We based Malaysia 1 very little have FSM sg so no point to compare.

See reasons above. Btw I think if we want to discuss SG UT, let's head to FSM SG thread.

FSM SG 0.1%/quarter platform fees
POEMS SG 0% SC, 0% platform fees, 0% switching fees

Why should I pay FSM MY if the funds they offer are not as good as their SG counterpart? Also 2% SC vs 0% SC is a lot of differences. Doesn't make sense to me.

Your choice. If you buy funds from FSM SG, you wil get less support as the FSM SG thread is almost dead. No activity unlike FSM MY thread. However if you want to cheaper option over long term, go with POEMS SG. Do your own research. I started from here. Learn more or less everything I know from this thread, took the SG govt exam for UT investor and passed it.   

Once you get the basic, it's more or less the same thing. The only person active over in FSM SG thread will most likely be me, AIYH and dasecret unless more of you guys joint us over there (Avengelice, xuzen, puchongite, T231H, etc)  

I am still coming back to FSM MY thread for info  (remember it's universal)

For me, buy from POEMS SG, use info from FSM SG.

Here's FSM SG thread: https://forum.lowyat.net/topic/3757612

I would, but how would you mitigate forex risk?

I would, but how would you mitigate forex risk?

True also. Didnt thought of that. Forex already set us back few %

From what I remember

RHB Asian Income Fund
Affin Hwang Select Bond Fund
Amasia REITS
Manulife India
TA Global Tech
-*not sure if he added Manulife US or not.

xuzen, do you hold manulife US or you just hold TA global Tech?

1) SGD will appreciate over time against MYR. That's the cold hard fact.
2) I am not removing the stuff in SG unless necessary (forecast min 5 years holding)
3) If SGD drop drastically, will change more SGD
4) If SGD keep rising, just keep until I have lump sum, change/TT one shot.

So the only risk I can see is my MYR will get me less SGD over time. So time is if the essence for me here.

Just last month SGD was only 3.12x. Now it's already 3.138. So much difference in one month. After you get SGD, you will start earning SGD which will help to cover your forex risk.

Hope this answer your question.

You have no way of knowing that, unless you can tell the future. If you really want to say that is a fact, I will need to borrow your time machine even so there might be the possibility of alternate timelines...

50+ years of history is all I need + the fact SG govt policy towards foreign company + HK is making it hard for US companies to set up shop, so more US companies will flock to SG.

I am holding TA GTF. However, let me repeat, TA GTF and Manulife US equity are both good fund. Can choose either one. As for me, with a click of a button I can switch to either one at zero cost. So, it is not an issue with me.

As of now, I allocate 10% on US exposure only, previously was 15%.

Xuzen

how come no switching fee? newbie here

How come no platform fee for SG? How they make money if no fee?

You sure switching is free for intra AND inter fund? I read the pamphlet for some CIMB SG funds and they all got 1% built-in switching fee wor...

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.

poems sg also have 0.5% switching fee, dont forget about that

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on a side note AmAsia REITs in my portfolio is the least performing fund eventhough I had it for longer than most of the funds I purchased post trump

Is it wise to take out EPF Account i and invest into Ponzi 2.0?

Is it wise to take out EPF Account i and invest into Ponzi 2.0?