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FundSuperMart v18 (FSM) MY : Online UT Platform

AIYH — Thu, 09 Feb 2017 11:11:29 +0800

Fundsupermart.com (FSM) Malaysia is the online unit trust distribution arm of iFAST Capital Sdn. Bhd. ("iFAST Capital").

iFAST Capital is a holder of a Capital Markets Services Licence (CMSL) and is licensed by the Securities Commission to conduct the following regulated activities:

- To deal in unit trusts
- To offer investment advisory services
- To deal in Private Retirement Scheme

iFAST Capital is also registered with the Federation of Investment Managers Malaysia (FiMM) as an Institutional Unit Trust Adviser (IUTA).

iFAST Capital is a subsidiary of iFAST Malaysia Sdn. Bhd., which is wholly owned by iFAST Corporation Ltd. ("iFAST Corporation"). iFAST Corporation is headquartered in Singapore and the iFAST group of companies are also present in Hong Kong, Malaysia and China. The company was incorporated in Singapore on 10 January 2000.

iFAST Corporation was listed on the Singapore Exchange Mainboard in December 2014.

iFAST Corporation, via its wholly owned subsidiary iFAST Financial Pte. Ltd., is Singapore's leading online distributor of unit trusts as well as the leading operator of an investment platform for financial advisers and financial institutions. It carries the Capital Markets Services (CMS) and Financial Adviser (FA) licences issued by the Monetary Authority of Singapore (MAS), and is also one of three appointed Central Provident Board (CPF) Investment Administrators.

One of iFAST Corporation's shareholders is SPH AsiaOne Ltd, the Internet arm of Singapore Press Holdings, which is Singapore's largest media group. In recent years, iFAST Corporation has been expanding beyond local shores. In 2007, iFAST Corporation launched its first overseas business, Fundsupermart in Hong Kong and in 2008, it launched Fundsupermart in Malaysia. iFAST Corporation launched its office in China in 2014.

1. Wide range of information
2. Extensive product range and value-added services
3. One of the cheapest Sales Charges in town!
To keep discussions at this thread fruitful and constructive, it would be greatly appreciated that fellow investors try to look for answer to their queries at Frequently Asked Questions before posting here.

And FSM has a very helpful LIVE Customer Service, MAKE FULL USE OF THEM. Look for this at FSM home page:

What is unit trust?
Federation of Investment Managers Malaysia - ABC of Unit Trusts

Other FAQs on Fundsupermart.com and unit trust investing in general

1. NAV pricing and processing time

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2. The NAV price of the fund that I'm interested in is quite high now, should I stay away? Investment gurus always say "buy low, sell high"...

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FSM Idea Of The Week: Unit Split and High Fund Price Misconceptions [24 October 2014]
3. Common misconceptions about unit trust dividends/distributions:

(i) After dividend distribution, NAV price will go down, the fund will become cheaper.
(ii) A fund that declares dividends is better than a fund that does not, dividends are my profit, they make me richer.

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(iii) Topping up my holdings after dividend distribution pulls down my cost per unit, lower cost = higher profit.

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(iv) Distribution = Income

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4. Annual Management Charge, Trustee Fee and NAV pricing

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5. Return On Investment (ROI) vs Annualised Return, similar to Internal Rate of Return (IRR)

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Important link to v8 - The MS Excel Masterclass version!

Download here >>> Pinky's Portfolio Worksheet with IRR Calculation

Download here >>> Pinky's Portfolio Worksheet with IRR Calculation

Download here >>> polarzbearz's Portfolio Summary / Spreadsheet Conversion Tool
2.2B Stable Version: http://bit.ly/polarzbearzPortfolioSummary2b (this is the previous stable version patched for FSMOne)
3.1 Latest Version: http://bit.ly/polarzbearzPortfolioSummaryv31a
FSM Conversion Tool (only compatible with v3.1): http://bit.ly/polarzbearzPortfolioSummaryConversionToolv31a
For more detailed release note / instructions, please read this post

Make sure you read the instructions as many of the cells have formula in it. You can freely modify, update, or change it to suit your needs (and even share with others if you don't mind )

For Mac Users (credit to [@idyllrain]):

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QUOTE(idyllrain @ Feb 5 2017, 09:11 PM)

[@skynode], [@hong823]

Here. Coded and tested on Office for Mac 2011 MacOS Sierra.
[attachmentid=8460169]
This version below should run on Office for Mac 2016, but I've not tested it
[attachmentid=8460188]
Caveats: Like the Windows version, the moment FSM changes the structure or URL of the NAV page, this code will break. This is unavoidable since FSM does not provide an interface to get NAV data. I'm also assuming that the "curl" and "perl" commands are available on your Mac at the standard locations (You can test it by open the Terminal app and typing "perl --version" and "curl --version"; you should see some information about the version numbers printed out).

Details below if you'd like to know what is actually being run.

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[right][snapback]83614352[/snapback][/right]

Performance data for most Malaysia funds (inclusive of non-FSM available funds like funds available in the respective insurance companies) (credit to [@dasecret]) : iPortfolio

Golden Quote
Happy investing!

Disclaimer -
I am not a UT agent, nor am I employed by FSM. All my comments here are posted in good faith and with the intention to share knowledge. I am not to be held liable for any losses that may be incurred as a result of following any advice/opinion shared here. I believe the same should be applicable for any other LYN members posting here.

FundSuperMart v17 (FSM) MY : Online UT Platform

AIYH — Fri, 23 Dec 2016 07:40:01 +0800

» Click to show Spoiler - click again to hide... «

2. The NAV price of the fund that I'm interested in is quite high now, should I stay away? Investment gurus always say "buy low, sell high"...

» Click to show Spoiler - click again to hide... «

(iii) Topping up my holdings after dividend distribution pulls down my cost per unit, lower cost = higher profit.

