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

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Ramjade
post May 22 2017, 10:15 PM

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QUOTE(kswee @ May 22 2017, 10:13 PM)
interpac will be the 3rd ponzi? i put a bet on interpac!
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Enjoy while it last. After election semua jatuh and semua jadi senyap. This is pre-election euphoria.
Ramjade
post May 23 2017, 03:26 PM

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QUOTE(puchongite @ May 23 2017, 01:14 PM)
India has been on a consecutive days of drops, in case you haven't noticed.

It's definitely beyond the Trump issue already.

It's entering a correction.

For those who advocate top-ups when price drops, time to do it NOW  ? blink.gif
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Too small to buy. Fall 5% then I take a look.
Ramjade
post May 23 2017, 05:18 PM

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QUOTE(jdgobio @ May 23 2017, 04:54 PM)
Sorry for digging an older post but need some clarification.
I want to transfer my EPF investment in Public Mutual to FSM. Had a chat with FSM CS online and the info I got is that I need to redeem/sell my PM UTs and then submit a fresh EPF investment withdrawal form to FSM. I have invested in PM since 2011 and as a result half of my total EPF funds are actually in Public Mutual. The thing is if I sell and withdraw again, I can only withdraw 30++% of what I am going to sell and not the same amount. Is there another way to do this to by retaining the same amount of funds to reinvest into FSM.

I have just realized how much I have been losing with Public Mutual. Did a detailed computation and the returns are less than half of EPF dividends that would have accumulated had I left the amount in EPF. The last time I did a detailed check was in 2013 and at that time it was on par with EPF and I thought in the long term it will give better returns. Well, have no one to blame but myself for not monitoring my investments. I just never expected PM to be so bad when so many other fund houses can do so much better.
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From what I know when you sell, money goes back into EPF.

Who told you you can only use 30% to buy? Public mutual people of FSM?
Ramjade
post May 24 2017, 10:11 AM

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plumberly
QUOTE
For an investor that have chosen to invest in a unit trust (e.g. Fund House A – MY Equity Fund) via Fundsupermart (“FSM”), rest assured that internal procedures are in place to handle clients’ assets in accordance with the regulations. FSM has set up Client Trust Accounts with licensed banks in Malaysia to deal with clients’ monies according to Section 111 of the Capital Markets Services Act 2007 (CMSA). This is to ensure that clients’ assets are segregated from FSM’s house assets and handled in the manner allowed by the rules and regulations. All units, on the other hand, will be registered in the name of a separate entity, namely iFAST Nominee Sdn. Bhd. Despite the nominee structure that FSM operates, essential information of the underlying investors will be shared with the respective fund houses to ensure that all units held in FSM pooled nominee account can be properly accounted for. Should FSM ceases as a business concern, with investor’s permission, all assets will be returned back to investor or transferred to another Institutional Unit Trust Advisers (IUTA).

Fundsupermart is a division of iFAST Capital Sdn Bhd. iFAST Capital Sdn Bhd has a Capital Markets Services Licence (CMSL) from the Securities Commission to deal in unit trusts, offer investment advisory services and deal in Private Retirement Scheme. It is also registered with the Federation of Investment Managers Malaysia (FIMM) as an Institutional Unit Trust Advisers (IUTA). iFAST Capital Sdn Bhd is a subsidiary of iFAST Malaysia Sdn. Bhd. (formerly known as iFAST-OSK Sdn. Bhd.), which is wholly owned by iFAST Corporation Ltd.
Source: https://www.fundsupermart.com.my/main/resea...-May-2017--8339
QUOTE(akping_1 @ May 24 2017, 07:42 AM)
Hi all, i'm new to FSM and just place order for the following 2 fund.
Affin Hwang Select Bond Fund - MYR RM1300
CIMB-Principal Global Titans Fund RM1300

and looking to add another risk level 8-9 which give better return into the fund , which 1 is better selection?

