cimb greater china

or

eastspring dinasti

today malaysia small cap and malaysia KLCI huge drop... good chance to topup little by little...

topup slowly

DCA it by splitting in small amount and enter it slowly whenever the index is dropping, you will see compounding effect in long term.

"splitting in small amount and enter it slowly "

take a look on 10 years annualized return for KGF for example.

yes, KGF is down on year 2018, and ASNB FP is 6% dividend, of course you will feel FP is better. but in long term, you try compare the 10 years annualized return with ASNB FP 6% 10 years annualized.

the bank account you fill in already during fundsupermart account opening that time one. the money will goes to that account.

today is Russell decision to exclude malaysia government bond or not in its index... thats why investor are withdrawing before the announcement. if they decide to stay include malaysia as it is, then malaysia bond will bounce back.

Automated: take managed portfolio (fully diversified)-> use the assessment questions to select correct portfolio.

Manual DIY: choose your own fund.


Both have 0% sale charge promo.... Promo end tomorrow 22 Jan 2020....

FSM managed portfolio gave me very good results also... i started on Jan 2020 with RM20k before Covid dip..., and performing DCA constantly... somehow managed portfolio can achieve 20% return up to now...

my diy portfolio only achieve about 6%... FSM choose fund skill better than me plus the portfolio more stable compare to my diy one... no regret paying 0.5% management fee per year for managed portfolio...

ya conventional aggressive portfolio (not the islamic one). Of cos i have also constantly DCA during the covid period until now...

i notice FSM always switch the fund at really right timing... eg: switch into the tech fund (i forgot which month), after switch the tech stock begin to jump... they perform switching and rebalancing themself, save my hassle to time the market and choose fund... most importantly i don't have to worry when certain market are down certain day, as their portfolio is really diversified....

one off initial investment, it is lesser than initial sales charge for diy fund....then 0.5% per year for management fee for manage portfolio...

my advice is start small with continuous DCA regular saving plan... no one know the bull market now can last how long... and no one can time the market precisely....

i start direct with big amount 20K on Jan 2020, when Covid march 2020 huge dip, my heart really broken.... luckily i make a decision to continue DCA... now giving 20% return... bravo for FSM selection skill also...

lump sum + DCA also. I start with 20K investment in Jan 2020... as of now , total investment is 33K, Current portfolio market value is 40K...

no doubt this fund performance is really super... however, it is in all time high at the moment ... risk is too high for big lump sum ...

many funds can achieve more than 11.4% if you invested in July... furthermore, Public fund need pay 5.5% sale charge >< //// in comparison to 1.5% in FSM....

can try managed portfolio also... it is very diversified and from my experience they rebalance and switching at quite good timing...

i started with agressive portfolio on Jan 2020 before covid with 20k. then topup DCA total around 15k during covid... as of Jan 2021, i have +29% return, which i feel they did quite good job, considering it's very diversified portfolio...

managed portfolio is for long term one... i'm invested aggressive portfolio since Jan 2020 before covid outbreak... holding unrealized lost through covid crash and DCA every month... now is at 27% profit...

i observed their transaction activity for past 1 year... they always perform switching at the right timing in my opinion...

i used managed portfolio (conventional aggressive) with FSM since Jan 2020, enduring the huge dip period in March 2020 and DCA regularly... as i observed they switch fund most of the time at the right timing (eg: they switch to US tech fund on April 2020) ...

until now my portfolio is +30%, which is better than my own diy investment portfolio %...

Unless you confidant you can perform better than FSM specialist team... else 0.2% per annum management fee is worth and hassle free. Don't forget in managed portfolio, they inter-switching for you, the fee is free. And if you managed your own diy fund, it is 1.5% for inter switching (Intra is free, but Inter is not free).

This post has been edited by memorylane: Aug 23 2021, 02:50 PM

Managed portfolio is only part of my long term investment. As FSM will auto switch from expensive market to cheaper market and perform rebalancing, I will only sell when I need money. I’m continue to DCA every month.

If you diy fund investment for certain market or buy stock ur own then u need to time the take profit timing. However in managed portfolio it is globally diversified and long term wise it is safe to stay invested.

sorry my mistake , it is 0.5% per annum for the management fee... not 0.2%...

sales charge is not mentioned here, because if you diy purchase fund, sales charge is 1.5%, even more expensive.

the extra charges is only the management fee compare to diy fund.