Thanks everyone for your reply

Investment basically is a new field of study for me. I do have few hundreds leftover for myself from the PTPTN loan after one semester (which is 6 months) I think it's a waste to have it sitting there doing nothing in my saving account and then I come across with investment in my mind. I read through those fundamentals in investment and UT seems to be fine for me while stock market requires me to have a lot of preparation and knowledge on that. Hope investing in UT provides me some experience and knowledge to later on stock market.

Sifus here,

Is it best to start with just one fund for like few years before having different funds in our portfolio or we can actually investing in maybe two or more funds if the commitment allowed. I would like to seek some advise for my first fund selection, should I go for a existing old fund or a new fund? Well, the fund that I have in mind are KGF, Eastspring Small Cap Fund and the new fund which is Eastspring AP ex Japan Target Return Fund. I know that these 3 funds are different as in they invest in different sectors and regions but I'm still in dilemma which to be the first.

KGF and Eastspring Small Cap seems promising for the long run. And Eastspring Target Return basically it's new but now it's in the IOP period until the end of this month. So anyone cann shed some light upon me on this matter.

Thank you

Here's my 2 cents on the IPO thing - I don't see what's the euphoria about... its quite meaningless unless it's introducing a new market sector.

It's not like a new company is about to be listed... and its initial offer price is deliberately set low to entice investors. It is a new fund that that's about to buy up shares of existing companies in the market. Nothing new... and it cannot offer lower prices ie. it cannot buy up shares in bulk and offer them to you at any discount.

Management fees has a set minimum, it is only above this minimum that the standard management fee ratio will kicks in. The 1st batch of investors will bear this minimum operational costs when the volume is below this threshold.

My advise is, stay away from Eastspring Small Cap or any other high risk small-mid cap equity funds; reason being, the rollercoaster ride MIGHT scare you away from UT investments.

1st of all, are u already working? Do you have spare cash every month to top up your investments? Or are you just looking to invest the spare cash that you currently have on hand?

If your answer is the latter, I'd advise you to just park in FD. Or, you may start with RHB-OSK Cash Management Fund 2. It's return is on par with FD, and it's flexible - you may withdraw anytime. And best of all, it is a unit trust, albeit a money market fund, so that you can get a taste of what is unit trust.

If you insist on investing, look at the more stable, seasoned funds like:
- Kenanga Growth
- Affin Hwang Select Opportunty
- Eastspring Investments Equity Income
- CIMB-Principal Equity Growth & Income

But to me, if you have limited funds, better to pick a good balanced fund like:
- Affin Hwang Select Balanced
- AmConservative

newbie here. just sign up today after 1 year research n google-ing

waoo.. i admire your patience
welcome aboard mate!

year ago i only got 300 after graduation. Thinking of invest in unit trust but the best investment is always business.
after a year, i think got enough ammo for battle in UT hahaha

hope all sifu here can teach UT kungfu

I switched from kidsave trust to hwang select balanced hoing for better returns. After investing for half year, seems like 2 kali 5 saje....


This post has been edited by jutamind: Oct 18 2014, 07:13 PM

Good evening fellow unit-trust investors,

I know the previous weeks have been a suckish period with regards to your portfolio return. However, my post here is to offer some perspective.

http://www.fundsupermart.com.my/main/fundi...erateTable.svdo

Let's take a look at one of FSM's recommended fund i.e. Kenanga Growth Fund.

The three years annualised return is 19.41% p.a. i.e., when compounded, the total return is 170.26%.

Now look at the 1 mth return column; the loss is 9%.

To put it into perspective, if you have invested through this fund with an initial investment of RM 1,000.00 in 2011, your asset would have grown to RM 1,702.60.

With a 9% drop recently, your asset would have dropped to RM 1,549.40 still giving you a respectable return of 16 to 17% p.a.

Unit-trust, especially through good fund manager, you are still better off in the medium to long term period. Short term volatility or fluctuation is expected, and should not be too much of a concern.

Practice DCA or VCA, and stay invested. Watch your asset grow!

Xuzen

This post has been edited by xuzen: Oct 18 2014, 10:07 PM

UT is for the long term.. drops are moments of opportunity to "topup" ...

come drop somemore.. correct somemore..

half year is not a good nor long enough time frame to assess performance of a fund

Yes i hope the drop isnt a sign of further and long term downside. Went into both KGF and ES SC and both at 9% and 10% loss.

same. think of this as a test of will

If I want buy my 1st unit Trust,anyone have what good to intro me please? I didn't have big money to invest ,sorry,my salary not more than 3 k per month
So just want to invest and save a bit for future fund ,please help me ,thanks

try reading past few posting....ex...post# 1071 to # 1096...I think it is almost similar to what you seek.

Private Retirement Scheme

Go read it, don't expect spoon-feeding.

Xuzen

Fund Managers are still bullish on equities esp East Asia and US.

Equities are still the preferred asset class into the mid-term period. This downtrend is (in the fund manager's opinion) a temporary correction and present a buying opportunity.

Xuzen

No issue on big OR small money, the important is to save and invest money. Get the money work harder for you.

Like me, I start with regular saving plan (RSP) which is will is deduction for RM100 every middle of the month (Monthly). Please read through the postings and FSM websites to get information on the performing fund (Positive) and risk (Negative).

Welkommen 'Dynamite' into my UT portfolio.

Looking back in hind-sight...

As of late Qtr2 to early Qtr3, many fund managers start to go overweight in cash in their portfolio. These people already factor in the volatility. The famous TTB of iCap fame went as far as 50% cash. Other fund managers cannot go so cash heavy as they are bound by the trust deed.

Xuzen