CIMB-Principal Small Cap Fund
Kenanga Asia Pacific Total Return Fund
Eastspring Investments Global Emerging Markets Fund
AFFIN HWANG SELECT DIVIDEND FUND 

Planned to add RM2000 on it

Thanks all..
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CIMB-Principal Small Cap Fund -> Kenanga Growth FUnd
Kenanga Asia Pacific Total Return Fund -> Cimb asia pacific/Rhb Asia Income
Eastspring Investments Global Emerging Markets Fund -> Up to you
AFFIN HWANG SELECT DIVIDEND FUND -> I think you can drop this

QUOTE(Avangelice @ May 24 2017, 08:49 AM)
well our this batch of investors are actually pretty good in grasping the principles of unit trust investment hence the technicalities rather than the simple where to invest.

this is good. we are getting more aware and knowledgeable.
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We are still not there yet. When Public Mutual start feeling the heat, we know we have made a dent.

This post has been edited by Ramjade: May 24 2017, 10:12 AM
Ramjade
post May 24 2017, 10:27 AM

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QUOTE(akping_1 @ May 24 2017, 10:23 AM)
Thanks for replied, so mean your advices are buy the 1 bold? 
CIMB-Principal Small Cap Fund -> Kenanga Growth FUnd
Kenanga Asia Pacific Total Return Fund -> Cimb asia pacific/Rhb Asia Income
Eastspring Investments Global Emerging Markets Fund -> Up to you
AFFIN HWANG SELECT DIVIDEND FUND -> I think you can drop this
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No. Buy the one after the arrow.
Ramjade
post May 24 2017, 08:59 PM

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QUOTE(Ancient-XinG- @ May 24 2017, 08:55 PM)
Lately noticing the RHB Asian total return was making less and less when printing statement.

Recheck... Price fall since Feb and never bounce back...

Total return seems stagnant...

About RHB AIF, also no making through.

Is RHB facing some hardship here....
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No. It's USD at play. RHB Asian Total return = USD strength. If USD is weak, RHB Asian total return also weak.
Regardless RHB AIF, no idea.
Ramjade
post May 25 2017, 11:24 AM

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QUOTE(Nemozai @ May 25 2017, 08:55 AM)
My EISC is currently at 12% profit. Should I skim profit one day before election?
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I cabut lo. devil.gif

Ramjade
post May 25 2017, 03:47 PM

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QUOTE(Ancient-XinG- @ May 25 2017, 03:10 PM)
for the past year, he is the one who tank.

Now TA GT tanking.
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I hardly see anything wrong with TA. India still going down. Lost ~2%+. Come down to 5%, I will buy.
Ramjade
post May 25 2017, 04:22 PM

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QUOTE(puchongite @ May 25 2017, 03:57 PM)
You lost 2% only ?

Should be more, I thought first day already more than 2.x %, and then another time 1.x%, so overall should be >3%.
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2%+. Not yet reach 3% I think but reaching close to 3%. Never really calculate.
Ramjade
post May 25 2017, 06:40 PM

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QUOTE(puchongite @ May 25 2017, 04:26 PM)
Today the india market sort of recover, but when translate back into nav, results will be poor, as USD to MYR again lost a lot.
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It drop 4.25% from May 16 - May 23 (using FSM price)
Come come. Drop some more baby drool.gif

This post has been edited by Ramjade: May 25 2017, 06:41 PM
Ramjade
post May 25 2017, 10:39 PM

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QUOTE(David83 @ May 25 2017, 10:32 PM)
EASTSPRING INVESTMENTS ISLAMIC SMALL-CAP FUND is launched to replace the soft closed small cap fund?

URL: https://www.fundsupermart.com.my/main/fundi...ap-Fund-MTESISC
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Eastspring should launch an asia pacific small caps. At least there's an option other than the closed Ponzi 1
Ramjade
post May 25 2017, 10:49 PM

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QUOTE(David83 @ May 25 2017, 10:45 PM)
Opps ... Ponzi 1 is closed; not Eastspring Small Cap Fund.
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Eastspring small cap also close la. Check properly. laugh.gif
Ramjade
post May 25 2017, 10:55 PM

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Anyway for those want alternative to Affin Hwang Select Quantum fund may consider Templeton Asian Smaller Companies Fund but need deep pockets for this fund. whistling.gif

It's a good fund.

