Prehaps I am not good in expressing myself, so I will try to make a simplistic example to express my question:

Say we have 2k to invest, 1k in stock A and 1k in stock B

Say Stock A is a dividend stock where they declare yearly dividend of 3%, and annual capital growth 10%

Say Stock B is a growth stock and also annual capital growth 10%

Assumed both have share price @ RM2 at the time you invest both at the same time

If after one year, your value in stock A grow to RM 1100 and declare dividend, if you did not reinvest the dividend, you will have RM33 dividend received and your capital is left with same 500 shares @ RM 2.134 value RM 1067

Suppose you reinvest the dividend into it @ RM 2.134 and received 15.46 shares, you will have 515.46 shares @ RM 2.134 value RM 1100

Stock B, without dividend declare, enjoy yearly 10% capital growth every year, so 1st year will grow to rm 1100 as well

Assume each year is having the same trend for simplistic purpose, wouldnt both stock have the same capital growth value if you opt for dividend reinvestment?

Unless as you said, you take the dividend declare for living purpose, but if you did not reinvest the dividend, wouldnt your capital in the stock decrease every year after the dividend declared? And assume the dividend yield and capital growth remain the same, wouldnt your dividend received become less and less after each year?

Unless I am confusing myself in something else, I am trying to understand more 

Because if one opt for dividend reinvestment, I cannot see the difference between dividend stock and growth stock in performance wise if they enjoy the same capital growth (unless what set them apart by their difference in fundamental that will caused them to grow differently?  )

Erm, the bold statement means if you hold 500 shares, and before dividend, share price @ RM1.1, they declare 3% dividend (3 sen), the share price drop 3% (RM 1.07), assume you do not reinvest the dividend and you still hold the same amount of shares, wouldn't your share value now @ 500 shares * RM1.07 compared to if they didnt declare the dividend the share price will remain @ RM 1.1?

And if that happens every year where you use the dividend as your income to support your living instead of reinvesting, would the capital be less than if you reinvest and the gap will get wider as it goes by?   

Or did I understand it wrongly? 

It's the other way actually, subscription fees is the upfront fee and the portfolio management fees is the platform fee equivalent

That's why I say the existing crowd on this thread is not their target customers, because you guys enjoy studying funds n doing trades on your own. There are however people up there who much prefer to have someone settle all these for them. This is a very good product to compete with public mutual agents because it takes 8 years for the fees to rake up to PM's front end charge and it provides all the things that the agent promises

My only complaint is, for the conservative portfolio the charges is rather steep. At the moment FI only get charged 0.2% platform fees per annum and no sales charge; so purely for the services of rebalancing (which I don't think would be a lot for a conservative portfolio), you have to pay 0.3% per annum

FSM SG charges less for conservative portfolio. Not sure why FSM MY did not use the same model

For the higher EQ portion portfolio, basically you are paying the 0.5% to cater for the switching sales charges and service for rebalancing which is likely to be more extensive

Subsequent purchases is minimum RM1k. Hmm, They were not explicit on minimum redemption; but it sounds like when you sell it's the entire portfolio. Best to check with live help

https://www.fundsupermart.com.my/fsm/manage...tment-portfolio
The buy button is below the different risk ratings

I bought already, so memang available

You can never know the NAV that you wished to sell as all unit Trust practice forward pricing.  Which means what you see today is 1-2days old of NAV price.

However Affin hwang select bond fund is extremely stable.  I have no problem with putting in lump sum/withdrawing what I need.

Other UT, you need to predict when to sell (if you really want to sell)

You only read what you wanted to read. I actually disagree with the stance that ASx is considered as bonds, because they are not. The only thing is you can buy and sell at RM1 at anytime, but the truth is, with that kind of risk that you are taking, you can earn much more. Although you can buy and sell anytime at RM1, non-bumi tends to hold it for a very long time, the mentality that ASx is hard to buy makes them to not want to sell it other than for last resort.

This product is all about manipulating investors mindset and behavior to their advantage, can't say I like that very much

For the details in RHB emerging bonds, look at the mother fund
https://secure.fundsupermart.com/fsm/funds/...rkets-Bond-Fund
Wah.... nanti-kena sedition act la boss, calling it a ponzi scheme

i agree.. i bought both at same time. same day.

amasia - 1.79% return
manulife ap - 4.53%... in my portfolio to date.

dun bother with AMASIA.

What I meant is for equities and bond funds. I have never seen any funds (equities and bond funds) which does not use forward pricing.

Only loss = opportunity loss.

I didn't balas that because that time I don't know about wait. I just buy when it drop. Now wiser already. Did I regret my buying of manulife asia pacific reits? Of course not.

Of course no travelling. I agree with Gen-X. Airasia makes youth poorer as they let youth travel before they're financially stable. Ticket may be cheap but your trip expenses are not.

Why someone cannot have storng currency? Any problem with that. Just because I wrote about investing overseas and earning other currency you are not happy? If not happy, follow my guide and start earning foreign currency la. See whether I make up my guides or they are real.

Actually money can buy hralth to a certain extend. There's a reason rich indons and malaysian head over to SG for treatment. My friend's father who got into an accident head over there as well as something about recovering faster compare if go to malaysia private hospital. Those Johor people just need to work say up to 40 years old can retire already. Normal malaysian work until what? 50-60 years old? The longer you work, the more stress you have. Higher chance to get all kind of disease. Now who's working smart?

Yes my calculations are flawed but at least I am willing to learn. I didn't say I was a financial expert did I? Wow not willing to learn/take a look from those who are already successful (not me but those bloggers) shows how ignorant and arrogant one is.

Some eg.
- Gen-X send all his kids overseas, pampered his family so much. If you have never read his blog, you wouldn't know what I am talking about.
- ASSI 6 figure dividends. How many can showed real proof of 6 figure yearly dividends. No inheritance nothing. From scratch.
- Createwealth8888 showed it's possible to get a 10% yearly dividend for life.
- Mr stingy and Dividend magic both not as rich as the 3 people above, but they are both good teachers. You don't need to be rich to teach people.

When facts are presented by people who blogged without any interest in front of your eyes but one choose to ignore it. Really wow...

bro on another topic. u stopped updating your blog?

You assume the rich die faster and the poor live longer and healthier? If anything, I think the reverse is more likely to be true.