hence its important to find low expense ratio yet high annualised return for UT

not all UT have 1.5 expense ratio
i saw lowest <0.2% to >2%

Yes... Definitely... IF Only you are comparing it with the fund of similar AUM or fund size
......

https://www.imoney.my/articles/investment-g...sts-and-charges

1. Expense ratio

The costs of owning a fund is called the expense ratio, which is expressed as a percentage of the fund’s assets. This ratio covers the operating expenses of the investment. This is a more realistic indication of the true annual cost

Hmm... How about above statement?

Example: A unit trust fund with an expense ratio of 1.9%, means that for every RM1,000 invested, approximately RM19 per year will go towards the operating expenses. If the same investment yields a return of 6%, you will receive RM60 as returns. With a gross returns of RM60 minus the expense ratio of RM19, you are only left with RM41 as net returns.

by the example
still the lower the expense ratio, the better right?
based on example given
if 1k invested in 0.1 expense ratio UT
net return is RM50

i understand that expense ratio is associated with the fund size.

but what i wanted to express is expense ratio will affect our net return.
what i understand as per previous post by example given by imoney site
higher expense ratio will cost us more resulting lesser net profit

so that example false or true?

ultimately, we or maybe just ME want to maximise my net return

i dont understand why so hung-up with the fund size associated with the expense ratio
higher expense ratio = higher fee that investor had to pay
or perhaps this statement is wrong?

some financial instrument have ridiculous expense ratio/annual fee despite low return and this happen to both big and small size fund

i do not know about you guys but for me, i am not willing to invest in such financial instrument, high fee, low performance

thanks for replying...
but during the current global markets crashing....even those NON US and EU markets are not spared too right?
thus even Wahed should not be spared to a 27% variance right?
slight different I believe is "YES" it is possible, but if it is to be at a 27% variance.....then could it be this?

is there any variance in the risk level selection or FI:EQ ratio selection variance of your portfolio between SA and Wahed?

added image....
see the composition of US/EU market in SAMY and WAHED portfolios...depends on what you select.

The real question is in the event of the company going bankrupt, how do we chase after our money and how much will it cost? I don't think anyone really cares who it's held by.

......
lol don't think the theory applies when he is the country manager.

well if his true intention was to super hard sell SA he would have dumped all his funds into 36% and convinced viewers that there is absolutely nothing to worry about and everybody should follow his portfolio.

yalo. which is why i said those who take 36% have big balls.

The 1% cash buffer is more than enough to pay since they're charging by monthly, which is just 0.8/12=0.066%.

How Luno get around it then?

.........
Wait another small drop then can buy last night almost 9% drop really crazy just on KWEB those on 36% must be pissed off at least small 3% wipeout

PDD already time to buy in 

Yes the returns got shaved off by 3% the only good thing it is because of gold is hedging at 20% it is minimising the drop itself

If you have 30% portfolio you can see the difference because lesser weight age KWEB hence only 1.5% drop on it which it is most stable at the moment

Wait for awhile when RM exchange open it might return only another 0.3% gains thanks to rise in oil prices

.............
Not really because when market opens it can go either higher or lower when the market it is volatile

Doesn’t means it closed at 75 today open can go high or low depending on what happens to HKSE for KWEB

Btw, KWEB it is technically started correction mode now as it is trading the same level before the uptrend since Dec29 levels

Tonight will be another small bloodbath coming soon another 0.8 to 1.28% dropped on 36%

Technical charts are one thing, fees is another thing

The lag time in SA is nothing because Forex rates are on the same day conversion hence minimal impact when investing on SA

Even buying direct ETF there is a lag time because bid price may not appear even when you put in the order directly which you will not have control on SA because the buy price is pre calculated 6 hours earlier before they put the buy order on the same day

The impact is so minimal it less than RM1 or $0.25 per unit unless you are talking about buying a million units which is why you can see on Rm3million it is only costs RM500 per month which is only 0.2%

If you factor in rebalancing charges it is on a smaller account with 0.8% it is still cheaper than you buying multi class asset with fractional units which some brokers do charge on fractional units

No way because they are not market maker hence they have no control on KWEB unless you buy it direct through Krane at a preset price because they will not have a hold on those stakes they are buying
Your luck it is 8% and 2% actions and 90% through your mindset 

Now Market open in HK Baidu, Alibaba and Tencent already 5% drop

Looks tonight KWEB will have a big chance to drop below 70 and currently see whether Krane will rebalance Tencent holdings because they already almost 10% threshold at 9.92% and see whether they buy more Baidu, BiliBili and PDD

If you can take advantage SA can close shop already

If you want to take advantage go buy direct and DIY through your brokerage because you will never have control on the buy price on SA

You will only have control on your deposit which is USDMYR conversion which already RM dropped another 0.3% now

The pre calculated 6 hour price are just fallacy because you won’t know the entry until the broker Saxo execute the orders tomorrow 

I invested 2 x RM10000 since a year ago and didnt really look into it. It's has dropped

I remember during the first 2 months I was making some gain. Then I tried not to monitor it (trusting whoever managing it).
Should I stay put and be hopeful it will go up in the long term?