oh... bit steep though.

hi, the amount of money you need to have in epf account 1 according to age is shown in the table below...if you have the amount on that very age you're able to take out 20% of the money to invest in unit trust...





the sales charge for epf investment is lower than cash investment which is around 3% only...so if you have that amount in your epf account better take out and invest in u.t...fyi, you cannot invest all the money in account 1 but 20% only...once your investment gain good profit and you decide to realize it the money will go back to your epf account...

This post has been edited by juloar: Jun 28 2014, 10:18 PM

true, but I am looking from a mid to long term investment perspective. As long as it gave me 10-15% per annum, I am okay with it. If you are looking for a short term investment, yes 6.5% is a lot to give. This is for my retirement.

sorry if this has been asked before
if i were to start investing in this particular trust
where should i head ?
any CIMB branches will do ?

hi Pewufod...

to start invest, u need to signed up the CWA agent,

FYI, i am attached with CWA, you may contact me too

my number is 0196323037 - Fara

Thank you

Hi Fara. Want to ask u something regarding the returns for DALI.
i heard since 1998 till 2014 (16 years), the total returns is a bout 502%. if divided into 16yrs. thats mean the returns per annum is about 31%.

The thing is, i dont understand much what is the meaning of this 31% return p.a.
is it t the rate of dividend or cpital gain/loss + dividend?

Hi, since I am a CWA consultant also I'll chip in what I know. The return per annum of 31% is an average of cumulative returns for 16 years, not the average of capital gain + dividend per year. The longer you save the more cumulative returns you would get because of compounding interest mechanic. For each year returns the average would be around 10 - 15%, but on a good year it can go as high as almost 40% as what happen in 2009.

Hope this helps!

Hi Shaz,

Unfortunately, that calculation is way out... Because of compounding returns, when you back calculate, you can't just take the returns and divide by the number of years.

Taking your example, if the total returns is 502% for 16 years, it means that the annualized return is 10.6%
- in this example u invest 10k and in 16 years u have 50.2k, U made 402% and the total return including capital is 502%



A quick search on DALI here shows that the fund started on 2011-06-30 and has a 5 year annualized return performance of 15.42%, which is pretty decent.

Want to know more about CIMB Principal Unit Trust, you may email me at shidi2001@yahoo.com or whatsapps me at 0123021871

Double Up Your EPF Return, (10-15% P.A) & Double Up Your Monthly Income With Us!
CIMB DALI EQUITY GROWTH FUND is the best currently. Mid Risk.

Isn't it at peak prices now, too late to buy?

Hi, I am interested to be a CWA Consultant. Could you pm/advise on what I should do please?

there is no such thing as peak price. no one can predict how high or how low it can go, and so far every year it has been going up despite what everyone says.

sure, i'll PM ya.

Maybe yes, no such thing as ONE peak but can be near one of the MANY periodic peaks (thus, also near a drop)?

The sales professionals may see it one way but we laymen buyers are looking at:

http://blogsahambaru.wordpress.com/2011/03...ty-growth-fund/

and trying to understand the sales pitch.

Wow!

Saya dah melabur dalam CWA lebih 5 tahun dan kesimpulan yang boleh saya buat ialah indah khabar dari rupa. Title wealth advisor tu baik tukar kepada “Tukang ambil Signature jer”. most agents yang saya kenal cuma nak kejar transactions sebab dapat 2% commission. They always told that the return is high but they didnt tell that the only way to get the return investment is by selling unit that you bought. Instead, they tell you to buy more. And bila kah masa yang sesuai untuk beli? mereka akan cakap masa harga unit turun, tapi bila dah sign document, diorang redah je beli at anytime they want. because of the transactions and commissions. Bila harga tiba2 turun, diorang akan cakap diorang pon tak expect benda tu turun, but another good time to buy more…

i would like to meet a different kind of agent yang betul2 boleh gandakan pelaburan dalam account saya. buat masa ni, 5 tahun pelaburan tak balik untung lansung kalau dibanding kan dengan membiarkan duit itu dalam account kwsp sendiri. (and yes, disebabkan faktor jumlah pelaburan yang dimasukkan dan waktu pembelian unit). Saya juga mencari agent yang betul2 boleh explain kenapa trending unit naik turun. bukan jumpa setahun sekali cerita bonus and mintak sign je.

kalau ada mana2 agent yang sanggup terima cabaran saya dan boleh buat saya kagum dengan perkhidmatan wealth advisor nya, at any time saya sanggup tukar ke agent tersebut. bole email saya at neoollz@gmail.com

Pelaburan saya tidak besar mana tetapi saya rasa saya layak dapat perkhidmatan runding cara yang lebih baik sebab 2% of every transaction boleh dikatakan banyak untuk perjumpaan sekali dua dalam setahun (4 x transactions in a year, tapi CWA WA jumpa sekali dua je..)

Gunalah fsm. Tak perlu bergantung pada agent. Tak perlu memberi mereka percutian percuma, tak perlu memberi mereka rumah baru.

Boss, if u don't sell, all your profit is in paper only...of course if no sell won't be able to TASTE the profit...

Lagipun, past 1 year, market is bad. Profits are wiped out. That is market risk, no one can avoid that.

Gandakan pelaburan? If possible, that agent also no need to be agent already, pinjam along sendiri melabur lagi baik...

U invest in property, u might have bad tenant, rosakkan rumah, tak bayar sewa, takmau pindah...
U invest in gold...see what happened to gold price now?

Apa tu pelaburan? Pelaburan ada risiko...u ingat 100% sure profit?

Leave inside EPF...yes u have 5-6% every year.

Why do u take out from EPF? U wanna have MORE profit. There is no free lunch. U want POTENTIALLY more profit, u have to accept that there'd be risks.

Don't want risk? Diam-diam ambik je dividen EPF every year...

This post has been edited by Pink Spider: Sep 9 2015, 10:55 AM

so true, so direct to the point.
but it just make me want to (just to release steam)
thanks for the point blank shot to the brain.

Agents earn your commission from the sales charges

Yes, they can TELL u about the wonderful past profits. But do they PROMISE u that the future will be the same or even better? I doubt so. No responsible agent will PROMISE u profits.

Let's say a fund earned about 5% p.a. on average for the past 5 years.

If that fund earned 10% (i.e. 5% excess from past average) in this year, will u share that 5% excess with the agent? Won't right?

As such, when u lose money, don't curse the agent or even the fund manager. YOU HAVE NO RIGHT TO DO SO. Period.

This post has been edited by Pink Spider: Sep 9 2015, 11:20 AM