funny they left out kenanga. i wonder why

It is Kenanga Growth Fund

Wonder y FSM recommend a portfolio with 40% bond fund for you?

May be you are looking for a balanced fund portfolio for long term retirement purpose......

I think the best balanced fun is xuzen fund.Not too risky and I think is better than this.

should be just right. in terms of bonds, i follow the rule of percentage according to your age, example, if you are 26, your portfolio should have 26% of bonds and when you get older, it increases. But that is just me. i think others don't have this rule. just anything they are comfy with.

Add in the % for each allocation?
Try read page 37, post 731....something to ponder about while you allocates

No, you should go for poems SG.

FSM SG is worse that MY if you ask me.

Follow puchongite advise. Avoid FSM SG at all cost. That'w what I am doing. I didn't even bother opening account with FSM SG after finding out they are going to charge platform fees vs Phillip SG (that time was 0.75% SC for POEMS. Now it's totally free ).

Since you are working in SG don't need to put in FSM MY. I am transferring my money to POEMS SG. Reasons:
(i) wider selection of ufnds
(ii) funds perform better than MY counterpart
(iii) cheaper (0% SC, 0% platform fees, 0% switching fees)

Reason for keeping some in FSM MY:
- Emergency use other than what I have in Maybank eGIA-i

Use info rom FSM SG and buy from POEMS SG. FSM SG information is better. 
Wrong. Why pay platform fees when POEMS give 0% SC, 0% platform fees, 0% switching fees?    Use FSM SG for their info. Avoid buying anything from them.
Agreed.

Want to know what's worst ?

Having a Malaysian think JJPTR > FSM  
I know a few people personally with these kind of impression

Apa itu JJPTR? Scam?

out of curious, googled them.
picture inside

I'm surprised you even think they actually 'invest'
well this is what the education system designated to create dumb citizen... and at the same time drain them of their money. So the population is mainly dumb and poor. Then something comes by claiming exclusivity and money, and many of the dumb and poor fell.

Do not be envious, for all you know, your friend could be suffering as per this unker

Answer to your note - There are ASx funds that allows non-bumi to invest in, they are usually fully subscribed but you can still try your luck to place your orders. Especially now there's online portal to do it. Look for the Amanah Saham thread and the folks will guide you accordingly

As for FSM MY, personally I'd go for it. Yes, they charge one off sales charge for equity funds, but that means no platform fees. So long run it can work out to be cheaper. There's also switching ninja trick that makes sure you only pay sales charge once for every ringgit you invest in equity fund. but it's tedious la

Unfortunately FSM MY does not offer robo advisory yet, so you will need to figure out what fund you want to invest in and buy them accordingly. There's a list of favorites among the forumers here. Crystal ball's prediction is particularly popular. I can list you mine too but I take no responsibility if you lose money following my recommendation 

Fund choice of the month is published as an article, you can see it on the home page under Funds and personal finance. This month's
https://www.fundsupermart.com.my/main/resea...arch-2017--8056

Ninja trick basically mean making use of the credit system that FSM MY has, that everytime you intraswitch within the same fundhouse from an equity fund to a bond fund, you get credit points so that the next time you intraswitch from the bond fund back to equity fund you don't have to pay sales charge again

Some forummer discovered that say if you want to switch from EQ fund from fund house A to EQ fund in fundhouse B which is an interswitch, traditionally you'd need to pay sales charge
But if you are not time sensitive, you can do the following
EQ fund in fundhouse A intra-switch to bond fun in fundhouse A (get credit point)
Then bond fund in fundhouse A interswitch to bond fund in fundhouse B (no sales charge)
Bond fund in fund house B intraswitch to equity fund in fund house B (utilise credit point)

Trouble with this is, it takes about T+4 for each transaction to be recorded before you can move to the next transaction; so all in would take you maybe 2 weeks to complete and by then the prices would have fluctuated and you may lose out as a result. That's the cost of trying to save sales charge

Some of my personal fav includes:
Affin Hwang Select bond fund (aka Esther bond) - stable and around 6% annualised return; some exposure in both MY and asian bonds
Affin Hwang Select Asia (Quantum) fund (aka ponzi1.0)- small and medium cap; some exposure in both MY and ASEAN equity
RHB Asian income fund - mainly bond and REITs, fairly stable; but you can buy the mother fund in FSM SG also
CIMB Asia Pacific Dynamic Income (aka ponzi2.0)- Asian equity fund; quite consistent and covers different type of companies than ponzi 1.0
CIMB global titans fund - developed market equities (US, Europe, Japan); the better ones among the global funds
EI Small cap (aka kapchai) - Msia small cap
RHB Islamic bond - local sukuk

Since you have lots of exposure on asia and global funds I'd recommend for FSM MY you focus on those that you can't buy in FSM SG; particularly Esther bond, ponzi 1.0, kapchai
ponzi 1 only increase by 1%; it's Asia Pac Eq income that increase by 2.4%. Not quite my fav fund, but did make money recently

Esther bond anytime is fine to buy, it's VERY stable 
In hindsight, 6 months ago was the best time to buy, so I won't put all the funds in at one time now. Maybe set a RSP to put in slowly for the equity funds; in the meantime you can just keep the funds in CMF, it earns about 3.3% interest per annum. Some would argue REITs fund is good too; and india...

In terms of composition you can take a look at FSM's recommended portfolio

I don't switch regularly. I'm the type who just park there and unless the fund really underperform against its peers otherwise I'd just top up accordingly to meet my desired portfolio allocation. I do try to use credit ninja trick, but the credit just stays there and I hardly utilise them.

Unless if you keep switching; otherwise the sales charge of every dollar you invest in FSM MY shd hardly exceed 2%; with the assumption that you have some bond fund exposure and sometimes your purchase coincide with sales charge discount and you manage to get some tier discount knowing how much you invest in FSM SG