Que sera sera, whatever will be, will be;
The future's not ours to see;
Que sera sera, whatever will be, will be.

I shall:

Continue to skim profit from Uncle Sam,

Continue to Selinalize my port,

Add a little more hnggh into RHB EMB!

[attachmentid=8540591]

Xuzen

Maybe I did not make my sentence clearer...
What i meant was the initial tax relief you got when amortised (new word to me) over a long period of time, the advantage is probably not going to worth it for all the hassle of PRS..
E.g. you get 20% tax rebate from the PRS, and you still have 20 years before you can withdraw this money. This works out to roughly 1% p.a. which means  whatever your PRS return was that year, you add 1% return to it.
So this versus you put this money into FSM or whatever and actively manage it whereby you are free to choose between hundreds of UT products and you are free to withdraw all during a freefall..

Hope you get the gist of what I am trying to say, I aint well-versed in economic terms.. I am not disputing the power of compound interest or UT in general

My point is there are pros and cons and probably more cons than what ppl thought.
E.g. If we have a retiree-gonna-be, then this PRS income tax relief is a no brainer, since he is going to get his money back within a few years

for the new bloods remember that UT investment takes years to come to fruition not treat it like some trading platform and if you are so afraid of corrections and losing your profits, think back on how many big events have had happened over the decade and look at the same funds that went through those big events.

I hope in investment whether it's stocks or UT, the worst factor in the whole process is human greed and fear.

April's Fundsupermart Choice fund.

https://www.fundsupermart.com.my/main/resea...pril-2017--8175

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Absolutely pathetic

Wow you are here also?
For PRS, free RM1k is if you are below = 30 years old.
Yes. PRS tax relief only RM3k. So buy max RM3k/year

To reduce income tax further,
Look into SSPN (for kids at about 4% better than FD rates), max RM2500 lifestyle tax relief (buy books/newspaper - I am going to use this to buy MY Edge - annual electronic sub), donate! , parents + spouse allowance.

how to interpret the market valuation table?
hope this can helps....

Valuations
The market weighted price-earnings ratio (PE) or ‘market valuations’ as we commonly address it, is a measurement of how ‘expensive’ or ‘cheap’ a market is at a particular point of time. The information on market valuations is easily available on our fundsupermart website.

So how is the price-earnings ratio calculated? The price-earnings ratio is the current price of the market divided by the expected earnings per share for the market.
Expected earnings are calculated on a weighted average basis ( companies with a higher market capitalization will have a higher ‘weight’ in the calculation of expected earnings).

It is relatively straightforward to compare valuations. A market with a high PE is considered ‘expensive’ and a market with a low PE is considered ‘cheap’.
However, bear in mind that this valuation measurement is used on a relative basis. Valuations can be compared across markets, or compared within the same market on a historical basis.

In the case of profit taking, comparing with historical valuations is more relevant, as it is a better gauge as to whether the market is overvalued or not.

In other words, if the PE for market A is 25 times, on an absolute basis you cannot tell whether it is expensive or cheap.
However, if a comparison is made vis-à-vis other regions and we find that valuations of other regions range from 30 times to 40 times, the valuation for this market is relatively attractive.

But for the purpose of deciding whether or not to take profits, we can compare current valuations to the historical range of valuations. If historical valuations range from 10-15 times, we can say that market A is ‘currently trading at a relatively high PE in comparison to the historical range’. In such a situation, investors should consider taking profits.

https://secure.fundsupermart.com/main/resea...?articleNo=1783

https://secure.fundsupermart.com/main/resea...l?articleNo=606

Determining equity market’s attractiveness
https://www.themalaysianreserve.com/new/sto...-attractiveness

could be due to to "cut off" date prior publishing....
try use the fund return tool in FUNDS INFO

(have to minus the SC though)

Your wife company is in Penang? It starts with I?

Guys, just want to do a quick check.

One of the advantage having Fundsupermart platform compared to any agent is LOWER SALES CHARGE.
FSM platform sales charge is ranging from 0-2% per transaction whereas agent charges up to 7%.

But recently there's agent saying that FSM is charging us WRAP FEE which is 1.5% from our ANNUAL TOTAL AMOUNT. Is this statement true? I dont have any clue on this.

Thanks.

Sorry for being a newbie, this is from their FAQ, right? Is this FAQ legally binding?

And what is stated in here does not completely satisfy my worries.

I have written to them and waiting for their reply.

Thanks for your help.

i was discussing with my mother about fsm and all these platforms in general and she has concerns on their legitimacy. what kind of evidence does fsm provide to show that they actually made the investments on your behalf? do they provide a proof of purchase from the trust fund itself?

Tenaga stock even moved after months of being stuck below 14.today it shot up 14.4

klse heading to 1800