Investing into Eastspring Investments Islamic Income Fund
https://www.fundsupermart.com.my/fsmone/fun...mic-Income-Fund
Investment StashAway Malaysia, Multi-Region ETF at your fingertips!
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 Jun 15 2020, 07:34 AM
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#301
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All Stars
12,387 posts Joined: Feb 2020 
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Jun 15 2020, 08:28 AM
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#302
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(tadashi987 @ Jun 15 2020, 08:05 AM) so SA foresee/projected MMF funds annual return rate now is 2.4% due to OPR drop Well, even PM MMF is returning at that rate only  |
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Jun 15 2020, 09:46 AM
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#303
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All Stars
12,387 posts Joined: Feb 2020
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 We're excited to announce StashAway Simple™, our cash management portfolio that earns a projected rate of 2.4% p.a. on your cash. Unlike fixed deposit account that locks up your money or a savings account that has complicated requirements, Simple offers a flat rate for any balance in Malaysian Ringgit, and makes it, well, simple, to grow your cash. Meet StashAway Simple™ 1. No lock-up period 2. No minimum deposit requirement 3. Unlimited, free transfers 4. One flat rate for any balance 5. No cap on how much you can earn 6. No investment requirements 7. Shariah-compliant 8. No asterisks. No hoops. No catch. |
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Jun 15 2020, 10:00 AM
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#304
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(JJ93 @ Jun 15 2020, 09:55 AM) Ayam abit new to this MMF kind of things. So for SA Simple, if I park my money for like 15 days, does it mean I get interest for that 15 days at 2.4*pa ? (pro rated to 15 days of course) It works like unit trust.It has buying and selling NAV. If the NAV is expected to behave a straight line as projected, then your assumption would be correct. It is still depending on the underlying MMF performance which is Eastspring Investments Islamic Income Fund https://www.fundsupermart.com.my/fsmone/fun...mic-Income-Fund This post has been edited by GrumpyNooby: Jun 15 2020, 10:03 AM |
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Jun 15 2020, 10:02 AM
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#305
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(hiyyl @ Jun 15 2020, 10:02 AM) With Simple the cash value will drop? Yes, if OPR continues to drop.Read the risk from the Fund FactSheet & FHS: https://www.fundsupermart.com.my/fsmone/adm...anceMYESIIF.pdf https://www.fundsupermart.com.my/fsmone/fun...mic-Income-Fund This post has been edited by GrumpyNooby: Jun 15 2020, 10:03 AM |
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Jun 15 2020, 10:12 AM
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#306
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(kelvinfixx @ Jun 15 2020, 10:10 AM) If there any charges / conversion rate for Simple? The underlying fund has its own charges.There's no charges for buying into or selling the fund like you buy from FSM:  |
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Jun 15 2020, 10:25 AM
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#307
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(kelvinfixx @ Jun 15 2020, 10:24 AM) Simple projected rate is 2.4%, so it can be more or less? If next month cut OPR by 25 basis point, yes it'll be lower. https://www.fundsupermart.com.my/fsmone/adm...anceMYESIIF.pdf This post has been edited by GrumpyNooby: Jun 15 2020, 10:32 AM |
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Jun 15 2020, 11:01 AM
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#308
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Eurobeater @ Jun 15 2020, 10:58 AM) Probably those annualised returns were when the OPR was higher. This year the OPR fell about 1.5% compared to last year anyway. The underlying fund doesn't belong to SAMY.The long processing time is a slight issue. Esp when this one doesn't involve buying ETFs and hence shouldn't take so long Using FSM turn around time as reference will be reasonable:  |
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Jun 15 2020, 01:46 PM
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#309
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(honsiong @ Jun 15 2020, 01:45 PM) They will speed up withdrawal time eventually, for now it sucks. The fastest I can see is T+2 as they need to deal with Eastspring. |
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Jun 15 2020, 05:23 PM
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#310
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(ironman16 @ Jun 15 2020, 04:39 PM) CMF2 is faster in purchase n sales but rate low a bit. CMF2 is historical pricing. You're transacting at a known price which is previous pricing.Simple = Eastspring Investment Islamic Income = rate is higher, but purchase n sales is slower (EA fund cut off is 10am from FSM website) unless they give SA a special cut off time  My opinion only  Eastspring Investment Islamic Income Fund is forward pricing. NAV is only known by end of the trading day. |
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Jun 15 2020, 07:49 PM
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All Stars
12,387 posts Joined: Feb 2020
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Time to double DCA amount!
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Jun 16 2020, 12:45 PM
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#312
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(HumbleBF @ Jun 16 2020, 12:44 PM) Pardon this beginner. What is the jargon DCA stands for? Dollar-cost averaging |
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Jun 16 2020, 02:39 PM
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#313
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(dinkelberg @ Jun 16 2020, 02:35 PM) how often do we get dividends 🤪 It depends on the underlying ETF in your portfolio.You can search the info of each ETF details from https://www.etf.com/ or https://etfdb.com/ This post has been edited by GrumpyNooby: Jun 16 2020, 02:45 PM |
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Jun 16 2020, 04:35 PM
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Blues03 @ Jun 16 2020, 04:25 PM) can I deposit using jompay and charged to my credit card? Answer:since jompay accept credit card  https://www.jompay.com.my/biller-codes.aspx |
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Jun 17 2020, 08:46 AM
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#315
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(dinkelberg @ Jun 17 2020, 08:43 AM) even with the new ETF? i personally prefer stashaway because how diversified it is rather than Wahed thats concentrated on one etf (hlal) only. If you want diversification, go for MyTheo. |
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Jun 17 2020, 11:21 AM
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#316
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(joshtlk1 @ Jun 17 2020, 11:20 AM) Anyone here knows how dividend's are taxed for Stashaway? In funds like VNQI where the dividend amount is pretty high 9%. Are the dividends subjected to 30% tax upfront? Yes, subject to 30% WHT |
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Jun 22 2020, 01:27 PM
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#317
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Blues03 @ Jun 22 2020, 01:24 PM) sorry newbie here..may I know which one is china tech ETF? KWEBWhat is your risk %? |
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Jun 22 2020, 01:37 PM
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#318
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Blues03 @ Jun 22 2020, 01:31 PM) GBP denomination and 36% risk index..I can't see KWEB in my portfolio...how to do it? KWEB is not available for GBP denominated ETF listed at LSE:https://www.stashaway.my/r/stashaways-etf-selection |
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Jun 22 2020, 01:48 PM
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#319
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Blues03 @ Jun 22 2020, 01:46 PM) Thank you for the info! but from the link, it shows all assets that SA invest..how to know which one available for GBP and USD? Under ticker column, there're two suffixes: US and LN US for NYSE listed ETF using USD LN for LSE listed ETF usding GBP Blues03 liked this post
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Jun 22 2020, 01:51 PM
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#320
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Blues03 @ Jun 22 2020, 01:48 PM) too bad I just topup again this morning KWEB performance from the day of re-optimization till last Friday US time, the simple ROI is close to 22% ...withdraw and switching will definitely will take at least 1 week right?Is KWEB performance is worth it for me to do all of these? And under 36% risk portfolio, the max allocation is up to 20% Worth of not, it's up to you to decide. |
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