I personally agree with how T231H explains this. I am not even sure if the term "compound interest" should be used in anything other than deposits (and in some cases, loan).
If the term "compound interest" is acceptable in Unit Trust, then perhaps the buffer analogy is a good way to let newcomers understand difference between deposits and UT (where profit is based on capital gain).

https://www.forbes.com/sites/robertberger/2...s/#757d1ea35290

Interest rate vs bond

I am not sifu here, but is this behaviour intended? Promotion not applicable for intra-switch?
Pretty sure it works if we switch under "New Account 1% SC promotion". Perhaps you want to considering emailing FSM, just to clarify?

Just curious, did you factor in the dividend too?

In a bullish economy, REIT tends not to do as good as Equities. REIT generally yields better when the overall correction/recession comes (eg: when Equities are not doing so well).
I am not analyst/whatsoever, but afaik some might consider now as the period where REIT is "affordable", and they will continue investing DCA into REIT, and wait for its time to come. If you disagree with their method, or plan for a more active switching in UT, you can always opt to focus solely in Equities/Bond instead.

Just to add on,

Volatility is measured by standard deviation though, which, in David Ng (Affin Hwang)'s words, simply mean there are two-third chance that this year's performance might be +10.54% or -10.54% compared to previous average. In 32% of the time (the remaining one-third chance), the performance of Ponzi 2.0 can very be deviating far from "worst" and "best" case scenarios listed above.

In their terms, the fund is considered normal as long as their past (cumulative) performance does not deviate much from index.

Just to point out that what was discussed LYN is very much different from whatever terms the agents/managers say (esp: when they say their funds are performing "normally")

http://www.barrons.com/quote/stock/my/xkls/iwcity

Old data, but you can see Affin Hwang Quantum as a major holder of the stock.

Since we are on this topic again...
Was it you who mentioned that there are some IRR calculators in the market? Were you able to find out which is suitable for you?

IIRC, you prefer to use a dedicated software for such IRR calculations, rather than Excel worksheet.
I have similar thoughts too. Nothing against the great Excel file did by our fellow LYN members, but despite all the instructions here, I still fail to utilize it appropriately. If anyone found any alternatives (for Excel-newbies like me), kindly enlighten me.

Thanks.

For those who are interested, today is the last day to vote for your favourite fund house (2017).

https://www.fundsupermart.com.my/main/home/...avFundHouse.tpl

Let's just trust the Fund Manager to factor in all these factors when they invest. We don't need to scratch our head (too much) on it.

By the way, regardless of how poor a fund perform (even when it is below the benchmark), the fund manager would always say "seeing this is a long term investment, we believe our fund is performing well".

Has anyone seen a fund manager opening say "oh, we are not performing well"? Haha. Regardless of the negative returns etc, the sales agents are going to quote the same Annual Report and say they are "performing well".. Of course some public will feel cheated.

Not a sifu here, just sharing my opinion
1) Go for Asnita, pretty solid these days
2) What is your target exposure to ManuREIT? If you already plan to have certain exposure for REIT, go and DCA for it, no need to wait.
3) Selina REIT is just an old nickname for AmAsia Pacific REITs - Class B. Search for AmAsia Pacific REIT in FSM instead.

Yup, MMF (or CMF, Cash Management Fund) is a place to just put your fund while waiting for the right time to go in, or just leave it there and let the system auto-invest for you on monthly basis.

For FSM, they usually refer to this: https://www.fundsupermart.com.my/fsmone/fun...management-fund

I wouldn't say MMF/CMF has greater flexibility than FD though. You can easily uplift your e-FD anytime via bank's websites.

What form are you referring to? The agreement form to be signed?

Let's see if the Budget 2020 can further boost the stock market / economy here

Hmm I have no experience with RHB Investment, but during the first few months on venturing into FSM, I searched for "Worst Performing Fund" in last 5 years... almost all are from RHB..

Sorry, did you mean your managed portolio got up 11.33%? Can you share when did you buy in? Aggressive profile?

Hmm cant view at CIMB Click (from my account).
But just out of curiosity, why are you trying to view from CIMB instead of FSM?

Some people tend to draw out the income distribution and use it, some view it as "passive income".
But if you are just treating Unit Trusts as a long term investment, these "additional units" do not affect you in anyway.

Correct me if I am wrong, but AFAIK many institutions allow agents to take 100% of their charge. Which means if they are willing to earn lesser, they can actually do so and charge 0.5%.

Edit: oh didn't see xcxa23's post

This post has been edited by inquiries: Mar 3 2021, 06:49 PM

Ah thanks for the sharing of your knowledge and crystal ball here. Your posts were one of the main reasons I joined FSM haha.