QUOTE(woonsc @ Sep 3 2014, 05:00 PM)
Put in money, check it back in a year time..
Fundsupermart.com v7, DIY unit trust investing
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 Sep 3 2014, 05:03 PM
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#1
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya  
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U mean 5 to 40 years time? haha
Put in money, check it back in a year time.. |
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Sep 8 2014, 02:27 PM
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#2
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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Most FD is capital guaranteed and PIDM insured. So therefore it's "secured" and returns are "guaranteed".
Return as of now is about a max of 4% annually UT on the other hand is not capital guaranteed. The average return of UT (that is available on FSM) is about 1 yr: 11.3% annually 2 yr: 9.69% annually 3 yr: 8.79% annually 5 yr: 8.09% annually 10 yr: 7.98% annually Out of 219 funds that are available (that has more than 3 yrs of data), looking at 3 yrs performance 9 (4%) had -ve returns 35 (16%) has less than 4% return annually the rest, 175 funds or 80% had above (and mostly way above) 4% return So in conclusion (in FSM, taking into account only funds that is longer than 3 yrs old), 80% of UT has better or WAY better returns compared to FD. And that's taking today's FD rate (it was lower previously). QUOTE(kiwibird @ Sep 8 2014, 12:46 PM) Hey gurus! I am a newbie in investment and I have heard a lot of people around me saying that UT is more dangerous as compared to FD and the return is lesser than FD. i know its very subjective when it talks about the return (pros know how to earn more as copared to noobs) but do you guys think a zero-to-investment guy like me should venture into UT rather than FD? fyi, i am a busy student with a saving of around rm40k  |
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Sep 8 2014, 05:57 PM
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#3
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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Absolutely superb idea!
Now... let's see... Taking 10 yrs performance only, there are 90 funds with data 0 (0%) funds returned -ve (great news!!) 10 (11%) funds returned less than 4% and... 80 (89%) funds returned more than 4%!!!! and 25 of them (which is 28%) returned >10% per annum. So in this case study, all the funds are pretty safe and 89% of them outperform our current FD rates. QUOTE(wongmunkeong @ Sep 8 2014, 04:17 PM) Additional thoughts: Best to use the 10yrs+ returns as expectations management The 1-5 years we had is higher due to: a. 2008-2009 1st qtr "crashed" level b. 2009+5 years = 2014 c. Thus most funds if measured from 2009 are super performers (ie. not the norm)... just like some "super investors or traders" thinking it's skill these past 5 years VS return to mean (me included  )Just a thought  |
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Sep 8 2014, 11:51 PM
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#4
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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From FSM website
QUOTE(adele123 @ Sep 8 2014, 07:44 PM) Hi, where are you getting these figures? This post has been edited by polkiuj: Sep 9 2014, 09:48 AMcause i can't seem to find it. i kinda need this for work. |
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Sep 11 2014, 04:25 PM
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#5
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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OMG HSAQ -0.0119
pain haha |
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Sep 24 2014, 10:21 AM
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#6
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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QUOTE(em0kia @ Sep 23 2014, 06:27 PM) Okay, so for Q3, distribution can actually be categorized into two types: Unit increment and unit price increament. Unit increment is like: Before distribution: 1000 units x RM1/unit = RM1000 After distribution: 2000 units x RM0.5/unit = RM1000 So even though the total amount is still the same, but we gain more units. But if its like this, then is this distribution consider an income? I dont see any earning from here  QUOTE(j.passing.by @ Sep 23 2014, 07:35 PM) BTW. The above example is a bit extreme, no fund would declare 50%. It is more like RM1/unit going up to about 1.100/unit, with 8-9% declared as distribution, and then the price drops back down to about RM1. Actually no. Eastspring Growth and small cap declared exactly this. 1:1 unit split effective today. |
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Oct 2 2014, 08:46 PM
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#7
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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Big crash for ESC and KGF
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Oct 3 2014, 10:28 AM
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#8
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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QUOTE(wodenus @ Oct 2 2014, 08:52 PM) So it is. ATM issue probably caused a lot of people to lose faith in the market for a while. I thought it's due to fuel price rising?  aih...My portfolio's been bleeding 3 weeks in a row... Bad bad bad... First Indonesia Then HK Now Msia  Hopefully today is very GREEN |
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Oct 7 2014, 10:50 AM
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#9
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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QUOTE(ragu91 @ Oct 7 2014, 10:27 AM) Hello everyone, RSP = Regular Savings Plan. Basically you set an amount to invest every month and it's automatic. It will invest for u every 15th of the month.May someone please enlighten me on what is RSP and how it exactly works ? I read it on the site, but I didn't really understand about it. The benefit is that you take away human emotion while investing and u get an average of all the month's price. Also it forces U to invest. |
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Oct 9 2014, 04:54 PM
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#10
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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Indonesia is not spared.
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Dec 2 2014, 05:58 PM
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#11
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Junior Member
337 posts Joined: Mar 2007 From: Subang Jaya
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Wow, today Malaysia started RED but end up GREEN. Anything significant happening today?
Or our money drop a lot so suddenly stocks became cheap with lots of buy in? |
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