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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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Avangelice
post Oct 12 2017, 01:39 PM

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QUOTE(Ancient-XinG- @ Oct 12 2017, 01:29 PM)
Property guru said recession to hit ALL sectors in 2018. Any insights guys?
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keyword property guru
Avangelice
post Oct 13 2017, 02:24 PM

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QUOTE(mas1900 @ Oct 13 2017, 01:49 PM)
I need to look into this managed portfolio soon. Looks like FSM is doing a decent job so far.
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twas thinking the same
Avangelice
post Oct 13 2017, 05:12 PM

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QUOTE(Ancient-XinG- @ Oct 13 2017, 05:08 PM)
No need think le. Haha. I ad put in.

DIY port just follow xuzen lol
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both have free switch capabilities.

cannot use xuzen. the other spectrum is to use lady dasecret port. no need to switch here and there
Avangelice
post Oct 13 2017, 06:46 PM

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QUOTE(i1899 @ Oct 13 2017, 06:18 PM)
Thanks for sharing. Highly appreciated, especially for the Managed Portfolio.

Have you updated IRR of managed portfolio today?
If yes, then, IRR of my DIY 60-40 portfolio (17.3%, counted from 01/01/17) is still higher than Managed Portfolio IRR (13.1%, counted from 13/06/17). But, i think it is worth to pay the difference for more time for other things.

I would like to understand more about managed portfolio before jump in. Appreciated if you can sharing this kind of info.
1. Normally, how many switching were performed in a month.
2. The switching is for re-balancing (bond to Equity/ equity to bond) or restructure (Global EQ to Global EQ of other fund house)?
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why don't you ask fsm.
Avangelice
post Oct 15 2017, 12:15 PM

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the more I think about it the more managed portfolio is the way to go for me
Avangelice
post Oct 15 2017, 11:16 PM

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emailed fsm to switch my entire portfolio to managed this evening. looks like I'll be coming here less
Avangelice
post Oct 16 2017, 12:17 AM

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QUOTE(yklooi @ Oct 15 2017, 11:47 PM)
have they allowed partial withdrawal already?
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Don't intend to utilize the funds any time soon and I have another portfolio in my stocks to tide me over
Avangelice
post Oct 16 2017, 01:03 AM

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QUOTE(yklooi @ Oct 16 2017, 12:29 AM)
ok...noted....
I was contemplating to "sailang" all (include my whole EPF) into it  sweat.gif
(plan to keep 10% of it into AHSB & CMF as house whole emergency fund)
then withdrawing annually (from managed port's assets) to cover the annual expenses
workable?? sweat.gif  or  moneyflies.gif
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I would suggest you do this.

50% of your total fund goes to managed port by fsm
30% of it goes into your AHSB
20% of it goes into your stocks.

I highly recommend every Malaysian to actually learn about stock investment (not trading). i learnt alot from this and sadly I come to realize unit trust is bogged down by switching fees when others have the ability to switch freely with wrap accounts. I rather leave that to the pros and I concentrate on my stocks
Avangelice
post Oct 16 2017, 09:52 AM

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QUOTE(Darkripper @ Oct 16 2017, 09:10 AM)
By doing so, you're hoping that they will be switching all your current funds to their managed port, for free (excluding the charges by FSM Managed Port).
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exactly

QUOTE(wankongyew @ Oct 16 2017, 09:14 AM)
Could you please explain some of that reasoning? Doesn't it add extra costs on top of existing fund costs?
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I have come to realize the weakness that is unit trust investment. why is it so that we are unable to switch from one fund to another freely plus I'm having a better hand at stocks.

QUOTE(puchongite @ Oct 16 2017, 09:15 AM)
Right now the system does not allow switching from non managed funds to managed funds, right ? One has to sell it off and then buy the managed funds ? It's during the purchase where the charges are incurred.
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depends on the email I'm getting. if they ask me to sell off I'll just tell them I'll wait till they allow me to do so. the need my clientele not the other way round

Avangelice
post Oct 16 2017, 10:19 AM

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QUOTE(spiderman17 @ Oct 16 2017, 10:02 AM)
Not intending to put you down, but have you considered that your better hand at stocks may be due to market more than your skills? You are comparing purely on returns. How about risk? Do you have better hand at managing risk than unit trust?

