oh no not that Frankenstein fund. until now I still not sure how they managed to tie up Indonesia with two other countries with vastly different culture and governments.
good night.

Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first?

Will be interested to know what is your view on this?

How will it impact the fund, if any at all?

Currently, CIMB offer brokerage commission 0.0388% (min RM 8.88) per stock per day, if 2 ways then min RM 17.76, but currently, regardless of brokers, you will need to pay bursa clearing fee (0.03%) and government stamp duty fee (RM1 per 1k trading block max RM200), and dont forget about GST

Significantly cheaper now compared to what you experienced, but for ikan bilis like me, UT cheaper

p/s: still struggling to whether keep KGF or kapchai

BETTER YEAR FOR MALAYSIA’S SMALL CAP SEGMENT

On the local front, we see better prospects for Malaysian small cap in 2017 after a lacklustre year in 2016. Catalysts are expected to come from the initiatives introduced in Malaysia’s budget 2017 which are the small and mid-cap public listed company research scheme and the government linked investment companies (GLICs) RM3 billion special fund. These initiatives are set to reduce the level of market inefficiency in the small cap segment, thus, there will be more hidden gems being discovered.

KEY TAKEAWAY

Given the attractive prospect of small cap segment, investors should look out the available small cap funds that listed in our platform. For investors who want to have exposure to the small cap segment, can consider include one of these small cap funds into the supplementary part of their portfolio, with not more than 10% allocation of their overall portfolio.

For Asia ex-Japan region, Affin Hwang Select Asia ex-Japan Quantum Fund (February Fund Choice) will be a decent choice for investors to gain exposure into the Asia small cap space given its strong track records. On the local front, investors with greater risk appetite can consider to include Eastspring Investment Small Cap Fund (our recommended fund).

Then what is the different ah since we can choose our own fund also...how is it diff from putting 1k into the fund of our choice

Euphoria sweeps China stocks as momentum gauge reaches 2015 high
By Bloomberg / Bloomberg  | February 13, 2017 : 8:00 PM MYT 

(Feb 13): Chinese stocks are hot again.

The MSCI China Index has surged 13% from its December low, sending a momentum indicator to its highest level since April 2015, while the percentage of members trading above their 200-day moving average has climbed above 85% for the first time since the bubble burst almost two years ago.

Improving earnings in industries such as automakers, a pick up in economic growth and valuations that trail global peers are luring investors back to a market that’s burnt optimists before. Just last quarter the gauge sank about 7% as a slumping yuan and tighter liquidity had investors jostling for the exits. This time round, inflows from the mainland into Hong Kong are helping support the rally.

MSCI Inc’s China gauge tracks 150 of the nation’s companies that have listings outside the mainland, including in Hong Kong and US bourses. Among the biggest gainers since the index’s Dec 23 low are automakers such as Geely Automobile Holdings Ltd, materials producers including Aluminum Corp of China Ltd and Jiangxi Copper Co, and social media company Weibo Corp.

The index now trades within 1% of levels last seen in August 2015, when the nation’s equities were in a tailspin following an epic boom. Shares are again looking frothy, with the MSCI China’s 14-day relative strength indicator rising to 78.8 on Monday, above the 70 level that signals to some traders that stocks are overbought.

Still, as global funds look for bargains amid a worldwide equity rally, the MSCI China Index stands out. The gauge trades at about 14 times reported earnings, a 34% discount to the MSCI All-Country World Index. A stabilizing yuan is also boosting confidence, with the currency gaining about 1% against the dollar this year. The Chinese measure rose 0.8% on Monday in a fourth day of gains.

International investors put about US$469 million into exchange-traded funds that buy Chinese and Hong Kong stocks in the two weeks through Jan 27, according to data compiled by Bloomberg. Mainland funds have also been pouring into Hong Kong equities through the Shanghai and Shenzhen exchange links, with inflows this year totaling 34.1 billion yuan at the end of last week.

Where do you get their FFS? FSM only put the latest one. Download last time and keep?

Leave profits in the fund = the power of compound interest. Let it ride the up and downs. At 8% yearly returns your money will double in 9 years time if you do not touch the profits at all. If you take the profits, you only get 72% returns, rather than 100% returns, within that 9 year period.

I think I found the missing thing....those extra units from distributions......

