Correct me if I am wrong. If I bought these EM and Asia during 2017, I must sell it in 2018 during its highest time instead of keeping it for another 5 years since they might not reach their peak again?

any good epf fund to invest? my current EI Small cap already tutup..

  I got PRS with those funds... not sure want to add more of it through EPF 

I shall initiate.

I'm from Group A. Not much of return as yet. Just started investing with FSM this February. Previously was with the Public Mutual loser with disappointing results (-ve returns) for 3 years.  So far, ROI since February with FSM is 5% with DCA. Not too shabby for a 5 month old portfolio. Only wished I had come to FSM sooner.

No bubble is burst here.  Well done!
If you have invested in stocks and been actively buying on dips, probably you would have higher returns with less sales charge involved.

You got 12% return ? I am surprised. You bought Amasia reits and united high yield bond both are non performing. Where do you get the 12% from ?

Maybe DCA is more for bond fund which doesnt fluctuates alot?
Anyway it all depends on situation and personal financial status.

sing to the tune of "Santa Clause is coming to town"

You better not late
you better not hesitate
you better not don't register
for Someone pretty is coming to town

cc: xuzen's   

better make a date to hear what she is abt to say about the future of Amreits...

https://www.fundsupermart.com.my/main/resea...-2017-2018-8525

I can say the season of EQ is almost at its peak and may come to an end near end of this year.  I would suggest you to take both greater China and India at 5% to 10%  each

don't fall in love with the fund or its' fund manager 
her "figures" maybe nice to look at      but her fund's figures wasn't
btw, any idea when she took over that fund from Andrew Wong or she was the one that handles it all this while?

Hi Wanna know, if you topup via FSM, is there any sales charge?

1st time user still have discounted sales charge for all funds?

Btw, regards to the RHB CMF2, that one is without sales charge right?

Okay, so let me summarize see if it's correct?

Bond Funds are exempted from salescharge.
Ie. 0% sales charge permanently as I read (that includes CMF).
You miss out that all bond funds will have platform fees of 0.05% per quarter (which means you will be charged 4x/year and the amount charged will increased as the value of the bond fund increases). To get around this platform fees, buy bond funds from eUT worth min RM5k whenever they have promo and you don't service charge/platform fees. It's up to you.

During non-promo period,
New users normally given discount of 1% sales charge (for 30 days) instead of 2% which apply to old customers for funds that are not 0% sales charge.
Yes that's right. It's no longer 2% Now all users get 1.75% after FSM decrease it from 2%

For promo period, for example now till start of Aug,
all customers enjoy 0.8% sales charge for funds which have a sales charge.
Only applicable for promo funds. If the funds does not have promo, you get new member promo charges.

Ringgit outlook will become more positive: US$1=RM$4?

What’s interesting about the ringgit is two parts: first, its sensitivity to the broad movements of the US dollar, whereby Malaysia was (earlier) faced with the challenge of a strengthening US dollar. But our view is that the US dollar may actually soften a little, so that will take away one big headwind for the ringgit.

“The second part is the intrinsic ringgit factors – the ringgit is still as about as inexpensive as it has been since the 1997/98 Asian financial crisis, so it will take a lot of new bad news to push the ringgit lower from here,” Manpreet said at a briefing on StanChart’s global market outlook for the second half of 2017.

He pointed out that RM4.2 to RM4.3 per US dollar would be a fair target for the remaining part of the year.

Read more at http://www.thestar.com.my/business/busines...JwGoU7fJMCr8.99
Maybe it answers your questions...

Wat others say?

In view of previous negative feedback, I shall refrain from giving direct figures. As u mention, genuine question, I am 90% invested in interpac. With 10% invested in a relatively safe fund.

Please do not attack me. I am scared of forum members senseless killings due to what they so firmly believe.

Everyone should stand firm in what they believe and there is no right or wrong. Different people has different risk appetite and investment goals. I respect those who wants to buy, hold, diversify.

I know they cannot respect my view and will not subscribe to my "speculative", "dangerous", "poor advised" actions. But I do not need advise, I don't ask for advise and will not follow any advise. My research is my own and my own alone.

In the spirit of hahacat, I can only share in my personal opinion. No.1 fund to invest in the next 6 months is Interpac. No.2 fund is KAF tactical. No.1 region is China/greater China. Let's give it 6 months before attacking me again to see if I am right.

And maybe if it is a sincere question. Hahacat will appear again on 31 Dec 2017 to give his view.

Can anyone tell me how funds charges works?
-Fundsupermart's Discounted Initial Sales Charge
-Annual Management Charge
-Trustee Fee.
-Other Significant Fees
-Annual Expense Ratio

If can provide a calculation for me to understand.

Based on what you provide me, the charges like annual management fee and trustee fee are charges base on percentage of NAV.
So the fee are calculate by my total value or? And how they charge us the fee? by deducting from the value or we need to pay it externally?

Okay, thank you very much

Btw, do you sifu have any fb group or whatsapp group or others to guide me with my journey?

Be advised. careful who you believe in this forum especially when it comes to someone asking you to place a big gamble into a particular fund or stock. I have seen and heard of invisible hands trying to get you into joining them for their own benifits.

my sincere advise is to avoid the interpac funds as they are currently invested by a few, if they pull out from the fund you may left for the vultures.

stay in the relative safety of many investors in funds that have been tested and tried over the number of years. Why chase returns with unit trust when there are more exciting ventures like stocks.

food for thought.

If I understand correctly, investor money cannot increase NAV price. Not directly. The NAV price increased is still due to the fund manager able to invest in the right stocks.

This is something I wanted to trash out for a long time. Since you mention it. Let's talk about it.

Say you invest RM5 mil into a fund before 3pm. And the end of day, they calculate the latest Nav, taking into consideration of the increase in asset size. How do they calculate it ?

Assume that for the day, the stock asset breaks even, there is no increase in asset from the stock. There is only increase in cash of 5 mil.

Will the Nav change ?

I would say they will make Nav remains the same figure, and then you will get (5mil/Nav) units of the fund. Using the method, the existing holders and the new holder will deem it fair.

If they increase the Nav, then the existing holders "earns" from your new injected money. The new investor will have to get less units.

What do you think ?