i did call to uniasia , they said cannot find my policy, end up they pass my call to many people. 
still can not find it. plan to go to their office to check it

Four years ago, I invested in OSK-UOB Capital Protected ONE Advantage Fund through UOB. The fund matured on 7/6/2013 and when I called up to inquire about the redemption, I was told I will only get back my capital. This means the return is zero within this four years.

If I had kept my money in FD for 4 years, the compounded interest will be around 14.5%.

I am very dissapointed with how the fund was managed and it is hard to believe there is zero return and stock price has gone up, properties has gone up and how can the unit trust not making any profit?

Has anyone encounter such predicatement ?

Four years ago, I invested in OSK-UOB Capital Protected ONE Advantage Fund through UOB. The fund matured on 7/6/2013 and when I called up to inquire about the redemption, I was told I will only get back my capital. This means the return is zero within this four years.

If I had kept my money in FD for 4 years, the compounded interest will be around 14.5%.

I am very dissapointed with how the fund was managed and it is hard to believe there is zero return and stock price has gone up, properties has gone up and how can the unit trust not making any profit?

Has anyone encounter such predicatement ?
The OSK-UOB Capital Protected ONE Advantage Fund has maturity date (4 years duration) and I suppose the one that you invested doesn't have a maturity date.

For that matter, I would recommend Public Mutual. I had invested in Public Mutual Public Equity fund in 2005 and it gave a return of 80% when I redeem it at the beginning of this year.

There could be something not right with the UOB fund managers. Other funds are giving reasonable returns and not UOB. sigh !

mind to share ur aunty case to me ? did she manage to get back her policy?

What you said is true but then you must not forget that many uncles and auntie are not so well versed with these investement scheme and they just trust the so-called bank's financial consultants or wealth management officers. In a way, you just believe that they are helping you to grow your welath rather than putting your money in FD and so follow their 'professional' advice.

For the amanah saham dana pertama fund still exist or not? How should I check for it. Is provided when bought the south east asia insurance ( Tirple protection plan.  is trust fund now belong to who?

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?
A portion will given to agent who service you and small portion will give to fund house to reward agent upline & etc
Even buying online, you also need to pay for the IT stuff.


2) Redemption fees. Will this be stated in advance in the prospectus?
The redemption fee is an amount charged when money is withdrawn from a fund.
All the prospectus need to public for investor before invest as SC guidelines to fund house.

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?
The actual fees listing most commonly represents the costs shareholders paid for management and administrative services over the fund's prior fiscal year.

this site will help you understanding Mutual Funds: Management Fees Vs. MER
http://www.investopedia.com/articles/inves...fees-vs-mer.asp