where u guys buy AMDyanamic?? maybe after drop...then i buy.. 

ok..bond? not UT?? which bank selling those?

thanks 

now UT equity is shooting up the roof...bought it this nov...gain few hundred after minus sales charge...shall i sell or wait till 1 year..
bought at 0.4945....now is 0.5130....yoyo depends on stock market performance.. wait 1 year...to get divided?? worth it? 

Arrgh... i'm still waiting for another 3 weeks to rebalance a bit via FSM's 0.5% lelong charges 
BRICs and Frontier markets - please WAIT for me..... 

Hopefully that flu outbreak thinggy in US scares the markets down a bit hehe.
My bad - one man's meat, another's poison (the above not too good for those already in mah) 

2. Higher expenses for nothing
E.g. the Target Fund charges 1.5% Management Fee while the Feeder Fund charges 1.8%. U incur the additional 0.3% for having a Fund Manager who does practically nothing to add value to the unitholders.

I'm looking for some information about CIMB Wealth Advisor

I'm interested in the Unit Trust which starts with a minimum of RM1,000.00

I understand that you can top up the fund in denominations of RM200.

I would like to know if the RM200 is obligatory, meaning if I start with RM1,000
can I top up RM200 as and when I have the excess funds or do I have to top up RM200 every month?

I have a very basic question but it keep me wondering. After we have built up our portfolio allocated based on various categories and regions, how do we maintain those percentage given the fluctuating nav? Do we top up as required to maintain percentage or switch from those fund making money to the lesser one to maintain percentage? Thanks for any insight on this.

So we top up monthly and re-balance half/yearly. Final question .. when top up, do we buy those below % or all the funds in portfolio? Thanks.

And that day at FSM "Lou Sang" dinner the CEO of AMB talked of something along this line, "...we decided to reward investors with a dividend..." I almost wanna start a debate with her

As for the "technical" questions like charges, fees etc, why not ask FSM? Don't let their customer service ambik gaji buta mar

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 !

Hi Hafiez,

U mean your clients wanna withdraw their investments?

Benefits of investing in unit trust

1. Diversification
2. Minimal Risk
3. Liquidity
4. Affordability
5. Professional management
6. Another good option of saving.

pm me for more info bro.

i think no2 should be

diversified risk

1. Diversification usually means getting an average return  for less risk, as shares moving up would cancel out losses of shares moving down. Unit trust try to achieve a higher return by adjusting the diversified portfolio for roughly the same amount of systematic risk, so a good measure is to see whether they outperform a diversified benchmark like the klse or emas index.

2. If an equity fund is chosen, usually the risk of the fund is the same as the market, meaning roughly equal systematic risk. The idea is think whether the fund can get you higher returns for the same risk.

3. Liquidity is one of the main attractions of unit trust. No need to pay penalties for withdrawal like fixed deposits, or worry about whether your sell orders on the stock exchange will actually be taken up.

4. Comparing the service charges for any higher risk investment (gold, property, stocks, etc) for an average investment of rm1000 per transaction,  most have transaction charges of between 3-6%, so unit trusts are about equal on affordability to other investment.

5. Unit trust is an alternative to savings. It exposes funds to higher risk in order to get a higher return.

The above is assuming equity based funds.

An appropriate strategy would be to follow some golden rules;

1. If you have no idea what you're doing, do ringgit cost averaging

2. Do not invest so much that it cramps your lifestyle or you can't sleep at night

3. Aim for long term, over a period of more than 5 years, unit trusts are the best performing asset class.

If you have further questions I'd be happy to reply.

Yup and btw, there were a few kaka ones from Southern Bank that was absorbed / incorporated into CWA funds as well

Some of these bad funds are no longer listed? Where do they go?