For all you know FSM is the one charging us 

You switched and Manulife didn't charge Rm25? cool

if i'm not wrong , manulife is giving up to 6 free switching for manulife funds but i still haven't reach the quantity yet so couldn't vouch for it

maybe somebody can ask the Customer service
https://www.manulifeinvestment.com.my/Produ...nline-Switching

Yup. if my memory self me right is either 6 free switching / manu to manu no switching fee incur anymore, need to refer CIS. As last time I did from Manu China to Manu India system incur RM25, then I refer CIS they manually adjust to RM 0 due to system error.

if i'm not wrong , manulife is giving up to 6 free switching for manulife funds but i still haven't reach the quantity yet so couldn't vouch for it

maybe somebody can ask the Customer service
https://www.manulifeinvestment.com.my/Produ...nline-Switching

This thread has the really damaging potential of misguiding a lot of new investors by focusing on the costs.

The best time to invest is when the valuations of the funds are considered cheap, so you can achieve the best returns.

The best time is not when the sales charges are cheap. Learn more about Unit Trusts if you don't understand that means.

Please do not just look at the sales charges and be "led up the garden path".

As always, buyers beware. Know what you are doing before you hand out your money, because you may get back a lot less.

When it comes to flipping property:

Lawyer fee is around 3% of the purchase price. Stamp duty is 3% Total = 6% sales charge.

When you sell, is another round of transaction cost, lawyer fee 3% = 3% exit fee or redemption fee.

Sell within short term kena RPGT somemore....

Despite so high transaction cost, nobody complain about flipping property wan ar? Strange hor? everyone happy happy pay for it.

UT I think is the only one that people want zero sales charge plus zero maintenance fee (zero platform / wrap fee) and still able to get it!

Strange but true.



Xuzen

When it comes to flipping property:

Lawyer fee is around 3% of the purchase price. Stamp duty is 3% Total = 6% sales charge.

When you sell, is another round of transaction cost, lawyer fee 3% = 3% exit fee or redemption fee.

Despite so high cost, nobody complain about flipping property wan ar? Strange hor? everyone happy happy pay for it.

UT I think is the only one that people want zero sales charge plus zero maintenance fee (zero platform / wrap fee) and still able to get it!

Strange but true.



Xuzen

When it comes to flipping property:

Lawyer fee is around 3% of the purchase price. Stamp duty is 3% Total = 6% sales charge.

When you sell, is another round of transaction cost, lawyer fee 3% = 3% exit fee or redemption fee.

Despite so high cost, nobody complain about flipping property wan ar? Strange hor? everyone happy happy pay for it.

UT I think is the only one that people want zero sales charge plus zero maintenance fee (zero platform / wrap fee) and still able to get it!

Strange but true.



Xuzen

if there are channels that are charging less for property flipping, then there will be complaints...
if there is only 1 online UT channel, then there is no comparison complaints

if there are channels that are charging less for property flipping, then there will be complaints...
if there is only 1 online UT channel, then there is no comparison complaints

What do you mean? I don't understand you lah!

Xuzen

which bond fund to consider ?

Affin Hwang Select Bond ?
Asnita ?
RHB Islamic Bond Fund ?

Chart tool suggest Affin Hwang Select Bond. any comment ?

Since people in FSM thread doesn't like me mentioning eUT, let me say it here.

If you are going to buy affin hwang and have > RM5k and can do lump sum (endorse by dasecret for lump sum not eUT aa she's not a fan of eUT) use eUT. Save on platform fees.

But i m not a big fan of bond funds. Just temporarily park in one bond fund.

This information is taken from morning star :-

http://my.morningstar.com/ap/FundSelect/re...ce&Type=YTDBest

	Fund Name	YTD Return(%)
1	Areca EquityTRUST	21.01
2	InterPac Dynamic Equity	20.49
3	InterPac Dana Safi	20.05
4	Phillip Master Equity Growth	19.40
5	KAF TACTICAL FUND	19.12
6	Affin Hwang Select Asia (ex Jpn) Quantum	18.74
7	RHB Small Cap Opportunity Unit Trust	17.69
8	CIMB-Principal Wholesale Equity	16.85
9	PMB Shariah Growth	16.63
10	Manulife Investment - India	15.97

Note that Phillip Master Equity Growth fund is position 4. It's available on eUT.

Phillip Master Equity Growth Fund clinched the Best Fund Award over 10 Years in the Equity MYR category at The Edge Thomson Reuters Lipper Fund Awards Malaysia 2017 on 27 Feb 2016.

Item 1 Areca Equity YTD return of 21.01, does not seem to be available on eUT.