you are in this fund thread, guess you would wabt to invest your epf and extrs money in unit trust...

Where should I start and what should I read before getting in this game?

try start with this if you like...it can be a good starting point.
http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

then click at the links (at the bottom of each article) to learn more.

or if got time read what had been posted in lyn. (start with page 1 for most of the important info are there)
https://forum.lowyat.net/topic/2601692
https://forum.lowyat.net/topic/2064127
https://forum.lowyat.net/topic/2466037
https://forum.lowyat.net/topic/3011236

not necessarily must start big.....start with monies that "can" be lost, start young, do regular investment, give your investment more time in the market than timing the market and once in a while review you holdings.

This post has been edited by yklooi: Feb 3 2014, 12:35 PM

Have you heard about Kijani Commodity Fund based in Mauritius? I started a thread on this here so would appreciate feedback:

https://forum.lowyat.net/topic/3120728

Just sharing:
Franklin Templeton Malaysia is in MY (er.. i may be late to the game, this is news to me )
http://www.franklintempleton.my/en_MY/institutional/home

Haha! Dealt with them awhile back.

Hi TakoC,

If U know, can share how's Templeton's charges (service charge, switching and back load) and requirements (amount needed to open, top up, etc.)?

Their website has no details - i've just emailed them early morning and hehe opportunity struck (U posting U've dealt before with them awhile back)

Who knows FTIM might be on FSM platform soon

Wow a window of opportunity to invest through world market using their specialty? Nice...

Just thought some investors here may be interested in this:
Credit Suisse Global Investment Returns Yearbook 2014
https://publications.credit-suisse.com/task...1CE20B5D14A7818

is investing in bond risk free?

some of the risks scripted here
http://www.fundsupermart.com.my/main/schoo...s.svdo?PageID=3

Bond got risk too. Not Risk Free.

Looks like many sifus here. I guess there's no right or wrong. Investment is either fun or boring.

What do you all think about this Great Eastern Takaful Product?

Great Eastern Takaful I-Great Abadi

From what I understand there is 3 type of fund/dana:

1) Dana i-Makmur
- this fund invest in fixed income securities (i.e Bonds)

2) Dana i-Mekar
- this fund invest in equities. the fund is invested mainly in Malaysia (80% – 100%), it may partially be invested in Singapore (up to 25%) and Hong Kong (up to 25%), if and when necessary, to enhance the fund’s returns.

3) Dana i-Majmuk
- fund which is invested in a mixture of equities, fixed income securities and money market instruments. fund may be invested solely in fixed income securities or equities.

Any comment ?

There are 2 mai risks to bond fund investment:

1) failure of issuer to service the bond. This means the issuer can't pay what has been promised (and usually will go bankrupt)

2) rise in the base lending rate. This would make other assets more attractive (such as fixed deposits) and so will result in a lower value of your bond. It affects the price of the bond.

You can reduce the risk of 1) by buying into unit trust that only invests in high quality bonds with good credit ratings (as rated by a rating agency like Moody or MARC).

Reduce risk of 2 by investing in unit trust that is linked with the interest rate, or watching any changes in price or yield.

At the moment Malaysia is in a low interest rate environment, so bonds seem quite attractive. However there is the risk of the interest rate going up in the future to fight inflation.

I would recommend an equity unit trust with consistent dividends, if you only want consume the interest and not touch the capital, as most equity unit trust have dividend yields equal or greater than bonds. however there is the risk of losing capital if the market crashes.

A good agent is important.

Benefits of investing in unit trust

1. Diversification
2. Minimal Risk
3. Liquidity
4. Affordability
5. Professional management
6. Another good option of saving.

pm me for more info bro.

1. yes
2. Big lie
3. yes
4. not really
5. depends
6. different from savings

Agree with your comments.

Just want to add to item (5) that this professional managements charge an annual fee even when the fund is loosing money! That is the main reason why I am staying away from UT. Yes, they need to make a living BUT not when their performance is questionable.

My 3 cents.

i think no2 should be

diversified risk