This post has been edited by Ramjade: May 25 2017, 10:55 PM
Ramjade
post May 26 2017, 12:32 AM

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QUOTE(ganaesan @ May 26 2017, 12:02 AM)
When comes to reit, only AmAsia and Manulife are considered..

Wonder why Affin Reit is not taken into considerations??

Why huh?

Maybe reit sifus can shed light on this
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Plot RHB Asian Real Estate Fund, Manulife Investment Asia-Pacific REIT Fund, AmAsia Pacific REITs - Class B (MYR) and Affin Hwang Select Asia Pacific (Ex Japan) REITS and Infrastructure Fund.

You don't get much good infrastructure stocks on this side of the globe. However, if you look at SG funds, there's a particular infrastructure fund which beats both reits and other infrastructure fund (whether it's asia pacific/global).

QUOTE(T231H @ May 26 2017, 12:03 AM)
no more headache
no more D-I-Y
no more self ranting.gif 

anytime failed got someone to blame.... biggrin.gif

Promotion Launch: 0% Portfolio Management Fee for First 50 Clients
May 25, 2017,    Author : Fundsupermart

https://www.fundsupermart.com.my/main/resea...50-Clients-8395

wub.gif come come wanna go?
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50 people and max RM10k. What are the odds you are the lucky 50 hmm.gif sweat.gif whistling.gif Well that's faster than expected. Arrival of FSM MAPS. Even interface also like FSM SG.

QUOTE(ganaesan @ May 26 2017, 12:16 AM)
Thats a very fast posting...
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Dia agent FSM what ph34r.gif bruce.gif
Ramjade
post May 26 2017, 12:59 AM

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QUOTE(T231H @ May 26 2017, 12:51 AM)
hmm.gif mind and care to calculate how much can be "saved" for each of the 50 persons?  notworthy.gif
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10000 x 0.005 = RM50/year
10000 x 0.005 x 50 = RM2500/year
Ramjade
post May 26 2017, 01:08 AM

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QUOTE(T231H @ May 26 2017, 12:41 AM)
hmm.gif Time for some of you to reduce your EQ ratio?  devil.gif
sourced from

https://www.fundsupermart.com.my/fsm/manage...tment-portfolio

do you guys /girs think it is possible or realistic to have this ratio with this roi? confused.gif
if ok...sailing for 8% ROI with just 50% EQ......very comfortable to sleep at nights?
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Yes. Affin hwang select bond itself give you 6-7%. You just need something to give you that extra 1-2%. Combo of india + china + ta tech should get you there.
I reckon 60-70% into Affin hwang select bond. The remainder divide equally into india + china + ta tech.

If you don't like Affin hwang select bond, can always replace with Manulife AP reits. Sure to get you there. devil.gif

Eg
70% Affin Hwang Select Bond Fund at 6.5% return = 4.55%
30% equally into india + china + ta tech at average 18% each return give you 5.4%
Total = 9.95%

50% Affin Hwang Select Bond Fund at 6.5% return = 3.25%
50% equally into india + china + ta tech at average 18% each return give you 9%
Total = 12.25% > the 8%

This post has been edited by Ramjade: May 26 2017, 01:17 AM
Ramjade
post May 26 2017, 01:12 AM

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QUOTE(T231H @ May 26 2017, 01:10 AM)
with 50% at FI too?
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See my edited post.
Ramjade
post May 26 2017, 01:18 AM

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QUOTE(T231H @ May 26 2017, 01:15 AM)
for me, I would try call up the CS,...tell them if can be among the 50,..then subscribe....
else no deal.... biggrin.gif
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Good one. rclxms.gif

QUOTE(T231H @ May 26 2017, 01:17 AM)
that is 100% EQ  sweat.gif  sweat.gif
I would go for 8% (just 2% less than yours) but at 50% EQ
I too chicken mah...you got iron balls
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In case you missed it
Eg
QUOTE
70% Affin Hwang Select Bond Fund at 6.5% return = 4.55%
30% equally into india + china + ta tech at average 18% each return give you 5.4%
Total = 9.95%

