Some people here pay over RM200 for platform fees (posted here before as that person have over RM100k in Affin Select Bond Fund). If your holdings is small, maybe not worth it. If like that guy at over RM100k, then worth it. RM200/year = RM1k in 5 years.

Many people don't realise that small wasteful stuff such as yearly platform fees will reduce total returns over the years. Whether you buy or not, you are force to pay platform fees. A dollar save = a dollar gain for investment.

For me it's more of principle. If someone can give you the same stuff at a better price, why bother about the other person who is trying to jack up the price? Yes price is small. Eg why buy not buy from banks than buy from FSM. Banks charge you 5.5% what. FSM only 1.75%. Let the bank earn your money. They will be happy to serve you better. But money is still money. All is fair in love and war. For me, money first, banking relationship/brand loyalty last.

If people tell you that cost does not matter, take a look at this article.
https://personal.vanguard.com/us/insights/i...ruth-about-cost

Please don't talk about platform fees antmore. People here very sensitive towards platform fees you know. People here love paying their platform fees.

Depending on what you mean by don't do it in front of our children.

I remember a while ago another poster said I should not be talking about eUT in this thread. My view is simple. This is a not a thread which is sponsored by FSM. We are using lowyat.NET resources, and it is intended to be a public forum. FSM also has never come forward to claim ownership of this thread. And the contributors are also not labeled as from FSM.

If this thread is hosted in FSM website, then of course I will not talk about eUT but the scenario here is totally different.

Is there any other fund got same function as Public Dividend Select Fund but performance much better? I want to show to my agent that this fund he recommended me to use EPF invest for 3 and half years is a sampah fund, profit only 0.63% as of today.

from the funds Benchmark.....AHSDF has can allocates 30% in Asia X Jpn while PDSF don't hv.

Already have it. Never have a bond in my portfolio until I took a look at united. That time was tempted between Affin Hwang Select Bond/RHB ATRF/RHB EM. Cannot decide as those 2 RHB bonds are usually dependant on USD/MYR. The volatility of those 2 funds my goodness 

Then did a few digging back into FSM SG thread and saw this united fund being recommend. Decide to research it by comparing between
United Asian HY Bond
United Asian Bond (mother fund of RHB ATRF)
United Emerging Markets Bond Fund (mother fund of RHB EM)

Where can you find bond fund which give you annualised 3 years return of 13.16% at volatility 5.95. It's closest competitor was United Asian Bond at 7.38 % and volatility of 5.62. When you compare it in terms of 1 year, 2 years, 3 years United Asian HY Bond beats United Asian Bond hands down.

Keep in mind that the same fund may perform better over Malaysia side vs SG side.

Here we go again....

All I ask is for those who use eUT platform to start a eUT thread so that the dedicated discussion can take place there.
But no, I've been repetitively ignored. I supposed their users are not only stingy in $$$, but also stingy in effort.... Take and never give 

Just discuss here. It's still UT. Just different platform only what. Who want to buy from eUT,  let them buy lo. Who wants to buy from FSM buy from FSM. No one is holding a gun to yohr head saying must buy from only FSM/eUT.

just freaking open the eUT thread already and go over there. it is geting irritating talking about silly service charges when it is repeated multiple times every month. mind you it's talking about platforms not UT in general so don't give me the bs about it under the same topic

even in stock exchange the traders opened their own thread after there was an argument between investing vs trading. like wise do it if you have the balls to. other than that keep to the topic which is fundsupermart

No, it reflects on your one-tracked mind and intention to stear or channel public resources for you own preference. 

just remember this saying / advise when I read business management articles many decades ago.... which I think is applicable to UT too (to be on topic  )

If one can gives me chicken, I should not be hesitates / grumbling in giving him drumsticks....
(in business sense) If a staff can perform or provided a satisfied environment, I don't mind paying him more.
(why I don't mind...bcos i got more compared to him)

(in UT sense) If the entities can provides me with a satisfied investment environment (which includes: service, knowledge, responses to queries, well maintained platform, sense of securities, etc, etc) for my investment needs....I should not be hesitate / grumbling in giving that entities what they wanted.
(why I don't mind....bcos i got more compared to them)

in short...maybe not directly relevant..."If you pay peanuts....you may get monkeys"

Kind of not morally corrects (but some people think they are smarter by doing it)....
(some of you noticed that to or are doing that too)...it happened, are happening and will continue to happens..
The Tesco has carpark,...some people use that carpark to park their car BUT did not shop there...they just go next door to shop/eat.....
Do you think they are morally right?

yes...that is true to some people...the reverse is also true to some people....just like buying pirated dvd....

