I can understand, cause u never see such case. It is already proven and fact, someone already benefit out of this, real case. Nothing to debate over with proven fact. What is not possible?

What's market index in 2002, vs now? and where will it be in next 10 years? There's no need analysis certificate to plot the graph. Is that guarantee? No, but high chance to get it there (say, 3000 index)? If u don't believe it, do u have data to prove otherwise?

Do u believe unit trust will beat the share market? Not all, but there are some, do very well. We can't predict the future but we have enough data to give us confidence that we should be "there" when the times come.

Inflation is our biggest enemy. Today u buy nasi lemak RM3. in next 8-10 years u buy at RM6.

Ultimate objective is to beat inflation, and get some good profit in return. I can show real case, already did it, want to find out more? let's meet up and have some good discussion over a cup of coffee. The ultimate winner are those who know what they are getting into, take action now, the earlier, the better.

Btw, this is not share market investment. It is long term, 5-10 years. u don't wait for red to buy. Anytime is a good time.
For unit trust, with the right strategy implemented and right fund to invest in, it will be almost impossible to lose money.

Yes biz as usual, i get commission, not much though. But who win in long term? have a broader view.

Hold on to your cash = victim to inflation. That's easy choice. Make good use of your money, do some investment, not just unit trust but many other investment that u can beat inflation. The more you hold on, the longer you hold on, ur money will get smaller and smaller. Read some books, "rich dad poor dad" will give u a good idea on two different world of thinking.

agree.

bond is stable, low risk, normally generate better interest than FD. It can be serve as temporary parking place of your money.

Equity fund is where u get ur good returns...General term from 8%-20%....

Generally most of the "rich ppl out there", have both bond and equity fund. When market down, they use bond to buy low price fund, when market is up, the profit from equity fund will transfer to bond. Hence, the rich get richer.

Normally a new investor won't invest in bond unless u have plenty of spare cash that u don't know what to do about it... heh.

public mutual have a few very steady growth fund with very good return.

5.5 vs 2, is a small different considering u r looking it in 5-10 or even more yrs of investment. For short term, we don't even look at UT at all, better buy share.

I believe PM charge the highest SC compare to others in the market.

the outstanding record PM has, even they charge 5.5, still make them no1 UT in malaysia, and mss still growing. There are reason why many ppl choose them, and they have some really great track record funds that ppl have lots of confidence in. Even KWSP invest huge amount of our hard earn money with them.


This post has been edited by jonproperty: Jun 4 2012, 01:34 AM

aiyoo... EPF give u how many % again?

Kemana Wang Saya Pergi (KWSP)....

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Added on June 4, 2012, 3:35 pmhttp://www.publicmutual.com.my/AboutUs/OurTrackRecord.aspx



This post has been edited by jonproperty: Jun 4 2012, 03:35 PM

mostly employee whether government or private, will contribute to EPF (no choice, force too), but not the boss.. hahah... the wealthy and very rich, normally they have their investment in place where return are much higher. Different world of thinking.

sharing only..

i only advise my client to exist at minimum 10 years time. If possible, exist only when u need money or use it for retirement. let the compound interest grow. that's the power of UT. the longer u keep, the richer u r.

to entry it's plain simple. Set a target, i will let u know the gap u have to ur target vs what u plan to invest in, have common understanding of your goal, invest with either EPF or lum sum, or DDI depend on ur financial capability. anytime is a good time.

U don't know the power of compounded interest? google it.

invest smartly.. with right strategy, almost impossible to lose money in UT. r u losing money? let me know ur profile and i make u earn money for next 10 years? is that a deal? win-win.

invest 6 years with every month DDI RM500 ringgit, on 7th years u can withdraw RM500 for next 20 years. No joke, i show u the fact. Result speak thousand word. Detail investment secret? when we meet up, i share with u.

like some told me they invest in property, said lose money, but many other investor, earn money. Depend on where u invest, how u invest, and what strategy u have.

This post has been edited by jonproperty: Jun 5 2012, 08:58 PM

mois, agree that's for no brainer.
a good investor will have bond and equity.
whenever market is down or up, they earn either way.

yes, why not?
It is recommended to have bond and equity.

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.

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.

yes u need to approach an agent, or go to any public mutual branch.
they have full time agent there.

tell the agent what u want in next 10-20 years.
and when the agent tell u to invest in certain fund, make sure u study the historical record of the fund itself. if u r not aggressive investor, moderate fund is the way to go. choose those funds which already mature (10 or more years), they are more steady (safe) in most cases.

talking about Next GE

if BN win, will market up or down?

buy when it goes down.

fund manager think too much?!

suggest move to psf, or prsf.
far east / china will take a long time to recover, unless u want to wait.

suggest invest in mature fund, where u get dividend.