QUOTE(wongmunkeong @ Sep 14 2012, 10:57 AM)
Fund Investment Corner v2, A to Z about Fund
Fund Investment Corner v2, A to Z about Fund
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Sep 14 2012, 07:54 PM
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#21
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139 posts Joined: Dec 2008 |
QUOTE(wongmunkeong @ Sep 14 2012, 10:57 AM) |
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Sep 20 2012, 12:52 AM
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#22
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139 posts Joined: Dec 2008 |
Dear fellow investor,
Anyone invested in Hwang Select Income Fund can recommend a fund house with competitive sales charge? FSM doesn't seem to carry it. Pink, I notice you have Hwang SIF in your portfolio. Can share which fund house you use and the sales charge? |
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Sep 20 2012, 02:30 PM
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#23
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139 posts Joined: Dec 2008 |
QUOTE(Pink Spider @ Sep 20 2012, 07:59 AM) U like HSIF too? We have a similar mix UT portfolio Mine...bought thru EON Bank (now HLB). The last time I topped up...January 2012. Standard SC...3%. I'm getting annualised returns of 10%+ from HSIF. Low volatility some more. Been having headache on whether should I continue keeping it, cos going to the bank to transact is such a trouble. Tips - Buy Hwang Select Dividend Fund and Hwang Select Bond Fund thru FSM as HSIF "alternative", in proportion of 30% HSDF + 70% HSBF e.g. RM150 HSDF + RM350 HSBF. Look familiar? HSIF's asset allocation is 70% bonds, 30% dividend-yielding equities. HSDF SC@FSM=2% HSBF SC@FSM=1.5% (30%x2%)+(70%x1.5%)=1.65% Think...think... No more place to park my fund since AmDynamic is close. The only comparable UT for me is HSIF. I heard the replacement for AmDynamic is already approved by SC but will only be launch at later date. Thank you for the great idea Let me work out the combine yield over the cost factor compare to buying HSIF. I think can get some further discount on FSM sales charge. They have some discount scheme for GOLD status customer. |
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Sep 20 2012, 11:48 PM
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#24
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139 posts Joined: Dec 2008 |
QUOTE(Pink Spider @ Sep 20 2012, 02:36 PM) u buy HSIF, SC is 3% u "DIY" ur own HSIF by combining HSBF and HSDF, ur effective SC is 1.65% (thru FSM). If u Silver status, 1.4% Wait, u GOLD status? Bear in mind, HSIF is a Conservative Mixed Assets fund, AmDynamic is a bond fund. If u want a higher risk bond fund, consider OSK-UOB Emerging Markets Bond Fund and RHB Asian Total Return Fund (feeder fund for United Asian Bond Fund, a strong Singapore-based Asian bond fund. But...SC=2% But heck, AmDynamic Bond also got fee...exit fee 1% My OSK-UOB Emerging Market Bond Fund still in negative as invested in July 2012 almost right at the peak. I should have invested directly in United Asian Bond Fund, no sales charge at all. |
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Sep 21 2012, 12:12 AM
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#25
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QUOTE(Pink Spider @ Sep 20 2012, 11:52 PM) Hi unker Hi Pink,Haven't got time to fully explore FSM Singapore website, but from what I can glean from a brieft look, even though no SC, they have this thing called "platform fee", which is recurring like management fee, unlike SC which is one-off. Maybe u can try to study what that means? The FSM SG platform fee for fixed income fund is 0.05% per quarter. That mean one year you will be paying 0.2%, compare to paying 2% in advance for FSM MY. That is equal to 10 years platform fee. How long do you think you will hold your OSK-UOB Emerging Market Bond Fund? 10 years? I think not likely, you will switch out to other fund sooner than 10 years. If your are at my age and invest in lump sum (cause no more monthly income only saving) This post has been edited by aronteh: Sep 21 2012, 12:13 AM |
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Sep 21 2012, 03:21 AM
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#26
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139 posts Joined: Dec 2008 |
QUOTE(Kaka23 @ Sep 20 2012, 09:55 PM) There is nothing special with gold status. Just a way to get more discount from the sales charge. You don't like me being call unker. Added on September 21, 2012, 3:34 am QUOTE(Pink Spider @ Sep 21 2012, 12:28 AM) I wish I can be like u by the time I retire When I way young, I know nothing about UT and alway chasing after hot tip in stock market and got burn left right center. With discipline and time with you, I am sure you can do better. How u invest with FSM SG? U got SG bank account? Otherwise, its very inconvenient to transact...everytime need to do Telegraphic Transfer Yes I have account with FSM SG and a few SG bank account. Due to long term weakness in ringgit I am slowly moving fund monthly into SG for diversification. This post has been edited by aronteh: Sep 21 2012, 03:35 AM |
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Sep 24 2012, 10:19 PM
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#27
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139 posts Joined: Dec 2008 |
