ironman16

Nothing new that's already been preached here. I for one agree with the 8 to 9 fund approach provided you keep to your diversification. Reaccess  your portfolio annually. Drop those who are underperforming. As for the must invest region they are absolutely right.

How was the attendance?  Good? Please don't say only a handful or else FSM won't be opening an office in Kuching

participants got 0.8 % SC offer (one time only, now wait the mail from FSM), other door gift like pen , diary, ...

attend oso second slot but too many financial term , plus my child start calling me when the time is 1.30pm, until 2 pm still Q&A, so i miss that one....

i blur 
hoping other that attend can share

also hope the sabahan can share the summary slot at sabah....

can share a bit about the affin talk?  

u ppl already know will get the 0.8% SC b4 the talk?
i just realise it on that day.

i attend 2 slot , dont know can get two token 0.8% SC bo......

That's why I will be providing monthly regular update until I decide to sell it off.

Think of wrap account like FSM SG where you pay platform fees (I think 1%pa? The more money you have inside, the higher the charge) But unlike FSM SG where you don't need to pay service charge, this still need to pay service charge. Both of them (FSM MY wrap account & FSM SG normal account) let you switch freely.

Er rather not. Sorry.
I have FSM MY. Was thinking between FSM SG/POEMS SG/Dollardex. Decide to go with POEMS SG as I don't like paying unnecessarily for platform fees as every cent/dollar save = more money for investment. Platform fees is basically an excuse to suck extra money from you. FSM SG is the only one out of the 3 which charge platform fees
FSM SG 0% Service charge + 0.4%pa platform fees
POEMS SG 0% service charge + 0% platform fees
Dollardex 0% service charge + 0% platform fees + ~0.25% pa trailer fees (which they said already counted into the NAV.)

I already did a calculation showing that  SC at 0.75% and 1% (this was the service charge by POEMS SG (0.75%)and Dollardex (1%) before they decide to cancel the service charge to bring the fight to FSM SG) vs FSM SG 0.4% platform fees and the service charge is way cheaper than paying for annual platform fees.

This is because you are paying a one time charge vs recurring annual charges. People never miss what's small. Hence it's easier to suck/siphon off small amount every year.

May I remind everyone that wealth is not the most important asset.  Time is. 
To someone else, it might just not worth the time to-and-fro Singapore for that few dollars earned. 

To simplify things, this is a simple calculation :
True Investment Value = Money Earned(or Saved) Divided by Time Spent Travelling (hours/days)

If say, you saved 50 dollars extra by travelling to Singapore which takes probably around 5 hours to-and-fro (total of 10 hours).  So, your true investment value is 50 dollars/10 = 5 dollars per hour.
You are in actual fact being paid 5 dollars per hour for your time and effort.  This has not taken into consideration of logistic, accommodation and F&B costs.

It might be a different story if you have a relative in Singapore whom you visit often or you travel to Singapore for work often.  IMO, travelling there just to save that few pennies is totally not worth it. 

Do not be "Penny Wise, Pound Foolish".  Save on toilet papers, but spend lavishly on Ferraris.

That's true. However I can also show how to do all these from your own living room. No need to go SG also. However keep in mind returns of 10% in Malaysia is not the same as returns as 10% in SG.

Also, let's push it further shall we?  

Source: https://forum.lowyat.net/index.php?showtopi...post&p=84336206

wew.. Manulife US and TA Global Technology Funds are bleeding these past few days.

Normal what. DT fail in the healthcare bill, went and bomb syria, afgan, send a aircraft carrier to korea. All causes uncertainties and those investors start panicking.

For sg or my?

For MY
- KGF
- Eastspring smallcap
(to test which give the best return)
- Cimb Asia Pacific
- Affin Hwang Quantum
(to test which give the best return)
- Manulife AP reits
- Amasia reits
(to test which give the best return)
- Manulife India
- TA Global Tech
- United Asian HY Bond Fund
United Asian HY Bond Fund volatility 5.95
Schroder Asian Income fund (mother fund of RHB Asian Income Fund) volatility 5.59
Slight difference but more consistent result with United. I am using FSM SG data here as no data for this fund exist in malaysia

Keep in mind this was set up long before I opened my SG account and was meant to be consolidate 2 funds into 1 funds. Wanted to buy this united fund but too expensive in Malaysia and cheaper in SG at only SGD1k vs RM10k but at that time scared cannot get the opportunity to buy in SG so buy in Malaysia first.

