Is anyone here do investment? care to share some experience or guideline?

what investment can be done by freshguates?

Investment suitable for ppl to do practical, training:
share, stock market.

Investment only for ppl who has capital:
house/land, etc

what else? is there bank loan for doing business? so far i only heard of education loan, house loan, car loan.

and how about unit trust? EPF?

well, i also not really familiar with those. and same like you, I like to know more

that why i join bank ~ next month going for training. maybe can answer your

question few weeks after.

I think the safest investment is Fixed Deposit, but at a very low return.

low risk low return (example fixed deposit, ~4% return per annum), medium risk medium return (amanah saham, ~8-10% return), high risk high return (stock market, >15% return, sometimes 2 days can earn this much)

i kind of interested with the stock exchange. anyone can brief me ?

from how to open account to invest ?

thanks you

- save ur money in bank = buried underground.

1 year 3.7% interest. if only u hav 100k in bank, the inflation > interest.

check how much the interest generate VS the extra money u pay after the price of the petrol increase.

remember 10k now is not 10k after 5 years. quoted in a book:

"bank is a place where dumb people put their money inside to let the wise people use them for investment and become richer."

what about property investment? any guides?

You need to go to a broker to open a CDS account. This CDS account is needed for you to trade shares and must be funded in order for you top trade shares.
Well, that's the 1st step, you can ask for more info when you open the CDS account. These days you can issue share purchase and sell instructions online.

Correct. It's called the Time Value of money. Present value is obviously more than future value. Just keep enough money in the bank to remain liquid (emergency funds), the rest: buy insurance, retirement funds (to be on the safe end) or shares, unit trusts (riskier).

Get enough money for house/land downpayment or purchase. Choose a good location/developer. Fire away and if you're investment is good, you'll get your returns. But it's definitely a medium to long term investment.

Property - Very good investment..high return
Unit trust - too liquid ..high risk also..
Bank - unless u save in Bank Rakyat..hehe ( good returns)

And if you want to invest in ASB or ASN, please dont loan the money to invest..instead using your own money.!



This post has been edited by TheAssociates: Sep 21 2005, 09:27 AM

no idea wat is ASB/ASN.

CITIGROUP S&P500 PRIN NTS 8/05) and ARCHSTONE-SMITH TR)??

somesaid EPF(retirement), insurans are not investment bcoz the money are freezed. they're more like traditional saving than investment.

This post has been edited by ky_khor: Sep 21 2005, 10:34 AM

well, i could no say it dumb. because investment = risk

you might get rich at the end OR get a lot of debts ? that the answer.

some people dun like to risk, so they put inside bank as FD.

it is not a effective ways, still is good to have some saving !


oh ~ thanks you.

any link for me to check CDS account opening ?

yeah, i was think like investment property. any guidence ?

u can find the procedure to open a CDS account at www.osk188.com, it will guide u step by step.

if u r a new to share investment, and need more information, u can also find out more at www.bursamalaysia.com, a site that contain lots of valuable information.

though i quite new in this area also, but if u got any question, can post here, i will try to help u.

Yah. Ppl who are trying to sell other investment products...

It all depends on risk appetite. Some people will also claim a trip to the casino as an "investment".

This post has been edited by johnnyxt: Sep 21 2005, 02:12 PM

oh ~ thanks you very very much ~

really appreciate your help !

i remember someone said he's going to teach us about playing share this weekend. actually i'm really looking forward his post.......

i just created a CDS account with Maybank last week.

oh ~ any requirement for the creating the CDS account ?

Some investment tips from SC...


Attached File(s)
 pipbi.pdf ( 82.28k ) Number of downloads: 900

Hi,

1) The one year FD with the rate of 3.7% does not require 100K. I know because I have a FD with only 5K.

2) Do you know how to do your own calculation as to what is the actual return for insurance?? Are you certain that the return is more than 3.7% per year??

