QUOTE(coyouth @ Oct 23 2023, 10:36 AM)
Nothing π€¦ββοΈ compared to KWEB, MCHI or FXIFundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D
FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D
|
|
Oct 23 2023, 01:24 PM
Return to original view | IPv6 | Post
#81
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
|
|
|
|
|
|
Oct 24 2023, 01:06 PM
Return to original view | IPv6 | Post
#82
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(zebras @ Oct 24 2023, 09:20 AM) You can bottom fish π€¦ββοΈ but I wouldnβt because CCP under Emperor Xi with its inconsistencies in policies π€¦ββοΈ he can yield the power anytime if something not in his favor The only company in China I am very firm believe now is CATL but is very high in valuation atm |
|
|
Nov 2 2023, 04:46 PM
Return to original view | IPv6 | Post
#83
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
|
|
|
Nov 4 2023, 02:45 PM
Return to original view | IPv6 | Post
#84
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
|
|
|
Nov 6 2023, 12:35 PM
Return to original view | IPv6 | Post
#85
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
|
|
|
Nov 7 2023, 02:33 PM
Return to original view | IPv6 | Post
#86
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(terencehihi @ Nov 7 2023, 11:48 AM) Still worth to try ? the Fee is RM1 permanently. You need to calculate properly because it is still 0.08% π€¦ββοΈ rm1 is just a bait onlyInvest in US & HK ETFs with FSMOne Regular Savings Plan from just RM1 processing fee! FSMOne is happy to announce that we have slashed the ETF Regular Savings Plan processing fee for US and Hong Kong ETFs to just a minimum of RM1 or 0.08% per RSP contract starting from 1 November 2023, permanently! |
|
|
|
|
|
Nov 9 2023, 12:04 AM
Return to original view | IPv6 | Post
#87
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(zebras @ Nov 7 2023, 04:56 PM) assuming invest RM1000 Brokerage is cheap but you have factor in FX spread π€¦ββοΈfsmone 0.08% or RM1 = RM1 IBKR Pro - Fixed min USD 1.00 = 1 USD ~= RM4.6 IBKR Pro - Tiered min USD 0.35 USD = 0.35 USD ~= RM1.6 rakuten Between 700.00-9,999.99 RM9.00 = RM9 mplusglobal min fee 3 USD = 3 USD ~= RM14 QUOTE(abcn1n @ Nov 8 2023, 05:40 PM) IMHO, this is really a good strategy by FSM Malaysia. It allows small investors to get in and/or people who want to invest very frequently and regularly. RM1 is way better than USD1. Yes it is cheap but the FX spread is high π€¦ββοΈ that is where is they earn money QUOTE(Avangelice @ Nov 8 2023, 05:44 PM) You need to check how is the dividend tax on the US etfs sold on the platform. Through ramjade and the other guys they pointed out that us etfs are taxed 30% Yes US ETF are taxed 30% unless your brokerage is willing to claw back WHT is eligible hence why it is recommended Irish domiciled ETF for tax efficiency QUOTE(Avangelice @ Nov 8 2023, 07:41 PM) I was like you until I got burned by fsm managed portfolio, started to get turned off by fsm and decided to pull all my funds into cspx. You got burned by their aggressive portfolio is it? π€¦ββοΈBTW vuaa is the etf that suits what you need. It is Irish domiciled with div reinvestment plus it allows fractional shares. Their portfolio management is inconsistent hence why |
|
|
Nov 10 2023, 02:33 PM
Return to original view | IPv6 | Post
#88
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(tadashi987 @ Nov 9 2023, 12:34 AM) Well letβs verify with fact Donβt factored in cash conversion only π€¦ββοΈ factored including the final cost of trading instead as it will be higher π€¦ββοΈI just tried with FSM cash account 5000MYR I can get 1059.70USD Wise (if use IBKR you gonna use Wise to convert SGD anyway), I get around 1060.69USD FSM spread is not that bad and almost on par with WISE per se QUOTE(abcn1n @ Nov 9 2023, 12:38 PM) Wonder, can we convert 1 huge sum from RM to USD, then slowly/regularly FSM takes from there (the USD converted already) each time its time to invest. If so, can convert 1 shot when the exchange rate is good. Not sure how it works for FSM Red figures for managed portfolio not due to China or REIT π€¦ββοΈ the whole entire portfolio selection is horrible because horrible funds that they pick which underperforms badly particularly China and US funds π€¦ββοΈ the only one which is still green is their bonds and healthcare funds which constitute about less than 20% of entire aggressive portfolio I think have to see what funds you invested. If there's China funds or reit funds, then can understand the red figures. Err...getting confused. You are converting to USD1k+. How come suddenly got USD390.88? Also why got processing fee USD3.8? I thought processing fee just RM1? Processing fee is not fixed π€¦ββοΈ it is starting at rm1 and it goes up based on trade amount coyouth liked this post
|
|
|
Nov 12 2023, 02:48 PM
Return to original view | Post
#89
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(zebras @ Nov 10 2023, 05:09 PM) of course it is not fixed, every broker fee is structured that way, https://secure.fundsupermart.com/fsm/cash/f...-exchange-ratesit is simple calculation, just compare it against every broker with the investment amount u are investing regularly, and u get to know which is more competitive, and please provide fact supported with data, every broker has cash conversion involved, so please enlighten us on the competitiveness of cash conversion fx rate across broker too, i believe there are replies above stated fsmone fx rate is as competitive as wise No need to compare as it is already at least 1% π€¦ββοΈ higher live rates π€¦ββοΈ and no doubt it impossible to be lower than Wise |
