is it possible (or ever got clients) let say....he hands over a bag of money to you and say,....make it grow at min 10%.....because I want to take out 8% to spend every year....is it possible for this scenario?
I guess possible,..because during the bad year..you can dig into the bag to give him 8% and save more into the bag during good year.
what you think?

was aiming for this type of investment after withdrawing from EPF......age 55, retired, want to have some "carefree" life.....

you can continue to wait for responses or can try contact EI directly and posts the answer here?

M'sian Bank FD > 3% pa....

other banks that offer Syariah compliant UT? The ones that give higher returns in the long run?
found this on google...
http://www.publicmutual.com.my/LinkClick.a...1s%3D&tabid=105
http://www.fundsupermart.com.my/main/fundi...fundSelect.svdo?
select YES at the "Syariah compliant funds" then generate table.
...most of your required info can be found

the longer I invest, say 5years, the more return I shall get right?
Or maybe not?
depends on what funds you selected and what ROI do you seek when you selected that funds.
as usual, Lower returns funds are normally less risky than higher returns funds....
found this too on google...about risk in investing in unit trust..
http://pmbinvest.com.my/resource_center/in...Unit-Trust-Fund
with so many risks involves....you know the risks involved...

the price of UT is in NAV per unit (Net asset value)
this NAV price changes almost daily (lower risk funds changes less than higher risk funds)

Example :
•NAV price : RM0.50
•Sales charge : 2%
•Investment Amount : RM10,000

Buy at 2% sales charge
If you invest RM10,000 into the fund at a sales charge of 2%, you will receive 19,607.842 units.

Investment amount = RM 10,000/1.02
= RM 9803.921

Units = Net Investment Amount /NAV price
= RM 9803.921 / RM0.50
= 19,607.842 units

YOu did not sell you did not make money,...
if the economy is good during the first 1 and 2 years, the NAV increased to RM 0.80
if you sell you will get back abt 19,607.842 X RM 0.80 = RM 15 686.27
therefore if in year 3 economy is not so good, the NAV dropped to RM 0.40 NAV
if you sell you will get back abt 19,607.842 x RM 0.40 = RM 7843.13

hope this is clear to you....

This post has been edited by T231H: Jul 1 2015, 09:13 AM

I think morning star Malaysia website can see
http://my.morningstar.com/ap/fundselect/results.aspx

try this...hope it helps...


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in what picture?
distribution you get more units but the price will drop after that.
so basically there is no change in the amount of value one had before and after distribution.

This post has been edited by T231H: Jul 8 2015, 10:35 PM

One man's meat maybe another man's poison....
Unknown to your financial situation, risk appetite, age and may more ....I would just suggest you read and understand more about yourself first....
most of these basic info can be found in the web thru google...example.
https://www.kenangainvestors.com.my/KIB/KIB...vestingFAQ.aspx
http://www.fundsupermart.com.hk/hk/main/school/school.svdo
https://www.fimm.com.my/investor/investors-...ends-and-goals/

and also this....(more in google too)
General Risks of Investing in Unit Trust Funds
https://www.cimb-principal.com.my/Investor_...rust_Funds.aspx
http://www.ambmutual.com.my/risk.htm

This post has been edited by T231H: Jul 9 2015, 07:16 AM

try this?
What is "Forward Pricing"?
https://www.fundsupermart.co.in/main/resear...19?articleNo=89

Q: What kind of pricing method does the Cash Management Fund use?
A: The fund will be priced using Historic Pricing method, instead of Forward Pricing method used by most of the unit trusts.
Investors who transact a buy or sell transaction on the Cash Management Fund on a Monday or the first business day after the public holiday(s), will have the price of their units determined on the calendar day* immediately before the date of transaction.
* A calendar day includes Saturdays, Sundays and designated public holidays.

Q: Why is Historic Pricing method used for the Cash Management Fund?
A: By using the Historical Pricing method, there will be NO lag time when you place a unit trust buy order using Cash Management Fund or switch your Cash Management Fund into another unit trust. This would mean that the unit trust you wish to buy or switch-buy will be transacted on the same day if the buy or switch order is placed before 3pm on any business day.

This post has been edited by T231H: Jul 13 2015, 12:36 AM

while waiting for value added responses,..i found this while googling.
Phillip Mutual Berhad is the Malaysian unit trust management company of the Phillip Capital Group. It is approved by the Securities Commission to carry out unit trust management business. Phillip Mutual is also one of the approved Institutional Unit Trust Advisor (IUTA).
https://www.fame.com.my/Login/AboutUs.aspx

How to open a unit trust investment account?
You will need to open a unit trust investment account with PMB before you can transact.There are 2 ways to open a unit trust investment account with us. The procedures are similar when for Phillip Mutual Bhd’s house funds and 3rd party funds distributed by Phillip Mutual Bhd.
https://www.eunittrust.com.my/

nothing wise, nothing not wise, nothing right, nothing wrong....it all depends......what will make you sleep better...

btw...why do you go into unit trust in the 1st place when you can get abt 6% pa yearly in EPF?
should have gotten out of UT and return the monies to EPF earlier.....these 5 trading days saw KLCI dropped too many points....which would resulted in your UT prices falling way too much....
If you are not in an urgency to sell and can sleep well at night...don't sell now.

not MANY EPF approved UT funds can beat the EPF rate constantly in the last 10 years...
"To him, regardless of the situation, invest in unit trust"...maybe, just maybe..he has this intention (maybe i am wrong)..whenever you buy...he makes some monies.

it depends on what you are holdings.....


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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?

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

there is a long list of risks of inveting in mutual funds in here....
https://www.fimm.com.my/investor/abc-of-uni...ng-unit-trusts/

if still unsure...please remind your UTC (agent) the next time you two meet up, to explain more to you in details...

no right or wrong answers...
some people may ask you to keep for long terms, some people may ask you to sell and come back to fight another day.

it is all up to you personally....
if "SELLING" now would make you feel happier, just sell it off.
if you are still hesitating.....then review your investment portfolio....
review the portfolio allocation...is it too heavy in a particular country/region?
is that country or region still have good valuation?
then decide if you want to "switch" to other fund (that cover other country/region) of the same fund house....this would "REDUCE" the service charges.

have you recalled why you want to invest in PM?

btw,...if you want "SAFE"...sell ALL investment now and then move to bank Fixed Deposits that has PIDM coverage....
b'cos if you still invests in Equities mutual funds...then "Nothing" is safe.....(Bond funds maybe)

This post has been edited by T231H: Aug 25 2015, 10:46 AM