oh, my bad. now i get it. u scared doing it by urself, without any guide/help. huhu. i think we can ask opinion from agent and compare or ask here. hmm, me too just learning about this investment thing...

hehe...so far u re doing it by urself?

right now i nly have one PM fund. thinking of opening another one, and maybe one more next year using epf. before this i rely on my agent, but i think i shud try to manage/control it myself. cant trust agent 100%, shud have other opinions too. huhu

You should be more afraid of investing through an agent as you add on another risk factor.

One can never be too sure as the agent will have his/her own interests as well. I'd rather eliminate that risk and invest using my own judgement derived from my own due diligence.

When I started investing, I had an advisor as well. However, I was too naive and listened to him blindly. In the end, I ended up paying too much for underperformance and I found out that he was pushing only funds from 1 company because he gets a fatter commission. From then on, I swore never to go through any advisor unless he/she gets paid by the hour and not by commission or size of trades.

Now I'm saving upfront already by doing my own due diligence and balance my own portfolio quarterly. This will reduce my costs and increase my investment knowledge and experience.

Going back to the 5.5% sales charge, I'd pass on Public Mutual for the time being. I'm with DWS mainly and I pay only 2 - 2.5% sales charge on equity funds if I invest monthly and the performance is comparable to PM.

that is true. Agent could have their own agenda. Thats why we have to check or ask others for a second opinion.
The 5.5% sale's charge is killing me too. Huhu. Sometimes, i'm thinking of becoming an agent just to lower the sale's charge.
Btw bro, what is DWS?

same question here, and how to start and the minimum amount?

you can read back some of the thread here and learn to understand UT. very simple once you get used to it you will invest on your own, instead of agent advise sometimes an agent will misguide and provided you wrong info and believe me once you understand UT investment and have more knowledge of it than you will do it all by your own. you every venture into investment or business start with the very first step, you have to make your first move.

FSM got no agent but they've got very good Client Help and Client Investment Specialists to guide u thru, do give them a call or write e-mail to them to ask for more info.

perhaps you should register an account here tom_87 you can enjoy low sale charge and get UT knowledge thru CIS

thanx to all sifus...really helped me a lot...

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Added on December 11, 2012, 8:42 pmthanx to all sifus...really helped me a lot...

This post has been edited by tom_87: Dec 11 2012, 08:42 PM

I m also learn from sifoo around LYN, and most importantly you need practical without practically expose to it you wouldn't learn much from it.

ya bro...tried it on forex before...but the main problem was the emotion...huhu

It's DWS investments. It is the funds management arm of Deutsche Bank. I get discounts as I'm a customer of their discount brokerage account. I'm not sure if Malaysian residents have access to this from Malaysia.

Investments can start from as low as EUR50.

I see....for us to get it i guess....it would be no chance or on a very high initial deposit....huhu

you already invest in forex? what emotion problem ?
Forex higher risk then stock market, you better start from FD / UT lower risk and once you accumulate more enough RM you may get some blue chip.

What is blue chip bro? Mind explaining to me? Forex was only a fail try...but i really like it....but to learn new stuff like UT...im really afraid i cant cope...huhu

Blue chip from my understandings are those companies listed in e main board. Dont know from Forexers POV.

UT is an easy investment scheme. Manageable risk and no need to worry much. U can learn it easy if u really into it.

Im not a finance or investment or accountant background person, but i can understand how it works. U just need to understand the UT concept and you need a lots of patience. If u want to skip UT and straight jump into shares, a bit funny though because UT much more easy instrument.

Do you mean if we have account on fsm, we can buy UT with lower sale charge? now for PM, sale charge is 5.5%. so if i reg fsm, i can buy at lower sale charge? if so, its very good for us investor!

FSM SC range from 0% to max 2%

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Added on December 12, 2012, 9:11 amblue chip means "big" listed companies with stable and strong business e.g. TNB, Maybank, Public Bank, Genting, BAT etc

This post has been edited by Pink Spider: Dec 12 2012, 09:11 AM

You may refer to the 30 component stocks as listed in FTSE Bursa Malaysia KLCI. Blue chip stock listing:

1. AMMB (1015) – AMMB Holdings Berhad
2. AXIATA (6888) – Axiata Group Berhad (formerly known as TM International Berhad)
3. BAT (4162) – British American Tobacco (Malaysia) Berhad
4. CIMB (1023) – CIMB Group Holdings Berhad
5. DIGI (6947) – DiGi.Com Berhad
6. GAMUDA (5398) – Gamuda Berhad
7. GENM (4715) – Genting Malaysia Berhad
8. GENTING (3182) – Genting Berhad
9. HLBANK (5819) – Hong Leong Bank Berhad
10. HLFG (1082) – Hong Leong Financial Group Berhad
11. IOICORP (1961) – IOI Corporation Berhad
12. KLK (2445) – Kuala Lumpur Kepong Berhad
13. MAS (3786) – Malaysian Airline System Berhad
14. MAXIS (6012) – Maxis Berhad
15. MAYBANK (1155) – Malayan Banking Berhad
16. MISC (3816) – MISC Berhad
17. MMCCORP (2194) – MMC Corporation Berhad
18. PBBANK (1295) – Public Bank Berhad
19. PCHEM (5183) – Petronas Chemicals Group Berhad
20. PETDAG (5681) – Petronas Dagangan Berhad
21. PETGAS (6033) – Petronas Gas Berhad
22. PLUS (5052) – PLUS Expressways Berhad
23. PPB (4065) – PPB Group Berhad
24. RHBCAP (1066) – RHB Capital Berhad
25. SIME (4197) – Sime Darby Berhad
26. TENAGA (5347) – Tenaga Nasional Berhad
27. TM (4863) – Telekom Malaysia Berhad
28. UMW (4588) – UMW Holdings Berhad
29. YTL (4677) – YTL Corporation Berhad
30. YTLPOWR (6742) – YTL Power International Berhad