|
|
Nov 21 2023, 12:02 AM
Return to original view | IPv6 | Post
#90
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
|
|
|
Nov 21 2023, 10:47 AM
Return to original view | Post
#91
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
|
|
|
Nov 22 2023, 12:28 PM
Return to original view | IPv6 | Post
#92
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(tadashi987 @ Nov 21 2023, 11:42 PM) It seems like Wise does successfully 'trick' people by offering better rates, but incorporates the margin into the fee layer Donβt forget FSM will used that method π€¦ββοΈ to incorporate other fees which many donβt realised as well as it is still cheaper to buy in IBKRfor FX, people need to understand that the simplest way of comparison is how much you received after conversion, not merely about the rate itself. |
|
|
Nov 22 2023, 03:46 PM
Return to original view | IPv6 | Post
#93
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
|
|
|
|
|
|
Dec 13 2023, 02:24 PM
Return to original view | IPv6 | Post
#94
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(zebras @ Dec 13 2023, 02:17 PM) Nothing to special to go π€¦ββοΈ basically it is just marketing and most of the funds are underperforming still in the current market π€¦ββοΈ |
|
|
Dec 14 2023, 03:34 PM
Return to original view | IPv6 | Post
#95
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(zebras @ Dec 13 2023, 02:57 PM) At least they improve 5 year track record but before 2018 was bad QUOTE(virgoguy @ Dec 13 2023, 04:39 PM) if now go in would it be too late? At least you recover a bit but still lose 2/3 from ATH π€¦ββοΈAlready kena by Affin Hwang World Series - Global Disruptive Innovation Fund 2 -3 years ago. Still thinking whether to continue hold or switch fund. |
|
|
Dec 14 2023, 04:29 PM
Return to original view | IPv6 | Post
#96
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(virgoguy @ Dec 14 2023, 04:16 PM) ya still losing -65%. That why I am still thinking whether it is worth to hold on or just switch it out for other fund If you can be patient why not because ARKK should be recover give it another 10 years At least they did recover this year but your timing seriously buying at the high |
|
|
Dec 12 2025, 05:20 PM
Return to original view | Post
#97
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(2387581 @ Dec 9 2025, 01:24 PM) Is the WAWTI event rebranded as Invest Expo happening at Pavilion Exhibition Centre Bukit Jalil on 10 Jan 2026? No more Sunway Convention Centre? Yes basically not an invest expo but more sales fair with unit trust fund π€¦ββοΈ pushing to sell their funds at a lower sales charges Forget about going there as it is waste of time comparing to MooMoo fair which give better insights |
|
|
Yesterday, 03:56 PM
Return to original view | Post
#98
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(john123x @ Dec 15 2025, 03:03 PM) guys, I am quite depressed. Simple donβt buy fund π€¦ββοΈ do you know that how underperforming the fund manager is while you still paying their salary through annual fee24 May 2021, I brought Principal Greater China Equity Fund - MYR and AHAM Select Asia Pacific (Ex Japan) Dividend Fund - MYR. Until now, I havent even break even. I am very disappointed This is the actual return: Principal Greater China Equity Fund - MYR : -16.52% AHAM Select Asia Pacific (Ex Japan) Dividend Fund - MYR : -17.17% Luckily, its a small amount or else I already jump off the building The fund will break even just give another 5 years but it wonβt grow a lot for the next decade hence why you need to check their 10year performance |
|
|
Yesterday, 06:20 PM
Return to original view | Post
#99
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(buffa @ Dec 15 2025, 05:13 PM) My personal experience. Any low expense ratio and high liquidity index fund will definitely outperformed UT π€¦ββοΈ because UT is highly reliant to the emotional fund managers who cannot manage their emotions especially when bear markets I bought unit trust in FSMOne few years ago. After a year, i sell that unit trust at loss. Put the money into VOO. The best decision i did, VOO earn back my loss. Index fund are devoid of such because it is tracks the market hence it is once buy forget it and gain later |
|
|
Today, 02:45 PM
Return to original view | Post
#100
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
4,686 posts Joined: Jan 2003 |
QUOTE(negayem @ Dec 16 2025, 10:05 AM) We are on the same boat. I'm depressed too ... Good stay away from agents π these so called opportunity fund is nothing but at the mercy of the fund manager as most of them are not performing hence why they are losses2nd Sept 2021, I bought AHAM Select Asia (ex Japan) Opportunity Fund - MYR (SAOF). Negative since day 1, now at -10.01% 2nd Sept 2021, I also bought AHAM World Series - China A Opportunity Fund - MYR Hedged. Negative since day 1, now at -27.2% Now i'm not on talking terms with my agent. I have some China funds but yet it is manageable losses under 8% |
| Change to: | 0.0652sec
0.64
7 queries
GZIP Disabled
Time is now: 16th December 2025 - 08:52 PM |