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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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ehwee
post Feb 20 2017, 03:23 PM

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QUOTE(Steven7 @ Feb 20 2017, 03:19 PM)
May I know which Kenanga fund you are referring to? It must be good since you surprised they left it out.

BTW, what is the difference of investing in "normal" fund compared to PRS ?
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It is Kenanga Growth Fund

Wonder y FSM recommend a portfolio with 40% bond fund for you?

May be you are looking for a balanced fund portfolio for long term retirement purpose......

ehwee
post Feb 28 2017, 12:23 PM

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looks like PM get lots of Lipper awards 2017

http://www.lipperfundawards.com/Awards/Mal...17/Fund/#filter

any thought?
ehwee
post Mar 2 2017, 09:52 PM

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QUOTE(Avangelice @ Mar 2 2017, 09:26 PM)
I think you need to fully understand the difference between vca vs dca. please have a read in this article
https://kclau.com/investment/value-cost-averaging/
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Nice article on vca, thanks 👍
ehwee
post Mar 10 2017, 04:38 PM

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thanks Xuzen for helpful thought above.

One thing I need some clarification from sifus here.

since RHB asian income fund has a switching fee of RM25.00, let say if I hold it and want to switch units from this rhb fund to cimb greater china fund in fsm, what is the total charges I need to pay?

is it 2% SC + rhb RM25.00 switching fee or I just need to pay the RM25 without the SC?
ehwee
post Mar 10 2017, 10:26 PM

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QUOTE(repusez @ Mar 10 2017, 09:09 PM)
hi ,

just tried with my own account, for switching rhb asian income fund to cimb greater china,you will not be charge switching fee rm25.  but you'll need to pay for the 2% sales charge on cimb greater china.

if you want to do switching for free using credit system, switch RHB Asia Income to rhb money market fund (MMF), then RHB MMF > cimb bond fund ,
then cimb bond fund > cimb greater china . cimb bond fund need minimum rm2k for initial amount.

if i'm not wrong the rhb switching charges are only for rhb intra switching for all rhb fund except for rhb money market fund and also for free intra switch between rhb smart series
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Thanks repusez for the explanation 👍
ehwee
post Apr 5 2017, 11:19 AM

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QUOTE(Ramjade @ Apr 5 2017, 09:48 AM)
We are buying fund manager expertise. Not the fund house brand. laugh.gif
Give you a scenario
1. You buy bond A, with service charge + platform fees and returns of ~4%.
Bond A defaulted, money all gone.
2. You buy bond fund B with 0% service charge + platform fees and return of 6%. 1-2 bonds defaulted, no problem.
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if the benefit of buying bond A is just the guarantee of getting back our capital + 4% profit with a risk of the bond defaulted, is it better to just put the same money to premier fix deposit which also can get our capital back with similar 4% profit?

just wonder?

ehwee
post Apr 23 2017, 01:27 PM

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what do you guys think of investing in RHB CHINA-INDIA DYNAMIC GROWTH FUND?

if this fund better compare to CIMB China-India Indonesia Equity or
MANULIFE INDIA EQUITY FUND ??

I plan to put some investment in India market, look like Manulife india equity fund has yield greater profit currently yet it has more volatility when considering it invest in single country.

while CIMB china India Indonesia equity, I think the profit of this fund is drag down by it investment in Indonesia market.....

So I am think of invest instead in RHB china india dynamic growth fund because of these reasons mentioned above after looking at the chart analysis comparing between these 3 funds.

haven't heard from anyone here mentioned about RHB china india fund, don't know if this fund worth for investment?


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ehwee
post Apr 23 2017, 02:21 PM

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QUOTE(T231H @ Apr 23 2017, 01:49 PM)
that is not an apple to apple comparison....cannot compare
1 is a single country fund...thus presumed to be of highest risk/returns
1 is a 2 countries focused fund...thus presumed to be of lesser risk/returns
1 is a 3 countries focused fund....thus presumed to be of much lesser risk/returns

if you believe FSM try look at the STAR RATING and review your current allocation in this countries which you may already have some allocated unnoticed....
example...if you have Ponzi funds...you may already have China/Hk in there.
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Ya, thanks for reminder on balance up my investment profile, I have both ponzi 1 & 2, and also asian income fund, so do you think I should just invest in manulife india fund instead if I don't intend to invest more in china currently?

Ramjade may i know the reason you think of just invest into manulife india instead? greater china is out of my plan for the moment
ehwee
post Apr 23 2017, 02:49 PM

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QUOTE(Ramjade @ Apr 23 2017, 02:38 PM)
Rhb China india is divided equally into 50-50 china and india. With Manulife india and cimb greater china, you decide the allocation. Don't like 50-50, do 70-30/20-80 etc.
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OK, thanks for the explanation, will consider this for sure

T231H

generally my current porfolio distribution as below:-

malaysia - 20%
apac ex japan - 50%
global - 15%
bond - 15%

consider my current apac funds has only small portion of india allocation from them and more on china and apac areas, I am thinking of adding more to india market.

that is the reasons I consider invest in either manulife india or RHB china india dynamic fund

manulife india fund might has higher volatily risk for myself, that why I am thinking invest in RHB china india dynamic fund instead, as it allow fund manager to make adjustment on both country if anything happen to india market.

just don't know if this RHB fund is good?

May be I should consider what Ramjade said just invest directly in manulife india with minimum amount that I feel comfortable if I worry about the volatility risk......

