What if the market continue the rally? You would have sold low

You might also consider the following ASN. There is a thread above. Some FD above can give up to 4.5% or even higher. Again read the thread above.

You can also increase your contribution to EPF. The only problem is liquidity - you can't just withdraw anytime to spend on anything you want e.g. computer, ipad, holidays etc.. You will have to wait till 55 y.o.

And since you are in the fundsupermart thread, you can research and read more about cash management fund, bond funds or some balanced funds. You can check their recommended funds and there is info at their website.

BTW in the personal finance world, savings and investments mean different things. There is a earlier post reply on this.

This post has been edited by ChessRook: Feb 28 2019, 10:06 AM

Am I correct in stating this Nomura i-income fund has no redemption and platform fee?

am dynamic bond fund. I don't have access to my pc right now but from memory it is 6%+ in 2018. the nomura i income is slightly performance but available to sophisticated investors only unless you want to take the risk.

This post has been edited by ChessRook: Mar 24 2019, 11:30 AM

But even if we take the fees, the performance is still better than most bond funds in fundsupermart. if leave the money more than a few years, say 5 years than this bond fund is good

This post has been edited by ChessRook: Mar 24 2019, 11:29 AM

Any good ones you recommend?

thanks let me check lubra asnita

It is all relative. Generally, safer than crypto, P2P and holding a few stocks.

In the universe of mutual funds, IDS is very risky. Just look at the annual report, it holds less than 15 (?), concentrated in the a few industries and the stocks are not in the Main board.

What is your investment horizon? When do you expect to withdraw from fund supermart?

i think the US wants to slow down China rise. US don't want another power to challenge them

I am wondering if china-etf is worth investing through fsm or better go through foreign etf via stasaway or akru?

I mean the fees to buy 3 lots of china-etf is 0.5% and with annual management fees of the etf is also 0.5%, while the robos fees aren’t that far off either for example, akru has .7% annual fees. Did i make a wrong assessment here?

This post has been edited by ChessRook: Mar 25 2021, 05:24 PM

Thank you both for answering

Hmm...still too early to tell how it will go. Kinda reminds me of 2018 when all my port is red. I just invest as normal.

PRS is based on UT. For example, kenangaOnePrs is a feeder to Kenanga Growth Fund unit trust + Kenanga bond fund

I would go for PRS first before UT funds because of the tax dedcution of max rm3k

This post has been edited by ChessRook: Mar 27 2021, 12:23 PM

Anyone know what happen to RHB islamic bond fund? YTD is -11.04%. I don’t think it is income distribution as the past few years distribution is in September. Any of its bond holdings has problems?

There are also more rhb bond funds that are affected by MEX II. Anyway, I disinvest all my rhb islamic bonds. I just have to cut my losses. Aiyah, luckily my investments are not much.

Just wondering why put into mining fund? Which mining fund?

I think the drop in performance of these funds is due the MEX I capital sukuk. See this report

https://www.fsmone.com.my/funds/research/ar...sukuk?src=funds

I also notice that some of these funds have overexposure to this sukuk. For example, RHB Smart Income Fund has 50%, RHB Smart Balanced Fund 20% and RHB Kidsave Trust 20%. I just don't understand. A UT is suppose to diversify. One is paying a good amount of annual expense of the fund to balance out and reduce exposure of their investments. A downgrade of an issuing company of a bond should NOT have such a huge impact. I can accept not more than 2% exposure but seriously 50% exposure

I think if the RHB funds that focus on 100% equity or 100% foreign bond funds shouldn't be affected.

This post has been edited by ChessRook: Apr 3 2021, 11:22 PM

What does anyone think of AmanahRaya Syariah Trust Fund? How risky is this fund compared to let say Ambond? I am thinking of investing some money into this?

Thanks for the answer. I am wondering about the trust fund part of amanahraya. How does one evaluate the risk of trust fund? Ambond doesn't have that trust fund.