Please know that dividend in UT is not real cash. Is right pocket to left pocket.

To make you understand, think of EPF as your FD and amanah saham fixed price fund (those popular ones where you and sell at RM1/unit).

Returns or dividends generated by EPF is real cash.

But not UT/PRS. Why is that so? The answer is very simple. If they give you 3% worth if dividend, the NAV of the fund also drop by 3%. So you gain 3%, you lose 3%. Any nett gain?

Because if you let people withdraw early, people just withdraw where they like. How is money going to grow if you keep withdrawing?

As David 83 said to profit/earn is to through capital appreciation of the NAV. Please learn that dividend does not matter in unit trust.

Yes can. If like bear market, your amount will drop. But how much it drop depends on how much fear is in the market. A very good eg is like now. All the free unit bought using govt money is right now seating on (-) returns.

Just buy PRS for tax relief. Once tax relief habis in 2021 or earlier (depending whether current govt wants to continue it or not) don't need to buy anymore and just leave it.

Money put into PRS is still your money at the end of the day. Money paid for income tax is not your money anymore regardless of which govt you are supporting.

If don't feel comfortable, don't put money inside. Simple as that. I put it in for 2 reason
1) pay less income tax
2) is my money at the end of the day.

You can't know the real time price for it as that's how unit trust works. Total transaction for the day + trading fees (if the fund manager does trading) + exchange rate + gain or losses in underlying stocks will be calculated and price will available at the end of the day. Price is always delay. You want real time price, try ETF instead. If you want real time with unit trust, you can try guest the price by looking at the index as unit trust don't really go far from the index.

Doesn't matter to me. Govt stop tax relief, I stop buying. I am buying max RM3k/year. Simple as that.
PRS as it's zero percent service charge vs UT.
Of course if you have access to zero percent service charge unit trust, you have more options.

Er you do know ETF investing is always cheaper right? That's why you must buy a fund which can beat the ETF consistently.

FSM or eUT Malaysia. Both zero percent service charge.
Only RM8/year. If you don't topup, no charge. But wasted la. PRS money still your money at the end of the day. Income tax money paid is not your money
Avoid public bank. They may be one of the most popular but they are one of the worst in the market

You must know what you want to to buy. Don't simply buy because someone told you so. Read more about unit trust.
https://forum.lowyat.net/topic/4193169

Again choose what you are comfortable with.

You have to understand that unit trust is a basket of stocks which invest in stocks or bonds. To make profit from unit trust, your buying price have to be way lower than selling price.

Yup is the one.

Rm8/year for each fund you have. That's why just buy one PRS fund cukup.

No one's going to help you monitor. You yourself have to monitor. Besides what's there to monitor? Just dump inside until 2021. If after 2021 no more tax relief, no need to buy anymore.

So simple.

Ini certainly bagus

Please post here and depending on what you want. Geographical diversification or convectrated in Malaysia only. These are some of the stuff you must ask yourself.

Depends on what you want. Easier interface than FSM which I think only have class C.

Want long term cheaper by 0.1% then eUT class A. For me I went with FSM as already have account with them.
eUT for PMMMF only.

There are 2 ways to go about it.
Topup every month fixed amount of cash say RM200 regardless market condition.

Sit tight and wait for market to sell off before making a purchase.

Both way make sure you buy max Rm3k worth of units. Do not buy a sen more as PRS tax relief is up to Rm3k only/year.

For me is very easy.
Income tax money is not yours at the end of the day.
PRS money is yours at the end of the day.

Just hentam max RM3k/year inside. Don't hentam more. No point hentam more when tax relief max only Rm3k. Also who cares cannot utilise fully. See the above. You rather pay tax or pay yourself? I know what I will choose. That's why my RM3k is always ready for PRS.

Tax relief until 2021. If don't extend, don't put in anymore lo. Simple. If extend, just continue to put in.

This post has been edited by Ramjade: Dec 16 2018, 10:01 PM

Depends on what you want. If you can sit patient;y on cash, you will get better returns when you buy in bulk when market is downgoing.

You can say that as underlying stuff is still stocks which is subjected to market movement.

Learn to know why the funds fall.
Funds still hold stocks and bonds. So when general market drop, you can't expect fund to not drop also.

Also if you cannot tahan such drop, better to rethink your investment strategies (stick with FDs, Amanah Saham and EPF).

If you want to invest in unit trust be prepare for losses. Welcome to the real world.

Like I said you need to know why it fall. If you buy blindly then good luck in whatever you buy. You need to know what you are buying.

I bought the same one with you but I am +RM1xx. See the difference? It's about timing. You bought at a high price and there was a major sell down on the eve of Christmas. I lump sum in somewhere after the sell down so I am sitting on positive returns now. We bought the same stuff but essentially at different time. Kind of like shopping at Giant and Tesco. I shop my cooking oil when there's a sale (sell down happens). You did not wait for sales to happen. You bought at whatever price Tesco/Giant was selling.

Unit trust is essentially stock market but you are paying someone to do the buying and selling for you. Like I said please understand what you are buying.

If you cannot tahan such loss, best to stick to safe investment.

What will I do if a sell down happens again? I am prepared to buy again. Cash is already waiting for next buying opportunity. Why? Cause you only make money when you buy at low price and not a high price. Majority of people see high price keep chasing high price (aka cont buying at high price).

So at Eh end of the day, you yourself need to decide what are you going to do? Are you going to continue or you are going to give up? What happen if next fund you buy drop in price? Then you will say unit trust cheat people's money.

For me, I will continue but only when sales is happening. No sales, just seat quietly lo.

You must understand majority of the people cannot tahan to see their investment turn - ve and will lose conviction. So yeah a small drop like this will make them want to give up.

This post has been edited by Ramjade: Feb 13 2019, 09:59 PM

Just buy until 2021. After 2021, no more tax relief, no need to buy anymore. Problem settle.