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 eUT / POEMs / Phillip Mutual Berhad UT discussion, Coz' Fundsupermart not cheapo enuf'!

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Ramjade
post Aug 22 2019, 10:37 AM

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QUOTE(Kudo2012 @ Aug 22 2019, 10:29 AM)
What about FSM SG? does FSM SG accept payment from CIMB SG?
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Not sure. Haven't tried. From their FAQ, seems like Yes.
https://secure.fundsupermart.com/fsm/advice...vices/faq/2409/

This post has been edited by Ramjade: Aug 22 2019, 10:42 AM
Ramjade
post Sep 2 2019, 12:01 PM

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QUOTE(abcn1n @ Sep 1 2019, 11:14 PM)
Ramjade OCBC, Maybank--both Singapore banks or Malaysia banks also can? Also, if we open POEMS SG, do we have to meet them face to face or just do online sign up can?
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OCBC SG. OCBC MALAYSIA cannot use as they need local SG Bank account which have EPS for EPS linkage (EPS is like IBG)

If you have all documents I think can apply via mail. No need to meet face to face. Best to email them and ask.
Ramjade
post Jul 21 2020, 06:23 AM

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QUOTE(majorarmstrong @ Jul 20 2020, 11:34 PM)
this one after i read read i still tak faham
meaning if u put RM1k there for 1 year they gonna give you RM24?
but it say got annual management fee and trustee fee
0.5% + 0.03% = 0.53%
so 2.4% - 0.53% = 1.97%
again how it works i really have no idea
even if i put 1 month or 2 months then withdraw out also u will get the average or u need to keep till at least 3 months or 1 year?

user posted image
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Yes. Provided the interest don't change cause their interest change monthly.
2.4% is net management fees already. So yes you will get the real 2.4%.
Keep for one day also you will get interest which wi be credited next month.
1000 X 0.024 X 1/365 = RM0.06 per day that's provided next month interest remain the same.

This post has been edited by Ramjade: Jul 21 2020, 06:23 AM
Ramjade
post Jul 21 2020, 05:19 PM

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QUOTE(majorarmstrong @ Jul 21 2020, 04:55 PM)
i just login my maybank check got RM1 deducted yesterday but today tak ada duit masuk balik
user posted image
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Money will appear tonight if it's Maybank.
If not Maybank then it's tomorrow.

This post has been edited by Ramjade: Jul 21 2020, 05:19 PM
Ramjade
post Jul 21 2020, 08:50 PM

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QUOTE(majorarmstrong @ Jul 21 2020, 08:44 PM)
thanks for all sifu info
so my next question is both PMMMF vs PMICF same same?
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For now same in terms of returns. Others don't know.

This post has been edited by Ramjade: Jul 21 2020, 08:53 PM
Ramjade
post Jul 22 2020, 11:29 AM

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QUOTE(chichabom @ Jul 22 2020, 11:23 AM)
actually the user interface is not as bad as i have read here. still acceptable to me.if they have an app for this in future then would be even better.
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Interface improve greatly.
Ramjade
post Jul 23 2020, 11:00 AM

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QUOTE(majorarmstrong @ Jul 22 2020, 11:39 PM)
i just dont want to burn my saving that i kept for myself and my wife
if FD got 4.5% i should be ok but now no  4.5% le
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How old are you? If you are retirement age consider epf.
I put my parents money into epf.
Beats FD anytime.
Ramjade
post Jul 23 2020, 04:08 PM

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QUOTE(majorarmstrong @ Jul 23 2020, 02:53 PM)
then when your parents need to use like 120k or 200k how u going to withdraw for them?
I am above 60 years old
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They only use RM1-2K/month and they have pension coming in every month.

Epf can put max rm60k/year.
Ramjade
post Jul 24 2020, 07:45 AM

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QUOTE(majorarmstrong @ Jul 24 2020, 12:37 AM)
cakap saja want to invest but still no balls to press the button
i also din know boleh hilang 50% of investment so crazy?
i am looking for like 8% to 10% saja not worth to fight with this 2 fund lo if boleh hilang 50%
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You want 8-10%,
Buy
Aims amp Pacific reit
Prime us REIT.
Manulife US REIT
Keppel Pacific REIT.
Cromwell REIT.
Brookfield property partners.

The above reits are giving out 8-13% dividends.
Is not a unit trust. Is a REIT which is a stick listed majority on Singapore exchange.

This post has been edited by Ramjade: Jul 24 2020, 07:47 AM
Ramjade
post Jul 24 2020, 10:22 AM

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QUOTE(majorarmstrong @ Jul 24 2020, 08:59 AM)
Sekarang corona boleh beli REIT?
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Of course. Lagi good time to buy when price is down.
They collected 90-99% of their rental even during lockdown in case you don't know.

