1) The net interest rate for the Cash Account in MYR is 2.10%. Currently, there is no interest earn for Cash Account in AUD, CNY, EUR, GBP, SGD and USD. The interest will be calculated daily and paid monthly into Cash Account.

2) Kenanga Growth Fund and/or Principal Asia Pacific Dynamic Income Fund are/is bond fund

3) No additional charge as 1.75% will deduct from your invested money first

4) No fee for repurchase/redemption. Read the respective fund page for details

1) Generally, most of the funds that charge 1.75% are classified under equity fund. 0% is normally for fixed income funds including bond funds. It'll be spelled out under Charges in the fund page

2) You're no wrong at all. Best is to refer to the respective fund page

3) If you hold a bond which attracts platform fee, you'll be billed accordingly.

4) Answer as in (1)

I had this dilemma too then I found out about their RHB Cash Management Fund 2. Its at a decent 2.9% and I essentially treat it like my FD. We can also conviniently have the monthly RSP auto deduct from there.

ok.
Btw anyone going into REITs? I am eyeing AmAsia Pacific REITs -Class B (MYR) but seems too high now.

should be opposite? in low interest environment usually go to REITs for the return..And Reits benefit because bank interest is low

Quoting the chief investment officer for AmFunds :

REITs tend to outperform when interest rates are low and underperform in a rising rate environment, and this has proved to be largely true for REITs in Asia-Pacific.

true. Im also concerned on China n HK reits. So I'm ok with Amasia's REITs, 2%+ in china. still ok laa

This Am Asia REITs is heavy on Singapore. Though interest rate lower but the return last year is very good. I just do not see any temporary going down, so guest have to enter little by little, testing water.

Agreed. China has been pumping liquidity n promises into the market and everytime that happens China market goes up. They also seem undecided on the methodology on how to count suspected cases of covid19. They made 6 methodology change so far n give some panic n false hope to the market each time. I wouldn't really trust the number coming out of China. Recently the number of local infection outside of China has slowly coming up too. Another thing to watch for.

COVID-19 is causing gold, USD and safe haven bonds spike!

For what? Down market is the best time to make money. Can't wait to load up. Money is not make chasing high price.

I do not buy unit trust anymore from Malaysian market when I can get zero commision and better quality funds every day over in Singapore.

No fund is good to buy now. 1-2% drop does not interest me. Will wait when they drop at least 10%. The more it drop the better.

The only Malaysian unit trust I have is my prs. RM3k for 20202 is ready to be loaded into it when time is right.

Ramjade only will go to market will it crashes on more then 15% and above as his precious 2019 thread. You don't need to ask him what fund and what timing lol....

Do not use FSM SG to buy unit trust. It will cost you more than FSM MY in the long run. Quarterly platform fees.
Use POEMS SG, or Dollardex. POEMS if you are like me. No address in Singapore, not working in sinpgapore.
Dollardex if you are working there with valid local address.
Yup that's right.   

Saudi-Russian breakup could collapse oil prices
Alliance that has propped up market for three years unravels at worst possible time
published : 7 Mar 2020

An alliance between Saudi Arabia and Russia that has helped to prop up world oil prices for the past three years has collapsed, threatening to send the market into freefall.
The breakup comes at a time when oil demand is already severely weakened by the economic of the coronavirus outbreak. Prices have already declined by more than 25% since the start of the year, with benchmark Brent crude trading around $45 a barrel on Friday.
If the Saudis and Russians start to pump more in an attempt to protect their market share, prices could fall to $30 or below, say energy industry analysts.

https://www.bangkokpost.com/world/1873704/s...apse-oil-prices

what will be the implication to the Eq markets?
if oil prices down....inflation will be lower?,
if inflation lower, interest rate has chance to go lower?

Plus Side to Low Oil Prices
While low oil prices have negatively affected the international economy, many forget that declining prices can lead to great long-term benefits.
In a recent Bloomberg article, BlackRock Inc. Chief Executive Officer Laurence D. Fink noted that low oil and gas prices will help both consumers and the global economy in the long run.
“The reality is 4 billion human beings are going to have cheaper energy, cheaper heating, they’re going to have more disposable income,” he said.
“And ultimately that’s going to re-accelerate the global economy.
It may take six months; it may take a year, but this is all good.”
https://www.cpvmfg.com/news/low-oil-prices-...world-business/

Another important link between gold and oil is inflation.
As crude oil prices rise, inflation also rises.
Gold is known to be a good hedge against inflation.
The value of gold only increases when inflation rises.
Over 60% of the time, gold and crude oil have a direct relationship.
The chart shows historical prices for both dollar-denominated assets.

The Correlation between Gold and Oil
https://marketrealist.com/2015/12/correlation-gold-oil/

at this current volatility time, why GOLD did not up much?

It couldn't even maintain its 1700 level achieved earlier of Asian trading day.

i think coz most investor dump into T bond instead.

What can Europe, US and China do to prevent market from crashing?
flushing the markets with cash like QE 10 yrs ago?
doing QE is building up one own country's debt to try to prevent market crashing in time of Covid19?
as there is no vaccine to be found in the next few months for this Covid19 yet.
the financial impact of this virus are still not yet being openly reported yet.....the financial reporting sessions of businesses for this Jan ~ Mar 2020 period (1st quarter 2020) has yet due for reporting yet.
building up one own country's debt to try to prevent market from crashing now is like pouring putting money in a dark pit of unknown depth & size?
expects more volatility during the 1st quarter financial reporting sessions....

I think, think and think....they can cut of the internet connection of those noise makers......easier to implement    .....if only they can   

imo, 16k will be the lowest, based on my calculation logically
potus said no to lockdown and crude oil <20, expecting it to hit <15 if saudi really do ramp up production on april
i remember when it hit 26k point, was at discussion with colleagues and they said its time to buy more its low enough but i said i am not buying now, still collecting bullet, its not low enough, it will drop more especially if the dow breach 24k mark but of cos
all of them said impossible and start laughing at my ''stupidity'' so i tried to explain the reason but they dont believe and some of the older colleagues quite sarcastically said i am young, dont talk so big/loud, this will cause me to loss opportunities.

so i still yet to pump money to the market. while they as of last week, they mentioned they out of bullet

For EPF approved funds:

For the full list of funds offered under each appointed FMI, members may refer to the
myEPF website at http://www.kwsp.gov.my/member/investment.

Search under "Where You Can Invest"

Otherwise use Fund Selector in FSMOne page and tick Yes on "EPF Approved":
https://www.fundsupermart.com.my/fsmone/fun...d-selector/////

eunittrust has reduced all sales charge to 0%

Movement control order to hit Malaysian REITs

Analyst Reports
Monday, 23 Mar 2020
https://www.thestar.com.my/business/busines...-reits#cxrecs_s

just a note: last few weeks there are postings mentioned AmReits has a much heavier allocation than ManuReits in M'sia...

TA with human/investor psychology analysis
side note, US fed kicking off ''unlimited QE" rescue
let's see if this will helps much
probably will help the dow falling below 18k for the short term

imo, the unlimited QE will not push the market to shoot up but rather stabilising it from big fall. personally was hopping it will drop to 12k but as of now, it's not possible.

16k would be more realistic, given current situation with current available info
not really. imo it will helps preventing further fall rather than pushing it up

I think China should have a small amount in your portfolio...