Hey guys, wanna ask you guys sifus 1 question.

Should i take my available cash flow to put in reliable UT or use it to out it in my semi flexi housing loan?

Some FP say put in semi flexi housing loan for reduce the interest rate and reduce the number of yr pay back, while other FP recommends me to put in UT.

Don't know which Financial planner to trust.

=/

Thanks all sifus...

Yup, should be no problem on the repayment ssue.

About hoe to invest ut so that the annual return is higher than flexinlosn rate not too sure.... Got any pro advice you sifus?

Thanks.

This post has been edited by Jitty: Nov 3 2017, 12:00 AM

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?

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

FSM is 0.8%-1% right?

Thanks master for the advice!!

half half.

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

Another half into CIMB-Principal Asia Pacific Dynamic Income Fund

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

Indeed you are right , I am worried about FSM being an online platform.

I am 25 this year.

Previously thought to invest in Rm50k into existing cimb prime account with my cimb RM ( 30k in UT, 10k in MM and 10k in savings account)

But after reading this forum and received all sort of positive advice from sifus here ( f5calvin, t231h, i1899 and many more), i had decided to put 20k ( 10k cimb Asia Pac & 10k affin hwang), while remaining 30k to FSM managed portfolio on moderate aggressive. ( read v17 & v18 of this forum d) and will compare the result between the two.

Will also pump in monthly to either FSM or cimb rm depending on situation.

Thanks all sifus for the advice ya 😄

Just joined FSM.

Currently there is a promotion for sales charge from 1.75% to 1%.

How do i get the 1%?

When i add the UT funds to my cart, it still shows 1.75%

Woops, my bad.

after confirm password, the 1.75% become 1%.

Thanks T231H.

Havent buy yet.
just now testing.
will place order tonight.

Hi all sifus,

The sales charge 1.75%, is charged both times or just one time only?

Means when I buy kena charges 1. 75%, then when I sell kena charges 1.75% again?

Tqtq =)

Leaning day to day from all the sifus here.

Before sleep, look at this forum.
Stuck in jam, look at this forum.
Just wake up from sleep, look at this forum.

Check this forum instead of checking FB everytime whenever I am free.

Eastspring GEM?

Time to do top up.. Hehe

hi guys, wanna ask a newbie questions again.

As per today, ponzi 2 is red red red!!

So, i planning to buy ponzi 2 via FPX during 230pm @0.3904

But somehow system error, and i manage to buy it at 310pm.

According to FSM,
"Payments received after 3pm or on a non-business day will be transacted on the next business day."

What if the next day the price for ponzi 2 increased to 0.3910 instead of 0.3904 .
WIll i be charged 0.3910 or 0.3904?

Thanks all sifus.

alright.. then i will just wait for tmr NAV price baru decide to buy or not buy.

Any idea what time the latest NAV price updated daily?

Each UT have different NAV update time??

Thanks.

Alright... Thanks rapple

Mind sharing what you planning to top up?

This post has been edited by Jitty: Nov 15 2017, 10:29 PM

Planning to top up sikit
Ponzi 2
Dinasti
Titanic