Going to dca? Or tutup mata and let it ride in blood?

Tutup mata lah, want to dca still afraid and better park the money somewhere else

Bit regret listening to fsm in Sept last yr to add more China 🤣

the Global Disruption fund is a terrible fund, that exploits investors by funneling their money into an ETF without offering any substantial value or meaningful investment strategy
it is sad that such a fund tarnishing the entire unit trust industry, and this is not the only fund doing these
investors who have been exposed to unit trust with this fund as their first investment are highly likely to lose their trust and refrain from making any future investments in unit trusts.

Just an update
It's been quite a while now since I invested in Managed portfolio Balanced. I've been using it as benchmark for my own DIY.

The result after roughly 6 years is .....

3.2%

Take note I added additional money to make it a round number of 10k a few years later but even that 1 year of FD can outperform managed fund.

You would expect fund managers or the people who does this fund allocation to outperform you since they do this for a living ..... but it shows that even DIY investors can easily outperform fund managers.

That's why don't use FSM to buy S&P500 lo.

I'm happy with FSM and i feel that the fee is reasonable compared with UT (not IBKR).
I have no bad experience with FSM customer service nor ETF RSP.

Only thing to take note is probably there's a fix schedule monthly to sell partial unit (unit less than 1). and make sure you have sufficient fund in the cash account for the RSP.
I think the 0 processing fee is only applicable to buy orders and not sell order. Not sure anyone has any info about fees when selling.

Started RSP to VOO in May 2022 with RM200 then slowly increased to RM1000/month. So far the return is about 12% (note that the market was really good since June 2023).

Btw, this is my own experience and not financial advice to invest. I'm not an expert nor certified financial planner. Just a small duck trying to save as much as possible for golden years. 
Thanks for advice. Probably I'm just lazy to go through the whole process. Now that there's FSM, I'm happy with FSM for now. Will explore IBKR in the future if FSM disappoints me. For now I don't want to deal with a foreign investment company and I feel safer with FSM since FSM is regulated in Malaysia.

Thanks for the recommendation. SMH looks very interesting.
Thanks for the feedback. It looked pretty same from their top 25 holding. So I did a quick check in chatgpt and got the following answer. Pretty interesting.

==== CHATGPT ====

SPY, VOO, and QQQ are all exchange-traded funds (ETFs) that are traded on the stock market, but they track different indices and have distinct characteristics. Here are the key differences between them:

Underlying Indices:

SPY (SPDR S&P 500 ETF Trust): SPY tracks the S&P 500 index, which consists of 500 of the largest publicly traded companies in the United States, covering various sectors of the economy. It is designed to represent the performance of the overall U.S. stock market.

VOO (Vanguard S&P 500 ETF): VOO also tracks the S&P 500 index, so it provides similar exposure to large-cap U.S. stocks as SPY. The main difference between the two is the issuer and expense ratio, with VOO being offered by Vanguard, known for its low-cost ETFs.

QQQ (Invesco QQQ Trust): QQQ tracks the NASDAQ-100 index, which includes 100 of the largest non-financial companies listed on the NASDAQ stock exchange. These companies are often technology-focused, including major tech giants like Apple, Microsoft, Amazon, and Alphabet (Google).

Holdings:

SPY and VOO primarily consist of large-cap U.S. stocks, offering broad exposure to the U.S. equity market.

QQQ focuses on a narrower segment of the market, with an emphasis on technology and growth stocks. This makes it more tech-heavy compared to SPY and VOO, which have a more balanced sector allocation.

Performance and Risk:

The performance of these ETFs will vary based on the performance of their respective underlying indices. Historically, the NASDAQ-100 (tracked by QQQ) has shown more volatility and the potential for higher returns due to its tech-heavy composition, while the S&P 500 (tracked by SPY and VOO) is considered a broader representation of the overall U.S. market.

QQQ may be more volatile and may have higher potential for gains but also higher potential for losses compared to SPY and VOO.

Expense Ratios:

Expense ratios represent the annual fees charged by the ETF issuer to manage the fund. Generally, lower expense ratios are preferred by investors because they result in lower costs. VOO typically has a lower expense ratio compared to SPY, while QQQ's expense ratio is also competitive.
Dividend Yield:

SPY and VOO tend to have higher dividend yields compared to QQQ. This is because the S&P 500 index includes a broader range of companies, including those that pay dividends, while the NASDAQ-100 includes many growth-oriented companies that reinvest their profits rather than paying dividends.
In summary, the main differences between SPY, VOO, and QQQ lie in their underlying indices, sector exposures, risk profiles, and expense ratios. Your choice among these ETFs should align with your investment goals, risk tolerance, and preferences for sector exposure.

How about arkk and arkf? Or the lady boss is just full of hotair?