Not like he did not pay to his housing loan.

EPF paid into his bank account then he pay his housing loan using the same bank account.

So how do you differentiate that money is from KWSP or his own savings?
P/S: I did the same thing, just that the EPF money goes into the loan account for regular installment instead of principal repayment and then free up my cash flow for the same purpose, UT.

Do you have your portfolio on eUT, FSM or both ?

He's a fund manager (or should be one ) - he's more interested in doing all the detail stuff, not one to leave it to others

Wahai sahabat penjaga van,

If you desire and wish for exposure to US stock-market, would it not be more efficient to participate in TA GTF in lieu of CIMB GTF. TA has approximate 75% US exposure whereas CIMB GTF is 33% US.

But if 100% US exposure is one's desire and wish, then Manulife US is a better product for that purpose.

Xuzen

Thanks for the heads up.

p/s: care to reveal that's how many % of US focus switched out ?

there's no set rule. some people really believe in FD they place whatever they have in FD in multiple certificates that mature at different months, others find the thrill of stock trading, others like us find it convenient to buy into fsm where as others love their cimb bank RM that they pay extra service for the special feeling

think about it this way,as long as are learning each day to be better than what you are yesterday and make every day count is the best investment that one can make.

Not sifu. But let me share with you my story. Used to be 100% promo FD, then move 30% into Amanah saham fixed price. Was planning to move 100%. Found out about FSM so decide to divert the remaining 70% into FSM. Got as far as 30% then realise RM is dropping like dead flies against all currency. Switch my remaining 40% into SGD for SGX. Will move out my FSM portion to Singapore UT. Additionally 10% from amanah saham each into SGX and Singapore UT.

Reason for moving
1) I am trying to make sure inflation don't eat into my money
2) Protect my RM from continuous and futrue decline.

No point earning 5-7% (dividends) in KLSE and see your RM depreciate. Better earn 5-7% (dividends) in SGX and have your value protected. Same with UT. No point earning 10% in MY when you can earned the same 10% in SG.

As you can see it's not fixed. Up to individual prefences and need.

100% in UTF.

0% in KLSE

0% in FD.

Many are confused with UTF, thinking that UTF is another asset class. To me UTF is a tool, a vault or a purse to hold my assets. UTF is not an asset class.

For example, if I want to hold cash or FD in normal everyday lingo, then I would participate in Money Market Fund.

For example, if I want to hold common stocks in KLSE, then I would participate in Kenanga Growth Fund.

For example, if I want to expose myself to US stock market, then I would participate in Manulife US Equity.

For example, if I want to collect rental from properties, then I would participate in AmReits.

Etc etc etc....

Xuzen

So from the responded postings......you will see the answers to your post is just individuals preference

Thanks for sharing your insights 

Ramjade You are sifus to me as well!

Will continue to learn from you all.

Side note: xuzen From what I researched, Maybank GIA-i provide higher returns(little bit) than Money Market Fund and same level of liquidity as Money Market Fund, what do you think about this?

Some here use CMF because they say is convenient. For me I choose eGIA-i.

My emergency cash is parked in eGIA-i. Reason for choosing eGIA-i over CMF
(i) higher return when compared to CMF at extra 0.2-0.3% difference
(ii) instant liquidity when compared to CMF. With CMF need to wait 2 days for the money to come back into your account.

hopefully not poking at the hornet's nest, but where is chris lately? did he migrate to FSM singapore?

Some here use CMF because they say is convenient. For me I choose eGIA-i.

My emergency cash is parked in eGIA-i. Reason for choosing eGIA-i over CMF
(i) higher return when compared to CMF at extra 0.2-0.3% difference
(ii) instant liquidity when compared to CMF. With CMF need to wait 2 days for the money to come back into your account.

He got the job.. probably under NDA now.. people who work in the UT industry can't really reveal their portfolios

Some here use CMF because they say is convenient. For me I choose eGIA-i.

My emergency cash is parked in eGIA-i. Reason for choosing eGIA-i over CMF
(i) higher return when compared to CMF at extra 0.2-0.3% difference
(ii) instant liquidity when compared to CMF. With CMF need to wait 2 days for the money to come back into your account.

apparently selina fund is also giving distribution

AmAsia REITs too

Bagero!

AmAsia reits = Selina      fund!

LOL.. can't quite keep up with all the nicknames

Bagero!

AmAsia reits = Selina      fund!

EGIA min is 5000. Why would you have Rm5000 emergency cash lol. I have Rm2000 emergency cash.. soon going to be less because there was an emergency

The difference is so minimal, please choose conveneience over the small percentage gain. Choose which ever product that conmensurate with your lifestyle.

0.3% per annum is not going to make a huge lot of difference to retail participants. Unless you are a corporate client with a MYR 50M placement, then only talk. If not..... choose one which is convenient to you.

Xuzen

If am reits is still not performing, I am afraid she might lose her job soon. LOL.

Excuse me. Only RM1k la.
I choose eGIA-i because it's convenient to me ma. Can or not? I don't buy much UT.

If am reits is still not performing, I am afraid she might lose her job soon. LOL.

Friend! It is a REITS lar... it follows the pattern of fixed income fund. You want it to go sky rocketing meh? Unless she buys assets that are outside the unit trust mandate, then she betul - betul kena lose her job baru tau!

Xuzen