any recommended FD alternative with high liquidity while provide better interest than FD? mainly is for parking my money.
FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D
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 Nov 24 2020, 06:10 PM
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Nov 24 2020, 09:10 PM
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#2
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QUOTE(GrumpyNooby @ Nov 24 2020, 06:19 PM) Any money market fund will do.   would like to hear opinions from here still.QUOTE(tadashi987 @ Nov 24 2020, 08:47 PM) best performing pure MMF fund is Eastspring Investments Islamic Income Fund (aka Stashaway Simple) since I already put some money on Stashaway Simple and Amanahraya Syariah Trust Fund, I think AmIncome Plus probably more suitable for me.others alternative will improve slightly higher risk which mix MMF fund with bonds e.g. Amincome, Kenanga Money Extra or even higher risk, bond funds like Amanahraya Syariah Trust Fund thou the fluctuate is still small, you basically safe unless u encounter March crash again which it downfall 3.8% Thanks for your input!  |
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Dec 29 2020, 12:47 PM
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my mother recently received an inheritance, and she is kinda clueless in how to manage the money.
so about 60% of my mother's money is in FD, the rest in bank's SA. so I'm helping her to invest in funds rather than sitting in bank's SA. Out of the money she agreed to let me invest for her, 20% in AmanahRaya Syariah Trust Fund 3% in United Global Healthcare Fund - Class A - MYR Acc any recommendation for long term investment? (>8years) I was looking at about 20%-30% in fixed income, since she already put most of her money in FD |
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Dec 29 2020, 01:03 PM
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#4
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QUOTE(MUM @ Dec 29 2020, 12:50 PM) since most of the money is in FD,...still want 20~30% in Fixed Income fund? its not my money, so I opt for lower risk.no right or wrong, just her preferences.....just a thought here only put in 60K per year into EPF is another option... put in today, tomorrow or 31 Dec 60k, ...then next year another 60k is another option too epf self contribution not bad also, will tell her about this. QUOTE(WhitE LighteR @ Dec 29 2020, 12:54 PM) Better safe than sorry when it comes to other people money I feels. So just load up 90% on FI and maybe just 10% into very high risk high return fund like the recent ark innovation target fund by affin hwang or rhb global ai fubd. Take a barbell approach. Ya, need to tread carefully lol. Definitely will put a small percentage in higher risk funds, but 90% in fixed income maybe too much, maybe 50% tops. |
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Dec 29 2020, 01:19 PM
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#5
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QUOTE(WhitE LighteR @ Dec 29 2020, 01:13 PM) 50% in high risk i think is high in my opinion. Dont just simply pick an arbitrary number that u feel like it. Think of it more strategically. No, I dont mean 50% invest all in high risk fund.if 50% of the high risk fund takes a 20% dive, u lose 10% of your portfolio value if my math is right. U willing to take that kind of a hit? I mean 50% invest in Fixed income, the rest can invest in different medium to high risk funds. |
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Dec 29 2020, 02:23 PM
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#6
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QUOTE(yklooi @ Dec 29 2020, 01:37 PM) what is yr mother's risk level? I think a dip of 5% - 8% is enough for her to panic.how many % of (paper) losses to her portfolio can she take before she demand that you bail out to prevent further losses? what is the % of returns have you projected in to her for the amount of money handed over to you for investment? Looking at past performance of a few selected funds, around 9%-11% returns I think is reasonable. |
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Dec 29 2020, 02:27 PM
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#7
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QUOTE(GrumpyNooby @ Dec 29 2020, 02:26 PM) Past performance doesn't dictate future performance. ya, you are right... |
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Dec 29 2020, 02:48 PM
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#8
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QUOTE(WhitE LighteR @ Dec 29 2020, 02:43 PM) Try to think in terms of risk rather than absolute return. A lot of ppl don't have the stomach to ride through a downturn n even worst is I doubt u will have cash to add on for DCA. Because from the way u telling us the story sounds like it will be a once off lump sump investment. You are right, maybe I need to rethink all of this, that big dip in March is a very good example. Yea, pretty much is a one off lump sum investment. |
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Dec 29 2020, 02:57 PM
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#9
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QUOTE(ironman16 @ Dec 29 2020, 02:41 PM) demi kebahagiaan ibu anda, better choose the fund with low volality.......return low a bit (around 6% yearly ) is ok, important must consistant ..... Ya, you are right. just like my wife when i starting invest in UT with my children yearly ang pow........alternatively a few months ask me the return.....  i become pressure in long term.....  she still believe in FD rather than UT,......  QUOTE(GrumpyNooby @ Dec 29 2020, 02:47 PM) Which is why, demi kebahagiaan ibu beliau, just let her put the money into FD as she likes, it's her money to start with. A huge sum is already in FD, exploring other optionsIf she feels want to grow the money, with inheritance money, she could afford to hire a wealth/financial planner to give professionally certified advices. I won't feel comfortable with other people money. |
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Dec 29 2020, 03:03 PM
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#10
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QUOTE(yklooi @ Dec 29 2020, 02:53 PM) i did a simulation of her portfolio 9~11% returns only for funds, exclude those in FD, but still worth reconsider. 50% in FD, 25% in FI and 25% in EQ the 9~11% returns for her whole portfolio is "very challenging" to hit, in my opinion, while her "bail out" call if it drops by 5~8% of her whole port is very unlikely to happens  |
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Jan 20 2021, 01:38 PM
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#11
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QUOTE(lwk523 @ Jan 20 2021, 01:26 PM) Does anyone know which got fund holding Nvidia comp ? Principal Global Technology Fund - 2.65% https://www.fsmone.com.my/admin/buy/factshe...eetMYCPGTUS.pdf |
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Feb 2 2021, 03:26 PM
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#12
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245 posts Joined: May 2009
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0.8% Sales Charge on Principal ASEAN Dynamic Fund, can consider if want ASEAN exposure.
0.8% Sales Charge on Principal ASEAN Dynamic Fund |
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