its 3% only... not 3.5%. agents commision lower than 3%.

why u need tis info?

is agent commision same for both direct investment and EPF investment?
just curious..

if u want RM700 or RM1000, or even RM100,000 a month, can also. just customize a good plan for u, depend on how much u can DDI in every month.

the RM500 per month is just a guideline for anyone that do DDI RM500.

If DDI 500 per month, how much could the person get 10 years later?

commision for cash higher thn epf commision since SC for cash is 5.5%.

expected compounded ror 5 -10%, u can calculate at http://www.thecalculatorsite.com/finance/c...tor.php#results

it may higher thn 10% if the funds perform well always.

if one time LUMP SUM(not DDI), are you able/confident a return of at least 1% per month??
eg 100k lump sum; return of 1k each month..
if yes, i interested..

I don't think anybody can be confident on this.. If they want your commission, they will say yes. But in the end if not achieve or lose money, they will say investment has risk.. So better do your judgement and believe only reasonable agents, not those that promise high returns.

There is NO guarantee in investments. If an agent can promise u things, u better ditch him/her.

er.. JonProperty, the moment i invest in ANY UT/mutual funds (excluding back load only UT), i lose at least 0.25% (bond funds).
For equity funds, i straight lose 3% upon investing, if via EPF.

In addition, PM's "good equity funds" average around 7%pa to 9%+pa CAGR based on 10 years' history
+ PM's "good bond funds" average around 5%+pa CAGR
NOTE: All these are EXCLUDING service charges

Thus, please enlighten us how:
"with right strategy, almost impossible to lose money in UT" + "6 years every month DDI RM500, on 7th year onwards can withdraw RM500 for next 20 years"
can be achieved via
DCA via DDI (ie. brain dead $500 pm into equity or equity+bond funds?)

To achieve those results, a CAGR of equal or more than 10.55%pa.
Are U are telling us that your secret strategy is:
a. DDI into PM's publicly sold funds (equity, balanced or bond funds)
b. can hit an average CAGR of 10.55%pa, which is above all the "good equity funds" track record of 10 years which EXCLUDES service charges
c. OR DDI into something ultra-secret of PM?

I understand U are stating that it has been done before and can be proved.
Would U be able to share the tracking data?
BTW, personally, how, how much and what do U invest in?

I'm just curious, my apologies if i sound disbelieving
Maybe i don't understand your "right strategy" via DDI and/or i don't know some secret combination of funds to do DDI. To me, DDI is simple DCA, which is just mindlessly plonking in same amount of $ no matter value is low or high. Thus, hitting 10.55%pa CAGR for 26 years is whoa..
I'm all ears to learn if U are willing to share details.

This post has been edited by wongmunkeong: Jun 10 2012, 10:18 AM

Hi guys, i am curious how you guys track your own investment portfolio? Using excel or using some softwares?

Yup, Excel for me - "free" and totally flexible.
Other folks leh?

Excel for me too...totally up to me to customise it for my needs...

1k = 1% per month? average 12% p.a?
capital gain? or income distribution?

may not posible for capital gain. market always volatile time to time.

income distributions, depends on FM.

so, the answers is, RETURNS ARE NOT GUARANTEE IN ANY INVESTMENT INCLUDING UT.

but if ur Q is around 5% p.a for income distribution. may posible in bond funds but again not guarantee too.

the expectation in UT is around average compounded total return 5 - 9% or the most 15% ( but very hard unless the fund perform super dooper in any market trend) over the time. take note, expectation only.

5% to 8% is good enuf-lah kawan.

my suggetion: study abt capital gain and income distributon and the involve risks in UT before make decision.

extra suggestion: invest rm100k lump sum in the current market situation in equity funds, is not a good idea.

better keep the liquid in monthly FD renewal.. when the time comes when u need the cash.. to hoot the market when its bleeding

I m investor in UT myself, and that 3% across 8-10 years, how much is it per year, vs what u will gain (8-25% + compounding interest)?
If anyone have that mindset of losing 3-5% when investing in equity fund, UT is not for you. Buy share.

Like i said before, i will not share it here. There are many competitors, will u share ur secret with competitor?
If i can prove that to you when meet up, prepare to do DDI will ya?

lump sum in UT may not be a good strategy. i seldom ask my client to do lump sum. risk is higher.
it is not buying share.

You didn't reply Violet's question if she can get interest of 1k per month if take the risk invest 100k lump sum...?

What is DDI .. ?

Since we're on the topic of return, I would like to ask let's say I have Fund A & B. A yields 5% return, B yields 7%

So to calculate total investment earnings, is it just to add both % together? Or it's calculated differently? Just a sudden thought.