Dividend distribution in unit trust is useless. Whether the fund gives dividend or not, the fund value remains the same.

This post has been edited by Ramjade: May 6 2017, 10:12 AM

If that happen, buy global tech la. Why scared?

As David83 said. There's EU and JP supporting it. EU rally after Le Pen fail to win election.

Depends. If funds on FSM MY no. If SG UT, then yes. Some foreign denominated funds outperform the SGD funds (same sector but different fund house)

HSBC Asia ex Japan Small Caps SGD vs HSBC Asia ex Japan Small Caps USD. Same fund different currency. The USD have lower volatility and higher returns. There are many other egs but since this is FSM MY, it's OT.

This post has been edited by Ramjade: May 12 2017, 07:52 PM

Interpac fund manager is the same as previous RHB FM. Also leopards don't change their spots. At rhb, he invest in u-li. Now come to interpac, also invest in u-li.

Already reply. FM is from Rhb. The onr which cauae u-li fiasco. Now in interpac also invest in u-li again.

Actually retail investors have three advantages over fund manager
1) retail investor can sit on huge pile of money even 100% also can
2) less withholding tax. eg. since I am in s-reit, as an individual, I don't kena tax 15% withholding tax. But those fund manager reit etf (yes there are 2 asia pacific reit etf) will kena 15% (or more depending on the country) withholding tax which effectively decrease your returns.
3) is hard for a retail investors to become majority shareholder (it's possible but one needs to be loaded) vs a FM.

This post has been edited by Ramjade: May 13 2017, 02:02 PM

Not really. If you want to invest for capital appreciation, then yeah maybe more work needed. Because those stocks, no analayst no cover, no one knows about it.

But if you are investing for income (dividend yield), few criteria criteria.
1) financial balance sheet. A company with zero debts or low debts is mich better at survival.
2) company you see everyday which people use and hard for them to survive without it. But this is just a clue. Not necessarily can work (good eg. PPB group on observation it's a good business - gsc cinema, massimo bread, blue key and cap sauh flour, neptune and sri murni cooking oil but if you dig deeper, not so impressive although it's owned by the famous robert kouk)

Can malaysia survive without it? Most likely can but hard.

But OT.

This post has been edited by Ramjade: May 13 2017, 07:27 PM

Hahaha... I thought that too. Until dasecret came and make noise. ASX is not PIDM protected or capital protected. The buying and selling give at rm1/unit gives the impression that it's capital protected but it's not. It's the nearest you can get to capital protected aka pseudocapital protected.

This post has been edited by Ramjade: May 14 2017, 07:03 PM

Nope it's never been protected by PIDM. But as long as one stick to fixed price fund, I have never heard of anyone losing money via amanah saham.

Anyway OT already. Later people come fire me.

You are not the only one. There's so much stuff I want to buy in SG. DBS, First reit, etc...

1. Determine your risk profile.
https://www.fundsupermart.com.my/main/schoo...g.svdo?PageID=3https://www.fundsupermart.com.my/main/riskP...kProfiling.svdo
2. Determine how many % EQ you want and how many % FI you want. You can be 100% EQ also no problem if you can stand it.
3. Determine your sector allocation (how many % you want in Malaysia, asia pacific, etc)
4. Determine which fund you want to pick.
You can email FSM for recommendation.


Alternatively, you can stick with 4 funds by following turtle investor asset allocation
http://www.turtleinvestor.net/asset-allocation/

I recommend you to replace his global index to be 15% US based + 15% asia pacific (that way you have total 5 funds)
For SG index fund, you can choose a SG fund (there's one sold by FSM)/choose a malaysian based fund/choose india fund for more power (if you have no confidence in malaysia)

Bond fund, just use affin hwang select bond fund.

For reits, use manulife AP reits (I personally recommend this over amasia. But it's your choice. Alternatively,you can buy M-reits yourself from bursa saham but it's yield is not attractive.

Btw, RM2k is too little as most fund need min RM1k to start. After that topup for fund range from RM100/RM200/RM500.

This post has been edited by Ramjade: May 14 2017, 10:18 PM

Actually I appreciate it that yoh showed me. Anyway I will still treat it as fixed income.

Thanks for this. Didn't know about this. Good stuff. Contribute EPF for income tax > use money to buy ponzi 1 & 2. Double win

Keep in mind that before this, bonds are usually for HNWI which require min RM250k. So don't expect them to offer at very cheap prices.

It's up to him to determine whether it's classified info or not. He can declassified anything he wants.

And this have nothing to do with US defences. It's about syria. So my guess is not a problem.

If that happens, no where but cash is safe.

Nevermind found it. Those jittery traders scared of trump event so sold off.

This post has been edited by Ramjade: May 17 2017, 10:26 PM

Why keep so much in CMF? Better move it to affin hwang select bond. CMF is for parking place

You can't go wrong with Kenanga Growth Fund.

You sure or not? The current bullish mode is because of election. It's always like that. Malaysian market eill be inflated before the election to give a feel good factor.