Original plan:
1) After 3 years cut down no of funds to 6 from 9 or maybe make it to 5 cutting out Malaysia totally

New plan:
1) Slowly shift the funds over to SG

Will post up my planned portfolio in FSM SG thread. Make it more lively and less OT 
Never forget that US is the largest economy of the world and China is no 2. What US do affects the world. Yes Asia is growth engine but keep in mind if US keep rising interest, asian debts are going to be in big trouble. (you can google this)

Already have it. Never have a bond in my portfolio until I took a look at united. That time was tempted between Affin Hwang Select Bond/RHB ATRF/RHB EM. Cannot decide as those 2 RHB bonds are usually dependant on USD/MYR. The volatility of those 2 funds my goodness 

Then did a few digging back into FSM SG thread and saw this united fund being recommend. Decide to research it by comparing between
United Asian HY Bond
United Asian Bond (mother fund of RHB ATRF)
United Emerging Markets Bond Fund (mother fund of RHB EM)

Where can you find bond fund which give you annualised 3 years return of 13.16% at volatility 5.95. It's closest competitor was United Asian Bond at 7.38 % and volatility of 5.62. When you compare it in terms of 1 year, 2 years, 3 years United Asian HY Bond beats United Asian Bond hands down.

Keep in mind that the same fund may perform better over Malaysia side vs SG side.

Of course RM la. Mana ada duit to buy SGD/USD10k worth of fund
Of course if you buy the same fund directly from SG, it's only SGD1k vs RM10k in Malaysia.

No. All the MY funds I listed I have. Just haven't sell as I said they haven't meet my personal profit level to sell. I only choose SG for few reasons:
(i) potential to earn more returns
(ii) higher selection of funds
(iii) cheaper cost for me to buy/switch at will

I bought amasia reit first (about 3 months before manulife) based on everybody's recommendation. From that time until purchase of Manulife AP reits, it's basically stagnant. Hardly move.
Decide to buy equal amount of Manulife and see for comparison. Upon buying Manulife, can see substantial difference. Macam ada oomph

IMO it's still a useless fund. It haven't proven me yet that it's a good fund   Initial plan keep for 1 year and see. Kasi chance.

I have already entered SG market just not SG UT with the remaining FD money (it was originally meant to be injected into Amanah Saham which got diverted to FSM MY which didn't get to see it being used to buy any funds aka sitting in egia)

If it never reach, just keep la. I still need some stuff in Malaysia (min amount). No point changing when you are not ready to move. It will reach as it's quite close. Just need the removal of safety regulations, passing of spending bill by Donald Trump and it will spark another bull run which is my cue to tarik my money out of FSM MY.

For Malaysia part, most likely keep as Affin Hwang Select Bond Fund provided eUT MY can give me 0% service charge as they don't sell United.

I bought amasia reit first (about 3 months before manulife) based on everybody's recommendation. From that time until purchase of Manulife AP reits, it's basically stagnant. Hardly move.
Decide to buy equal amount of Manulife and see for comparison. Upon buying Manulife, can see substantial difference. Macam ada oomph

IMO it's still a useless fund. It haven't proven me yet that it's a good fund   Initial plan keep for 1 year and see. Kasi chance.

I have already entered SG market just not SG UT with the remaining FD money (it was originally meant to be injected into Amanah Saham which got diverted to FSM MY which didn't get to see it being used to buy any funds aka sitting in egia)

If it never reach, just keep la. I still need some stuff in Malaysia (min amount). No point changing when you are not ready to move. It will reach as it's quite close. Just need the removal of safety regulations, passing of spending bill by Donald Trump and it will spark another bull run which is my cue to tarik my money out of FSM MY.

For Malaysia part, most likely keep as Affin Hwang Select Bond Fund provided eUT MY[B] can give me 0% service charge as they don't sell United.

Speaking of free service charge, whoever who have >RM5k can sell your Affin Select Bond Fund on FSM and buy from eUT. They have mega sales promo now   
Valid until 31/5/2017
https://www.eunittrust.com.my/fundInfo/promotions.asp

0% service charge, 0% platform fees.
Nope. Tak da. Never had it But will open to park Affin Hwang Select Bond Fund there