Hi All,

I"m fairly new to Unit Trusts and wish to look into investing in them, if indeed it provides good return. I was told they are better than EPF and heard some agents telling me that 8-10% (or even more) is achievable.

If so, can someone recommend a good fund to get into? I can put some money into it for quite a long time, am looking at highest return rate per annum.

Thanks in advance.

8-10%pa?
Ask the agent to show you the funds...then tell us here....will you?
Never just listen to anyone with vested interest
....ask them to show the data of the consistency of getting that 8-10%pa.....

If you're investing with EPF you'll need to allocate it to Equity funds in order to achieve 8% or more. In consideration of your time horizon of investment, you may want to go into foreign funds that involves US-Europe, ASEAN Funds at this point of time where it is undervalued with the current economic fluctuation.

My current portfolio are average 6% with a good time frame of 3 years and constantly investing every 3 months with my EPF. Last years was higher at 9% average p.a.

My agent had overly told me is achievable of 8% or higher but at least 5 years and above and well I'm investing with EPF, I can utilize it till 55 years old anyway. A very long way to go!

from this link .....(excludes Public Mutual funds)
https://www.fundsupermart.com.my/main/fundi...erateTable.svdo

for the last 5 yrs there are 10 EPF Equity funds that had an annualised rate of 8% against 57 that are below 7%
(abt 85% of all the EPF approved Equity funds (excludes PM EPF Equity funds in data) failed to have >7% annualised returns in the last 5 yrs)

select well and hope that past performance may repeats....

btw, are you paying 3% sales charges every 3 months on your invested amount when you buy into the EPF funds?
mind sharing your EPF funds portfolio?

many would say....go for risk free and worry free by going for compounding return effects .....reap the risk free reward and can utilize this compounding return effects till 55 years old anyway. A very long way to go! A very long way to go enjoy the passive compounding return effects of EPF dividend!

This post has been edited by MUM: Nov 20 2018, 05:02 AM

from the above link...can see for the past 1 year
50% of those EPF Equity funds loss 10% ~ 33%......
if add in the 3% sales charges + the opportunity cost lost of EPF dividend 6%.....
I wonder "when" those that had invested with EPF money from last year could ever recoup those accumulated losses that summed over the coming years.....

I had bought a unit trust of rhb asian income fund through cimb. Is it a bad move for a starter?

the first can see bad moves for starter is the extra sales charges incurred....
I think you paid 5% sales charges for it thru CIMB.....while some online platform DIY...charges only 1.75%SC...and at times during promo....if >RM5000....0% SC too.

How do i maintain the unit trust account as in is there subsequent charges during nex buy or how frequent should i buy / sell?

Can i continue the account at other sites then?

there will be sales charges on each buy...

yes, you can buy from other sites too...
each of you accounts of unit holdings will not be sum together....you need to track the status of the units from each sites individually.

What are the sites that you can recommend?

try these frequently mentioned sites that i heard of....

https://www.fundsupermart.com.my/main/home/index.svdo

https://www.eunittrust.com.my/

https://www.poems.com.sg/products/unit-trusts/

hi.

am thinking to withdraw my cash investment from public mutual as it keeps declining (between yesterday and this morning, further decline of RM100 huhuu)

are there any 'good day' to withdraw? as i read that public mutual funds close every wednesday? what does it mean? thanks in advance!

this is the info I got from the net....
https://www.publicmutual.com.my/LinkClick.a...I%3d&portalid=0

btw,...where did you read that public mutual funds close every Wednesday?
pls provide link for I am interested to know that too....thanks


Attached thumbnail(s)

i googled and read 1 of the links from a forum..not sure of the authenticity of the info given by that person. btw below's the link (if u are so keen )

flyingspaghettimonster.com/portal/forums/showthread.php?t=222626

*https

This post has been edited by epalpai: Dec 11 2018, 02:49 PM

which link provides more reliable info?
your link or mine?


This post has been edited by MUM: Dec 11 2018, 02:50 PM

u asked for the link that i read right..of coz lah ur link is the genuine one..

so are there any 'good day' to withdraw?
I guess any working day is also a good day then, since Wednesday is not a fund closed day.

This post has been edited by MUM: Dec 11 2018, 02:56 PM

wat is flyingspagety?

I got no exact idea....
I guess it is just a site among godzillions of sites in the internet.