ok the FSM team called back and suggested the below workaround, which i thought was quite good.

go to Trade and under the filter, choose "Current Holdings". then we can see the below screenshot. from there, we can confidently click "+" to top up our existing multiple funds


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wow, does anyone here know why AmanahRaya Syariah Trust Fund beats all other local Fixed Income funds on FSM by a mile? I'm comparing the 2Y, 3Y & 5Y returns, all no fight. now at a time when the Bond Pricing Agency M'sia (BPAM) shows the bond prices are dropping, this ASTF pula just keep going up. very impressive.

the obvious answer is their bond selections are doing very well but how did they manage to select the correct bonds vs other bond fund houses? is it the awesome fund manager? their shariah compliancy? strong relationship?

i picked AmBond on the basis that it is the best performing fund with no shariah 'limitation'. obviously now i'm second guessing my choice

Yay, can use fingerprint to login the app alrdy!

Looking at the Fund Factsheet, I not very comfortable investing in countries like Turkey, Kazak, Paki or Russia, altho one can argue the weightage on the low side for these countries. But I more than happy to invest in China, Korea, Taiwan & HK tho.

So in the end, I stay with Principal Greater China, haha.

Yea I kinda thought so too so I used the FSM chart function and plotted Principal Greater China and Emerging Market Opp to answer the question.

The Greater China fund beat the Emerging Market Opp for 1Y, 3Y, 5Y and 10Y period. I mean, we won't know what the future holds but historically, it's not looking good for Emerging Market, haha.

But 4% in 6 months means about 8% p.a. That is quite good!

How much % p.a you aiming for?

sigh, i did say that when this fund eventually comes to FSM, i would straight away allocate 10% of my portfolio into this fund as a 'gambling' portfolio. now that it's here, I still no balls to pull the trigger

the main doubt for me is that a lot of the fund holdings are not currently profitable and picked based on potential.

i think i'll just sit in my little corner and think summore until the fund goes up another 30% before i decide to enter, haha!

i've seen this news come up and i'm very intrigued. simply looking at AmanahRaya's 4x funds and their 10yr annualised returns:

- AmanahRaya Syariah Trust Fund: 5.43% p.a. for 10yrs
- AmanahRaya Unit Trust Fund: 5.18% p.a. for 10yrs
- AmanahRaya Islamic Equity Fund: 1.03% p.a. for 10yrs
- AmanahRaya Islamic Cash Management Fund: 2.73% p.a. for 10yrs

i kinda think it's doing fine, not great, but just fine. Sure the AIEM kinda sucks but the fund size oso very little oni at RM9mil, shouldn't affect the overall company performance. For comparison the more popular ASTF fund size is at RM415mil. pretty sure i've seen funds that do much worse and not get called out on in the news.

or is the news saying that they have been fudging the numbers? ::dunno::

maybe someone in dis forum can share a bit, haha.

Very awesome portfolio! I can see you going super aggressive which is fine at your age. A bit jeles I kenot, haha.

Your current allocation very heavy into HK/China and US Big Tech & Disruptive Tech. I'd add US/Global Equity into the mix to make your portfolio properly all-rounder. I personally am invested into UGQEF but I suggest you take your time and look into the factsheets of each funds below to see which one you most comfortable with:
- United Global Quality Equity Fund
- Affin Hwang Global World Series - Global Equity Fund
- Principal Global Titans Fund
- Franklin US Opportunities
- Manulife Investment US Equity Fund
- RHB US Focus Equity Fund

I did notice you asking for specifics like healthcare or gold. If you wanna go into those, then maybe you can invest into a US equity fund first then reduce a few % here and there in your funds and add summore the gold & healthcare fund?

yea, i'm all about having focused funds. unit trust investing can be quite mundane so it helps to add a bit spice in the bowl.

my method is to keep your bases covered with US & Asia large caps and have it make up like 30/40% of your portfolio. The Asia large cap, you alrdy covered with Affin Select Opportunity. You just need a US/Global large cap fund and you're set.

then the rest, you can allocate into more focused/speculative funds like RHB Global AI, AmChina, TA Global Tech, Healthcare, Gold, etc. Any fund is fine as long you BELIEVE in it. Healthcare dips 20% and remains down for 2 years? It's ok, coz you BELIEVE that healthcare will prevail eventually and you will hold and add money into it.

anyway it's great that you have started looking into this as a fresh graduate. you'll do fine

It's looking good. As some have pointed out, the Asia ex Jap may overlap a bit with Greater China & Emerging Markets. So if you're looking for more diversity, you could reduce them and put more into Global (US Focus). But if your intention is to really bet on Asia/China this year, then I'm all for it.