I know what you are try to say and meant...I was just trying to be funny and sorry to have pulled your leg 

how to have the desired predetermined ROIs at a desired horizons when there are so many General Risks of Investing in Unit Trust Funds
http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx

late night house calls to vips and tan sris and working over time. I learned this trick from one of my tutors. treat one right and he or she will start bringing friends over.

also I am a specialist in orthopedic medicine, everyone has a back pain these days. think about it, look at children these days. wake up super early, sit in class rooms from morning to afternoon, tuition classes from noon to night, no sun,  lots of ipads and iPhones going around but not exercising. then they graduate from unis, they slog their entire lives in front of the pc and have erratic sleeping schedules.

sad to say it's going to be a lucrative business because it's better to treat a disc prolapse or total knee replacement rather than treating a terminal cancer patient

My portfolio before it burst (if any)

[attachmentid=8486708]

Note: I only started with ponzi 2 on the first investment date due to RSP initial investment requirement

other funds coming up and also in and out for RSP on the next RSP date from the first investment date

No because in 6 months time the fund could go down. Unit trust is totally not suitable for a short term investment. To see returns you usually need to wait a few years. Unit trust will always rise in the long run, but in the short term there can always be downsides. You need a long investment horizon (3+ years at least) to see any meaningful returns.

Recently sold of europe, aladdin and titan

europe intra switch into global tech for temporary parking (inside tech dy)

while aladdin and titan will put in together with this month dca amount together using referral token for temporary parking

reason for consolidating these : these 4 have high correlation with US market (specifically S&P 500), so temporary put into the highest performing among them  (global tech) then only switch out from malaysia to sg

You guys are lucky you never let them in.. noodles in KL will cost you Rm10 at least

Its about reaping what you sow and rewarding yourself. The experience and enjoyment not about eating the tart or whatever.

I mean if u save your whole life living like a beggar what the point of having so much money? In the end theres no value to money if you dont use it. Takkan save until old cannot walk then use to buy medicine?

Have to balance your life between savings and entertainment

I have noticed that quite a number of portfolios have allocated a substantial portion into rhb EMBF. Would just like to point out that the volatility is by no means reflective of a normal FI fund, of course neither does the return. Something to keep in mind during %allocation.

No. I'm just pointing out that despite it being a bond fund, its volatility and returns are in fact more similar to a balanced/eq fund. Hence one should keep that in mind instead of allocating a high % thinking it is a portfolio stabilizer with amazing returns. Personally I treat it as part of my eq portion

Oh sorry didn't get the previous conversation.

I'm putting as short term saving only then use for investing in stocks.  But the process so slow I haven't get my money yet. Now I check it seems my unit has disappeared from my account butt bank balance  is not increase. Have u sold before and what experience?

Thanks for the share. Since it took 4-5 working days I think will show this Monday. Cmf also took so long. I never plan to put cmf anyway. My rhb emerging bond still have the min unit. I still plan invest in it just will have better planning on withdrawal next time.

Hi all,

another new comer with 0% knowledge about UT...

i just have a question in my mind and hope that some one is kind enough to answer it

In my thinking, I thought UT is much like EPF where we invest money then wait for declared dividend.
Or is much like Stock which is sell high buy low to gain some profit ?

I did read whole v18, but seems like cant get any answer for it..

again sorry for noob question..

Precisely. Thinking of keeping max RM10k in malaysia. Not sure where want to put. For me, I feel market is kind of expensive to enter. One part want to choose United Asian HY bond/Affin Hwang Select Bond but this will incur platform fees and I don't like to give FSM free money. So most likely an equity fund. Decision decisions....

It's just principal. Take some broker for eg (international ones). They charge you just for keeping the stocks you buy with them while another broker charge nothing. Both have same brokerage fees. Doesn't make sense why?

A one time service charge is better. With platform fees, even if you don't buy you kena charge. What kind of nonsense is that?   
Every new subsequent purchase will also kena charge. So you will kena charge double. Old fund + new fund 
In the long run, platform fees > service charge. 
Think of a water container with a pin hole leak. The water is your money and the pin hole leak is your platform fees. Overtime, water is loss via pinhole leak but you don't see it (cause it's too little but it's real) 

I am never a supporter of platform fees. I avoid them where possible unless no choice (see my stock eg above)

I rather FSM charge me one time service charge for bond funds than platform fees.

Service charge, exit fees (come up with exit fees like RHB Islamic/bond funds)?
Not possible as they charge you platform fees on how long you are on the platform. So say you buy today. Four days later you sell even though it's month away to platform fee charge, you will still kena platform fees. If you can do this, teach me. 

https://www.fundsupermart.com.my/main/resea...ommodities-8012

Anyone going to the event? Please share as I am curious the outlook of reits