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.  

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

https://www.forbes.com/sites/robertberger/2...s/#757d1ea35290

Interest rate vs bond

Still depends on what types of bond does the fund invest in

For example, high yield bond funds is less impacted by interest rate compared to normal bond funds because high yield bonds tends to be factor more by the underlying bond credit risk (since they invest in lower credit rating companies)

Shorter duration bonds also less impacted compared to longer duration bonds since they mature fast and less impact on their valuation

Been investing in FSM for 6 months. Now my ROI is 6%. Not sure if its decent

What is the average ROI we can expect from mutual fund investment? is 10% annually consider average?

then are they in the recommended list?
lower risk, better returns than ATR )ATR is in the list)

so Mr Ramjade is a HNWI
:thumbsup:    to him

I think they have "declaration" requirements and the high minimal sum too.

haha true , true ... but i also take ya'll advise that we need to understand what we are investing in and the risk.

was at a talk by EI Mr Chen last nite ....

he said,
Asia pac is a good area to focus more allocation in the next 3 yrs (maybe that is why he is promoting that those funds)
M'sia is stabilising after 2 yrs of negative environment.
(can hv some growth)....in which Small cap segment is a better bet b'cos the valuation is still lower
he is also seeing improved oil, export figures and CPO prices....which is good for m'sia.

short term immediate concerns is the large chuck of MSC maturing this month and next month (>RM10Bil)
the this month one matured without much incidents,...if next month one also then it is a good sign.

so I went explore the wholesale funds since we are 'qualifed' to invest in it.

Just for discussion sake, Wat do you think of AFFIN HWANG ABSOLUTE RETURN FUND II vs AFFIN HWANG WORLD SERIES - GLOBAL EQUITY FUND - MYR as a wholesale global fund? say if you have MYR 100k, which one will you choose?

personally, I i would pick the former because (correct me if i'm wrong)
1) its actively managed
2) they have a performance fee, which means they have incentive to perform,
3) the fund has been around for quite some time and survived a some recessions.
4) presence of redemption fee: it means your fellow investors will think twice before selling. this in turn lowers the volatility for the fund.

the problem is however, the lack of ability to average down (since only 100k is available, which is the min requirement) so if one only have 100k for this fund, he has to brave the storm in a downturn. then again, given the whole world to invest, the downturn shouldn't be that bad anyway for a seasoned fund.

*on a side note, for my real portfolio, im gonna top up ponzi quantum

Ponzi 2.0 and Great China potentially have 1% SC promo soon?

Dragon fund was under promo back in 2016 so u don't think so.
wah you so smart! not being sarcastic. that's a cool trick

If and when they introduce zero percent service charge, I will join back 

Speaking from personal experience and after still being trapped in a private equity fund with a lock in period of 5 years, I would advise forumers here to stay away from them.

This is especially for close ended funds with minimum investment of RM100K with no possibility of DCA to average down the price. In this respect, I should have listened to Sifu Xuzen. 

Please learn from my mistake.