50% Affin Hwang Select Bond Fund at 6.5% return = 3.25%
50% equally into india + china + ta tech at average 18% each return give you 9%
Total = 12.25% > the 8%


This post has been edited by Ramjade: May 26 2017, 01:19 AM
Ramjade
post May 26 2017, 02:18 AM

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QUOTE(T231H @ May 26 2017, 01:46 AM)
hmm.gif it might work...
thanks for sharing....

70% Affin Hwang Select Bond Fund at 6.5% return = 4.55%
30% equally into india + china + ta tech at average 18% each return give you 5.4%
Total = 9.95%

50% Affin Hwang Select Bond Fund at 6.5% return = 3.25%
50% equally into india + china + ta tech at average 18% each return give you 9%
Total = 12.25%

with a possibility of 10% ROI, would propose go for the 70% FI.......(for those that are risk adverse)
compared to 12% ROI at 50% FI

btw, any chance of you go for that now? or you aimed for higher...guess you did not go anywhere near 50% at affin bond...
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Never had any bond funds when I started. Didn't see the need for one. Decided to add United in December because of potential 10% return. Sold that off last week as returns were kind of like amasia. Too slow for a 10% bond fund. Converted the cash to SGD thumbup.gif Not going to hold anymore bond funds. Better I go with reits in an increasing interest environment. At least reit manager can raise rental to offset higher interest. Bond issuer can't do that. Yield is fix but for the yield to be fix, the price needs to drop. So no more bonds for me unless maybe for emergency cash supply in malaysia. Thinking of amanah saham/affin hwang select bond fund.

If market crash? Add more into whatever UT one is holding lo. No need to depend on bond fund. Just wait it out. Hence that's why I don't feel I need a bond fund.

Manulife AP > United HY bond fund > Amasia biggrin.gif icon_idea.gif flex.gif

As I mentioned, I am pulling out from FSM MY and transferring my portfolio to SG. Time is not right yet. Not getting the total return I want. No bond funds for me over there. Too slow. I will only use bond funds in SG for parking purposes (if there's nothing good to buy in SG market - learnt this from some singaporean as MMF over there give miserable ~0.9% and there's no eGIA-i over there. The best FD give ~1.x% shakehead.gif doh.gif )

This post has been edited by Ramjade: May 26 2017, 02:22 AM
Ramjade
post May 26 2017, 08:54 AM

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QUOTE(T231H @ May 26 2017, 08:33 AM)
this may have been asked before....
when have you started to move to FSM SG?
has the moved been completed?
when has it complete?
what is your expected returns for this FSM SG portfolio?
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Actually it have reached my min amount that I want ed which is10% in a year. But I am not satisfied that it's not going up higher. Drag is caused by manulife AP and amasia. Both single digit return. But my other funds are all double digit.

I haven't started but I have opened my account since January. I don't have enough money to buy both UT and stocks on SGX (s-reits + high dividend counter + defensive counter. I am more of a dividend investor). So I decide to go the SGX route first. Generate some SGD first. So far it's working. May and June will be my collection time.

Already made my watch list for SG UT. Just no money to buy and time isn't right.

That's why I waiting for india to drop so I can make my first SG UT purchase.

Have it started?
- It was close but as mentioned above nope.

When has it completed?
- Most likely next trip. There's only so much cash one can bring per trip. You can ask AIYH and see if he's completed his transfer over there.

Expected return
- Min 10% a year (same as malaysia case). But big difference with malaysia 10% vs SG 10%.
- Perfectly fine with (-) return for some year

Startegy going forward
- Split my RM equally into SGX stocks and SG UT.
- SGX to earn SGD regardless how is the market via dividend investing.
- SG UT for growth
- None will be invested in malaysia except for PRS

This post has been edited by Ramjade: May 26 2017, 08:58 AM

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