Any discussed previously it is only like 0.3% per annum. If you bought Nikko Ark Fund since last quarter of 2020 you would have easily earn >30% already.

What this quarterly platform fee against the good investment returns? The zero percent sales charge is really saving a lot per entry.

If you really want zero platform fees can register eunittrust Singapore.

That's why i ask you to check out Blackrock Next Generation Technology Fund. They are buying into this fund, just like Affin Hwang Disruptive Innovation Fund into Nikko Ark Disruptive Innovation Fund.

There is a reason FSM is charging the platform fees. If you would like to monitor the relevant unit trust say based on specific industries or region, FSM Singapore makes it easy for you to manage your watchlist. When i click China watchlist, immediately everything is being listed out. This will also helps u in managing your top up or to which sector you want to increase your exposure to.

I am not sure how eunittrust layout looks like but from what i gather with eunittrust Malaysia I don't think the platform is that user-friendly for monitoring and investment.

Or maybe you have build a substantial investment, you can transfer them to eunitrust Singapore.

What I am trying to highlight is FSM Malaysia is already losing out in terms of zero percent sales charge not to mention the choices of funds available. I only buy feeder funds in FSM Malaysia that is still subjected to 1.5% sales charge.

Yes definitely i have considered that. Conversion cost is around 0.5% but I m of the view SGD will appreciate MYR long term.

So far the returns i earn from Malaysia unit trusts are not as good as the ones in Singapore.

I am aware of the charges but I agree with you. Not sure I can hold a fund for so long. I think things changes very fast now. We have to constantly change to adapt to market conditions.

i think someone said no extra charges but i doubt so.. hahahah

Blackrock Next Generation is less volatile but if you were to pick one tech fund out of this two, Nikko Ark's performance is better.

However, do bear in mind, market is already at very high value. I own both funds actually with more exposure towards Blackrock Next Generation.

Depends on your strategy but so far i notice Nikko Ark's drop is also more than Blackrock Next Generation. thus far Nikko Ark has retraced few times -10% drop, i would normally top up when it reaches this. So far my Singapore portfolio around 15% since October. I started off with small amount and slowly pumping more.

This is just comparing the same type of funds. Imagine u compare tech funds in FSM Singapore vs FSM Malaysia.....

Problem is our capital market is not so open towards external fund managers, this is because they want to protect the rice bowl of local fund managers or unit trust consultant if you ask me.....Hence we have no choice but to diversify to Singapore.....

I used to think earning >10% per annum is not possible with unit trust in Malaysia but after going into FSM Singapore.... my thoughts changed.

Just showing you guys the screenshot of technology funds in FSM Singapore.. Compare it with Principal Technology, TA Technology, UOB Technology...


Attached thumbnail(s)

What I am trying to show here is there are much more options for tech funds in Singapore, although I would say it would not present not much of a difference if you invest in the feeder funds itself.

For example, if most investors were made known of the Nikko Ark Funds, I am sure they would have picked this fund over Franklin Tech Fund.

If you observe the trend above, since there are correction in Nasdaq past 1 week, all tech funds affected.

Of course it is the trend now for tech. However I have also included specific sectors in Singapore for observation such as renewable energy, future transport, semi-conductors, of which these niche sectors u can't find in portfolio of FSM Malaysia.

Just sharing my opinion comparing both FSM Malaysia and FSM Singapore.

Yes, notice that Affin Hwang brought in Nikko Ark Fund and Blackrock Next Generation Fund.

There are a few other feeder funds as well such as :

RHB China Bond Fund - Blackrock China Bond Fund
AmChina A shares - Allianz China A Shares
RHB Artificial Intelligence Fund - Allianz Artificial Intelligence Fund
Principal Greater China Equity Fund - Schroder ISF Greater China

I learn a lot from FSM Malaysia discussion that brought my attention to FSM Singapore.

Nikko Am has the exclusive rights to distribute funds to invest in Cathie Wood's ark funds. In fact, Nikko Ark has some stake in Ark Management. You don't see other fund managers have this exclusive rights like Nikko Am. Hope this clarifies. Just look at the fund size at Nikko Am Ark Fund think around USD8.6bil to date.

https://www.pionline.com/article/20170804/O...ment-management

This fund was launched in July 2019 and less than 2 years it has grown to this size.
https://secure.fundsupermart.com/fsm/funds/factsheet/NIK002

Eastspring Investment Dinasti Equity Fund, it holds substantial holding in Taiwan Semiconductor Manufacturing (Tai Ji Dian), it is now producing chips for EV vehicles and 5G sectors as well.

Taiwanese love this stock and it is giving consistent dividend as well. One of the blue chip stocks in Taiwan.

I have just recently added this fund into my portfolio as well.

This post has been edited by ky33li: Feb 4 2021, 02:04 PM

It is a very well managed company. I noticed the drop on this fund last week around -10% but it bounce back very quickly. TSM is producing high value chips and it is a forward looking company. Plus it is a cash rich company with low debt, literally net cash position.

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

My portfolio allocation is also based on technology and china specific. Let me guess is your portfolio dragged down by gold?

Yes agree do set a benchmark return you want to achieve. Perhaps work on your retirement number and work backwards on the required investment return you require to achieve every year.

Amanahraya Syariah Trust Fund -around 4% a year
RHB China Bond Fund - around 8-9% a year but solely focus on China bonds

There are better performance technology funds, try to relook at your TA Technology Fund

This post has been edited by ky33li: Feb 7 2021, 09:53 PM

It depends on your risk appetite. Are you willing to take on more risk? For me personally i want to b more aggressive i picked more aggressive tech funds : RHB Artificial Intelligence Fund and Affin Hwang World Series Disruptive Innovation Fund.
https://www.fsmone.com.my/funds/tools/facts...c=global-search

https://www.fsmone.com.my/funds/tools/facts...c=global-search

FI fund are mostly malaysia based hence best performance (with less volatility so far) is Amanahraya Syariah Trust Fund.

https://www.fsmone.com.my/funds/tools/facts...c=global-search

RHB China Bond Fund can refer to this, managed by Blackrock. https://www.fsmone.com.my/funds/tools/facts...c=global-search

It is entirely depending on preference but for myself i wont pick a balanced fund. Either 100% equity or 100% FI. You balanced the exposure yoursef making your own portfolio "balanced". Maybe 60% in equities and 40% in bonds. But mind you most ppl pull funds into equities hence bond returns arent so good. If you were to benchmark against average highest FD let say highest at 2.4%, average one month ur bond fund return should be >0.2%. But most bond funds (except those with overseas exposure) past one month achieved less than that if not negative returns.

This post has been edited by ky33li: Feb 8 2021, 08:02 AM

There is change of fund manager if not mistaken.