can we use epf to invest on prs???

bro read my post again eh. withdraw epf to pay housing loan but the money goes into your bank account. use said money to channel into fsm and buy into prs funds

What is the additional 1k from?
PRS youth incentive?

yes

bought some ABERDEEN ISLAMIC WORLD EQUITY FUND - CLASS A last month

seen the performance over last year, compared with mini-recession times in february and october, it seems stable despite rocky market. feel no worry buying. of course there are higher performing but if i want stability then have to sacrifice a bit

if you use cash, then you will still get all the above plus you don't need to find an alternative to this presumably safe 5.7% instrument.

good and happy to know that, you found and liked what you wanted to seek.
Happy investing and have a nice adventure.
Huat-huat ah.




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Morning all, just for sharing. This shows where all the big investment company are putting their bet on. So maybe can help you decide where you should invest in.[attachmentid=8512171]

Edit:
Just what to add in what i gather from this info, i am noob don't flame me ya.
When Trump came into power there was a huge capital flight from China for fear of trade war. Now when things start to settle down that capital is going into emerging markets like Russia. Maybe Trump showing signs of wanting to be Putin's buddy. But China now seems to be under valued maybe for fear there is still chance for trade war. So maybe China is a good bet, with leadership change unlikely and strong domestic demands.

This post has been edited by killdavid: Feb 22 2017, 09:32 AM

there's an article posted by fsm.

https://www.fundsupermart.com.my/main/resea...uary-2017--8014

it reiterates my belief that you should still be invested in China. people keep saying it will break every year but I realized it's too big to fail.

CIMB china went down 40% in the previous correction. Would you stay put when it happens again ?

That's question I always ask myself.

I would because I already placed measures to make sure I can withstand the fall out. plus I always believed a reset button is needed to every once awhile. look at 2008 American economical disaster. people see it as a recession. I see it as a lesson to everyone not not let banks do whatever shit they want which caused the problem to begin with.

you never learn when you never fall.

Explains the strong performance of Eastspring Investments Global Emerging Markets Fund lately.

My IRR from this fund only 8%

Then obama put in those stops on the banks. Now Trupm is taking away the stops. Another road to a big reset ?

well that's why I keep my allocation in us around 15% where as I'm heavily invested in Asia. I don't trust trump and I never will. America is going into a major reset button. it's inevitable. American populace have been ruled by liberals and politically correct politicians for far too long. that's my take on the current trend. let the populist vote their far left governments first. get things broken. get things fixed. it's all a circle.

I'm still doing some readings before I buy my first unit trust. Why do you guys use FSM instead of getting it directly from the bank itself? I take this as an example:

CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND
FSM
CIMB

The management and trustee fees offered by both CIMB and FSM are the same. Is the only difference here is the FSM 2% sales charges and the CIMB 6.5% application fees?

Just trying to figure out which is platform would offer the lower management fees.

Thanks.

This post has been edited by nick_linz: Feb 22 2017, 12:55 PM

Management fee is the same as the fund is managed by the same fund manager which is CIMB Principal.
The major difference is the sales channel which you have highlighted there.
Different sale channel will incur different sales charges in term of %.

Fsm you kena charge only 2% for service charge. Sometimes even 0.5%.
Cimb you kena charge 5%+. That's min 3% saving.

CIMB and RHB fund prices still not updated. Trying to perform at par with eUT ? LOL

I'm really glad I got past the time when every single news will make me nervous about my UTs. After going through Brexit , RHB and Trump, I learn my lesson and just let the fund manager do it's work. When we buy into the funds, we should really be firm and understand the risk involve with that fund.

guys, those who have RHB EM bond fund, there was a huge drop of NAV >1 %. Is this due to the unit distribution ?