nowadays buying private variable UT is like buying bursa stock...too many unit trust to choose from...thats why i still prefer Bursa compared to private UT...same effort required to choose the best UT/Stock..

so make it simple and straightforward:

- UT is mainly moderate/high risk, definately for long term minimum 5 yrs to able to see significant return...plus u need committed/experienced UT agent who good in adjusting portfolio whenever required..otherwise your UT might sink unnoticed...

- ASNB FP is low-risk and for people who expecting stable return. no need to depend to UT agent and no need checking price fluctiation...
conclusion...which is better is purely depending on your risk appetite...

One got risk, one no risk. So unless I got crystal ball, nobody can answer you which better.
If uncle really want variable price unit trust, do look at fsm thread.

Avoid public mutual at all cost. Best to go via FSM MY way.
Dividend in variable price fund is useless as is masuk left pocket, keluar right pocket.
More info can be found here FSM thread (first page). Returns depend on whether the fund is good or not. Got nothing to do with brand name.
Some bad fund  give less than FD returns, some good funds give return 2x of ASNB.
Your choice, you call.
Not true. You don't need an adviser. You need reading.

true..no need adviser actually...but most people who invest in UT don't have any idea how UT work...most UT agent just sell and run-away with their commission...very less UT agent are committed and advising their Client time-to-time genuinely...

many who invest UT from EPF, found after 3-5 yrs, UT return much lower than EPF...wasted 3% SC and wasted EPF compounding interest...worst is when the return is negative...

thats why, if u don't know about UT or have no time to read about UT...then a reliable UT agent is mandatory..

otherwise better stick to FD or ASNB FP...

they will show historical performance of the best performed UT only.. the worst one they keep under the carpet 

For me, unit trust is a simple way to diversify investment on other countries, hedge against currency risk e.g. you invest in US fund, USD appreciate, you earn more ringgit.

For equity fund,
FSM is cheaper, and with wider range of funds, sales charge from 0.5 % till 1.75%.

Public bank only public mutual funds, 5.5% sales charge.

CIMB also got, good range of funds, with 2.5% sales charge (online top up) afaik.

Maybank 3.5% sales charge (online top up) if not mistaken, but limited choice of funds.

Others bank not sure. But buy via agents, normally 5.5% sales charge.

Never ever buy from banks/agents. By buying from them you are giving them free 2-4% commision. But from
FSM MY
eunittrust

Both offer near zero % service charge.

I thougt unker takut mati? How come decide to try luck with UT?

Uncle small small also 6 digits liao    All in is 8 digits 

Beware what u post online....
Especially unkers 6digits top up 😎😎

A special unit is established by the Inland Revenue Board (IRB) to examine and investigate any individual or business owner who shows any extraordinary wealth in social media.
https://www.bharian.com.my/berita/nasional/...kongsi-di-media

As long u can prove your source is from legal side & have paper  trail.. Should be non issues 👍

Just give the above 500k balance unit holders name/IC to LHDN to check huh 😈😈

And tax them 😴😴

Weekend quote

   

low profile because LHDN got spy watching 
be careful what u post..
huuhuh

Transfer your unit to my account before you go

Then we will meet uncle in the jail later 
Today busy with 11.11 online shopping ma , makan roti now until month end 

Agree..now ASNB is 75% of my total portfolio..only 25% in bursa...problem is stock is addictive investment, u wont able to exit full...must keep some..baru feel good

What's the allocation of uncle? 99% asnb?