» Click to show Spoiler - click again to hide... «

(iv) Distribution = Income

» Click to show Spoiler - click again to hide... «

4. Annual Management Charge, Trustee Fee and NAV pricing

» Click to show Spoiler - click again to hide... «

5. Return On Investment (ROI) vs Annualised Return, similar to Internal Rate of Return (IRR)

» Click to show Spoiler - click again to hide... «

QUOTE(idyllrain @ Feb 5 2017, 09:11 PM)

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[right][snapback]83614352[/snapback][/right]

Maybank eGIA-i 3.45% p.a.

AIYH — Tue, 08 Nov 2016 14:01:57 +0800

Maybank General Investment Account-i (GIA-i)

A Shariah-compliant investment account based on the contract of Mudarabah (profit sharing)
Minimum investment:
RM5,000 (1 month)
RM1,000 (2 months and above)

* Not covered by PIDM. Principal is not guaranteed

More info : Maybank eGIA-i

Layman explanation : This is an islamic investment instrument that practically function in between of SA and FD.

Eligibility:
i) Malaysian (irrespective of race/religion/gender) ***(for those who don't belong to this, refer to the website link above to find out your eligibility)
ii) Maybank2u online account
iii) At least RM 1,000.00

Steps to open new/place subsequent:
i) Log in to Maybank2u -> Accounts & Banking -> Fixed Deposits & Mudarabah IA

ii) Make a placement -> Product type select General Investment Account (GIA-i)

(Only for frist placement, fill in the questionaire, and proceed)

iii) Select your preferred tenure (practically doesn't matter except 1 month vs other months, explain later)

iv) Enter your principal amount and other options, then click Continue

v) Verify information and click Confirm

Step to uplift eGIA-i:
similar to how you uplift eFD.

Historical Profit Rate:
1st July 2015 - 15th April 2016 : 4.00% p.a.
16th April 2016 - 15th May 2016 : 4.00% p.a.
16th May 2016 - 15th June 2016 : 4.00% p.a.
16th June 2016 - 15th July 2016 : 4.00% p.a.
16th July 2016 - 15th August 2016 : 3.75% p.a.
16th August 2016 - 15th September 2016 : 3.58% p.a.
16th September 2016 - 15th October 2016 : 3.60% p.a.
16th October 2016 - 15th November 2016 : 3.60% p.a.
16th November 2016 - 15th December 2016 : 3.55% p.a.
16th December 2016 - 15th January 2017 : 3.55% p.a.
16th January 2017 - 15th February 2017 : 3.50% p.a.
16th February 2017 - 15th March 2017 : 3.50% p.a.
16th March 2017 - 15th April 2017 : 3.45% p.a.
16th April 2017 - 15th May 2017 :

Note : Profit Sharing Ratio (PSR) in the page is just FYI on how the profit was shared between the bank and you as part of the islamic Mudarabah concept.
Note 2 : Layman wise, you are entitled to the profit rate quoted without any extra calculation

Pros:
i) Profit calculated daily, flat profit rate for the whole balance, no tiered and hidden condition

ii) Irregardless of placed tenure, you will get back principal + profit for the amount days placed even if you uplift prematurely, provides high flexibility and liquidity.

iii) Higher profit rate compared to saving accounts and board FD.

iv) Similar to eFD, you can place multiple certificates, each with different amount and tenure to suit your purposes

Cons:
i) Once you placed, you cannot uplift on the day itself, can only uplift the next day onwards

ii) Similar to eFD, you can only place and uplift from 6am to 10pm, daily including weekends and public holiday

iii) No PIDM protection.

iv) Influenced by OPR, in the event of profit rate changes, you will entitled the profit rate according to the duration of your placement (refer to historical profit rate)

eGIA-i Review by others:
i) GenX GenY GenZ - Earn More FREE Money with Maybank Mudarabah Islamic Accounts versus Savings Accounts
ii) Stretch Your Ringgit - Maybank General Investment Account-i (GIA-i)
iii) Personal Loan Malaysia - Maybank GIA (General Investment Account) review
iv) Dividend Magic - Where to park your money? Maybank GIA-i

FundSuperMart v16 (FSM) MY : Online UT Platform

AIYH — Sat, 22 Oct 2016 12:55:50 +0800

» Click to show Spoiler - click again to hide... «

2. The NAV price of the fund that I'm interested in is quite high now, should I stay away? Investment gurus always say "buy low, sell high"...

» Click to show Spoiler - click again to hide... «

(iii) Topping up my holdings after dividend distribution pulls down my cost per unit, lower cost = higher profit.

» Click to show Spoiler - click again to hide... «

(iv) Distribution = Income

» Click to show Spoiler - click again to hide... «

4. Annual Management Charge, Trustee Fee and NAV pricing

» Click to show Spoiler - click again to hide... «

5. Return On Investment (ROI) vs Annualised Return, similar to Internal Rate of Return (IRR)

» Click to show Spoiler - click again to hide... «

Important link to v8 - The MS Excel Masterclass version!

Download here >>> Pinky's Portfolio Worksheet with IRR Calculation

Download here >>> polarzbearz's Portfolio Summary with Pinky's IRR Calculation (and here for Polarzbearz's FSM-to-Spreadsheet Conversion Tool)

Make sure you read the instructions as many of the cells have formula in it. You can freely modify, update, or change it to suit your needs (and even share with others if you don't mind )

Golden Quote
Happy investing!

Disclaimer -
I am not a UT agent, nor am I employed by FSM. All my comments here are posted in good faith and with the intention to share knowledge. I am not to be held liable for any losses that may be incurred as a result of following any advice/opinion shared here. I believe the same should be applicable for any other LYN members posting here.