amanah saham

Mind telling us which type of fund u invested it ?

the beginners welcomed's PB Balanced Fund

This post has been edited by ky_khor: Aug 22 2006, 12:05 PM

Balanced Fund today buy price is 0.7320, sell price is 0.7796

your statement say u have 1127.01 units @ 0.8873
1127.01 * 0.8873 = 999.995 (round up to 1k - ur initial investment ?)

Market value of ur units holding -
(1127.01+84.2) * 0.7320 = 886.605

Which means on paper you are losing 1000-886.61 = 113.39 at the moment

Hope I dint mislead you

This post has been edited by dEviLs: Aug 22 2006, 12:46 PM

if read that, it is better to invvest in index fund( passively manage fund ) which its follow d market trrend such as S&P 500..... but how ab in malaysia? kuala Lumpur Composite Index (KLCI).?

Mutual fund is a mid-long term investment. Since the service charge of most fund is around 5-6%, normally funds need to take 3 years to gain returns. In fact, many funds perform poorly, however, there're some give you return much higher than FD.

Ya, there're index fund in Msia, which performance is following the KLCI.

yar... i noe... i wanna noe wetehr, KLCI is good enough to follow.... btw, some of d funds offer in malaysia for index fund is outrages....

Hi,

It's better you understand about financial planning. Set your financial target, then come out some plans to achieve your target.

First, you can save up some money in FD, for emergency usage. This amount depends on your expenditure. It's advisable you save an amount equal to your three month expenditure, thus, even you are jobless for 3 months, you still can survive.
After that, plan some investment strategies, start with mutual funds, insurances then stock market. Mutual funds are easy to understand, it's low risk, also low returns, if compared to stock. Then you can go for stock trading in KLSE.

Good Luck.

Anyone here are investing property or should I call it real estate investment?sorry for being noob here..i am interesting in investing property like those buy house and u hold for a period of time than u sell it off.Anyone can give info about these stuff ?Can we earn alot through this ?What is the risk of investing a property ?

Hope someone here are willing to enlighten me

lowyat82,

In fact, I've purchased KLCI index fund, and it gives me return. I can't give any comments on the performance, but I can clarify few things here.
Index funds normally didn't have distribution. Maybe once few years.
The price trend is same as KLCI, as it invests in all composite shares.

If you want to purchase, consider the KLCI now. The KLCI now is quite high...it's not really a wise decision if you purchase now. Bear in mind, you have to consider the service charges.

thanks for d advice...

how u think ab d new RHB dow jones islamic index funds?its follow d trend market of dow jones.... in ur opinion is it.. better to invest locally or globally? coz i heard that malaysia market fluctuatess alot...

thanks for the advice, bro leekk8.

i shall learn more bout this first.

I think a lot of people don't realise the UT distribution can be taken as cash rather reinvest. Although reinvesting is not that bad, but everytime you reinvest you lose 5% from it. When you buy UT, you must fill in and instruct them to get the distribution as cash or else they will automatically reinvest for you.

Personally think that taking cash is much better than reinvest.

Where or how can i learn more bout Mutual Fund in Malaysia ?

Hi,

I am trying to learn about Malaysia market here. Why are you buying KLCI index fund?? The Unit Trust in Malaysia has a lot of cost in it. Let's say the annual maintenance fee is 3%. Compare this to buying one bank counter that pay dividend yied of 6%. How does the Unit Trust is better?? The Unit Trust will have to grow 9% per year to match my bank stock.

Please comment...

Dreamer

www.min.com.my/eng

but... compound interest is d best invention hunman has made....

but d prob is, some of d money will taken away from us everytime we invest... thats y im searching for passively manage funds...

Yup, everytime you buy UT, you lose 5% straigth away and 1.5% annually for their maintenance cost. That's why UT company are always trying to launch new fund.
Global fund still ok since it is not accessible for retailer investors like us, also you spread your risk in foreign currenct asset and might earn better if RM depreciation like 98's.
For local equity fund which you can buy yourself in the stock market, it is not worthwhile to be invested especially for those having sound investment knowledge people. In stock market, the commission rate is about 1.2% with no maintenace fee need to pay and can get back the money in 3 days time while UT need at least a week or so when redeem your units and need to lose 5% every purchase and 1.5% annually.

I am not saying UT is not good but bare in mind their cost of purchase is not cheap also. But for those having little knowledge about the stock market and having no-discipline in investment, it might also a good choice.

Cherroy,

1) You are saying Global fund unit trust might be good for diversification.

2) Local fund unit trust is good if you are ignorant about local stock market.

FD start to look very good.. You lose nothing in commission and you gain 3.88% every year.

Dreamer

For sure, global fund is good for risk diversification. Bear in mind...you should evaluate your financial status before you do any investment plan. Clarify your financial goals as well.

Save money in FD, if you can't take risk and you know nothing about mutual fund and stock market.

Invest in Mutual fund, if you can take low risk and you're clear about the operation of the mutual fund, eg. how the fund manager invest, how much is the service charge, etc.

Invest in stock market, if you can take high risk and you know much about stock market. Just to remind, don't think to earn fast cash in stock market. Investment in stock market should be mid-long term investment, not short term, which is more like gambling.

So, after getting know about yourself and your goal, you have to choose the most suitable investment mode. LOW RISK, LOW RETURN. HIGH RISK, HIGH RETURN. THIS IS ALWAYS TRUE!!!