3) Buying and selling share: Have anyone look at how much commission you need to pay for buying and selling shares?? I believe that you need to buy around 20K to 30K RM worth of share and the share need to go up enough for a person to do not lose money.

4) I know I am dumb so I put my money in the bank's FD. I know I am not smart enough to deal with share. Plus, from my own calculation the FD return is better than insurance..

5) Unit trust -> Do you know what is annual maintenance fee for the unit trust?? It is fairly high and teh unit trust need to make enough to cover that expenses..

Dreamer

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?

Per contract :-
Brokerage fee : RM 50.00
Trading fee : RM 9.00
Clearing fee : RM1.00



This post has been edited by TheAssociates: Sep 28 2005, 02:33 AM

Some banks do offer low interest rates. And BLR is no more controlled by Bank Negara. It's all up to the banks since last year. It's just that economic fundamentals have made it remain as it is.

If you ask me 5 stocks is very easy to monitor. 5 industries is more like it, with multiple stocks in each industry if you want. If it's 5 stocks in one industry, it's real risky. Imagine if you're holding on to 5 oil companies' stocks, and oil prices fall badly, you're in deep shit. It's all about not putting all your eggs in one basket.

Hmm..are you sure the brokerage rate is a fixed amount? i do not invest in stocks but i think it is a certain percentage of the transaction value with a maximum cap...the rate u had given looks more like brokerage fee for trading in futures to me...

Correct me if I'm wrong, thx

Minimum brokerage rates :-

RM100,000.00 and below min ->RM12.00 or 0.60% max -> 0.70%
Above RM100,000.00 min -> 0.30% max -> 0.70&

i maybe wrong.... is it 0.3% of your every transaction.

Yes, BLR is not controlled by BNM... but the underlying of BLR calculation based on (Overnight Policy Rate) OPR is controlled by BNM through tightening and loosening of money via Treasury Bill etc. OPR is currently around 3.5% (I think, I'm not into treasury btw), so bank makes profit margin between difference in BLR and OPR. Currently, every banks don't want to produce any price war so BLR is respectedly kept at 6.0%, coz don't want to hurt their margin. However, foreign banks is not subjected to the OPR, that's why we saw some banks like ABN Amro lowering its BLR to 5.5% in June, I think.

That's why I said study first what you want to invest... Diversification apply across every countries, sectors, sub-sectors etc. I'm just giving example to help our fellow friend here...

Brokerage can vary between stockbroking houses, so scout around for the best rate... if I'm not mistaken online transaction brokerage rate is lower i.e. through Maybank2u, CIMB@iTrade, OSK88 etc... normal is 0.3%, for large institution its 0.25%... if you are a son-in-law to Bill Gates and can invest in hundreds of million, you might get 0.1%.

Is Maybank the only bank that allows buying/selling stocks online? Ie. you dont even need a broker?

I've got 2 account, one with RHB and the other with HLB and both only allow you to buy trust funds, and not even online, just at their branch....so maybank is the only one then?

Beside maybank, u can try www.osk188.com.

Do anyone of you know what is the minimum model size and other requirement to open up a trading accounf for online stock such as Maybank?

Robert Kiyosaki's advice is that if you want to do safe investment, then you should be looking at Mutual Funds (MF).

My dad actually has someone to help him manage his MF or stocks for him while he's working. He also explained to me that there are brokers or dunno what do you call these people that advise you to buy/sell certain stocks in the day. Your returns might not be as high as these people because they help alot of people trade.

Imagine you're a broker with 100,000 in your pocket and your job is to find potential stocks to invest. Your returns are higher with that huge amount invested whilst giving back the small profit gained by people who gave you money to help invest.

Hope that makes sense.

I'd actually like to know more about Mutual Funds and Stocks.

Like, can I just leave the Stocks inside and assume it will always generate revenue for me even though I don't buy or sell more?

