GETTING STARTED : KNOWING YOURSELF
We will attempt to read your mind.

Hmmm, OK, yes, yes.. The picture is becoming clearer.

OK, this is what you are thinking.

"I need more money in my life".

Good, aren't we?

Well, the trick is simple. We all need more money in our life. Money to pay our housing loans, car loans, income taxes, and bills, bills, bills. We need money to buy the things we want and pamper ourselves once in while. We need money to start a family, and provide for our children. At the end of the day, when we retire and we stop drawing an income, we still need to have enough money to live day to day.

Yes, it's tough.

Read more from here and its link at the end of each articles,...understand it 1st before creating an a/c .......just my 2 cents..

http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

just hope that you won't take too long to read or decide......else would missed out this
NEW ACCOUNT BENEFITS
These benefits are applicable to UNLIMITED purchases of ANY unit trust, up to a period of 30 calendar days upon account activation. However, these benefits do not apply for funds listed under Hwang Investment Management Berhad.
read to find out.....
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=5904

that is why i mentioned earlier,....read & understand articles 1st before creating the a/c 

1K Kenanga Growth Fund
1K Eastspring Investment Small Caps
1K RHB OSK Global Equities Yield

 

Bro u need to understand what is unit trust...

There is no guaranteed ROI!

U invest, i.e. give RM1,000 to unit trust fund manager
He use the money to invest in shares, bonds, money market instruments...
THERE IS NO GUARANTEED PROFITABILITY IN INVESTING!

If u meant ROI calculation of u invest RM1,000 now and RM100 every month for the next 11 months...this is how I do it, spreading the capital outlay over the period:

Gain/(Loss) / (Capital at beginning of period + (capital invested during the year)/2)

E.g.
U total invested RM2,100 (RM1,000 now, RM100 for next 11 months)
After 12 months your fund value is RM2,420
Profit: RM320

ROI
= RM320 / (RM1,000 + (RM1,100/2))
= 20.64%

Beware, don't be over-optimistic; else (temporary) disappointments may send u crashing (prematurely) for the "SELL" button if things go wrong. This happened to me before, learnt the lesson, and now wiser (a bit)

 
also do invest based on one risk profile and one financial capability...just dun over do it..even one has set aside the emergency fund..

2 years is too short for unit trust investing. A significant crash will send your financial goals to Holland.

spot on.....
mine is 9 mths old....and are still at -0.2 as of today

geee...i had these 14 in total

nay...not selling most of them...maybe one or two would switch to other regions/asset class....when it has a chance to go +tive....

His entire portfolio is +0.2%.

My guess is he won't. UT is a long term investment.

Because it has the region and % of coverage that i liked for that portfolio

then "that" mkt may had already peaked...or that is not what the portfolio wants..

Investing is more of an art than science.

U will learn more as u move along - EXPERIENCE

the thing to do is to stay focused on the value of the underlying assets or markets that they invest in. Focus on the long-term fundamentals of their investments and not the short-term market momentum.

if i thought that in 2010 (after 2008 down, 2009 climbing, and 2010 STILL climbing)
i would have to slap myself silly

Look at value VS history +other factors like your own asset allocation plan & yearly investment plan/resources, not just yesterday/last year prices
eg. just because something went down, doesn't mean it's of good value (yet)
just because something went up, doesn't mean it's not of good value / over paying (already)