 2017, 06:56 AM

please enlighten me as to why it is more optimum?

Based on the above. If you look at the recommended portfolio, also balanced portfolio has the highest returns. But I look at average, not max upside

the average return (projected) increases in 1% each step of the portfolio type by with 20% variance in FI ratio

where did you se the highest returns?
can see from the FSM chart?

This post has been edited by yklooi: May 28 2017, 10:27 AM

Both average returns and highest returns I mentioned is from the Monte Carlo simulation. Not from the projected average returns. Basically it gives you a picture of the possible outcomes in 30 year and where it's distributed

Just pick a portfolio that you are comfy with. I also picked moderately aggressive for myself. If mum wants to put in, I'd go for balanced for her

ok....
most probably I would go for the moderate one....
btw, following your earlier posting.....I just emailed FSM abt the 1st 50 person thing....just waiting for their response.

Not sure if this is useful or not.....
Not sure if this is an apple to apple comparison...
with not so much different in % of returns since 2008/2009 (approximate 8 yrs) but a lot of different in % of FI allocation.....

you tell me which one is more bang for the money.....ok?


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DIY.

with what ratio for a better optimum results?
for it looks like highest EQ % may not worth it for the risk it takes

what would the optimum ratio would you suggest?

Here's my take on this managed portfolios. if you have alot of money that you don't mind returns then get these ports. easy no frills shopping experience to generate passive income.

if you do not have much and want the best returns based on your risk profile (age, goals,income) then diy would be better. plus you get to learn how the global economy works, what domino affects your funds and etc.

why be lazy when you can learn a thing or two in the process plus I shudder the day when a managed portfolio is beaten by a diy one. how would they ans to their clientele.

then again I doubt so. with the way managed portfolio are sold and bought it is hard to compare.

This post has been edited by Avangelice: May 28 2017, 03:27 PM

I am not sure if I read the results correctly. The most aggressive port only gives <7% annualized return.

Is it that because HK/SG the % return is generally less ?

Does not seem very correct.

This post has been edited by puchongite: May 28 2017, 03:19 PM

Any idea when will be next promo? less than 1%.. "P

most probably the next major one would be in mid June or mid July 2017....
just 3~ 6 weeks more to go....time to start accumulate $$

This post has been edited by T231H: May 28 2017, 06:28 PM

Thanks!

Been accumulating since Jan this year.. have yet decide to deploy then yet...