Yea! MF is riskier than shares

hmm....dividens is like interest calculated in %.

example...you invest RM1000.

if the anual dividend 10%..your profit=1000x10%

dividend is profit that you get from investing in the company. when you buy share you actually own a small pcs of the company...dividend is like our payout by the company.the higher the net profit the higher % of dividend loh.

This post has been edited by 3den: Oct 9 2005, 12:42 AM

Or you can say stocks are managed by you and to whatever companies you want but mutual fund is managed by the bank to a specific group of companies they want to invest to.

Basically, the bank is doing what you guys called division of risks (discussed earlier) by investing the money to several different companies. So, if you invest in the Mutual, the bank will do it on behalf of you.

Am I right?

I think Mutual Fund has the same risk with stock because it's status is based on stock exchange too. The only difference is the maintainance, if you are expert enough to do analysis on stock market and invest on your own, you do not need to invest on Mutual, however, like newbie and people who are not pro, investing on Mutual Fund is safer because the bank will help you to decide which to invest to.

i think it's still same game but different ways to play it.

well if you r not confident with yourself making decision ....MF is your choice loh..
why not buy a bit cheap share around RM1-2....look for good company background
i think this way you learn more rather than playing with MF.

there is plenty of online real time stock exhange game....you will see why i say stock better than this MF.

there is other thing call Opiton trading.... even better!

NOt just the confident but the time to do all the research.

make money where got easy way....need time and effort....

Hi Everyone, just for your information everything that is regarding with investment does come with risk....That's why it is named as investment...If u dun wanna have risk then go for Savings.....
High Risk, High Return , Low risk Low Return.....

MF are actually not so risky as wat you all think....MF have 3 types of Funds that is High,Medium and Low Risk......
Those High Risk Funds wan consists of Funds that is invested in Share Market
Medium Risk wan is 50% in Share Market and 50 % in Fixed Income
Low Risk Consists of those Fixed Income Securities like BONDS.

Investing in MF is also alike like investing in Share Market....
So when doing investing in mutual funds u need to see the timing of the share market...eg. now the CIndex is 925...so its it high or not high for u? u have a think of that......

If u think that the CI is high then u invest in the fixed income like bonds 1st.....then later when the CI drops more then only use ur money from bond u put in the equities....

IF you would like to know more on the Investments can PM me for more information on how to do investment...

What I know, everything you do have a risk... not only investment have a risk... saving also have it's own risk. you walk across the road also have a risk.. this is life..

Another thing about trust funds/mutual funds is that they will charge you 5% for buying every unit. Which means if you were to invest let say 10k, you may already lose RM500 the moment u invest. And since funds move so slow, it might take a while just to recover back your RM500 that they charge...if you're lucky.

sorry for late reply full of appointment lately,
yes i do invest, i invest with SBB, but my investment is quit complicated because i do a lot of activities that capture market movement, i already capture my profit ( i move my money to CIF (index fund) on may 05 the move out on august 05 i capture 13% profit here), i right now parking my investmetn in SBB EIF that is income fund, i waiting for foreign fund to launch, then i will move my money there.

8% is the target that double from bank, we can't demand a lot on nowaday market, is not like last time 20% per years and more, but 8% is the target profit for most my client, if they say want more i will do my best but i will advice them of the risk the will face,
know this, the higher the return the higher the RISK.

the unit trust com will send your investment status to you, you can check there, or you can call the unit trust com to send your investment ledger to you.

but i have a custome build system to capture all this and i use it to make money for my client. that why it is better to appoint a good consultant to manage your investment.

This post has been edited by vincecyc: Oct 9 2005, 08:21 PM

Hehe ... meaning, whether you lose or gain, they already get the money from you. It's no longer their business.

that is the services charge
but i call it the different between buying and selling price
the charge is different depent on fund,
that why you need to plan smart to earn your money in unit trust
not just dump you money in a fund forever sitting on that fund there
and hope it will grow.

Vince, i got one question. You mention that for your investment to grow, you have to find a consultant that is capable to monitor your investment. So exactly who is this consultant? Isnt the fund manage by a team of fund managers? Are they the ones? Or do you mean the person in which you buy the funds from? In my case, just an RHB bank personnel...and the sad thing is, that particular personnel is no longer working with the bank too. So how ah?

Most of the bank personal just sold and then forget about you. End of the day we have to monitor ourselves. Not easy to get a good consultant who really do their job.

Even with a consultant monitoring for you, there's still no gurantee that your investments *will* grow. If that person already left, then you'll need to do the monitoring yourself, besides, that's still what you have to do even if the consultant is still working. If you bought an investment medium which you are unclear of, then start reading up on it. Or you can get another sales consultant to monitor your account, you gotta sweeten it up for him though by putting in additional funds. Can't show the stick without the carrot, know what i mean?

A good consultant is not fund manager or banker,
it is agent that marketing unit trust and not just selling but they help the client to monitor and plan strategic to grow their client money, they doing it full time, i not saying partime is not good but provided they have time to monitor for you,

you can try to call the unit trust com. to send someone to serve you or
you can call ur UT com. to require your "investment ledjer" to fax or send to u, then you can scan it and email to me or fax to me, i will help you to monitor for you but since i have no right to plan any strategic on that unit trust com. you invested, i can only tell you your status from time to time.

since i talk to u sometime already i do this for free and fully bulan sabit work.

if you wan to fax ur ledjer to me pls call me first cause i wan to on my fax machine,
u call call me on this no: 017-6727668, fax: 7804 9133.

i glad i can help.
happy investing

yes true, but a good consultant will not monitor to see only what happen, but they will actually plan strategic on it to make sure the client money will grow, although not gurantee, nothings is gurantee, no risk no gain, doing business also not gurantee to make profit but, if you do somethings on it the risk will be reduce and increase the profit.

yes i agree with spanker you should a least know the basic of what you invest, and clear and understand what and how your agent will help you.

ok, no offend, but can you share with me why u say MF is riskier than share,
have u invest in unit trust or share,
I really appreaciate,
coz i like to hear other people opinion

- All we want is to be in business that we understand, run by people who we like, and priced attractively relative to their future prospects. - Quote from Warren Buffett, 1994

This is a quote that justify what spanker has said

Thanks so much. Such a samaritan.

I'll try to request for the investment ledger then.

Again thanks!