while waiting for responses, you can try to see FSM MY currently preferred funds for low risk, balanced and higher risked funds
https://www.fundsupermart.com.my/fsmone/res...commended-funds

PRS Campaign 2020: Receive RM40 Touch 'n Go eWallet Reload PIN



Terms and Conditions:
1. Campaign period: 12 October 2020 till 11 December 2020.
2. Participating PRS Providers for this campaign include Affin Hwang Asset Management Berhad, Principal Asset Management Berhad, Kenanga Investors Berhad, RHB Asset Management Sdn Bhd and Manulife Investment Management Berhad.
3. New or existing PRS investors who invest a minimum of RM3,000 in ONE PRS Fund from any of the 5 participating PRS Providers in a SINGLE transaction during the promotion period are eligible for One (1) RM40 worth of Touch ‘n Go eWallet Reload Pin.
4. The investment amount of RM3,000 can include PPA account opening fee of RM10 for new PRS investors, or PPA annual fee of RM8 for existing PRS investors.
5. All cash payments and completed forms must reach us by 11am, 11 December 2020.
6. Purchase orders together with cash payments and completed forms received after 11am, 11 December 2020 will be voided.
7. This promotion does not apply to transactions involving Intra Switch Buy and Inter Switch Buy.
8. Each person is only entitled to One (1) RM40 worth of Touch ‘n Go eWallet Reload Pin.
9. FSMOne will have the final decision and reserves the right to substitute a prize which it reasonably determines as being of equal value. Any further correspondence will not be entertained.

Collection: The Touch ‘n Go eWallet Reload Pin will be emailed to you latest by January 2021. Please refer to the terms and conditions of the Touch ‘n Go eWallet Reload Pin.

Campaign link: https://www.fundsupermart.com.my/fsmone/art...llet-Reload-PIN

30% of what you had invested can be withdrawn subjected to i think 8% tax
the remaining 70% have to wait till retirement

Amanah Syariah Unit Trust Fund doesn't invest into equity market (share market). If you want to understand why it drops, you should investigate the local bond market movement.

The fund itself is investing into commercial bond papers:

Investment a minimum of 70% of the Fund’s Net Asset value
The Fund will invest a minimum of 70% of the Fund’s NAV in Ringgit and foreign currency sukuk rated at least ‘A’ or ‘P2’ by RAM or its MARC equivalent rating or A- by S&P, or its Moody's and Fitch equivalent rating.

Top 5 Holdings:
Tropicana Corporation Berhad
WCT Holdings Berhad
Lebuhraya DUKE Fasa 3 Sdn Berhad
MBSB Bank Berhad
Cypark Ref Sdn Berhad

https://www.fsmone.com.my/admin/buy/factshe...eetMYARFSTF.pdf

I'm not sure where you can track these commercial debt papers easily .

let alone bond fund has no direct relationship to share market, unit trust NAV doesn't reflect their price as of today's market

u might want to aware that unit trust NAV latest is as of yesterday

Just bought Affin Hwang World Series - Global Disruptive Innovation Fund - MYR Hedged at RM5k.
My first high risk investment to start in 2021. Is it a good investment considering its (ARKK ETF) fall in performance in recent days?
Just share your thought guys .Would appreciate it.

Sabar, dato 😂
Peak hour n gonna break liao, x makan bo mati o.
If u apply 9 or 10 am, should b settle oledi 😁

Cutoff time now 3pm or 2pm?

The fee that been charged is bcoz u hold bond fund that incur platform fee?

as i know CMF2 didnt charge fee like this.....

should b due to ur bond fund as MUM said (pic) 

platform fee charge quarterly