i'm sticking with the largest private Unit Trust in M'sia, which is having the biggest portfolio in investment.
well, whoever interested to invest in Unit Trust can PM me,
Qs are FOC of course, no worries...

oh ~ mind to tell the largest unit trust company name ?


I know ther alot unit trust company but now sure which is largest?

Hai you guyz, sorry to budge in. But i wanna make things more clear and safe for me and anyone else that willing to share. Please level with me.

EXAMPLE : I have RM10,000.00 now. How for me to double or triple my money
without involving stocks or shares. I need to know the safest
investment. Btw monthly income 2K.

This post has been edited by doremon: Sep 26 2005, 08:06 PM

What is a CDS account?

CDS is Central Deposit System... the account maintained with Bursa Malaysia to be used to trade shares.
in order to buy and sell shares in Bursa Malaysia you must have CDS account, and usually opened thru broker/securities firms.

How much to open an account?
Any website that I can browse through on this?
Interested in knowing more.

osk188
my dad also got open this acc. everymonth got come letter from pos laju
work from home also can la if you terer..my dad does it at home most of hte time

Erm... I put a small sum of my money in FD (as an emergency fund)... Then I put some of them in Mutual Fund ... And I'm setting aside a small sum of money to invest in foreign exchange (I'm still trying to learn more about technical analysis ...

By the way doremon... Money and risk are related... If you wish to double your money but not involving any risk, IMHO, this is hard or near impossible...

yes, True ~

Invesment to higher risk than you opening a shop.

If you opening a shop, chances to earn more better than invesment. Only

to start a business need a sum of budget(depend which business you in).

Ok, doraemon asked me to clear things about the ASB.
What i am trying to say is invest the smartest way. Using your own money instead of loan money for ASB.

My collegue En.Azha has already have an article about ASB in his website.
Its in BM, and im sure u guys know B.Malaysia rite . Sorry im too bz to translate it for you. But if you still have any doubts, u may ask questions.

here are some link about the ASB :-

ASB LOAN
Unit Trust - Is it a good investment?

Read it..

So tilo, what u basicly suggesting to me, regarding about this matter. Is there any safer way to do some profit. Period of time does not matter, as long as it worth it.

to earn money using money:

FD has the lowest risk and lowest return.
Share has the higher risk but higher return too. (depends)

u heard of ppl getting rich becoz of share. u never heard of anyone getting rich becoz of FD.

I would suggest a Fixed Deposit if u thinking on safer investment and guaranteed returns. If you ask me which company shud you look to..i definetely will tell you to go to the company that i represents + we give some extra protection.

Tips before investing..
always do your research. The best up-to-date resources u can go to theedgedaily.com or buy Personal Money Magazine..it only cost you not more than RM10. You also can read what Fund Manager are expecting and not expecting in our market.

Have u seen theedge newspaper today..
Scicom's shares are heavily trade..oversuscribed for 22.34 times..
whoever buy the shares when it lower sure smilling now..

This post has been edited by TheAssociates: Sep 27 2005, 01:50 PM

yeah, true.

If low risk with easy rich. this world money have no value.

Sometimes I will thinks FD good because more secure. sometime think Share good because high return.

DECISION = THE WAY YOU CHOOSE YOUR FUTURE PATH.

The largest private unit trust is Public Mutual... it's actually a merger between KL Mutual and Public Mutual not a long ago... approx RM10 billion in investment. The largest unit trust company is Permodalan Nasional Berhad (PNB) with RM72 billion in investment. They managed Amanah Saham Bumiputera (ASB) and the likes of Amanah Saham Malaysia (ASM) for non-bumi.

Regarding the loan thing on ASB, don't apply ASB loan that being offered coz the interest fluctuates... what you can do instead is apply a private loan from Bank Rakyat or Bank Simpanan Nasional at fixed interest rate i.e. Islamic loan and reinvest the money back in ASB.

The highest interest rate at these banks are very much lower than the one offered at commercial banks. For instance Bank Rakyat charges maximum of 5.8% p.a. for a 100K loan... compared to minimum dividend of 7.0% offered by ASB and ASM. If you go to commercial bank you will be charge something like 0.5% + BLR (Base Lending Rate, currently at 6.0%). But do keep in mind that BLR does moves according to economic condition and controlled by Bank Negara. You might get caught if BLR rate is higher than your dividend rate.

As for stock market, it's not for the weak heart... rule of thumb, don't invest all your money in just one stock... diversify your investment. And do some reading on what you're going to invest... don't simply listen to rumours (some are good, most are just crap).

Well, happy investing.

Reminder... not all property is a great investment. You should know that...

Erm, my idea about diversify is.... diversify doesn't reduce ur risk... If u diversify too much, you'll hv less time for each of ur investment and most likely, you'll make more mistakes...

Let's say you focus on 2 share ... you'll get 50%/50% of ur attention there...

But if you focus on 5 share, your attention is changed to 25% each share..

You increase ur odd of losing in a share by buying more share... with 2 share and 5 share, you'll most likely have more chance to lose more money in the 5 shares...

Rather than trying to diversify, why not focus on 2 or 3 good ones instead of going for 5 or 6 normal ones?

*I'm not an expert in share market, this is just some of the points I read from investmen books

Yes, too much diversify is not good for private investor... but 5 stocks is OK for your own monitoring, too much is like 31 and above. The most ideal number within human capability is 30 stocks without losing sight of your investment objectives. But if you're the one who don't have time to do all these monitoring...that's why we have unit trust who have more than one ppl to monitor the investment... but you have to pay them and have no say in your stocks selection.

Btw, It's not that hard to monitor 5 stocks, believe me... you have bought the stocks anyway, just wait for your rewards... It's the stocks selection process that will require much of your time... not the monitoring.

Remember, more stocks you own, the more it costs. It not such a good idea for new people who wants to go into stocks market. There;s a limit on how many business he/she can understands..

The reason why some stockbrokers diversify was to reduce what is called "unsystematic risk" . The more companies in your portfolio, the lower your "unsystematic risk" will be....but the closer your return will be to average.

Anyone have any idea on how much is commission you have to pay the brokers when doing transactions?

I hv always wanted to know... How does a portfolio actually looked like?