uncle checking in
just open my account i stupid dont know where to apply for referral fee
so nvm la no referral for me

hi all - can tolong uncle here
i am trying to understand a little how to invest with FSM
see for example this nomura i-income if i want to buy i need to buy 10k?

i saw advertise 0.5% sales charges but some fund i see see look look uncle shock to see 1.75% sales charges
i am a little confuse
then some people say some fund also offer zero
i only see bond is zero % saja

FI = Fix Income fund?

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another quesstion .. what is the bond listed below? Can i buy and expect the yeild like in ask yield?
very confuse la

terima kasih everyone so finally i know the different with retail bond vs bond fund
so i think i should just focus on bond not retail bond
as i am very old half leg inside the coffin, i just want to preserve my saving
last friday public bank call me say my FD mature ask me want to renew or not and their rate is like super gila till cannot accept. they offer me 2.5% say uncle very good jor, we cannot offer you like last time 4.8% yours already mature we renew can renew only 2.5%, other bank will give you less than 2%.

anyway again another question, you see i try to buy this RM100 Amanah Raya Shariah Fund and it say platform fee is 0.05%.
If i buy over with ASB i thought no platform fee? I try to understand this FSM as i not sure why ppl use it

ok now i get it ASNB dont sell AmanahRaya Syariah Trust Fund
ARIM sell it
so if buy from ARIM then you no need pay like 0.05% of platform fee
again 0.05% is very little which is like 0.2% per year
opening ARIM also susah

i spend like 2 hours trying to understand what type of FI product i can buy and until now i still a little clueless
so many products
i am retired over 60 years old and just wanted to look for something that could give me 4% and above
i have shortlisted a few fund please give me some advice:

1. AmanahRaya Syariah Trust Fund
2. AmanahRaya Unit Trust Fund
3. Nomura i-Income Fund
4. RHB Bond Fund
5. Principal Lifetime Enhanced Bond Fund
6. AmBond
7. KAF Bond Fund

recently i havealso bought into PMO e-income fund and e-income islamic fund (new fund) and i want to diversify my portfolio

also is there a way to nominate my wife as the beneficiary with FSM just in case something happen to me?

So don't need buy with Arim and buy with FSM which will be cheaper?

Problem is me and my wife also very old so I need to nominate my son and daughter

then i buy from FSM pay only 0.2% per year at least can tahan 5 years ma

so what i put in this section - campaign code?

uncle want to buy KAF
but i dont know when to buy
hahaha
and ppl tell me DSA DSA DSA

i sudah beli initial RM1k with OPUS just 10 mins ago
i guess it is use to do KYC
dont know how long baru boleh finish

Can give uncle opus link

PM uncle pls

yes i do consider it and i am putting 10k into my 1st 3 choices

btw my account in Opustouch ready

apa itu wholesale bond fund?
example of fund name pls
uncle still newbie

Now only I read this

Why buy reits?
Got so many other things to buy why want to take risk on reits?
If buy reits why not buy direct from stock markets?

what is cimb china?

hentam mana satu?
banyak china fund out there