This post has been edited by ehwee: Apr 23 2017, 02:51 PM
ehwee
post May 24 2017, 09:29 PM

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what happen to RHB emergence market bond fund drop -2.29% yesterday 23/5/2017 ??
ehwee
post May 24 2017, 09:32 PM

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QUOTE(T231H @ May 24 2017, 09:30 PM)
Distribution...
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O I see, thanks
ehwee
post May 26 2017, 07:07 PM

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QUOTE(Ramjade @ May 26 2017, 07:02 PM)
Expect more people will pump money into CMF now that eGIA-i tutup kedai  biggrin.gif
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I am one of them rclxm9.gif
ehwee
post Jun 1 2017, 06:39 PM

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QUOTE(Steven7 @ Jun 1 2017, 05:18 PM)
Should one still keep ponzi1, ponzi2 and titanic due to recent stagnant performance or should one switch ?
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ponzi 2 still achieve earning of 1.2% in May, consider good return, of course can't compare to TA Global Tech, Eastpring emergence fund yet I see no reasons to sell it for other funds??

Asia market on the way downtrend in near future?
ehwee
post Jun 15 2017, 03:10 PM

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QUOTE(xuzen @ Jun 15 2017, 02:51 PM)
Compared to now it is a rip-off, but back then there were no competition and I think Pub-Mutual was their natural competition and Pub-Mut won the war because they offered something better at a cheaper price. (5.5% vs 6.5%).

Now, FSM / Phillip is winning the war against Pub-Mut.

If Pub-Mut wants to survive, they need to offer a DIY no agent option at 2% or equivalent. They already have a very good online platform in the form of PMO. It is just they are too slow to adapt to modern competition.

Also, they need to fire their current bunch of loser Fund Manager. They SUXS!

Xuzen
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It's true, my PM so called fund consultant never advice me yet have to wait for their reply more than half a day if I ask some consulting questions to him

Actually some PM performance still quite good comparably, so sad their bad consultant and high SC made me stay away from PM nowadays

In fact, I just received a email from PM asking for customer suggestions to improve their product service, it's seems PM still cannot figure out the reasons why people quit PM nowadays.......

This post has been edited by ehwee: Jun 15 2017, 03:12 PM
ehwee
post Jun 15 2017, 05:30 PM

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QUOTE(dasecret @ Jun 15 2017, 04:05 PM)
Err... seriously? Which fund exactly?
Thing is, a lot of them buy local equity funds using EPF, because easier for agents to get high amount through EPF than cash investment
Now.... for the past few years, returns less than EPF dividend.... how?
just some examples

PUBLIC GROWTH FUND YTD 12%
PUBLIC TACTICAL ALLOCATION FUND YTD 11.5%
PUBLIC FAR-EAST ALPHA-30 FUND YTD 13.5%

don't shot me sifus, I am not PM consultant, just a small investor at both PM and FSM, what I meant was if didn't consider their high SC, PM actually have some good return funds, why don't they offer 2 systems, one in DIY like FSM that has around 2% SC or lower, the other one remain their current SC 5.5% for people don't trust online platform and prefer face to face consultant service?

may be like what 2387581 said, PM don't care about small fish as long as they can hold their bigger customers

This post has been edited by ehwee: Jun 15 2017, 05:31 PM
ehwee
post Jun 16 2017, 09:42 AM

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QUOTE(iamoracle @ Jun 16 2017, 07:55 AM)
You count yourself lucky if PM agent didn't bug you whenever their new fund was launched in the market. What amazed me was PM never stopped launching new fund every year while their current funds were underperforming.

Some of these agents aka fund consultants are more interested at milking you than helping you to make money.  smile.gif If you really listened to them, you will end up buying every single new fund during launching.  biggrin.gif
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Hehe, I am smart enough to analyze any potential of new and current fund performance prior buying them
ehwee
post Jul 31 2017, 07:46 PM

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Ponzi 1 is not performing currently, I still has confidence to the FM thou and wish to top up actually yet the fund oledi soft close......

wonder what is the actions you guys made to ponzi 1 now, trim profits or just hold it till it cease soft closing and open for purchase again?

This post has been edited by ehwee: Jul 31 2017, 09:30 PM
ehwee
post Sep 27 2017, 05:51 PM

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Manulife India Fund has been drop for straight 6 days since 19/9, looks like it's going to drop also on today market for straight 7 days

the aftermath effect of gst start showing affects on indian economic as India's GDP growth hit three-year low to 5.7 per cent in second quarter 2017

India economic slowdown a bit now, should we top up india fund now or hold and wait to see how it goes on current market havoc??
ehwee
post Sep 27 2017, 07:18 PM

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seems not a good news for indian fund today

http://profit.ndtv.com/news/market/article...essions-1755880
ehwee
post Oct 7 2017, 02:29 PM

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QUOTE(MUM @ Oct 7 2017, 12:39 PM)
historical charts is historical data.
it did not shows the future.
you buy now to look for the future.

a "high" at the point of entry could be a low in historical sence...
just look at this Nasdaq composite indexes.
the high keep on going higher since 1971
http://www.nasdaq.com/markets/nasdaq-composite
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Nice sharing

Hopefully it will not have another web bubble like recession that shown on the chart between 2000 to 2015 that NASDAQ need almost 15 years from 2000 to reach new high....

Anyone thought on current tech schene especially now with the per AI trend? Will AI tech drive NASDAQ further up?

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