No right or wrong.(Copy from Wong)
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oh I have lost some namely in AAX but what I incorporated from my unit trust knowledge is to diversify my portfolio into multiple industries making it less volatile. you subdivide it to export and imports then taking it further to service, manufacturing, trading. it's practically the same only its concentrated in Malaysia hence why my unit trust will be foreign market exposure

QUOTE(dasecret @ Oct 16 2017, 10:10 AM)
Well, if a transfer from outside FSM can have 0% sales charge, why not the internal switching. They can give if they want to. Actually better for them ma, 0.5% fee per annum, it's long term recurring income
Very very good point there.... does any of the stock trading tools help to calculate portfolio volatility?
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stock trading is already a risky business as itself hence why you read up on the company's profile from the past quarters to the present to the future. since I'm already part of this country my as well take my chances with investing in its economy
Avangelice
post Oct 16 2017, 10:50 AM

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is it a holiday in west malaysia today?
Avangelice
post Oct 16 2017, 11:01 AM

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QUOTE(vincabby @ Oct 16 2017, 10:56 AM)
one week school holiday. other than that, everything the same.
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they are taking awhile to reply to me. thats weird. I always get promt replies
Avangelice
post Oct 16 2017, 11:53 AM

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QUOTE(wankongyew @ Oct 16 2017, 11:29 AM)
How often do you need to switch funds though?

Generally speaking do the rest of you switch funds very often?
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yes I do. if the manage port and guys who have wrap accounts are doing it freely that leaves us at a disadvantage and I rather pay more than being stuck with certain handicap like a free player in an MMORPG.
Avangelice
post Oct 16 2017, 03:09 PM

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We regret to inform you that you are not able to do switching from your DIY unit trust funds to managed portfolio at the moment.



You may need to sell your existing funds and park to CMF. Then you can use CMF to buy the managed portfolio.



Please do not hesitate to contact us if you need any assistance.

Avangelice
post Oct 16 2017, 03:27 PM

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QUOTE(funnyface @ Oct 16 2017, 03:15 PM)
laugh.gif  Or in other words, i will charge you 1.25% again  laugh.gif
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meh. so be it. I'll just leave my portfolio as it is then. their loss not mine.
Avangelice
post Oct 16 2017, 04:00 PM

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QUOTE(Streetrat @ Oct 16 2017, 03:57 PM)
Do you mean it's much more cost efficient and time saving if i just put all into managed PF and let them do all the work?
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yes. they have on advantage that is they can do partial switch at no fees whatsoever unlike us freemiums
Avangelice
post Oct 16 2017, 04:07 PM

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QUOTE(Streetrat @ Oct 16 2017, 04:05 PM)
Thanks for the clarification, but does it consider gambling if i put most of my investment into an aggressive managed PF for lets say 10 years and above?

what do you think about FD vs Bonds?
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depends if you are feeling lucky. if you are young like me why not?

fd sucks hands down. esp those who go from bank to bank for 0.2% increase
Avangelice
post Oct 16 2017, 04:15 PM

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QUOTE(T231H @ Oct 16 2017, 04:14 PM)
an old article...
Do You 'Invest' In Fixed Deposits? [23 Dec 2011]
In this Idea of the Week, we bring you something that we believe to be better than fixed deposits.
https://www.fundsupermart.com.my/main/resea...?articleNo=1896
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QUOTE(T231H @ Oct 16 2017, 04:14 PM)
an old article...
Do You 'Invest' In Fixed Deposits? [23 Dec 2011]
In this Idea of the Week, we bring you something that we believe to be better than fixed deposits.
https://www.fundsupermart.com.my/main/resea...?articleNo=1896
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Mai kin teo bro. everything slowly discuss. lol
Avangelice
post Oct 16 2017, 06:46 PM

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QUOTE(Darkripper @ Oct 16 2017, 05:57 PM)
mehh....

Not worth to switch at the moment then.  mad.gif  mad.gif  mad.gif
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given time they will come to us. no rush. remain as status quo. kinda stupid that they are willing to not sacrifice a one time sc for long term clientele
Avangelice
post Oct 20 2017, 09:00 AM

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QUOTE(jhlou @ Oct 20 2017, 08:57 AM)
eUnitTrust new website launching on 24th Oct, along with 0% sales charge

user posted image

Source: Email received

FYI if you are not following eUT posts
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now you are talking. good to have healthy competition.

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