When you are calculative in numerical value....and are fixated in minimizing the numeric value.....there is a limits to where you can go.....but if you focused on %....the results would be much better....
When you are able to spend the numeric value that does not affect the budgetted % if expenses.....you will know.
There are people who can hv a nite out that costed more than a year of parking charges......while to others it us their child's food for a month.
I once had an accontant taking over a company while the boss is on leave.....she is too fixated in controlling cost....reduce tis, cut down on that, etc.....she forfet abt the % of effect that can improves....
Sales was affected bcos no beers during entertaiment nites out wuth customers....
Guess she did no know abt "if someone gives you chicken, don't hesitates to offer him drumsticks"

I will recommend anyone who is holding Affin Hwang Quantum Fund to dispose of it tomorrow. It holds a substantial number of shares in IWCity. Watch as the stock hits limit down for three days in a row. Be warned!

get out from the thread. you are not welcome here with your stupid predictions

I have a question.

I am trying to plot Fund Allocation into excel by country for AH Select Bond fund. From the factsheet i only see the currency exposure portion is sorted by country.

Is the "before hedging" % the correct value to use?

Separately what does it mean for the "After hedging"?

Some of the "before hedging" is in USD currency. But I cant really put it in US country column because obviously the fund only invest in Asia Pac

What is your opinion on this?

Mind to share the link? 

Do you guys think Eastspring Investments Global Emerging Markets Fund is a solid choice for top-up on top of my current Aggresive portfolio?

Asia Ex-Japan Equity 35.7%
Developed market Equity 28.2%
Malaysia Equity 20.1%
Asia Ex-Japan Fixed Income 16.0%

In fact I think am lacking small cap in my port but EI small cap has soft-close so I don't really have any Malaysia equity in mind, I already have KGF and EI equity income on my Malaysia exposure, any suggestions.

Side note, just went to FSM SG seminar again yesterday, it's going to be a quarterly review thingy now, basically, yesterday they explained the reasons behind the recent port rebalancing and the reminder that market going to be a lil bit slower starting from Q3.

Can I know which Interpac are we talking about, Dynamic Equity or Dana Safi? BTW why KAF Vision Fund is not being mentioned anywhere in the thread, is it bad? I was reading the article from FSM about alternatives to EI Small-Cap and I came across this KAF fund and the returns looked great albeit at high risk

Anyone know why RHB Emerging Markets Bond fund dropped and flatlined over last few weeks?

any input on rhb islamic bond fund? since like hardly moved for the past 6 months (<2%)

Correct me if I am mistaken but isn't ASX capital are protected by PIDM? That is a positive point for them..

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.

Not protected by pidm?!

MYR 2K?

Usual UTF min participation is MYR 1K. Hence best bet or best bang for the buck:

Just dump into 50% Esther        Bond plus 50% into Lee  Sook Yee's      Equity fund, relax and come back again when you have more moolah!

Xuzen

Yar yar! I recall speaking to a tax agent before ( many many years go ) , if you use your business money to invest in non - core activity , there are negative tax implications. I cannot recall at the moment the exact mechanism , perhaps our resident tax agent aka Dasecret can shed some light.

The rationale is a registered company is there to do business that it is registered for , and when she stray away from its core business activity , there will be tax implications. I need someone more into this line to advise .

Xuzen

Directly = NO

Indirectly = Yes, through KWSP

Must be the secret admirer of Avangelice just created a new nick to post this. Why lar so difficult to say this using the old nick ? 

btw I checked my app. where you got your 2.6%?

[attachmentid=8827274]
didn't see that. I'm touched that someone created a new account just to talk to me

which fund brought you down? mine just went up.

Its my port in FSM SG, mainly S&P500, Blackrock Asian Growth Leaders A2 USD, Neuberger Berman US Multicap Opp A USD1 Acc and some others which were green before but now less greener. And the bleeding continues today, bravo.

Yeah me myself usually just look at the overall portfolio gain/loss instead of individual funds since I don't have any control over my choice. BTW sharp drop again, my gains are 50% from what it is 2 days ago.

There is also a TA BRIC and emerging market.

Yes, it seems there is no direct brazil fund in FSM.