Long story short, my girlfriend was duped by bank officer to invest in "unit trust" a year back. When I asked a copy of her documents I found out her portfolio was actually an endowment plant linked with a insurance company. She had to place 3k per year for the next 8 years and get a measly return of 3% Irr. (did the calculation)

So I went to the bank and had a little "chat" with the guy and pulled out all her funds and now I'm actively managing her fundsupermart portfolio.

I would like to highlight that one shouldn't be focusing on the small things like platform fees and service fees when you should infact be thinking about where to invest in.

yes you are paying 400myr for a 100,000myr bond fund but you forgot the one reason you stepped into the whole unit thrust thing was the returns. so 6% of a bond fund is 6000 myr per annum. what's that 400 compared to the returns. I doubt that some of us focus on 400 when wasting money on cigarettes and booze and don't tell me all of you do not smoke or drink.

400myr/12 months = myr 33. don't tell me you don't spend more than that for yourself each month.

come on the topic has been done to death. it's getting a little tedious by repeating itself every forth night

wah this is another whole new level of sadness. make new account just to defend another.

whatever man. I'll just wait for Interpac to get into trouble and you guys will disappear. every stock counter there's always that group of people singing praises then run tail when it becomes bad

or you get burned in the process, make the wrong calls and lose the money you invested, you owe the bank a substantial amount of money and forced to sell your assets to cover the lost.

I do not have any beef with you but I need to remind those who follow your way of investing be aware of what is at stake.