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 Fund Investment Corner v3, Funds101

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T231H
post Aug 14 2015, 02:08 PM

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QUOTE(familyfirst @ Aug 14 2015, 01:57 PM)
Just want to know how long generally people invest in unit trust funds?  1 yr, 3 yrs, 5 yrs or longer?  Anyone still keeping it after 10 yrs?  Does keeping it longer really bring more value?
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hmm.gif it depends on what you are holdings.....


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SUSPink Spider
post Aug 14 2015, 03:14 PM

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QUOTE(T231H @ Aug 14 2015, 02:08 PM)
hmm.gif it depends on what you are holdings.....
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merahnya tongue.gif
nexona88
post Aug 14 2015, 04:20 PM

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normally 3 years, but it's depend on situation also..

if market is bad, u cannot expect the fund to perform well.. sure there's losses..
adam1122
post Aug 14 2015, 08:06 PM

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QUOTE(T231H @ Aug 14 2015, 02:08 PM)
hmm.gif it depends on what you are holdings.....
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If you bought a mutual fund for a period of ten years but have just started for like 1 week, which category are you going to look at? 1 week or ten years? icon_question.gif
T231H
post Aug 14 2015, 08:54 PM

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QUOTE(adam1122 @ Aug 14 2015, 08:06 PM)
If you bought a mutual fund for a period of ten years but have just started for like 1 week, which category are you going to look at? 1 week or ten years?  icon_question.gif
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hmm.gif Pls elobarate...don't quite understand your question....
"If you bought a mutual fund for a period of ten years but have just started for like 1 week, which category are you going to look at? 1 week or ten years?"
bought mutual fund for a period of 10 years but have just started for like 1 week? rclxub.gif
adam1122
post Aug 14 2015, 09:09 PM

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QUOTE(T231H @ Aug 14 2015, 08:54 PM)
hmm.gif Pls elobarate...don't quite understand your question....
"If you bought a mutual fund for a period of ten years but have just started for like 1 week, which category are you going to look at? 1 week or ten years?"
bought mutual fund for a period of 10 years but have just started for like 1 week?  rclxub.gif
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LOL, it means if I bought a ten-years mutual fund just 1 week ago, which category should I look at? laugh.gif
Sorry if I had not made the statement any clearer! laugh.gif
T231H
post Aug 14 2015, 09:30 PM

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QUOTE(adam1122 @ Aug 14 2015, 09:09 PM)
LOL, it means if I bought a ten-years mutual fund just 1 week ago, which category should I look at? laugh.gif
Sorry if I had not made the statement any clearer! laugh.gif
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if you had just bought it last week, I guess is don't look at it for the next 3 years....
let the Fund manager do their works.....
unless you had bought the fund that had risk rating higher than what you actually can take

This post has been edited by T231H: Aug 14 2015, 09:35 PM
wil-i-am
post Aug 14 2015, 10:31 PM

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The duration of investment in UT depends on category of Fund
If MMF, daily or weekly or monthly
If EF, 3 yrs n above
familyfirst
post Aug 15 2015, 10:18 AM

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Mine is close to 5 yrs. Profitable till the past 1 year going down. Shall I cut losses?
SUSPink Spider
post Aug 15 2015, 10:22 AM

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QUOTE(familyfirst @ Aug 15 2015, 10:18 AM)
Mine is close to 5 yrs.  Profitable till the past 1 year going down.  Shall I cut losses?
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As long as in the long term (>5 years) your average annual profit can match EPF dividend, your unit trust investment is doing okay.
familyfirst
post Aug 15 2015, 10:45 AM

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QUOTE(Pink Spider @ Aug 15 2015, 10:22 AM)
As long as in the long term (>5 years) your average annual profit can match EPF dividend, your unit trust investment is doing okay.
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What about the next 3-5 yrs? Sure going down. Shall I keep it or sell it off now?
darkknight81
post Aug 15 2015, 03:06 PM

