hi.. i'm new to this forum as well as all the investment things.. Firstly, i wanna thanks everyone of you all for the contribution. From -? PS

Well, anybody heard about the Public Mutual's new UT, Public Far-East Select Fund (PFES)? i heard about it while i was in a shopping center few weeks ago. And i'd invested 5K in it...

This is actually my first investment, despite the FD... i dunno where to go, beside FD to invest my money for the first time... so i decided to give it a try, since the Public Mutual has quite a good reputation for its fund management. Currently i will closely monitor and learn the available investment vehicles in order to pick up what you guys are talking about. Until i really understand how everything works, then only i will get involve into it personally. So in the mean time, i'm hoping to learn more about the financial matter while hoping that my money in the PFES will grow... what you all think about that?

I'd read about the Gold Counter Rate from the Maybank... i'm not very sure how it work. But i think you can invest in gold there by buying the gold (min 5g) and sell it when the price goes up, just like how the forex work, except you dont need to keep the gold yourself. But what i dont like is that the difference btw the buying price and the selling price is too much (commission is too high).

http://www.maybank2u.com.my/rates/gold_rates.shtml

I'd also closely monitored the price since 15 Nov 2005. The Buying/Selling price were :

15Nov 59.81/55.38
18Nov 62.14/57.66
23Nov 62.96/58.40
26Nov 63.50/58.89
30Nov 63.85/59.22
2 Dec 64.48/59.81
6 Dec 64.63/59.94

... sorry, they dont provide the daily record, so i manually keep track the price

thru the observation period, i can see there were only 2 times when the price went down, other than the the price keep going up... if you buy the gold on 15Nov, by now, you already can earn some money depending on how much you invest...

unfortunately i was just in the process of learning, so i never buy until today... just hoping the price can get lower before i invest in it...

ThanatosSwiftfire : my observation is correct, unless the web site post a wrong info... i know the return is VERY LOW... like other Unit Trust and Shares, it depends on the market situation... even if you compare the Gold market and the shares market, do their price jump up and down drastically? i think no... unless the market is not stable, such as external influence or something...

If you want to invest in gold from Maybank Gold Counter, you need to buy at least 5oz of gold... RM0.13 (0.2%) in the period of 21 days i know is damn low... but think it of long term.... Try to compare the share market and the gold market... which is more stable? Share or Gold? From my reading, i learnt that people normally invest gold when they have additional huge sum of money. Investing in gold will make sure that your money doesnt depreciate so much even if the NYSE close down! (expert, please correct me if i'm wrong here...)

FYI, i never invested in gold.... for the mean time, i just study and make some reseach before i really put my hand in it...

ThanatosSwiftfire : my observation is correct, unless the web site post a wrong info... i know the return is VERY LOW... like other Unit Trust and Shares, it depends on the market situation... even if you compare the Gold market and the shares market, do their price jump up and down drastically? i think no... unless the market is not stable, such as external influence or something...

If you want to invest in gold from Maybank Gold Counter, you need to buy at least 5oz of gold... RM0.13 (0.2%) in the period of 21 days i know is damn low... but think it of long term.... Try to compare the share market and the gold market... which is more stable? Share or Gold? From my reading, i learnt that people normally invest gold when they have additional huge sum of money. Investing in gold will make sure that your money doesnt depreciate so much even if the NYSE close down! (expert, please correct me if i'm wrong here...)

FYI, i never invested in gold.... for the mean time, i just study and make some reseach before i really put my hand in it...

David83, BoltonMan : where can i find more info regarding the Maybank premiervalue saver and premier invest fund as what you all said? what i can see from the maybank website is only Premier 1... and the interest rate is damn low... much more lower than the FD!!!

I heard about the InvestmentLink from my friend who is doing the insurance business... he told me that it will be far more better than the conventional insurance, where the return is higher and also it come with protection. And this definetely higher than the FD... but what i dont understand is: what is the interest rate for this investmentLink? 8%? 10%? i dont know.. and from the chart he showed me only assume that the FD is 4% and none of the InvestmentLink interest rate. He said should be around 9%... can anybody tell me what is the exact amount, or the range of it?

I just bought 1 mutual fund from PM, and also a conventional insurance. i assume the PM will give me about 8% return in 5yr. But what about the conventional insurance? which one is better ha? really no idea... but what i can say is that if anything happen to me, then the conventional insurance is really good la... but if anything happen to my financial status, and cant continue to pay the insurance, then surely rugi a lot lor... not like the PM, i can stop anytime i like, only that it wont give protection lor...

So talking about InvestmentLink, Conventional Insurance, and MutualFund, anyone can give more details about it ha? Comparison, which one better, long term and short term...

This post has been edited by ...PS...: Feb 8 2006, 11:14 AM

did anyone invest in the Insarance company InvestmentLink product? i wanna know how many insurance company that provides such InvestmentLink product, because one of the agent told me that there is only 3 companies in M'sia have it - Alliance, Manulife, and Prudential... is it so ha? I saw from the Star paper, there are a lot of insurance company doing the investmentlink fund... which one is the correct one?

Ken: i bought the PM Far East Select Fund, which just launced last November, as the first overseas fund.. i invested several K as initial as there is 1% bonus... hehehehe.... then RM100 every month lor...

until now it has been 2++ months liao... and the progress i think quite good la... but i see the pattern from my opinion, not very stable la...

http://www.publicmutual.com.my/application...erformance.aspx

it is second last from the drop down list...

This post has been edited by ...PS...: Feb 9 2006, 02:58 PM

i also think that no need to open a new topic lor, since we can still talk about all the investments here... heheh

I heard about this MRTA before from the insurance agent. I think it is a type of insurance that cover you if you cant continue to pay the mortgage loan to your bank, in case of some accident or anything. I'm not so sure about the details of this insurance, maybe the insurance company will help you to pay for the rest of the loan or anything... Need additional explanation from other people...

I think you are right as well. That's the reason why you seldom hear people buy MRTA instead of life insurance. In my opinion, i rather put all the money i wanna pay for MRTA in the life insurance. Let's say if anything happen to me, i'll still be covered by the insurance. So my family can use a part of the money to pay for the house, right?

But i'm wondering that if i put all the money into the life insurance, will they pay for all the illness or problem i face on my life ha? I heard they only payout for certain type of illness, right?

can anybody tell me why sometime i heard people said the regional share market is more aggresive than our local share market? what is the reason for all of this? is your share market being control by any party or...? can somebody give a brief explanation on it? THanks

can somebody brieftly tell us what the swisscash is about? maybe those involve can share some experience here... Thanks

Does getting the master in investment considered good ha? I rather finding those experienced people like SPM, Cert or Diploma graduated person to help me invest more than those unskilled master graduated student. Sometime, i said sometime you can see unlce aunty are far more knowledgabled and more experienced than those in the financial sector....
No hard feeling antok... just telling my opinion. If i were you, i think i rather involve in this business to experience and to practise more, rather than spending my time taking those program. But i do agree if you wanna get the master in order to enter bigger company or famous financial institution in the future as their financial analyst...

This post has been edited by ...PS...: Mar 16 2006, 07:17 PM