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

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?

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!

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

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

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.

I've been hearing alot of about dividends....what are they anyway? What i know is that its something like basically giving you free shares or money for owning some of its shares. But does it matter much if a particular share gave high dividends but doesnt really appreciate much?

Another thing about trust funds/mutual funds is that they will charge you 5% for buying every unit. Which means if you were to invest let say 10k, you may already lose RM500 the moment u invest. And since funds move so slow, it might take a while just to recover back your RM500 that they charge...if you're lucky.

Vince, i got one question. You mention that for your investment to grow, you have to find a consultant that is capable to monitor your investment. So exactly who is this consultant? Isnt the fund manage by a team of fund managers? Are they the ones? Or do you mean the person in which you buy the funds from? In my case, just an RHB bank personnel...and the sad thing is, that particular personnel is no longer working with the bank too. So how ah?

Thanks so much. Such a samaritan.

I'll try to request for the investment ledger then.

Again thanks!

Diversify = Di"worse"sify

Robert Kiyosaki

Yeah, all these jargons very confusing. Blue chips, small caps, hedge fund, EMAS????

I read somewhere that dividends actually makes no difference in the end to your investment. I think it says that if they were to give you some bonus units, shares, etc, the price of the stocks/unit trust will decrease base on how much dividends that was given. So in the end, there is no increase in your investment. Is this true?

Oh btw, where can i find more info about ASW? And how can i invest in it? Seems like its quite a strong trust fund.

About dollar cost averaging, its basically spreading out your money that you want to invest into a period of time. So you will get more shares or units if the investment that you invest in goes down during that period of time. But what if the investment goes up? Wont you actually lose the shares that you would have got if you were to go in with a lump sum?

So arent the risk the same?

If i'm wrong please correct me cause i'm no expert.

One question, do you always go with what the advisors/brokers says or your own guts? This is a general question that is directed to all of you.

Personally, my experience with these people is that they dont really want to give you advice as they are afraid of giving the wrong information. Most of the time they just tell you that's its your decision and they arent's gonna say anything to affect that. So most of the time they are just afraid of being sued. If its possible that is. Not sure about malaysian laws regarding the presentation of information.

So on the one hand, its your money and ultimately your decision. On the other hand, you may not have the expertise needed compare to said advisors.

So guys, what do you'll think?