This post has been edited by Ramjade: Jul 24 2020, 10:23 AM
Ramjade
post Jul 25 2020, 09:56 AM

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QUOTE(majorarmstrong @ Jul 24 2020, 12:17 PM)
But long term do you see reit as a good investments?
Even now I go shopping mall some like empty but Malaysia consider good la. Again some tenant also gave up cause cannot pay rental. Have a friend who have 2 lots in berjaya times quare tell me rental 30k per month saja but now 1 day do about 1.2k of business and have 30 employees. Totally cannot cover.
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So many kind of reits.
Not necessarily shopping malls. Can be warehouse, logistics huh, data center, office, grocery center.

And no. Malaysian reits sucks with exception of midvalley.

This post has been edited by Ramjade: Jul 25 2020, 10:08 AM
Ramjade
post Nov 13 2020, 10:02 AM

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QUOTE(majorarmstrong @ Nov 13 2020, 09:59 AM)
i invest only in ARSTF but now got 0.2%
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Amanah Raya does not have good funds. Go buy affin hwang funds.
Ramjade
post Nov 13 2020, 10:30 AM

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QUOTE(GrumpyNooby @ Nov 13 2020, 10:27 AM)
Which Affin Hwang fund?
He's targeting fixed income segment.
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Select bond last I checked is not bad.
Ramjade
post Nov 17 2020, 04:56 PM

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QUOTE(majorarmstrong @ Nov 17 2020, 03:39 PM)
most of the fund i invest also got sales charges of 0.5%
the stupid promo is design to milk money from us
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You don't want sales charges follow me over to Phillip sg (eUT SG). Confirm zero sales charges. Shop till you drop.
Higher quality unit trust Vs Malaysian ones.
More rubbish Vs Malaysian ones as well.

This post has been edited by Ramjade: Nov 17 2020, 04:56 PM
Ramjade
post Nov 17 2020, 08:58 PM

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QUOTE(majorarmstrong @ Nov 17 2020, 05:44 PM)
how to switch to singapore account?
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1. Open sg bank account. Don't even need to be a priority customer
2. Open account via POEMS
Wait for your welcome package to come from SG banks and POEMS in your mailbox.

QUOTE(AnasM @ Nov 17 2020, 07:14 PM)
can fund SG eut acc using TW?
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Theoretically can but I fund it using SG bank account.
Ramjade
post Dec 2 2020, 04:39 PM

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QUOTE(ky33li @ Dec 2 2020, 02:01 PM)
totally agree. you cant buy the famous fund nikko ark in malaysia.
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Who needs or who wants to buy famous Nikko ark when you can buy straight from the source without paying 1.63%p.a?

I know I wouldn't. Just buy straight from US market.
Ramjade
post Dec 2 2020, 05:35 PM

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QUOTE(kart @ Dec 2 2020, 04:50 PM)
Sigh, PMMMF return decreases from 1.9% to 1.82%, although there is no change in OPR.
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Go use stashaway simple while waiting for versa to launch.
I blamed it on Jerome Powell and his money printing. sad.gif

This post has been edited by Ramjade: Dec 2 2020, 05:36 PM
Ramjade
post Dec 2 2020, 06:19 PM

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QUOTE(tadashi987 @ Dec 2 2020, 05:49 PM)
the versa waited so many months no news at all, macam tenggelam dy je  hmm.gif
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I thought they going to release their app when Nov ends but not launched yet.
They did put up a new video few days ago
Customer service via email mentioned that they are still in beta mode.

QUOTE(GrumpyNooby @ Dec 2 2020, 05:57 PM)
What is the expected/projected return of Versa?
On par with SAMY Simple™?
Better than PMMMF?
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2% Vs 2.4% for simple.
2% Vs 1.82% for PMMMF. Good enough for me.
Good thing about versa instant withdrawal.
Ramjade
post Dec 2 2020, 09:43 PM

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QUOTE(tadashi987 @ Dec 2 2020, 09:19 PM)
underlying is  Affin Hwang Enhanced Deposit Fund, so now u can do ur homework  icon_idea.gif
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If you buy it normally you have to buy RM10k one shot.
Ramjade
post Dec 8 2020, 10:47 AM

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QUOTE(Kaka23 @ Dec 8 2020, 08:53 AM)
Affin Hwang World Series - Global Disruptive Innovation Fund
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Not worth it. Just buy ark etf directly. Is not that hard to buy. You are paying I think 2x the fees if going by unit trust way.

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