Guys, I made purchased some CIMB CWA unit trust some few months ago. (Dali growth I think- Islamic) but not sure wtf going on. I called the agent and she says the this kind of investment goes up or down, preferably to leave the investment at least 3 years to grow. Hase anyone tried this before? I just can't see any profits yet and cosidering to change to buy real gold bars instead.

Thanks for your response!

Unit trust is for long term investment, wait 3-5 years.

U sound more like a punter or trader, than an investor.
IF true, i think U should not buy most unit trusts and do what U really want to do - buy real gold bars instead.
However, note that whether U'll make a profit or not is still up in the air

Just invest in that DALI fund. Super strong fund in CWA.

Cant elaborate much, u need to contact her and ask everything.

If u are unhappy with her, look for other agent.

But please be happy with that DALI fund.

this is the main problem from investors, ask questions after commit.

open the prospecus and read..read...read n understand it.

invest based on your risk comfort.

Sharing My Own Experience:
I had made an investment in CIMB Dynamic Asia Capitall Protected July 2007 with min. investment of RM 25,000.
It a 3 year investment plan which link to a dynamic index comprising 3 Asian equity indices (from HK, Japan, Singapore) .

The Fund Objective: to provide investor with 100% capital protection at the end 3 years together with potential
investment returns that are higher than current FD rates (said up to 10% that time).

So I dig up my hard-ern money 25k put that investment Plan, hope for good returns of it
How much I get after 3 long year...when the fund MATURITY U never guess out the figure ...
They credit back RM25,005/(Capital+ Interest) to account in Dec 2010 ...Speechless
Rm 5.05 (Interest) even least than U put your money in FD for 1 year term

I am not said that they(CIMB) had cheated on me or World Economic Crisis / Slowdown 2007/8 happend that time
affected the market... or just unlucky me only

So, beware U do any Investment, we can't predict what happend next..

This post has been edited by fly126: Jul 23 2012, 07:40 PM

I have CIMB Principal Australian Equity Fund.

So far, still considered OK. >5% return since September 2011.

Hi guys ,thanks for all ur responses. Understand that all good things come to those who wait, just wished to learn more and make a profit. About to start to buy gold bar probably 10 grams first. Easier said than done, I suppose but these are my first stepping stone to investment .

THANKS SO MUCH ABOUT DALI CIMB, MADE ME FEEL BETTER ABOUT GIVING THEM HARD EARN MONEY. WILL CALL MY AGENT NEXT!

THANKS GUYS!

If you're referring to this fund: CIMB Islamic DALI Equity Growth Fund

http://www.cimb-principal.com/download/275...owth%20Fund.pdf

It has relatively good performance so far.

It's better that you approach your agent and request for fund review. What is your average unit cost and etc.

it will take some time for break even....... if fund price drop, ur value also wil drop too.

study again abt the fund objective and the involved risk. gv some time to the fund work for ur money. learn risk managemnt too. ask ur agent abt it.

3 years good return usually.

If pumped in last year, can get 15% more or less in return.

Quite ok for epf investment. Double than epf previous div.

There is no such thing of 3 years or x years must be good return, or not or to see the return.

Return of the fund depended market condition and performance of investing target of the fund committing.

Yea good.

Just my opinion and based on usual investment return with this fund. Dont know future what will happen.

But with good strategies, only few cents change also can make good return.

Rajin or not only.

but is it true....that even the yearly return is 15% , but if u didn't mange to sell so u still got nothing from ur UT investment?

is not like ASB , where is the bonus/dividen will be direct to ur account every year.

Give it time. Investing in unit trust makes you an investor, not a trader. As far as im concern, CIMB-I DALI that you invest in is the best. BTW there's going to be dividend of 5.45 on September 26. Plan with your agent on how to maximise your return.

Pretty high sales charge for a mutual fund, 6.5%, highest I've seen so far.

either in UT or in ASB, investor will get waht their C in the paper.

in UT, distribution will be poyout to investor or if distribution re-invest, will be direct to acc too.

ASB = total return = capital + dividedns/distribution.

UT total return = capital gain/lost + dividedns/distribution.

eitehr in ASB or UT, the total returns depends on the funds performance respectively.

Buy it via CIMB clicks for 1.8% sales charge only during offer time.

This post has been edited by gark: Aug 11 2012, 10:01 AM

agreed but ... as for ASB, all bonus /dividend will go direct to account every year. No need to sell.

as for UT, for example if the price increase to 20% in a year, so u need to sell first, before u can get the profit.
If u didn't sell, u got nothing except for distribution/unit split.