Gila lah international korang ni.

Saya main dana dalam rumah je. heheh...

From the sales talk, the understanding is that in  an adverse situation, I will still get back my capital. What is difference bewteen proctected & guaranteed?

Sure, I will be much wiser from this experience. The thing is that the bank recruited sales persons to mislead the customers, telling them that this fund's returns will be better than normal FD rates etc, etc. As usual, they are just sales talk and sounds very convincing, what more for the auntie & uncle not to fall into the trap.

I am sure most layman does not know the difference. It is all up to the sales persons to explain and normally they don't bother to highlight the weakness for fear of not closing the deal.

Yes, every time require me to check up, as my advice to her to take the WithDraw the insurance becoz soon or later this system will absolute.

I work with Insurance company as IT, coincident the same company. So i know ppl inside still hv knowldge of the legacy system.

Sometime insurance didnt spend money to migrate old policy at old system to a new system platform becoz COST,Lack knowldge, and Turnaround employee madeup the reason no one know exist or supporting the old policy.

You cant compare Bank System vs Insurance System which more complex storing , process ,exuction of financial and accountability of each policy liability.

How insurance made money is different way bank making money by taking customer deposit and giving loan.

Hi everyone,

Can I ask a quick question about this AmCommodities Equity fund?
I'm looking at this link: http://www.fundsupermart.com.my/main/fundi...number=MYAMCEQT and if I want to see the most recent performance, I'll need to look at the 1 week % column, is that correct? In this case, is it -5.2%?

Thanks ahead.

Thank you! Seems like 1 week performance is really bad =( Is it considered normal to drop so much, or should I not be bothered too much with a 1-week difference and instead wait till it gets to 1-month and beyond? Sorry for the newbie questions.

Hancur Asset Under Management aku.

Sell sell sell

But what tha heck, client first.

Looks like it... many ikan bilis will be shaken out during the first downturn last week. Now cat bouncing, next down will shake out more weak investors.

Until no more weak investors can be shaken.. then... 

we know invest into unit trust fund is for long term (years), but when do you cash out or u all continue to hold until 10-20 years as retirement fund?

Oh, not 100%. I'm still exploring other options. Currently, most of my funds are in FD and some in funds. What's the reason for you to still want to have bonds eventhough you think the return is low? Is it for a good mix of portfolios?

How long only u switch? because now switching also quite costly and quite difficult to predict the market also

How about those dynamic mixed asset funds whereby the funds managers will have the allocate the investment according to the most optimal ratios according to their analysis / predictions? Would these funds resolve unit trust holders like us -- not to headache on when / where / how much to switch?

Anybody know what is something like this? Retail bonds. http://www.cimbbank.com.my/index.php?ch=cb...6&tpt=cimb_bank

yes, but can see the T&C of the return.
i think i read one (maybe GE smart gain...i forgot) the T&C got mention, if and when they cannot provide the returns... they will give you as FD rate.

Yes, FSM is a good platform with lower sales charge, 2% compare 5.5% to 6%. But the downside is, it is totally DIY, u need to know what u r doing. Since u r still young, u can start with small amount and learn along the way, experience is not something can be teach.

Regarding the asia and global, u can choose among the recommended fund in FSM, just make sure u read thru each prospectus and understand what ur fund going to invest.

I am new here. Just starting to learn about unit trust.
I've read the basic from the first page of this thread.
What I don't understand is the charges for the trust.
1) Sales charges. What is this charges about?
2) Redemption fees. Will this be stated in advance in the prospectus?
3) Management fees. This will be incorporated in the fund price? Basically the lower the management fee means a more efficient in the management of expenses right?