Question:

What are the important points to look for in a unit trust annual/interim report and how should they be interpreted?

So far I can only find this blog https://limkimtong.wordpress.com/2007/02/28...nancial-tip-35/ which gives a fairly decent explanation. Is there anything else that was left out?

I was shown this UOB PRUValue Gain endowment plan and asked for advice. I know that this type of insurance endowment plans are typically not recommended. I haven't been keeping up with local investment plans/unit trusts so I'd like to ask for advice on any investment funds which will be better than this.

https://www.uob.com.my/personal/insure/sing...value-gain.page

I should've stated clearly, not interested in an insurance product. Want recommendations on investment products instead.

** They have few type of fund ,the above applies to type of fund with minimum investment of USD 100k , Not applicable to type of fund with minimum investment of USD25k & 10k

There are 2 type of funds with minimum investment of USD 10k & 25k ,subscription fee is 1% & redemption fee is 0.5% . If you need more details, kindly pm me ...

RHB Big Cap investment fund now not good?

Should i sell it ? Or waiting until new year to see the trend?

1. 29% from overall
2. Not really.
3. Around 27%
4. & 5. : Nope

Hi everyone new to this forum!

I've been using both unit trusts and robos for a few years. Any reason why most OGs still opt for unit trusts rather than roboadvisors? sorry if noob question

Mind to share which SA portfolio maintained at 40++% ? TQ

Thanks for your feedback ... u mean it’s the return since inception ?

Hi I am fairly new in investment, only invest in unit trust before but didn't really know much.

Now i am thinking to invest in another unit trust. I have some general question:

1. I see generally unit trust return around 5-10% ? what is the minimum year investment lock for?
Unit trust investments are subject to investment risks, including the possible loss of the principal amount invested.
Past performance is not indicative of future performance.
The value of the unit trusts and the income from them may fall as well as rise.
Thus there is no guaranteed that it can be 5~10% every year.....at times it can go into BIG negatives too (like 50% off from your purchased NAV price)

2. Previously my unit trust were paid monthly a X amount, is all unit trust has these option or must be 1 lump sum investment?
YES, there are monthly dividend distributing unit trust funds.
NO, not all unit trust has this monthly dividend distributing option.
Some only do it once a year and some also did not distribute dividend
btw, in unit trust investing, the dividend distribution does not make the $$ value you have inside it to be more. There is no variance of the $$ you have BEFORE or AFTER dividend distribution process.
For,  When a unit split/distribution is declared, the NAV per unit will be reduced from pre-unit split NAV/cum-distribution NAV to post-unit split NAV/ex-distribution NAV.
there is a minimum amount of money you need to buy initially (lumpsum of that initial amount)


3. I'm told by my friend stashway is also good to consider, anyone can share more thoughts against other unittrust?
There is a Stashaway thread in LYN...you can try follow/read/explore from there...
StashAway Malaysia, Multi-Region ETF at your fingertips!
https://forum.lowyat.net/topic/4750563

Lastly love to have some suggestion which unit trust to consider, I'm looking at no more than 5years investment. or if there is any other investment you would suggest, looking for low to medium risk and doesn't require extensive monitoring.
i would suggest you think of it this way,......which unit trust funds you would consider that allows you to accept possible XX% pa of losses and when this losses happens; it will not have impact your emotional well being, impact your work/family life.  and you will not quit/sell off? (in short, what amount of % of losses you will accepts before calling it quits?)
How many % of ROI will you want to try to make at the end of that 5 years?

Thanks for the reply… what are some of the unit trust that are doing fairly good currently? On the loss honestly off course prefer no lost at least breakeven..not a gambler hence wont go for those high risk one…i prolly will hold for a max a yr for it to go back up?
Unit trust investing will be subjected to risk of losses even for Fixed income funds,...unless you select those money market funds or extremely low risk type of Fixed income funds

For stashaway the thread mostly talk about stashaway alone not comparing with other.. i want to know how it is different with other unit trust?
Stashaway is investing in ETFs while Unit trust is investing in Stocks
Stashaway is like FSM managed portfolio....both is whre you let them do the managing, selections or changing of the portfolio composition....you got no say in what or how much you want to allocate

For the monthly question was not about dividen but the payment for the investment in unit trust is there type when u can pay monthly and accumulate or it has to pay one lumpsum type?
there are Regular Saving Plan (RSP) in FSM
check out the FAQs on Regular Savings Plan - RSP
https://www.fsmone.com.my/support/frequentl...routeFaqId=7075

Akru's highest risk portfolio beat 90% of locally managed global unit trust funds in 2021. See www.akrunow.com/articles/perfromance-report-december-2021 and Julian Ng's latest Facebook page post at m.facebook.com/story.php?story_fbid=10158532442872671&id=534737670
Start now with Akrunow.com. Please use the PASSIVE20 promo code so that Akru can give you a RM20 top up as a token of appreciation.

The portfolio mix is as follows:
S&P500                    57%
Ex-US Equity      40%
US & International Bond      3%
Per Akru Performance Report www.akrunow.com/articles/perfromance-report-december-2021, it was 22.8% in 2021 for P10 (highest risk portfolio)

In Jan 2022, Akru P10 down ~3.8% (vs S&P500 -5.2%). How do the Global UT funds do in 2021 and Jan 2022?

Hi, may I know if you joined this investment thingy? If yes, is it leggit or a scam?

Hi, would like to ask for sifus opinion.

A family member would like to apply for a long-term savings and investment plan (it's legit, 12m x 5y w/ 20 year maturity) in my name with payments fully made by them. It's a nice gesture, but since it's being made in my name I would like to know what is the worst case scenario that could happen?

e.g.
1) Payment is not made on time - any impact on my CCRIS?
2) Payment is not made on time - will I be hounded by payment reminders?
3) And anything else that could happen?

Okays that sounds reasonable to me. Will take note on your advice on maintaining continuous payment.

Have a friend who introduced me to the MCIS titan fund. Anyone have any experience/knowledge about it?

It seems its performing quite well, with returns from 14-20% yearly.