wow,...22% just in a few months


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Do's and Don'ts of Choosing a Unit Trust Fund

Do
•Decide which type of unit trust fund meets your saving needs.
•Shop around for a reliable unit trust company.
•Check whether investment limits and frequency of income payments are suitable.
•Check past performance records.

Don't
•Don't choose any unit trust fund just because its performance was good. Instead, make sure the fund meets your risk appetite and financial goals.
•Don't pay too much attention to short term performance as good consistent performance over all periods is the best lead.
•Don't decide on a unit trust fund simply because it has low charges. Strong management of the fund is far more important.
•Don't borrow to invest in unit trust unless you are absolutely aware of the risks involved.

http://www.publicmutual.com.my/Resources/U...ustLessons.aspx

you are new to Unit trust and yet you managed to buy 5 of these? may I know who recommended you bought those? (my personal thought about most of these funds are very specific focused funds...high risk high return things)

My previous PM UTC asked me a lot of questions and have to fill up some sort of suitability assessment quiz before I was recommended some UTs for my consideration.
may I suggest that you ask your UTC, while waiting for responses here. (maybe have to wait longer...there was a post#2902 had yet to be responded since 23 Apr).....

in the meantime try reading some of these if you want...
What Are The Three Rules Of Investing?
Choosing A Professional Fund Management Company : Why Can't I Do It Myself?
Selecting The Right Unit Trust - How Do I Find A Unit Trust That Fits My Objective?
Why Do I Have To Spend All That Time Reading A Prospectus?
http://www.publicmutual.com.my/Resources/U...ns/Lesson8.aspx

Do's and Don'ts of Choosing a Unit Trust Fund
http://www.publicmutual.com.my/Resources/U...ns/Lesson7.aspx

what should you expects from a UTC?
You should expect the UTC to deal with you in an open, honest and professional manner. The role of a UTC is to actively provide information during his “interview” with you and thereafter, on an ongoing basis to review your portfolio of unit trust investment as and when the economy or your personal circumstance changes. He should recommend portfolios that best suit your needs, personal circumstances and financial goals.
https://www.fimm.com.my/investor/faqs/

I am not a UTC...therefore not qualify to advise thus not a sifu too

This post has been edited by MUM: May 6 2015, 08:49 PM

noted...
just up to individual the believes what he wants to believes.
just like some believes that "historical evidence suggest that most fund managers underperformed the benchmark index over the long run" does not applies to some local funds.
because they believes some local funds are hitting their benchmarks frequently.....and are very happy with them already.

This post has been edited by MUM: May 11 2015, 07:55 PM

what is the number of years for long terms in your definition?

Ok...as I had mentioned earlier..it is for individual believes.
some believes that for funds that can gives an anualised return of > 10% for the last 10 years AFTER deducting all expenses and charges.....they are already happy with that.
(yes, past performance does not means further performance.....)

so if the other some that does not believes it is worth while.....then it is their believes too.

This post has been edited by MUM: May 11 2015, 09:12 PM

i think the some believe ROI is more important than benchmark or whatever it tracks.

but these quantified risk are managed and monitored by the fund manager....the some would just believes in seeing consistent impressive annualized ROI records.

This post has been edited by MUM: May 11 2015, 09:23 PM

no, i don't know....
would you please ?

as i believes these "return vs risk metrics" or any "technical terms used by the other some.....should be handled by the fund manager as they have the financial adviser and planner and BIG computers....
then i believes some would just be happy if the fund can give an annalised returns of > 10% for the past 10 years.

i believes if you want to participate in the discourse on fund investing....particularly your post in 2931.....then it is best to talk to the originator of that article....the website and contacts are there too......and not educating the masses here.

as i had said...some believes and are happy with that.

there are always 2 sides of a coin....
there are always 2 views on a half glass of water....

if want to debate about the point 3......you know where to get the contact of the originator of that article.

like you just mentioned.....why educating the masses here by debating?

This post has been edited by MUM: May 11 2015, 09:47 PM

.......so you believes too?

same over here too...
and i believes you are more brilliant....you know a lot about investing than most people...

This post has been edited by MUM: May 11 2015, 09:54 PM

I believes, those are analyzing tools that can helps in providing data to make "informed" decisions.
I believes, they "would/should" have been used by the FH or rating agencies....
I and some of us that whom are "just small retail investors" would just have to "believes" at the past performance track records, lipper rating, morning stars, fsm star rating, our own portfolio allocation needs and risk appetite in making the decision to buy or sell.
btw,...making "informed" decision may not mean "correct" decision.

wondering whether these analyzing tools had been established in 1999?
wondering what did the analyzing data compute about the DOT COM?
must be "positive" I think.....else most dot com funds would have bailed out..

in that post got links for more details/lessons