Below is mine for reference, no change to my 2020 allocation (for now). My only sector funds are US/China big tech, APAC REITS & ASEAN small caps. Others two funds (UGQEF & PGCF) are more geographical:

1. United Global Quality Equity Fund - 28%
2. TA Global Technology Fund - 25%
3. United ASEAN Discovery Fund - 19%
4. Principal Greater China Fund - 15%
5. Manulife Investment APAC REIT Fund - 14%

Am still very tempted to put 5 - 10% into Affin Disruptive

I invest in REITS to scratch my property investment itch. So i don't something silly like buying a RM700k condo to only be able to rent it out for RM2k and have barely enuf to cover the monthly repayment

But on a more serious note, i think (and feel, and forecast, and predict) that the demand for commercial property will return to normal once the COVID pandemic is over.
- retail & shopping: shopping malls were crazy packed when the lockdown was lifted. doesn't seem like demand slowed down after the virus.
- office: i think bosses much prefer to physically monitor their workers rather than have them work at home.
- industrial: sure AI is the talk of the town but hey, stuff still needs to be made for an ever increasing population right?
- logistics and warehousing: the rise of online shopping and increasing ease of buying stuff from anywhere in the world is gonna help spur this one

again, this is all based on 'think' and 'feel'. for every 50 articles out there that talks about the bright future of REITS, there would be another 50 articles that says REITS is inching away from its deathbed. so what's a man to do but to just go with his own instincts

hey guys, i think this has been asked to death already but i can't seem to find the answer. hope you guys don't mind.

does anyone have a real-life experience of withdrawing from the RHB Cash Management Fund 2 direct into your bank account? It says T+2 redemption time on the fund fact page but just checking if it's really accurate (or faster, or slower) better yet, if you have a record of exactly what time you made the withdrawal request and what time you got your fund in your bank account

there is a hidden agenda to this. i'm trying to weigh my options between keeping my cash in RHB CMF versus the new Versa app, which promises T+1 (even T+0 if withdrawal request done before 12pm).

Thought this is a fun anecdote to share. So i hit "Gold" status on FSM some time in 3rd week of Jan when my total fund value passed above RM250k while the market was on overdrive. I think max was about RM254k or something. Then it started to drop.

Today it dropped to a point where my fund total value is back to RM249k and immediately got relegated back to "Silver" status, lol!

i'll just put this here in case anyone may find this info useful about withdrawal times. I withdrew from AmBond Fund:

Withdraw Requested: 26th Jan (Tue) at night.
Cash in Bank Account: 4th Feb (Thu) at 2:30pm.

So taking weekends, Thaipusam (29th Jan) and FT Day (1st Feb) out of the calculation, looks like the withdrawal time is T+5 days. I think it could be T+4 days if I made the withdrawal request in the morning.

Ah knew I forgot something! I think coz I placed the order so late on 26th, they locked in the NAV for next day (27th).

i see you are into those super volatile equity funds (AmChina, RHB Shariah China, AHW Next Gen, AHW Disruptive) and those, understandably, are experiencing major highs and lows. my two cents is that this huge correction has been a long time coming, especially for the above volatile funds. looks like some of NAV has hit or went below 1st Feb NAV which again, is expected. did you recently started investing in these funds or it has been a while? if you have held them for a while, these 'huge dips' are actually quite small compared to the overall gains you would have gotten in the past few months.

as to whether to 'buy the dip', i'd say if you still believe in these funds, just go for it man. anyway, you have some fixed income funds (AmDynamic, ARSYATR & CTLWAFQ) to keep your portfolio keep you sane.

for those curious about when they will launch the ETF (and stocks!) offerings on FSM Malaysia. see their reply to my email

it's coming in 1 - 2 months' time in FSM Malaysia. yay!

i did also ask if they offering Malaysia ETF and/or the more popular ETFs on NYSE but looks like they avoided the question.


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if it helps a little, the drop in Principal Greater China is coz of income distribution some time in 3rd March. it caused a 3% - 4% drop in the fund. once the income distribution comes in, expect the fund to go back up 3% - 4%

but yea, hang in there man.

the income distribution will automatically be re-invested to the same fund by buying up additional units. no sales charge will be incurred.

about the timing, it varies from fund to fund. from experience, some takes less than 1 week, some takes 3 weeks.