Of course. See if you willing to click extra and see good funds available.

Er buy from FSM, it's free. You only pay annual fees. Rather than pay EPF to manage your money and get like 5%, by you doing a little work can earn minimum 10%p.a

I ma not going to pay service charge if I can help it. Unless no choice.

It have been good for the past 10 years beating EPF by minimal double digit.

Er, I hold long term. Only exception to this is principal Asia Pacific thanks to emperor xi.

I kena before. Sold too early. Different stories for different people. Some want take profit. I am ok with letting it run.

My mistake. Sorry. I thought was free.
https://www.fsmone.com.my/support/frequentl...tUniqueKey=2362

This post has been edited by Ramjade: Apr 15 2024, 10:33 PM

It's always free.

I don't know if I am charged 0% or 1.5%. If charge 1.5% so be it. It's worth paying them 1.5% to get average minimum of 10%p.a and only one time charge.

Pick one. No need so many fund. Pick the best.

I just checked my transactions on FSM bought via i-invest 0% service charge

This post has been edited by Ramjade: Apr 17 2024, 11:35 PM

For me if somehow principal global titans is open back up, I will put my money with them.

Since EPF suspended them, my only choice left is KAF core income. Others all sucks.

Not sure about public mutual.

Only way is test it out yourself and it will generate a report from FSM side. Report shows zero service charge. I didn't go and count.

Don't worry. Wish me luck too. I got like 20% of my EPF inside there. Lol.

Don't worry. Will put more. Won't bother with EPF. Lol.

Choose wisely.

Worth it if can give 10%p.a.nett fees

This post has been edited by Ramjade: Jun 17 2024, 10:00 AM

Surprising quite a lot.

You can. It's up your risk factor lo. Loan need to pay off. If own money no bank going to come after you.

Actually a lot. Can check out FSM page. Fund selector. EPF approved fund. I will be waiting for them to enable back global titans (returns are lower than KAF core surprisingly). For me, I just buy one and stick with it. If the wheel ain't broken, don't change it.

Kaf core have managed min 10%p.a for I think 10 years already.

Principal global titans was one of the few fund with overseas exposure but disabled by EPF. Reason of disable Iusnure but I can only speculatr that they want people to invest locally. Just speculation cause that time ringgit dropping. I don't believe in coincidence in govt related policies.

This post has been edited by Ramjade: Jun 17 2024, 09:53 PM

I was shocked. For a Malaysian fund. It have been outperforming the EPF for years!!!

I maybe a DIY guy but if something is good, I will just pay them to do it for me.

This post has been edited by Ramjade: Jun 17 2024, 10:19 PM

If a fund is good, stick with it. No need to chase the latest fund. That my principal. Like the Scottish mortgage fund. It's a good fund listed on LSE

Got lots of fund giving like 30% return for past 1-2 years. Must look at long term how it fare. So far the most consistent fund is the KAF core

Got. Many of my returns from unit trust are from buying near low. No one can buy at the exact low.

Why? Keep in mind. Unit trust hold a basket of stocks. If price goes down, NAV also goes down. Also majority of unit trust hold like 5-say 20% of cash (maybe wrong here) so that low % of cash won't offset the NAV drop when market drop.

Long term likely doesn't matter if the fund is good. If the fund is lousy, it's a whole different story. Lol.

But if you are like me who likes to get extra returns, you need to have cash standby.

From bloggers who I follow, all make their money and wealth by having cash and buying when things are cheap. Only some bloggers will continue buying even though all time high.

https://singaporeanstocksinvestor.blogspot.com/?m=1
Me tako escape (his blog disappeared already)
Joseph Carlson
Joseph Carlson after hours
Dividend guy
Brian feroldi
Mr fired up wealth
Chip stock investor
Dividendology

Who knows.


Agreed.

If you are using EPF money you better be damn sure it beats EPF money or match it. If it cannot beat it match EPF, don't bother. That's why I set my target at 10%p.a

EPF, interactive broker. I am using my RM100k to buy sg banks over putting money into EPF.