15-20% p.a.? Good luck, u gonna need it

Thanks for the feedback. Could you please suggest more realistic rate?

i would say, with yr stated portfolio...it would be rough estimate of about 6~7% p.a X 5 yrs = 35% BEST.
bcos...
invested RM 12500 x 7% = RM 875
in it, 40% FD at RM 5000 at 3.3% pa BEST (RM 165)
RM 875 - RM 165 = RM 710
60% UT at RM 7500 needed to generate RM 710 is about 9% average.
out of this 60%...26% of it (Cimb Islamic Enhanced sukuk) is historically generated about 5.3%p.a
26% of RM 7500 = RM 2000 is at 5.3%pa. = RM 106
RM 710 - RM 106 = RM 604 is to be generated by a returns from 34% UT (RM 5500) which would be about 10.6% pa

check out the historical performance trends of the other funds in yr intended portfolio to see how it goes.

BUT it can go both ways...past performance MAY not guarantee of future performance.

This post has been edited by yklooi: Apr 29 2014, 09:13 AM

Thanks for the guidance.

UT is a relatively passive investment.

I'd say, to be realistic, as long as your portfolio as a whole beats EPF returns, it's considered decent already.

Do you know you can grow your money from 100k to 1.6m?with the right strategy yes you can,pm me for more info on my portfolio.

Best regards,

Sam

same fler that's selling BS earlier - cherry picking data
https://forum.lowyat.net/topic/2601692/+1248

The risk is not in the markets but the companies... lots of complaints about claims not being honored.

Or you know, they could just sign up with fsm or eunittrust and pay a lot less in commissions

cimb UT ok? profitable?

Probably I should agree that. But 1 scenario always occurs. When all those speculations says the market are very hot with put money and take money statement, that's the time you should go away. If you notice, every moment just before market crash usually full of excellent news to lure in those citizen investor no matter on Business News, Magazine or even Newspaper. I don't know whether you guys play or heard about "JENGA" game before. To me, Stock Market no difference with this kind of game. The Rich People put some money 1st to create whenever stories or picture to let those small investor start pulling some stick to put it on top (meaning price are going higher and higher). So once the stick below are getting lesser and lesser, that means it is ready to collapse. What happen next? I think not need me to explain.

Probably you can have some entertainment and education on TVB DRAMA SERIES (The Money-Maker Recipes) back couple years ago by those Hongkies. It is just the same story in True Life Stock Market.

This post has been edited by tdoptions1689: May 3 2014, 02:32 PM

With your ROI, your should put 90% into equities UT. And hope next 5 years will be a bull market.

Bro.. Where can get 0% sc?

Thanks for the info

Eastspring Investments Small-Cap Fund also laosai

Hwang Select Asia (Ex Japan) Quantum Fund also laosai invest 1 year profit 0.91%

better buy stock

not sure going to continue 2k/month or take 2k/month go to stock

Now KLCI so interesting.. You say lei

If I were u, I will just put in not more than 3 unit trust.

I'm no expert, I think u better invest Equity based UT than Bond based UT