a few type of stocks,
small cap - normaly penny stocks
middle cap - dividedns stocks,
big cap - dividends n growht stocks

http://pk31-tips.blogspot.com/2011/10/mark...on-matters.html



UT,
moderate - dividends n growht stocks, allocation for dividedns stock could more than others.
aggressive - dividedns stocks coluld be less than others.

the stocks holding can be found in reports.
http://www.publicmutual.com.my/OurProducts...tatementFS.aspx

eventhough both look similar in asselt allocation, but the investment objective is still diff. so, the holding stocks diff too.

PSF - long term capital appreciation, at the same time producing a reasonable level of income/dividedns.
PEF - capital growth through the aggressive selection of growth stocks from diversified economic sectors.


for ur portfolio, go to http://pk31-tips.blogspot.com/2011/09/how-...-portfolio.html

or, u can hv ur own formula for ur portfolio, its depends on ur risk tolerance.

1. yes, if u choose him as your agent in investmnt step 3. if u choose none, company will default as agent for u.

2. u need to get 1 introducer, n sit for exam. go to http://www.pk31-job.blogspot.com

- agents for guide/educated thier clients n also to take care their UT investment/portfolio.

go to http://www.pk31-job.blogspot.com

if u dont hv any agent, than u need to choose for none.

if u new to UT, it better to hv agent first.

UT is for medium to lng term.
the return depends on the fund performence.
if market down, most of the equity funds will down as well include PBGSQF.
no guarantee for the returns, UT investment with ur own RISK.
5.5% service charge is normal for equity funds.

funds like PSF, PRSF, PGF and other good funds have generated better returns compare with FD for the past 10 yrs. bear in mind, past performance is not indicative for future performance.

if u have enough money in FD as emegency, u can split ur RM100k, in BONDS fund some (service charge only 0.25%)and equity fund some.
and u still can split for equity fund as regular investment. not advicible to pump all the money at current market trend unless market revocer from very very bad. below 1000 CI.

or just leave the money in FD, later u can investment when the market stable.

educate your self abt UT first before decide to enter.

wow, like this also can-ah? where got?

service charge will be apllies for every transactions.

today I redeem my bond too.

abt 3 weeks back, I redeem my equity fund, got money before 10 days.

its ur money, and u must ask Q as more as u can until u get the clear picture.

THE MORE U ASK, THE MORE KNOWLEDGE U WILL GET.

UT like stock, buy cheap, sell high for profits, either u wait for really cheaper price or apply DDI to average the price.

if market down, the unit price will cheaper. when the market recover, the unit price will higher and u can make profits.

buy cheap, is not mean u can buy any funds. u must reasearch/analize/ the fund risk factor n the fund past performance.

RULE72: double the money in how many years. if the average return 8% = 72/8 = 9 yrs. that mean if the fund can generate average 8% annualy, can double the money in 9 yrs.

well ASB in this catogary.

private UT, u can keep between 5 -10%. if u r lucky can get more.

welcome to UTC world.

30K per annum still achievable.

10 epf sales, 1 case 1 month, each 3-5K, very easy to achieve.

did u attend the 101 and quikstart training? if not, attend this class n also cams/FP advisor class. very usefull for new comers like u.

wait for waht? just get it done. just go through the examples of exam paper. if u dont hv any, PM me at kparam77@yahoo.com. i will email it to u. 5 sets.

1. 1 day CUTE clss.
2. no, 1 UTMC only, if u want to move other UTMC, need to resign first current UTMC.

do div stock less volatile?

but dividedns stock still give div in any trend.

u still can concider to switch from PFES to moderate risk fund like dividends funds if u want dividedns every year.

or u can switch to those funds has less allocation in china.

PFES maybe not perform well currentlly, who knows it perform well in future.

decision is yours.

it could be those funds expose to foreign market.

if today is public holiday for malaysia, those funds with expose to foreign market (yesterday trading) will be update today. because those foreign exporsure funds will updte the price in the next day for malaysia time (if diff time zon).

ya its look weirs too, all the price should shows dated 25/11 .. if the last trading date for local and foreign.

FIMM’s Requirements for UTCs & CPD Points.

Computerized Unit Trust Examinations (CUTE)
Effective 1 Jan 2012, Candidates who wish to sit for the CUTE have to fulfill the following criteria as required by the Federation of Investment managers Malaysia (FIMM):
1) Must obtain credits in either BM, English or mandarin and Mathematics in SPM.
2) Passing mark for CUTE is raised to 75% instead of 60% to enhance competency and knowledge of UTC.
3) UTC who has left the industry for more than 3 years is required to re-sit and pass the CUTE.


Continuous Progressive Development (CPD)
All UTCs must obtain a total of 24 CPD points by December 2012. The 24 CPD points must be accumulated for a period of two years from 2011 to 2012. UTCs will be allowed to utilize any CPD points obtained in 2010 for meeting the total of 24 points required for 2011 and 2012. Thereafter, 16 points for each subsequent year.

UTC are urged to attend courses, seminars and workshops organized by the company to fulfill the CPD points, as well as enhance their financial and investment knowledge.

the latest balance units X latest price = profit/loss

u can ask ur agent to email u the latest stsment. u will know abt the profit/lost.
ur agent email u on oct, by the time now the price already diff, up or down.

is there any dividedns declared for ur bond fund before oct, if yes, sure the price will drp after the divididedn.
top up during lower price will give u more profit if the price appreciate. n also can average down ur buying price as per explain by deserkids.

buy cheap sell high for profits.

u better check again with ur agent.