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

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SUSic no 851025071234
post Feb 10 2017, 09:37 AM

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I only invest in 2 fund with high return. The affin quantum and cimb dynamic income. No point diluting my return with lower performing fund.

Oh forgot. Also for short term the rhb emerging market.

This post has been edited by ic no 851025071234: Feb 10 2017, 09:37 AM
SUSic no 851025071234
post Feb 10 2017, 11:23 AM

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QUOTE(puchongite @ Feb 10 2017, 10:51 AM)
Anybody knows how could I monitor the Malaysia Small Cap stock index on real time basis ?
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If need monitor so close for investing unit trust better straight invest the stocks. Get better return for your effort no need pay the management fees and what fees

This post has been edited by ic no 851025071234: Feb 10 2017, 11:24 AM
SUSic no 851025071234
post Feb 10 2017, 05:29 PM

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QUOTE(puchongite @ Feb 10 2017, 05:11 PM)
Yeah this clearly shows the risk of lump sum entry into a fund.

Even DCA, is there a recommendation on DCA method, something like 10% DCA per week or per month ? Is there a rule of thumb ?
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His mistake is to exit so soon. He make lost. If wait a while more and exit when break even better.
SUSic no 851025071234
post Feb 10 2017, 05:29 PM

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QUOTE(Avangelice @ Feb 10 2017, 05:15 PM)
you overzealous? buy and sell within the same year. and looks like you missed the upside after that. ever had any regret over the lost?

don't worry I made the same mistake with GTF back in 2015. traded it like it was a stock. noob mistake on my part.
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Unit trust play like stock already lose in sc
SUSic no 851025071234
post Feb 10 2017, 06:40 PM

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QUOTE(Avangelice @ Feb 10 2017, 05:33 PM)
try to limit double posting.

any how. the xuzen we know now is different back then and we all make mistakes. take it as a valuable tuition fee. no harm done.
exactly my concern. I have an huge amount of money sitting in the CMF and I go do monthly DCA. wouldn't it be wasting your money 's potential by just letting it stay in cmf.
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Not double post la. I read his post first then reply then saw your post ma. U think i so free purposely click reply 2 times haha.

My dca method is just invest all every month. I have budget for different purpose so investment money is just masuk invest fund.
SUSic no 851025071234
post Feb 10 2017, 10:59 PM

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QUOTE(xuzen @ Feb 10 2017, 10:41 PM)
Many of us start off with agents, such as Public Mutual. That is why we are less "kan-cheong". All the anxiousness we push to the agents. After a few years, when you are more familiar with participation in unit trust fund, then you may detach from agent and DIY.
The way he sound, I bet scots and gin will not help. He needs triple shot of Moatai plus absinthe plus vodka plus a tab of Valium for good measure.

Xuzen
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I started off with public mutual agent but the agent don't do shit except print the name on my statement.
SUSic no 851025071234
post Feb 11 2017, 02:04 PM

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QUOTE(john123x @ Feb 11 2017, 12:12 PM)
Maybe i mistaken you with other person that sailang into affin hwang Asia ex japan quantum.
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U mean me? Haha. I don't see it as high risk cos I'm investing for long term.

QUOTE(vincabby @ Feb 11 2017, 01:19 PM)
contestchris definitely rubs people in the wrong way. its not entirely his fault as words when not spoken but typed might sound different to different people. however, AIYH made a good point, do consider people's feelings or tone it down if possible. If not, you make yourself stand out for all the wrong reasons.
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A lot arrogant ppl here.
SUSic no 851025071234
post Feb 11 2017, 09:05 PM

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QUOTE(wodenus @ Feb 11 2017, 05:53 PM)
How old is he? in the very long term, a mutual fund will still outperform him.
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Ponzi 1 has almost similar return to his dividend stocks. But if factor the sc he get better return.

QUOTE(wodenus @ Feb 11 2017, 05:57 PM)
He's probably got the best performing portfolio though.
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How good? How to rate my portfolio? Based on FSM my investment table?
SUSic no 851025071234
post Feb 12 2017, 01:32 PM

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QUOTE(contestchris @ Feb 12 2017, 11:34 AM)
Dividend paying stocks are usually your large cap bluechips which are stable and tend to sustain themselves over a long period of time.

Growth stocks are fiery in the short term, and not long after the fire dies. So you can't invest in a growth stock in the long term - you need to know when to get out. Growth stocks are short to medium term investments.

Look at the KGF and Eastspring SC Fund...they're both mainly growth orientated, and are actively managed, such that they outperform the Malaysian market greatly over a large period of time.
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Agree with u on this. If dividend stocks can be growth stocks then there is no point investing in growth stocks. It's risk vs stability right.
SUSic no 851025071234
post Feb 16 2017, 10:32 AM

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QUOTE(Ramjade @ Feb 15 2017, 06:22 PM)
I think I can answer your question. People can just switch from equity > bond > cmf thus earning credits point. Remembr the ninja credit trick? Now is a good time to do it. That way your profit/whole fund is safe if correction happen assuming the person withdraw all out.

Wait for it to hit almost bottom, then use the credits earned to buy units at low price (principal + profit pumped back in) without incurring service charge (use the credit points) rclxms.gif You are also effectively getting more units/price. That way, you will have more profit than let the fund sit there in the red when it return to normal.

Hope you can understand what I am saying. It's like stocks. No different as UT is basically a basket of stocks.

