what's with this new generation of investors that are being spoon fed. also am I the only one worried that they can't even by pass payment methods and what more you can say about portfolio management and diversifying your funds.

bro just follow they buttons. it's not rocket science.

hi guys,

i just started FSM 2 month ago ..

may i know how long it take for RHB EMBF to distribute the income and reinvested back?

I've checked the "Statement of income distribution" but no data available in table.


This post has been edited by Vinzcent: Sep 6 2017, 09:00 PM

may i know how long it take for RHB EMBF to distribute the income and reinvested back?
my guess is immediately on Ex Date ...22 Aug
but usually it will takes about 1~3 weeks to get the extra units reflected in your FSM's a/c

what does it mean by miss out 10 day of best return?
what is the 10 day?

opsss, okkk. thx bro.

sad to heard that. nvm, I'm keep learning here. Anyway thanks bro.

Been lurking a long time here. Pretty interesting when you guys catch and pitch with each other.

Finally took the plunge and signed up for a FSM account, mainly for the reason of PRS but once I've accumulated RM 10K will jump into the managed portfolio (most likely the aggressive portfolio) and get my bearings of all the terminologies.

Now the painful wait for the identity verification to go through.

Appreciate all the (past) insights from all forum members and look forward to eventually catching and pitching with you guys as well. First step into the UT world

Btw any forum members attending the "How to Construct a Winning Portfolio?" workshop during the weekend? I'll likely be there.

A friend of mine feels there will be an obvious bias into the instruments they vouch for, since they only do UTs lol.

Any thoughts?

This post has been edited by AOL24: Sep 7 2017, 12:41 AM

hi welcome to the world of investing where nothing is certain.

i wont be attending those workshops but if you could be a nice guy and give us a welcoming 'tribute', you could give us a summary of important stuff they said there.

your friend is not wrong to say there is bias, it's organized by them for crying out loud, surely they have it to promote their stuff. however, what we see are hard numbers and results, so let them say wat they wan, come back do some research on how true are the stuff they said. you might learn something new that we have no idea about.

ps: joking about the tribute. would appreciate if you could do, but no pressure.

excuse the brother there, sometimes a bit of googling and FAQ might help before asking here. with that being said, usually that is what happens anyway. first time usually are scary in case they run off with your money aka skim cepat kaya. give it 3 days, the thing will move along. did you get an email saying you already made the transaction? if you did, then just wait it out?

Hi everyone, want to know everyone's average YOY returns for UT for the past 3 years?

Because I wanted to 'sai lang' into UT instead of putting my savings into my housing loan account to reduce interest. My housing loan account is 4.2% interest currently. If UT can generate 8-10% per annum consistently and without much additional risk, then I am okay. If my portfolio of UT only can generate <6% per annum, better put in my housing loan as it is a safer bet & risk free. I will most probably put 50% in bonds and 50% in equities.

Of course, I am free to move between UT and loan account when interest rates go up or equities doing bad because nowadays it's so accessible with FSM.

Thanks for all your opinion.

i think much higher chance to get 8-10% annualized than consistently per annum....

Many people said.....never invest with borrowed money.....
But if one can ...don't depend on that money to do things as normal for a few years...then i guess it is save to do ut investment with borrowed money.......try the managed portfolio service for a better chance of success for starters

Not investing with borrowed money. Housing loan is my first house for my own stay. But I can have extra savings monthly after deducting my monthly house installments and have 6 months installments parked in the flexi-mortgage account.

As I have extra savings every month, the dilemma is to put into the flexi-mortgage account to save interest or invest in UT?

If you want...you can try see fsm recommended portfolio...3 yrs 30% roi....at 60% fi : 40% eq....
See if you want to mimik it.
Past performance may not be an indication of future or continue performance....
As commended by forummer funnyface....better chances of getting annualsed than pa.
If focused at pa...maybe results in selling off unnecessary thus lose.

This post has been edited by T231H: Sep 7 2017, 04:45 PM

Is that means PRS without sales charge

PRIVATE RETIREMENT SCHEME (PRS)
Private Retirement Scheme - Moderate
Affin Hwang PRS Moderate Fund 6 9.76 2.29 11.09 20.64 21.64 - 0 Buy this PRS!
Private Retirement Scheme - Conservative
Kenanga OnePRS Conservative Fund 4 5.31 0.77 5.48 11.01 13.59 - 0 Buy this PRS!
Private Retirement Scheme - Growth
Kenanga OnePRS Growth Fund 8 12.94 0.51 12.52 22.06 22.24 - 0 Buy this PRS!

*Disclaimer: i am neither encourage nor discourage to dump your extra cash into UT or housing loan, the below statement is based on personal experience and your result might/will different than me.

Just for you reference, 100k for housing interest is around Rm340 per month for 4.2%
If you dump into Managed Portfolio, you will be LOSING RM1000 the day you sign up, or RM1500 into all equities or RM750 for 50:50 EQ:FI.

Now, if you check back my monthly updates on Managed Portfolio, you can decide yourself if the risk/return is OK for you

Use the funds info tool at fsm my site to see the sc data

IMHO, manage your debt first. For that 6 month installment, that is what, 5-6% (what's the rate now ?) interest avoided guaranteed.
You put that in investment, no guarantees. Could lose more if a crash happens or could underperform.

All PRS if bought from FSM got no service charge.

*Disclaimer: i am neither encourage nor discourage to dump your extra cash into UT or housing loan, the below statement is based on personal experience and your result might/will different than me.


Well, there are multiple ways of viewing it

My personal opinion is, the risk of getting less return than housing loan interest is low. In fact low enough that i would chose UT over HL any time.

Plus, early settle your house wont generate extra income for you as oppose to UT. I would rather pay installment for additional 10 years, why you may ask? The installment amount after 20 years will be nothing to me compare to the return of the 100k that i invested into UT now.

But that is just me, others might see it differently