You buy 1 lot of XYZ's stock at RM 1,000. A year down the road, XYZ might be doing extremely well and your stock is worth RM 1,500. If you sell it now, you'll have RM 500 in profit (before the brokers, etc. have taken their cut). But let's say you decide to hold on to it for another month. Unfortunately XYZ had some internal problems, so the stock's value drops to RM 900. If you sell now, you'll lose RM 100 (your losses will be higher after everyone has taken their cut). If the company folds, you'll end up with a piece of paper.

^ correct me if i'm wrong didn't take into account mergers and stuff.

This post has been edited by Gamers: Sep 30 2005, 11:02 AM

They are called defensive stocks... never really fluctuate in share price performance but return a hefty sum of money in term of dividend. British American Tobacco (BAT) used to be a very good defensive stock which gives dividend of 8.0% (more than savings or FD) but with sin taxes increase, it creates a lot of uncertainty... there a quite few number of them in the market, you just need to look for them.

Didn't know about defensive stocks... *goes out and do some research*

RHB Invest
http://rhbinvest.com/rhbinvest/default.asp

geminist: What do you mean by that question?

A portfolio looks like whatever you put into it....

For example it may consists of cash only .. or bonds .. or stocks .. or all sorts of other types of investment vehicles ..

defensive stocks can also mean stocks which are 'recession proof' ...

like bank stocks ....for example ... ie if the stock market in general falls alot, what you term 'defensive stocks' are those that remain resilient against huge falls/moves in the market.

This post has been edited by khoong25: Sep 30 2005, 02:56 PM

erm, what I meant was... I kept seeing ppl mentioning investment portfolio and etc...

Anyways, for the term portfolio, I always hv the idea that it is something you can show to ppl... Something like a hard copy...

So the portfolio in investment, I meant how does it look like? Is it a file consisting of my previous achievement in investment? or is it just a term used to classified all the investment I have?

hmm..how do i put this in...
portfolio is like you having a pool of funds and you have to decide which instrument to invest in...perhaps certain percentage in bonds, some in equities, some in futures, etc...

and can also say that portfolio is like a basket of ur investment...

This post has been edited by dEviLs: Sep 30 2005, 04:21 PM

AH !! I finally started to see ligh at the end of the tunnel...

Thank you to both of you for explaining it to me...

Currently, I just put most of my money in Mutual Funds and a small sum in FD...

Is there any other investment which I can consider? Like unit trust? or is it unit trust is the same with mutual funds?

Is Mutual Funds the same as Trust funds?

"My dad actually has someone to help him manage his MF or stocks for him while he's working. He also explained to me that there are brokers or dunno what do you call these people that advise you to buy/sell certain stocks in the day. Your returns might not be as high as these people because they help alot of people trade.

Imagine you're a broker with 100,000 in your pocket and your job is to find potential stocks to invest. Your returns are higher with that huge amount invested whilst giving back the small profit gained by people who gave you money to help invest." etsuko

Doesnt this sounds like trust funds? Whereby there's a manager that gather all your funds and others and use them to buy stocks... I'm confused...

I did invest some money into the prudential unit trust, but so far it aint looking really good.

Thanks for the link!

what is the basic model to open up a mutual fund account?

Most of them is RM1000 and above if what I know

I thought that is unit trust?
I dont think they allow to open account in mutual fund with such a small capital.

Hi Every one,

I'm a investment consultant,

I specialist in mutual fund portfolio management,
I help people to recover loses, maximize the grow of their money to fight inflation, and utilize their EPF grow

for me, return per year of 5% or less is lousy, my target is 8% >> and above.

my target people is
people that already invest in unit trust but lose money or breake even or miss opportunity.

so if any one need any info about mutual fund can ask me.
I hope i can help you all.

thank.

Hi, if your unit trust is no looking good, you need to to some restructuring of your portfolio, you have to stop your fund from bleeding if your need advice your can pm me or contact me.

the minimun is base on fund, normally old fund is rm500, new fund is rm1000 and above.

