What are your goals ?

Seriously dude, you think people here in the forum will seriously help u to get rich ? I think most here are too bored at work.. come here to play or make outlandish claims only...

If u really want to be rich, you have done the right thing about reading up.
Now go meet REAL PEOPLE that are successful by your standards .. and ask them those questions where you have said you have doubts on.

But for your benefit, i will share one tip.
My tip is : THERE IS NO SURE PROOF FORMULA to get rich.
If anyone sells u this, it is pure BS ... There are always risk involved but just your view if the risk are unlikely to appear during the tenor of your investment or they are going to blow full swing. No one knows but it is a view.

how to apply to invest in this funds? i went to the website and all never say how to apply? isit buy from fundsupermart or dollardex? ask my stock broker he say never heard b4...

Is there anything of substance you can add besides such generic statement that everyone know???

i guess its now how much one earns, its how much he saves at the end of the month.

i save S$4000 - S$4500 every month(exclude passive income) (sole bread winner) , wife & 2 kids

Wife and I save at least 30k a month.

Of course how much one earns matters. It matters a lot!

any1 knows of other more alternative investment fund besides the 4 mentioned above? all those above have lousy performance only 12-15% returns yearly, any other better funds can generate good returns?

ROFL how old r u? 3 yrs old? any fund that can generate 15% return averagely over long term is so rare that u will be begging them to let u put money with them. wake up!

True, my wife and I save approx 100k a month too.

quick question to the audience.
10k investment monthly get 100 bucks. Consistent all the way till you decide to withdraw. Not compound. Minimum term 1 year.

The question is dividends yields are better ( Considering compounding ) or stick with this for a few years use the 1.2k a year reinvest in equities?

Definitely. But it is with risk and it is a view..

My view is that the long run, commodities will be a stable bet .
Valuations today like noble, wilmar, olam has taken much beating in recent weeks are looking attractive to me. I think their downside can be about 15% more but their upside potential seems to be good.

Ignore oil for the moment due to political instability in Syria and there is a wildcard here . But otherwise, oil is going to be hover around US$80 -100 per barrel. If I need to make a bet on oil companies, go for the bigger ones when they have been hit down. Why ? Because they have been proven to last. The B/S is big enough and they can really take more than a hit or 2. Sure, when things pick up, the smaller ones may gain more, but if something blows out (imagine BP well head disaster , seriously, do u think they can handle such a crisis ? )

What about gold ? I like gold. It is a "value" protector. When I say that, I don't mean that like the banks or economics whom say that in crisis, gold value remain. I looked through that statement and have found it personally to be otherwise. In crisis, all things drop, and deflation sets in.... gold is no different. But, I like gold because MT wise, like 3-5 years, the value will remain. I will put $$ in gold instead of fixed deposit for "asset protection" because I feel the value of gold naturally will account for it. Again , my view.

So now, my turn, is there anything of value you can share ?
Looking forward to u sharing ...