Seemed like Msia market is not so good...but no choice, I have no idea how to invest in foreign market, except buying some global funds.

Anybody can provide some information about the historical dividend distribution of some bluechips?

I think I have corrected the calculation at post #1461. It should be 7.797% return per annum. For sure, we assume there is no switching activities in this case, as not many people are free to monitor the market always and switch the funds. In my opinion, people who invest in mutual funds are mostly busy people and don't know about market performance. So, most of the mutual funds owners will not switch their funds. Dividend distribution is not value added, so we do not take this into profit calculation.

In fact, I admit that switching is a good activities to maximize the profit. I bought a fund two years ago, but lossing money. So, I switch half the funds to Index funds, when at that time KLCI is only 860++. So, now I do not loss money, but earn a little bit from this investment. The objective I invest mutual funds is, I know I can learn about investment faster when I really put money into it. Is it silly?

This post has been edited by leekk8: Nov 3 2006, 09:58 PM

Ah Long is illegal in Malaysia, you might be sued if doing this...
It's not an investment if we do something illegal...

Yes, it's legal if you didn't charge any interest on your loan. If you lend money or even give money to your friends without charge any fees, it's legal...
You can give your money to anybody...right???

Yes, if the stock has dividend yield around 13%, we no need to sell the stock and get the dividend every year...it's not easy to get some investment give you high return every year...

I know BUY low SELL high is the concept of investment, there are some companies having high dividend yield, so we can wait for the price become low or reasonable, then we can buy it. I believe that there are always some companies worth to buy. I'm a newbie in investment, and I never buy stock before. I'm learning and will start trading in stock market maybe next year. For me, I will allocate 70% of the funds that I have into some high dividend yield stock, but the rest will be put into some potential companies, which may be growing rapidly.

I not dare to say RICH DAD POOR DAD is right or wrong, in fact, I learn quite a lot from that book. Some of the things might not same as Malaysia, as the author is an American. However, the idea of the book is, we need to change our thinking and perception. Things are changing all the time, so our mind also must be changing. Before I read the book, I didn't realize the importance of investment and financial planning, but after I read, I realize the importance and it's worthy to try to do own business...

So, if the economic crisis comes again, it's the time for us to invest in some stable and well-managed companies. Buy the share when price low, getting high dividend every year, then sell it when the market is high...you can maximize your investment returns.

Yes, you're right. If the dividend yield is high, sure we no need to sell the stock. However, there're reasons for us to sell the stock:
- if management team is changed, the dividend yield might different
- if you know the share price will drop soon, why not you sell it and buy it when price low? You can earn the price appreciation and also the dividend
- if there's another good stock that you want to invest into

Thanks dreamer for your advice, I will remember what you've said and try not to predict how the share move in short term...

Yes, I have to learn to say more with less, but it's not the only reason for us to sell the share...so, I disagree with the statement you made, which states IF AND ONLY IF... I agree with cherroy, if the management change, the performance might be poor, and dividend will be less or no more dividend. Just imagine, a good performance company change management then buy over some bad companies, sure the performance will become bad...

I never buy share before, but I think is like this:
The share must be active.
Study the financial statements, know about their profit, liabilities, liquidity, EPS and PE.
Look for the dividen distribution history.
Look for the future plan of the company.
Get know well about their current activities and news.
Study the share price to determine its over valued or under valued.

I STRONGLY agree...if this thread can be separated to more specific categories, it's easier for LYN forumers to follow the discussions. Hope the admin or moderators can do something on this...

I support the suggestion that Admin can open a specific forum to discuss about finance and investment. I think maybe Dreamer or Cherroy can be good advisers in investment topics...

Thanks to admin and moderators for moving this thread to the new subforum...We can continue to share our experience and opinions here, even with more specific topic.

After you have an amount equal to your 6 month expenses in FD, then you can examine the risk level that you can bear with. From that, you can invest in mutual fund if you know nothing about share and dont want to bear high risk. If you willing to learn about share, then you can go ahead...Please...study on it before you buy share...don't simply listen to some tips and buy...

I just answer your same question in another thread. Unit trust and mutual funds maybe different in foreign countries, but in Malaysia, they are same.

For mutual funds, there are a lot of funds as well. If stock is totally out of your mind, then consider which type of funds you're interested. For high risk, take equities funds. For moderate risk, take balanced funds. For low risk, take bond funds. If you're interested in Public mutual funds, I think pidah can explain to you here.

For me, the way I learn UT/MF is, put some money into it, then you will learn it very fast...

I just know a bit about UT when I invest in UT, but now I'm confident to say, I know quite a lot about UT. Now, I'm learning how to choose a right funds and how to predict the returns.

This is the way I use. When you put money on it, you will not be lazy to learn about it. The money is your motivation and spirit, sure you may pay it for the lesson. There is no free lesson in this world.

ING and Prudential is specialised in insurances, but they also offer investment linked product, they are still considered as mutual funds.

Try to learn from forum and some books, then put a little bit money into it, then you can learn it very fast. I recommend Public Mutual, as it wins many awards every year. I'm thinking to switch my funds to Public Mutual...

Maybe you can let people know about you're the agent, then ask forumers PM you if interested. As I heard from my friends, Public Mutual agent can get 2.85% commision.

Now the market is quite high, but still got funds that are good to invest. Different market situation can invest in different type of funds.

Not all the funds need minimun initial amount 1k...you have to refer to the prospectus.

For me, MLM is not really investment. It's a business or a job. You need to spend a lot of effort, money and time to be successful in MLM. Investment is a method to maximize the returns of your money and protect the value against inflation.