3.88% personal loan, assuming you take the 60 months option will yield an annual effective rate of 7.21% p.a.

Hence your hurdle rate or your IRR must at least be above 7.21%.



Maybe you want to go all aggresive and get lucky.

Xuzen

The only sensible leverage one can take to invest only if the loan is 0% which, due to malaysia's institutionalised racism, only applies to bumiputra. If you are not, then too bad, because you are second class citizen.

Eastspring global investment good? It has 0.8% charge offer now.

I only bought from eastspring the small equity fund.

if your current port is already heavy in CHina/hk...
can try Global Emerging Market Opportunities

Eastspring Investments Global Emerging Markets Fund
is FSM current fund of the month...it has writes up on it
https://www.fundsupermart.com.my/main/resea...mber-2017--9013

good or not ....it has to depends on your current portfolio composition and whether you want to add more into that north east asia region

Please don't speak nonsense, and take your racism elsewhere.

Thank you.

Hi all sifus,

Just into UT investment.

Should i put 50k to my cimb relationship manager to run it for me? Or should I do it myself using FSM?

currently she recommended to me affin hwang and cimb Asia Pac.

All sifus, please advise newbie me.

FSM charge 0.8% per transaction?

How much your CIMB Relationship Manager charges you? 3%?

best way is u split half of your 50k , 25k to FSM, 25k to her

then compare the performance after 3 years later?

the main purpose to invest in FSM is u can learn to invest, lots of sifu here (or FSM customer service) can give u advice

of your 25k investment in FSM , u can try 10k to FSM managed portfolio as well

she told me depends on funds. ranging from 2.5%-3.5%.

FSM is 0.8%-1% right?

Thanks master for the advice!!

1.75% standard rate.
0.8% is promotional rate for specific fund or event.

what is the full name of these 2 funds she that recommended?
she ask you to buy only 1 or both?

Take her recommendation as reference, and do it urself using FSM.
Max sales charge at FSM 1.75%.

half half.

Half into Affin Hwang Select Asia (Ex Japan) Quantum Fund

Another half into CIMB-Principal Asia Pacific Dynamic Income Fund

Hmm, both of the funds are Asia ex Japan, and both are equities however the affin one has bigger allocation for Msia and Sg, whereas cimb is mainly china, hk, etc. I think since she recommended alrd u can actually do it urself, and if u want a manager, u can always buy the fsm managed portfolio

Thanks sifus for the advice.

For now, probably give her 36k ( 18k each) for affin hwang and cimb.

Then, fsm put in 5k each for affin hwang and cimb. Play safe for now.. Hehe...

Not much experience yet on fsm.

Wanna learn step by step

by doing that....your portfolio is just 100% on Asia pac region....
do you want it?

btw.....have a track performance review of this Asia quantum....
got no idea why it's performance turn BAD (since early July) while others asia pac funds did not....
hope you can post this questions to the cimb relation mgr and then post her answer here for our info.

I don't understand what is ur purpose to split ur money into 4, then buying the same 2 funds with 2 different ways.
It just wasting the time and effort without reduce the risk....
Buy urself at FSM managed portfolio. 50k can entitle u 0.25% discount immy.

What is your expectation of the CIMB relationship manager to do with your money when you say "run it for me"? 99% of the time bank relationship managers would just recommend you to buy certain funds and that's the end of the service provided, maybe next year she will ask you to put another RM50k in another fund

I agree with the rest that it's no point buying same funds on both platforms, the results would be the same, only difference is sales charge upfront. What I would suggest is to see how the "run it for me" expectation plays out, you should put 50% with the CIMB relationship manager, and another 50% with FSM managed portfolio. This method also gives you the result to compare between portfolio method vs 2 fund hero method

Can't understand your logic. Since you have quite a significant sum and no experience. You will be better off with FSM Managed Portfolio.