Here you go
https://www.poems.com.sg/utzerofees/

Why no fees? Good question
1) They are having price war with FSM SG. FSM SG thought they are smart by making all their funds with 0% SC so Phillip and Dollardex foughtback by offering 0% SC also plus )% platform fees.
2) 3 is a crowd. With 3 companies fighting for customers, there is no monopoly unlike in Malaysia. Because of 3 companies, SG banks also lower their price. Some banks SC are 1%/0.75%

How Phillip earn money? Good question.
1) They are one of SG main broker. SG brokerage is not cheap unlike Malaysia. Then also have margin trading.
2) FSM have where and what to invest. Phillip SG also have and they charge people for those wishing to attend SGD40/person. But if got promo it's SGD10/person.

These are what I found out.

This post has been edited by Ramjade: Feb 20 2017, 10:08 PM

I didn't see that. Last time don't have. (in January time.

It's not recognised by EPF, can do that?

Btw, EPF did loosen up. Not sure if now can buy Ponzi 2 with EPF or not. Best to ask FSM customer service.

This post has been edited by Ramjade: Feb 21 2017, 10:15 AM

Because he is using warp account kind of normal account with higher platform fees.

Why so many bond fund?
Replace aberdeen with manulife US/TA Global tech/Cimb titans.

Manulife AP REITS

But TA takes the longest for the fund to appear if you sell.

This post has been edited by Ramjade: Feb 21 2017, 10:20 PM

Fsm you kena charge only 2% for service charge. Sometimes even 0.5%.
Cimb you kena charge 5%+. That's min 3% saving.

Not sifu. But let me share with you my story. Used to be 100% promo FD, then move 30% into Amanah saham fixed price. Was planning to move 100%. Found out about FSM so decide to divert the remaining 70% into FSM. Got as far as 30% then realise RM is dropping like dead flies against all currency. Switch my remaining 40% into SGD for SGX. Will move out my FSM portion to Singapore UT. Additionally 10% from amanah saham each into SGX and Singapore UT.

Reason for moving
1) I am trying to make sure inflation don't eat into my money
2) Protect my RM from continuous and futrue decline.

No point earning 5-7% (dividends) in KLSE and see your RM depreciate. Better earn 5-7% (dividends) in SGX and have your value protected. Same with UT. No point earning 10% in MY when you can earned the same 10% in SG.

As you can see it's not fixed. Up to individual prefences and need.

This post has been edited by Ramjade: Feb 22 2017, 06:16 PM

Agreed. That's why whatever returns earned in SG stays in SG unless needed (big event eg. To further my studies).Further injection will be done once I start working.

Collect as much cash as possible then head down. Going down to deposit is really a hassle but save min SGD60/trip (aftet counting transport)

Lol. Find chicken.

See got Big Red D next to the fund.

Some here use CMF because they say is convenient. For me I choose eGIA-i.

My emergency cash is parked in eGIA-i. Reason for choosing eGIA-i over CMF
(i) higher return when compared to CMF at extra 0.2-0.3% difference
(ii) instant liquidity when compared to CMF. With CMF need to wait 2 days for the money to come back into your account.

This post has been edited by Ramjade: Feb 23 2017, 06:02 PM

Excuse me. Only RM1k la.

I choose eGIA-i because it's convenient to me ma. Can or not? I don't buy much UT.

It memang don't perform.
Give only 1.2-1.3% when compare to manulife at 3.6x%. I have both. Same amount. Different time buying

Care to explain how manulife AP REITS is able to beat her? I hold both and manulife is giving 3.6x while Amasia is giving (-). Both same amount. Not sure if it's because of dividend (the negative return). Even if not negative, it's gave ~1.2-1.3% compare to manulife.

This post has been edited by Ramjade: Feb 23 2017, 08:00 PM

The the one with SGD DIST.
https://secure.fundsupermart.com/main/fundi...olnumber=UOB046

3 years volatility: 5.2

This post has been edited by Ramjade: Feb 23 2017, 08:47 PM

If you buy from Malaysia, if you choose MYR class, it cost RM10k. If you buy SGD class, it's SGD10k.
If you buy the same fund from Singapore, it's only SGD1k.

This post has been edited by Ramjade: Feb 23 2017, 08:58 PM

I think MYR. Since AIYH said fund is in USD like ponzi 2 and we all know how ponzi 2 perform, however according to FSM MY, the SGD class did fare better.

Same here. I choose MYR class because starting cost is RM10k vs SGD10k vs USD10k.

This post has been edited by Ramjade: Feb 23 2017, 09:06 PM

No. You must see what happened. Gold and yen are considered "safe asset". So with Brexit, Trump wining, it create chaos so investors flocked to gold and yen. Gold funds can increase/decrease by ~30-75%. About australia, if you follow the AU stock exchange (ASX) thread, you will know that AUD is going up because China is recovering and so-call Trump policies increase demand for steel, etc (construction stuff) and AU being a mining country benefit from Trump "supposedly" as US can't produce all the steel, copper, hence they need to import from AU.

This post has been edited by Ramjade: Feb 23 2017, 09:19 PM

I was talking about before distribution. Before distribution it was 1.2-1.3x while Manulife was at 3.6x%