Of course one can sit there and don't do anything.
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But if u time the mrket wrong and no correction happens u will lose your investment by buying into higher price of the fund right?
SUSic no 851025071234
post Feb 16 2017, 01:55 PM

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QUOTE(ivzh @ Feb 16 2017, 01:28 PM)
hi all sifu, newbie here in fsm, both my US focus fund had hit the target within 4month, Titan roi 12%.. and TA global 10%

My brain tell me to lock the profit.. but i hesistating.. due to greed

either switch all to cmf or the respective inhouse bond fund, and time for re-entry again. any suggestion?
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If u have nothing better to do with the money y settle for 12%? Let it go to 20%. If have other need then just take out the money lo
SUSic no 851025071234
post Feb 16 2017, 01:55 PM

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QUOTE(ivzh @ Feb 16 2017, 01:28 PM)
hi all sifu, newbie here in fsm, both my US focus fund had hit the target within 4month, Titan roi 12%.. and TA global 10%

My brain tell me to lock the profit.. but i hesistating.. due to greed

either switch all to cmf or the respective inhouse bond fund, and time for re-entry again. any suggestion?
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If u have nothing better to do with the money y settle for 12%? Let it go to 20%. If have other need then just take out the money lo
SUSic no 851025071234
post Feb 17 2017, 09:34 PM

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Hi guys. CAn a main account become beneficiary Acxount? Example if my father invest and want put my mum as beneficiary but my mum also has an account. So should my father create a beneficiary account for mum or can link my mum main account?
SUSic no 851025071234
post Feb 18 2017, 01:50 PM

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How long it takes for u to get your money after sold the fund? I sold on Monday but now still process and not get money yet.

I check the faq it says T+4 but I receive email say settlement date 21 Feb. Thats very slow.

I sell 1 is RHB emrging market bond
SUSic no 851025071234
post Feb 18 2017, 01:52 PM

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QUOTE(2387581 @ Feb 18 2017, 12:56 PM)
at least? why must you only go to those atas places? Most shops noddles still priced around 6-7.
of course depending on places. for example the cow shit tarts costs RM1 each from its original place, in KL it is RM3, in SG it is $3/RM10
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Its about reaping what you sow and rewarding yourself. The experience and enjoyment not about eating the tart or whatever.

I mean if u save your whole life living like a beggar what the point of having so much money? In the end theres no value to money if you dont use it. Takkan save until old cannot walk then use to buy medicine?

Have to balance your life between savings and entertainment
SUSic no 851025071234
post Feb 18 2017, 06:46 PM

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QUOTE(2387581 @ Feb 18 2017, 06:08 PM)
oh you didn't get the point. It was a comment to another guy's post stating any serve of noodles in KL is 'at least' RM10. The nuance is biased towards complaining when you are having a serve of noodles.

If you are truly reaping the rewards and enjoying why would you be complaining? If he hates the platform fee, by all means put the money into another funds which does not charge him fees equivalent to a bowl of RM10 noodles. But this is derailing so I just stop there.

What makes you sell the RHB EMBF?
Care to elaborate? Do you imply that the fund manager is departing from the fund's strategy/mandate or he is doing something sketchy?
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Oh sorry didn't get the previous conversation.

I'm putting as short term saving only then use for investing in stocks. But the process so slow I haven't get my money yet. Now I check it seems my unit has disappeared from my account butt bank balance is not increase. Have u sold before and what experience?
SUSic no 851025071234
post Feb 18 2017, 08:02 PM

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QUOTE(wodenus @ Feb 18 2017, 07:01 PM)
If you aren't familiar with the process, there's a scary period of a day or two when that happens. Usually after that the funds should be in. This is a normal thing but the scary period should not be more than a week or so. After that if it's still missing you might have to check with FSM and your bank.
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Thnx for the info. U r one of my respected forumer. I hope will go in on Monday. U know the stock price keep going up! I rugi so much already take as lesson. Next time need better planning
SUSic no 851025071234
post Feb 18 2017, 08:03 PM

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QUOTE(chyz66 @ Feb 18 2017, 08:02 PM)
Just wondering, how much was everyone's portfolio ROI for 2016?
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How to calculate? We need standardise because different method may benefit different account hehe. U know accounting magic
SUSic no 851025071234
post Feb 18 2017, 09:25 PM

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QUOTE(2387581 @ Feb 18 2017, 08:53 PM)
Based on my <1 year old account, it is currently the best performer with an ROI of 7.32%
I put in RM550 into the CMF and soon it appears in the account holding I sold RM500 and leave RM50 in the account which will sustain the platform fee for quite a while. From selling-day I think it took 4 or 5 working days for the money to be in my account. So much for 'highly liquid' CMF.  shakehead.gif I never sold any fund holdings other than CMF. But hey, since the money actually came back to me as I sold, I'm a little bit more confident that FSM is not a fraud (yet). hmm.gif
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Thanks for the share. Since it took 4-5 working days I think will show this Monday. Cmf also took so long. I never plan to put cmf anyway. My rhb emerging bond still have the min unit. I still plan invest in it just will have better planning on withdrawal next time.
SUSic no 851025071234
post Feb 20 2017, 07:14 PM

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QUOTE(Ramjade @ Feb 20 2017, 06:36 PM)
Precisely. Thinking of keeping max RM10k in malaysia. Not sure where want to put. For me, I feel market is kind of expensive to enter. One part want to choose United Asian HY bond/Affin Hwang Select Bond but this will incur platform fees and I don't like to give FSM free money. So most likely an equity fund. Decision decisions....
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Equity u r giving 2% money

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