Like, can I just leave the Stocks inside and assume it will always generate revenue for me even though I don't buy or sell more?

for stock I dun know but for unit trust fund.
absolutely no, don't ever invest into MF then leave your fund their for long time you will probably suffer losses or break even.

now aday we need to plan strategy,

be careful of those unit trust agent today
they ony will know how to sell but no service, no strategic, only get commision.
especially those part time.
I seen alot.

Join this forum, there are tons of articles for you to read.

http://forums.delphiforums.com/ms88/start

anything not sure, juz ask all the sifus there.

vince... care to explain what's the difference of unit trust and mutual fund?

If you don't mind, perhaps you can share your experience?

I put most of my money in mutual funds and a small sum in FD...

Besides these 2 investments, what else do you recommend?

I'm looking for somethign that is middle/long term and doesn't require too much attention...

unit trust and mutual fund is the same just different name

what company u invest with and what fund, when invested?

where is your agent?

pls keep in mind that invest in unit trust require monitoring, and involve a lot of activities if you want to make money in it,
and in my experince in order to make money,
if the agent is good you not need to wait for long term to reap the profit.
I normally help my client to reap profit in 1-3 yrs short term or 3-5 yrs mid term.
return is 8% >> or more per annum.

Oh... I got my mutual fund at Public Bank since I frequent this bank often and they have quite a good reputation in mutual fund management...

How do I monitor my unit trust in your opinion?

Aside from that, do you have other form of investment to be considered?

I'm just an undergraduate now therefore my capital is not that big..haha..

public bank is good but which particular fund you in,
public bank has around 22 fund it self, some good some is not,
this is also same situation with most unit trust com.

how u monitor for u is quit hard since u want to do all the calculation, study the market, the fund of public bank, what counter your fund is holding how the current market or future market will affect your fund, capture all the buying price and selling price of your fund, and must know when to invest what to invest and most importantly when to reap profit.

this is quit a hard work that for you since you r not in this line and no time.

I only dealing in mutual fund so i can't suggest other form of investment,
for me, i know how to make money in mutual fund,
so i think it is good to invest in it.

if u r a bumi then ASB is a good choice high divident every year.

not matter what level of people you r,
saving ur money in investment will give u a better future.
this is to be sure.

inflation is 5-6 % every years you have to find a way to deal with it.

if you need or any one need info can ask me, if i got time and i know i will happy to share with you all

Oh, this is the two that I bought

http://www.publicmutual.com.my/page.aspx?name=PBBF

http://www.publicmutual.com.my/page.aspx?name=PIBFinfo

Putting my money in these investment is a good way to stop myself from spending... hahaha....

alright if you can provide below info for me, i can do a dianogsis for you for free normally i charge a fee but this time for you bubdy free.

( As Each Fund ) you have 2 fund so two separated info
when you invested? dd/mm/yyyy eg. 01/01/2001
how much?
what is the total unit as per today?

you can find it on your latest ledjer that the bank give u.

you can pm me.

erm.... I am far away from home now.... So I can't tell whether has the bank sent it to me anot.. I will ask my sis to check my mailbox at home
Thanks for the help

*PS, I just bought it last month ... Can't tell the exaxt date though, will PM you the details next time when I got them..

Thanks again

I have unit trust account with AmBank but at the moment not doing very well.

vincecyc, maybe you can help me with this. How can I recover or at least break even?

I thought this is unit trust instead of mutual fund?

I also not very sure about this , maybe vincecyc can help us sort this out?

What's the different between ASB, ASW & ASN or is there more?

first sorry 4 late reply cause i quit busy

for assasin problem i oredi PM assasin( sorry for silly question)

like i say b4 mutual fund and unit trust is the same

doremon here post a good question

All The ASB, ASW, ASN, ASM maybe more all is different fund type belong to Amanah saham same company,

they are good, dunno why so good market down market up also give 10% and ubove reurn I wonder where they get the money from??
( dun argue of it)

some only open for BUMI, if you r not hard to get, and have limit per person should be 100K depent on fund,

i will have to find more info about it,
because my business partnership unit trust com is not Amanah saham

if you can get hold of it, get it, last time i want to get but close oredi.