QUOTE(Pink Spider @ Sep 24 2012, 08:56 PM) I also tired of waiting. We need to be discipline and not simply shoot now. I am currently looking at Greater China UT. Still can decide on which fund is the right one. With the current Central Bank intervention it make timing more difficult. Think pulling the trigger for initial load up than wait and see before topping up again. Anybody have good suggestion/experience with Greater China UT? |
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Sep 25 2012, 12:30 PM
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#28
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139 posts Joined: Dec 2008 |
QUOTE(Pink Spider @ Sep 25 2012, 12:03 PM) But AmAsia Pac REITs have outperformed its benchmark since commencement... There are still a few REIT with yield of 7% to 8% SG that worth looking into. My game plan is to lock in at a reasonable yield at 8% and top up when the price goes down to average up the yield. Case of REITs valuation chased up too high? |
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Sep 25 2012, 01:05 PM
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#29
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QUOTE(gark @ Sep 25 2012, 12:52 PM) SG yield used to be 15%-20% during the crisis, whoever very brave and locked at those rates is set for life. I miss all that opportunity. Now I just seat and wait for opportunity and park my fund into Bond UT earning only miserable 3.8% to 7% yield with combine IRR of about 5% |
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Sep 25 2012, 01:27 PM
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#30
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139 posts Joined: Dec 2008 |
QUOTE(gark @ Sep 25 2012, 01:11 PM) Don't wait too long... you never know how long you need to wait while the world passes you by... Maybe you can recommend some good fund? I am looking at Aberdeen Pacific Equity Fund that mention earlier now.“Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves.” - Peter Lynch |
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Oct 2 2012, 11:53 PM
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#31
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QUOTE(Kaka23 @ Oct 2 2012, 10:15 PM) I have AmBond. Don't see much change in NAV. The latest NAV from FSM is 1.1756 as of 1 OCT.Where did you see the 3%? Added on October 2, 2012, 11:55 pm QUOTE(Kaka23 @ Oct 2 2012, 10:15 PM) Okay. Saw the change in Bloomberg. Wait till it is reflected in FSM as Bloomberg round up to 2 decimal place.This post has been edited by aronteh: Oct 2 2012, 11:58 PM |
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Oct 3 2012, 01:25 AM
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#32
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139 posts Joined: Dec 2008 |
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Oct 3 2012, 06:37 PM
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#33
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139 posts Joined: Dec 2008 |
QUOTE(Pink Spider @ Oct 3 2012, 04:35 PM) AmBond is 100% MYR bonds, I prefer OSK-UOB Income Fund cos it has the flexibility to invest up to 30% in foreign bonds OSK-UOB Income Fund perform slightly better. I invested since June 2012 with multiple topup till August 2012. So far my XIRR is 4.02 %. Good to spread over different fund to diversified the risk.Added on October 3, 2012, 7:43 pm QUOTE(Kaka23 @ Oct 2 2012, 10:15 PM) Look like data error. FSM updated their NAV, no increase at all. This post has been edited by aronteh: Oct 3 2012, 07:43 PM |
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Oct 9 2012, 12:37 AM
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#34
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QUOTE(TakoC @ Oct 8 2012, 11:02 PM) Am planning to switch partial of my AmD bond to OSK-UOB too. Make use of the nil switching fee. Need to be more diversify. I think you will incur an exist fee of 1% for AmDynamic Bond. The is no sale charge for OSK-UOB Income Fund.Try not to touch your AmDynamic Bond as Pink said. |
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Oct 18 2012, 09:13 PM
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#35
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139 posts Joined: Dec 2008 |
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Oct 25 2012, 02:20 PM
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#36
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139 posts Joined: Dec 2008 |
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Oct 25 2012, 04:10 PM
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#37
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QUOTE(Kaka23 @ Oct 25 2012, 03:24 PM) From my source in AmInvestment. Let me check with the person if I can release the name of the fund here.From the info I get is that it will use similar investment strategy and management as AmDynamic Bond. Added on October 25, 2012, 6:08 pm QUOTE(aronteh @ Oct 25 2012, 04:10 PM) From my source in AmInvestment. Let me check with the person if I can release the name of the fund here. The name of the new fund is "Am Tactical Fund"From the info I get is that it will use similar investment strategy and management as AmDynamic Bond. This post has been edited by aronteh: Oct 25 2012, 06:08 PM |
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Oct 30 2012, 12:46 PM
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#38
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