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Plan to invest via my EPF account one. How much is the charges
wil-i-am
post Aug 15 2015, 04:59 PM

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QUOTE(darkknight81 @ Aug 15 2015, 03:06 PM)
Plan to invest  via my EPF account one. How much is the charges
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3%
darkknight81
post Aug 15 2015, 05:28 PM

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QUOTE(wil-i-am @ Aug 15 2015, 05:59 PM)
3%
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Wow that is high comparing with share investment.
Any dividend fund to recommend?
SUSPink Spider
post Aug 15 2015, 05:51 PM

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QUOTE(darkknight81 @ Aug 15 2015, 05:28 PM)
Wow that is high comparing with share investment. 
Any dividend fund to recommend?
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I know you're a Stock Exchange veteran, but MAYBE you don't know that much about unit trusts and dividend in the context of unit trust funds...

If u mean funds that regularly pays dividends/declares distributions...perhaps you should learn the fact that dividends/distributions in the context of unit trusts are merely left hand go right hand/cuts your mooncake into smaller portions

If u mean equity funds that invests in DIVIDEND STOCKS, ok, you can treat as if you've not read the above bullsh*t biggrin.gif

I suggest u look at:
Affin Hwang Select Dividend Fund
AMB Dividend Trust Fund
AmTotal Return
Eastspring Investments Equity Income Fund

I personally would prefer the Affin Hwang or the AMB one, cos they can invest up to 30% offshore, the others are 100% Bolehland wink.gif
nexona88
post Aug 15 2015, 05:56 PM

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Stock trading getting too volatile & pose some risk thus some are "moving" or looking at UT as alternative investment sweat.gif
darkknight81
post Aug 15 2015, 06:11 PM

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QUOTE(Pink Spider @ Aug 15 2015, 06:51 PM)
I know you're a Stock Exchange veteran, but MAYBE you don't know that much about unit trusts and dividend in the context of unit trust funds...

If u mean funds that regularly pays dividends/declares distributions...perhaps you should learn the fact that dividends/distributions in the context of unit trusts are merely left hand go right hand/cuts your mooncake into smaller portions

If u mean equity funds that invests in DIVIDEND STOCKS, ok, you can treat as if you've not read the above bullsh*t biggrin.gif

I suggest u look at:
Affin Hwang Select Dividend Fund
AMB Dividend Trust Fund
AmTotal Return
Eastspring Investments Equity Income Fund

I personally would prefer the Affin Hwang or the AMB one, cos they can invest up to 30% offshore, the others are 100% Bolehland wink.gif
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Thanks Bro. Any way to get a lower charges?
3% a little bit high

ahbenchai
post Aug 15 2015, 06:26 PM

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hi all,

i have been saving up my salary for a while

every 10k i will throw it in my FD, this is what i have been doing now

what else can i invest? instead of FD
SUSPink Spider
post Aug 15 2015, 06:28 PM

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QUOTE(darkknight81 @ Aug 15 2015, 06:11 PM)
Thanks Bro.  Any way to get a lower charges?
3% a little bit high
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FSM, 2%
http://www.fundsupermart.com.my/main/home/index.svdo

If your Asset Under Management (AUM) with FSM more than RM50,000, can get discounts:
http://www.fundsupermart.com.my/main/resea...?articleNo=1494
SUSPink Spider
post Aug 15 2015, 06:30 PM

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QUOTE(nexona88 @ Aug 15 2015, 05:56 PM)
Stock trading getting too volatileĀ  & pose some risk thus some are "moving" or looking at UT as alternative investmentĀ  sweat.gif
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Actually I think now is a good time to start thinking about buying large cap/blue chip funds...

I'm still keeping my second-liner stocks and REITs though, the fundamentals are intact.

How many large caps can u buy?

Buy FBMKLCI-EA i.e. the index? Nah...some of the so-called blue chips are rubbish tongue.gif

I'd rather be selective, but delegate it to a fund manager to do it for me.

This post has been edited by Pink Spider: Aug 15 2015, 06:31 PM

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