Hi,

One rule: the "Sleep at night" test. If you cannot sleep at night due to the kind of investment you have, it is time to change your investment. If you cannot sleep, all bet is off regardless how good the investment is.

Dreamer

This post has been edited by dreamer101: Oct 6 2005, 04:51 PM

More and more fund appear nowaday just make us confuse only.

more and more fund meant opportunities, excitment and hope and show growing of unit trust and the important of it.

Cheer yah

wrong! robert said...no to unit trust and mutual fund....

vincecyc,

mine to show us your portfolio?....need to know your skill...
hope you dont mind...coz i only believe ppl tht also invest rather than manage...

dude i think 8% is not good..20-30% sound better..since it is unit trust, it is risky, why not get more risky?...20-30% possible or not?

by the way where to search for company yearly dividend record? i think they sure got data base about this right?

This post has been edited by 3den: Oct 8 2005, 10:59 AM

Yeah, i'm interested in seeing your portfolio too. Hope you dont mind....

Anyway, thanks again Vince and keep up the good work!

Anyone knows what's the Maybank Premeir Saver all about? It comes with insurance and stuffs ... but it's an investment also ... kinda blur to me ...

http://www.maybank2u.com.my/consumer/onlin...ers_about.shtml

I think its some kind of trust fund also. Except they say they will give some bonus units if you buy it....someone correct me if i'm wrong.

sorry...just wanted to get more ppl ideas...i will delete it.

are you a bumi..?if you r not then you can only buy ASW.
the rest i believe for bumi only.
i think the investment is somewhere 200K(not sure).
the saham for bumi is not closed yet..only for non-bumi...
i think not many bumi holding the saham...coz they sell it when they need money...
so there are plenty still can be buy for bumi...

so what you mean is non-bumi better go elsewhere.

err..coz the ASW saham for non bumi already habis jual....non bumi holding tight to their share dont wan to sell....coz the dividend is good.

well, what else can we do?....the most profitable n secure unit trust/fund is not availble to us....sad.

......need to find other kangtauh(investment)....

This post has been edited by 3den: Oct 8 2005, 09:13 PM

But even Mutual Funds are not really safe.....can lose out also...it does not really gurantee capital appreciation.
My fren who is a financial planner (Selling Mutual Funds) said if u really wan safe, its FD. She had customers who lost out alot in Mutual FUnds even after 10years of putting their money into it and neva touch it.....so she said, better not. But then again, go for reputable ones la like Public Mutual.....dun cincai beli....Mutual Funds are just like shares, just not as risky only. Buy "BLUE CHIPs" Mutual Funds

But i honestly think that Mutual Funds are just as risky as shares. Lets say i buy Mutual Funds worth RM1000....the wait for it to appreciates is like foreva....depreciate also slower la...but when it depreciates, waiting for it to climb up is like lagi foreva, so just imagine to even gain from it...

So i rather buy some shares worth RM1000, even if it depreciates fast, it appreciates also fast....
But if u think about it...the risk actually the same between shares n MF. Because the TIME it takes to go up n down......u choose yer shares properly la.....make sure u dun choose a closing down comp la.....

This post has been edited by mIssfROGY: Oct 8 2005, 11:21 PM

Oh..... Erm..... It's a good thing I choosed to buy at PB ... Cuz I heard that their reputation are quite good

Erm, I thought mutual fund are longer termed investments?

Unlike share where you buy and sell by day trading or within a short period of time, mutual fund provide a longer investment right? like for 2 or 3 years or so...

Anyways, about stocks... My dad and another forummer here advised me not to touch share or stocks in Malaysia as.... it is totally unpredictable and the risk is too huge ....

This post has been edited by Geminist: Oct 8 2005, 11:22 PM