Thanks for the update. 0.5 % still a good one for those who can't attend.

With the market so high, not sure which I should top up.

Ponzi 2.0 not going down despite ringgit going up.

KGF? India fund?

It may not translate to +0.25%. Anyhow, you will observe that interest rate for CMF will slowly increase.

actually, you guys can email fundsupermart, they can convey their opinion to you but they can also pass your message to the fund managers. after all, FSM voice is quite loud, and by loud i mean the customers they bring in to the fund house, especially on the smaller fund houses like TA.

on a separate note, cimb is getting really annoying. login today to see yet another dividend distribution, less than 2 months after the previous one. referring to ponzi 2.0

Anybody taking up to start a new version? if not i shall volunteer to start a new one. new year, deserves a fresh start.

Reminder on this is, no one can tell the future. Honestly, in my opinion, the market didn't really drop a lot. It did go up very much as pointed out by xuzen. And for very long too.

But I can tell you this, I regret not buying more during the market crashed in Jan 2016. What a pity ah.

can top up... just not 0.8%.

for normal account holder, just need to give that extra 0.95% SC.

For silver account holder (i believe many here are), only 0.7% SC different. The savings in SC (in hindsight of course) is lesser than the drop in NAV...

Was it a lump sum investment when you started?

have you really tracked how much is your return?

Holding it almost 5 years. Irr: 3.53%

I did top up over the years...

i stopped tracking my IRR month by month. i think about 2 to 3 years in, there was a point my IRR is like 8% la, based on my on tracking, which is at the highest point of KGF, Q3 Q4 2017. double check the graph, since jan 2017, no increase, of course die.

my eastspring small cap since 2016 december, till now, -1.5%. Sad. AND my eastspring is bought at 0% sales charge. super duper sad.

Just curious, anyone still invested in interpac? Previous fund manager has left. i'm still in the red for this fund after 2 years of investing.

beginner's common mistake. investing in PRS or unit trust is not get rich scheme.

so, take a step back and ponder on the decision.

My investment since 2014. IRR 6.4%

Cheers.

I'm sorry you take it as bragging.

The point is not to look at things short term, which is really common though.

And it should not be about timing the market.

You know you can use the filter at fundsupermart instead of asking here. Their filtering quite canggih. I forgot what os the name of the menu/function.

The few traditionally popular ones are greater china and asia pacific income. Both cimb funds.

Eastspring has a dinasti equity but it is not a buying recommendation, just happen that i bought into it so i know there is such a fund.

I notice uncle wong appears here when market red red. Hahaha.

I am also thinking going in PRS. Buying now should hopefully out do whatever FSM promo gift that we get in nov to dec.

Today top up on my PRS...

Half. Will observe aftee this announcement

1 month after the bloodbath of March, looking back... what i'm thinking now is... why didn't i top up more during that week of March...

for the record... i did top up though, to my PRS. but only half of the tax relief amount... now the 2nd half...

I realise i was not brave enough. This is probably 3rd time since i started investing that there was a big down. Of course march 2020 was faster than the previous ones i think.

This is to serve as a note to other people and myself that it is when you feel scared, seems like the best time to invest.

The next round, i believe people will be slightly more prepared... but let's see. I could be wrong.

Other options will be share trading account. Which is faster than CMF but not paying as much interest.

It depends on your end goal. most of us don't mind keeping money in this CMF because they probably has other places to instantly withdraw money or they can survive receiving the money 2 to 3 days later. also cause it makes it easier to transfer money when we do want to invest in this one.

Other bank accounts gives higher interest rates usually have some other criteria, there's no one size fit all just have to accept the pros and cons of the facility available.