one can also "kena" hit.....even to those who carefully studied and DIY their investing like us on FSM, where we can study all the funds + proper self learning...there is no guaranteed we would avoid negative results.

nothing in life is 100% except death.

part of but not all, it might include ones who invest less than 1-2 years but already comparing the return rate with EPF annual dividend.
somehow i felt unit trust reputation is bad because:
1) non knowledgeable sales, they dunno, or they don't even care if your monies is invested in the right place
2) investor's vision of horizon is not long enough, it doesn't make sense to compare performance of unit trust fund with EPF dividend in horizon of few months, one or two years.
3) investor themselves dunno what are they investing in, equities? fixed income? mix asset? it involves works of study and research, so the says of "if you dunno what are you investing, might as well just put inside EPF for safe annual 5% isnt it?" it does make sense.

And what are your thoughts on this?
To me it depends on you as an investor to choose which root to go.

I'm a failed investor
All my hard earned money.
Even bank fd could get at least 2% or crypto fd at 12 %.
My decisions are worst when it comes to investments.
Any opinion on my worthless decisions?
Opinions welcome.
And those with profit will turn red on Monday as I already the prices.

Portfolio tanked 5% in the last month. Been an investor since 2013 and overall IRR still > 7% which I am still satisfied with.

Hello sifus,

just curious, do you guys buy stocks through FSM, or just use it to track stocks? Realised how expensive it is to buy through FSM, wondering if I should make the jump to something like Syfe or something

Hey guys, general question here, haven't visited for quite a while. How's FSM doing? Still many staying invested or maybe going in more during these times of uncertainty?

I honestly don't know what to do for investment anymore. It's like, nothing's certain except FD, lol

Now is bear market times. It is good for those who have not experienced before to finally experience it in one whole investment journey. Once out of bear run, hopefully one become a seasoned and veteran investor.

Website or app?

Seems FSM server is down or on maintainance during weekend

tax auto deducted from dividend payout before distributing to investor? don’t tell me I have to declare this in tax return form.

Yes. But when you declare it in return it is to “claim” some back as it is taxed at max rate while you possibly do not belong in that bracket eventually.

In the end, when the public listed company declares a dividend, they need to pay tax first on nett profit and then after you as shareholder get it, you are taxed again. This is why I never favour dividends for growth stocks personally.

Whatever MUM says, is just telling u above in a more formal way.

All trust funds had been in red for mostly a year.
The trend may continue don't know for how long. Wonder it would take how many years just to gain back the capital. Sigh...

when will the bloodshed stop ? or we will continue to bleed for the next 6 months...