Hahahaha... WRAP account is only for special people. WRAP account let you switch any fund you want without kena additional charges. Usually reserved for financial planners. Only xuzen is using that account. It's out of reached for normal people like us.

Keep in mind whether you buy from agents or FSM, you kena charge ~1.5% management fees. This management fees is already calculated in the NAV of the fund. Whether the fund perform or not, management fees need to be paid.

Your agent trying to mislead you to make his 5.5% sales charge appear cheaper.
Mine telling us from what company the agent is?

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You can use this CNBC world heat map to get a feel of how your broadly diversified equity portfolio is moving now.

er.. just to clarify ya:
U guys doing the transaction @ home / your hotspot OR from office network?

Just sharing:
Some offices have multi-line/ISP connection to the Internet with auto-load balancing (like mine) & FSM's system doesn't handle load-balancing from my multi-lines well, thus, i usually connect to my phone's hotspot to execute if in the office.

U may complain to FSM about this. I also face similar issue. When transfer with FPX then choosing M2U, sometimes will fail due to not able to redirect to M2U website. Then FSM system will block FPX option for that order. I have to void it n redo everything again. I kena 2-3 times recently

er.. just to clarify ya:
U guys doing the transaction @ home / your hotspot OR from office network?

Just sharing:
Some offices have multi-line/ISP connection to the Internet with auto-load balancing (like mine) & FSM's system doesn't handle load-balancing from my multi-lines well, thus, i usually connect to my phone's hotspot to execute if in the office.

home unifi

Well... I'm not in panic anyway. Just a bit frustrated with volatility and overall bearish trend for such a long period of time :-/
Will reduce DCA  for now + remaining part of usual amounts will go to CMF, waiting for better times

a few forummers had been mentioning that they are doing that too....some are going into ASN FP funds....
the FD threads are having 4.3X% too...

yes,...do what ever that suits each individuals at the moment in time....important is be happy and continue to save, invest and diverse...

DCA may not suits some people.....

maybe because every time they topped up, the NAV goes lower again, and after a few times of DCA...the heart goes weak....
they foresee that the fund would not improve much for the time being and think that other alternative are better for the time being....

DCA is simple. You topup when every month without regardless if market condition.

The modified version which one can use is
Topup lesser when market is up.  Why do you want to topup more when market is expensive? Then use the  amount you save to topup more when market is down.

Market down is good time to topup more rather than when market going up.

For me,  I don't topup when market is going up and up. Again why should I topup?  So that FOMO?  No thank you. Opportunity is comes. When market start going down,  that's when I start to look and see if topup is worth it. If just fall 1-2%, just let it go.  Again I said I look. Not topup. I set myself a range when I will start topping g up.

tbh, you guys made DCA sounded like a cult

Awaiting to pump my PRS. For regular UT I can pump anytime I want as I always have access to zero percent service charge. So no hurry. For regular UT I would like it to fall a bit more for it to hit that sweet spot.
Planning to. Not yet hit the target price for my fund yet.

yea....   I remember i have left Rm3.xx before and it was allowed. Now seems like min is RM100 

you mentioned...."According to the prospectus...."
FSM came out with the prospectus?

Try ASN Fixed priced funds?

Your only option:
1) amanah saham fixed priced fund. Almost risk free.
All amanah saham fixed price fund have quota. You can only buy when someone sell.
Apa cap? Cap is based on how fat is your bank account. Some people have 6-7 figures inside
Anyway this is all OT, best to cont discussion at https://forum.lowyat.net/topic/4183284

just asking....how many % of M'sia Equities have you allocated in your UT portfolio?