either not making money or scare away by sifus here d 

Under 1 years returns, I see that certain funds offer 40++% returns.
This seems unrealistic to me  Or this is how it is supposed to be? (I don't know, need your advice)

Can I assume that this is due to the facts that these funds had just launched and this is the results of volatility?

NOOB QUESTION ALERT :

Should I really include Cash Management Fund into the Polarbearz Excel?  Wouldn't it screw up the entire portfolio allocation analysis? 
Ideally we want to analyse our percentages of equities and bonds, but CMF is almost like savings account.  Kindly enlighten me.

Dear Sifus, I am trying to adopt a value cost averaging approach to my portfolio. How do you think I best do this? Top up every month on the fund in reds?

I don't do property flipping so that house is for my own and future family. personally feel that property flipping brings bad karma as it affects other young couples who want to buy a home and we are the ones stopping them from doing so not the developers.

means probably wednesday

hi guys, may i know is there a page in FSM website that states all the costs for investing via FSM? I am reading a book currently and the author recommends low cost index funds over mutual funds for the reason that mutual funds often possess a lot of hidden charges.

Actually ive always seen ppl advise to buy prs for the tax relief . Is it worth it to get your money locked up for so long? Sure u might get an instant 2x % return, but if u can only withdraw it in 20++ years, that means u are only getting a ~1% return p.a.
Is it worth it with only limited fund choice?
Does this makes sense?

Maybe I did not make my sentence clearer...
What i meant was the initial tax relief you got when amortised (new word to me) over a long period of time, the advantage is probably not going to worth it for all the hassle of PRS..
E.g. you get 20% tax rebate from the PRS, and you still have 20 years before you can withdraw this money. This works out to roughly 1% p.a. which means  whatever your PRS return was that year, you add 1% return to it.
So this versus you put this money into FSM or whatever and actively manage it whereby you are free to choose between hundreds of UT products and you are free to withdraw all during a freefall..

Hope you get the gist of what I am trying to say, I aint well-versed in economic terms.. I am not disputing the power of compound interest or UT in general

My point is there are pros and cons and probably more cons than what ppl thought.
E.g. If we have a retiree-gonna-be, then this PRS income tax relief is a no brainer, since he is going to get his money back within a few years

GF want higher rate than FD, I ask her sai lang to Affin Hwang Select Bond Fund, is it okay? No need customize also like Fundsupermart right ? Feel other funds just dragging Esther down.

Can I know what can happen to fixed income fund during market reset or big financial crisis (like the one during 2008)? I saw Esther's fund in 2008 doesn't sink much. 

Sorry Kakak Adele123, referral token nih ape? Gua pakai wrap akaun, tak tahu fasal itu ape referral token, nijer trick etc...

Xuzen

Same like, how many of u really...let's say, u go to bank deposit cheque for RM1K. Do u really go check 1-2 days later whether it cleared? Or u withdraw RM1.5K from ATM...do u immediately go check your bank balance correct or not?

We have come to the age where we can sufficiently rely and trust on our technologies.

extend the rows to accommodated the number of funds required in your portfolio?
unless the number of funds in your portfolio exceeded the number of rows in the excel programs....
I think is > 10 000 rows

I don't mind paying. I suck in excel. do you have one?

Are there any other equity PRS funds that you guys would recommend me to explore (not solely invested in Malaysia and it has to be an equity fund) ?
Thanks

Which affin hwang do you mean?

If...if....if...so easy to do stock picking by DIY,    .......all the funds with all their resources will easily keep their funds performance on a straight upward trends....

Damn I got in the market at the wrong time (Tuesday buy, now is already priced). Should I exercise cooling off?

it is up to you to decide whether you should you exercise cooling off right....

but there are some T & C on cooling off right.
https://www.fundsupermart.com.my/main/faq/2...-Off-Right-1571

just wondering,...no right or wrong.....
how can one stay invested when they have the fear when ever there is a bit of shake out in the markets....just like last Tuesday (which happened to be just 1 day affair).....should they be really honest to themselves and evaluate whether Unit trust investment is really suitable for them.....there is no shame of just go back to FD....."Safe, known the ROI and stay on duration".

Thanks ...

Then i should buy it as tom is last day...

RM2k enough?