the "lowest" I think is thru RSP....Regular Saving Plan in FSM.
Q: Do I need to have an initial investment before starting a RSP? What is RSP Specialist?

A: You can start your RSP from as low as RM100 per month for most of the funds without having to fulfill the minimum initial investment amount. EXCEPT for OSK-UOB Institutional Islamic Money Market Fund as well as funds from CIMB-Principal Asset Management Berhad and MIDF Amanah Asset Management Berhad where you are required to invest the minimum initial investment amount first before starting the RSP.
RSP Special List is a list of funds which enables you to start an RSP at the minimum RSP amount without required a minimum initial purchase.

http://www.fundsupermart.com.my/main/faq/faq.svdo?id=976

This post has been edited by T231H: Jan 3 2015, 12:56 PM

"Aside from that the asset allocation has presented fund manager with a major headache, since they are required to observed certain threshold (I.e. 60% equity and 40% fixed income) and maintain a min cash reserve (5%?)"...why is it so? isn't it that they are doing that all the time? currently is it all sectors in the m'sian mkts also down? some of the funds that had stocks in hands are not index linked stocks....there are those that have better fundamentals and valuation than others...
"falling oil prices"...some sectors of the mkts like Utilities are benefiting from it....if yr fund is only focused on O&G then sorry lah.
"I believe the future lies with Japan".....select well my friend....for the yen’s continuing depreciation will harm investment returns after currency exchange
"until oil prices recover"......by then could have missed the upswing of the price movement....

there are about 15 M'sia focused funds in FSM that just -4% for the past 6 months....of course there are also about 17 funds that are minus > 10%....but the average of all 72 funds is about -7.66%.....cannot "tahan" the minor price correction?

UTs are for long terms ...forget about the minor up/down.....let the FM do their work.....don't jus focus on single countries/sector...have a diversified portfolio of funds.....invest with the monies that one is comfortable with......isn't it that is the basic advise one will get while working in UT industries?

My biggest fear now is the prospect of Oil price moving up near/at the time of US interest rate hike....Double Whammy.....US stock mkt had not had a good corrections for a very long time....by then one would wished one had moved out of EQ to cash....


This post has been edited by T231H: Jan 4 2015, 07:13 PM

thanks for the alternative insights.
not to say no confidence in M'sia or the gomen is no good.....my reason is that there better valuation out there.....as per attached...

http://www.fundsupermart.com.my/main/resea...?articleNo=5392

This post has been edited by T231H: Jan 5 2015, 04:58 PM

I already PMed him for more info....hopefully can get "valid" response

....
a quick google found many almost similar scandals......
this is not the 1st nor will it be the last...there is always one every now and then.
the KLCI is still going up, down and side ways at random as per usual all these years........

good one..
aren't KGF and EI SC is of the SAME tree where the monkeys rest?
if are jitters, these funds will also be shaken..

not only CIMB.....many local focused funds with good track records for the past few years had also been hit for the past 6 months....

your foresights into M'sia is about to materialise.....
Prepare more cash for the Turkey shoots in 2nd half of 2015?

Malaysia: Brace for flows of water and money
PUBLISHED ON JAN 6, 2015 10:44 AM
- See more at: http://www.straitstimes.com/news/opinion/m...h.gulWmh9R.dpuf

Malaysian state fund 1MDb fails to repay RM2 billion loan, chief executive replaced: reports
PUBLISHED ON JAN 6, 2015 10:06 AM
- See more at: http://www.straitstimes.com/news/business/...h.VFqH1saK.dpuf

who ever sits on the DUMMO party's chair will still have to play his part for the party....i will see no changes.....AhJib tried in to do that in the beginning but had to reverse or stopped talking about it, after some time...
This boat is NOt going anywhere except for those cronies and the well connected....
What can i do? what can i do?.....i tried to change but popularity votes does not count....

Asia Pac, especially North Asia regions is my bet.
US??... abit high and all subjects to the "noises" and negatives/positives reviews and moods to come, in the coming months when the interest rate is announced....not good for short term....my bet no.

try this for inspiration?
Investment Strategies For 2015
http://www.fundsupermart.com.hk/hk/main/re...?articleNo=9153

Key Investment Themes And 2015 Outlook
http://www.fundsupermart.com.hk/hk/main/re...?articleNo=9115

not sure you knew about this or got interest
Unit Trust Investment Fair: What And Where To Invest 2015
http://www.fundsupermart.com.my/main/resea...?articleNo=5368

yes,...not good to provide the link as I maybe perceived to be an advertiser of the products too.
it is sort of "fine" artistic collection items.

well i replied as...
"But, The lack of a proper valuation method to analyse these items leaves me with guesses as to what could possibly be the fair value price of these items. With such an inherent problem, i choose not to haphazard a guess and to advise myself and my fellow family members (investors) to remain cautious on these items despite its sterling gains over the past years as mentioned by you".

you can also PM for details too...very prompt reply, polite and not pushy person.

May i suggest that you say it out loud and clear here, instead of asking people to PM you.
some real impartial sifus may not want to do it
some People with unknown motives may PM you.

yes, don't listen to the RM....(which/where/what location, name?)

you got more units but the price would drops...if have RM 1000 before and after dividend is still RM 1000 (+- abit)

Q. Is a fund's share price affected when a distribution is paid?
A. Yes. Capital gains and dividend distributions will reduce the fund's net asset value per share (NAV) by the amount of the distribution on the ex-dividend date. For example, if a mutual fund were to pay a distribution of $1.00 per share and the fund's net asset value (NAV) was $10.00 per share prior to the distribution, on the ex-dividend date the NAV would be reduced by $1.00 per share. Market activity may also impact the fund's NAV on the ex-dividend date, so the total change in a fund's NAV may be more or less than the dividend.

Q. Does a fund's distribution affect its total return?
A. No. Distributions do not impact total return. Although the NAV drops when the distribution is paid, shareholders who reinvest their distributions also receive more shares.
.....guess this answered your question about buying 2 weeks after dividend.
http://www.nicholasfunds.com/dividend_info.html

Why do unit trust prices drop after a cash distribution?
Income earned by a fund during the financial year is accrued in its unit’s price until the end of the distribution period. Upon declaration of an income distribution, any interest income and realised capital profits are paid to unitholders. Consequently, the Fund’s NAV, and therefore the offer and bid prices, will tend to fall by approximately the same amount as the income distribution.

http://www.phillipmutual.com/indexwp.php?page_id=58

This post has been edited by T231H: Jan 20 2015, 10:35 PM

a very common 'similar" warning sign are placed in all UTs prospectus "Past performance and any forecast is not necessarily indicative of the future or likely performance of the fund. The value of units and the income from them may fall as well as rise".
The funds performance can go up, down and side ways. which means you CAN lose your monies too.

try read type of UT and and understanding its risks here

https://www.fimm.com.my/investor/abc-of-uni...ng-unit-trusts/

try
http://www.fundsupermart.com.my/main/home/index.svdo
https://www.eunittrust.com.my/
or read Post#1

This post has been edited by T231H: Feb 8 2015, 10:14 AM

try this site?...
http://www.sc.com.my/data-statistics/

btw, here is a List of launched funds in relation to unit trust funds as at 31 December 2014
http://www.sc.com.my/wp-content/uploads/en...s/stats/UTF.pdf

The evaluation methodology for qualification, suspension and reinstatement of funds is strictly based on quantitative measurement, which is transparent and eliminates subjectivity. Any unit trust fund that fails to meet the minimum annual evaluation criteria will be suspended until it once again satisfies the requirements, he said in a statement released yesterday.
what if it NEVER satisfied the required?......suspended till?
http://malaysia.shafaqna.com/EN/MY/107851

may I kay poh???
last week called to inform.....(a bit late??)
Eastspring Inv Insights published it in Jan 2015
With 2014 a disappointing year for Malaysia, where are the investment opportunities for 2015?
http://www.eastspringinvestments.com.my/do...sight.final.pdf
2015 Outlook for Malaysia. Published..December 17, 2014
http://www.fundsupermart.com.my/main/resea...?articleNo=5357

CP Balanced Fund is a balanced fund,...different class as CP GTF...
unknown to yr risk appetite and portfolio needs.....(I would prefer to follow this)....
Favoured Markets & Markets To Be Cautious On [3 Apr 15]
http://www.fundsupermart.com.my/main/resea...?articleNo=5698

never had a chance of knowing one thus asking
do you set a min to max ROI%? for the client?
sort of target returns?...
any sort of probabilities of getting those targeted returns number?
if it cannot achieve....how?
what is the min initial investment?

This post has been edited by T231H: Apr 12 2015, 01:44 PM

thanks for the reply.
now I know who to contact,

wow 9% is very easy to achieve....what are the probabilities of not able to achieves it?
in yr company history....how many % failed to meet the target?

btw, normally what is the average target your clients set?
(never had info on the target set by those "rich" one)