UT is managed by approved Management Companies (MC) endorsed by SC
MC engaged licensed Fund Manager (FM) to manage portfolio(s)
FM make mistake(s) too coz they r human being
Even Warrant Buffet (living Legend) lost $ from its investments in IBM n Coke

I would say it is not the matter of not making profit. Its the matter of how it is sold to the general public.
Almost all UT agents will give you a big fat rosy projection picture and maintaining that it is achievable.

magika,

Come on...  Let's have some COMMON SENSE....

S only make money from selling stuff to you.  S does not lose money if you lose money from buying his / her stuff..  Hence, it is in S's best interest to tell you the good side of the stuff but none of the bad stuff.

Before YOU or anyone listen to someone, the first question that you should asked is how does the person earn his / her money?? Is there a conflict of interest here??

Now, only people with NO COMMON SENSE will not know this.  But, as I said again and again...

Common sense is highly uncommon....

Dreamer

However, I am not saying UT is no good, its only that the general public doesnt know about its inns and outs, thereby more awareness should be disseminated.

magika,

You do not get IT.  The COMMON SENSE here referring to DO NOT EXPECT UT salesperson to tell you all the bad stuff about UT.

Dreamer

^
The one who is really barking for no valid reason here

The people whom u label as professional cons ARE ALSO THE ONES WHOM EPF APPOINT AS EXTERNAL INVESTMENT MANAGERS.

Your agents, your bank officers, they are only SELLERS, SELLERS, SELLERS, SELLERS; sellers don't manage the unit trust funds!

Just like when u buy a car, and it's faulty, u go to the manufacturer, u don't go pour red paint on the salesman's house front door

U really got me

TS, why don't u tell us, who u really are and what is your intention of opening this thread...

Stop giving us stomach ache already

time wasting to talk to ppl who wanted to get rich but does not wanted to put extra effort to get information. Even information feeded to them, they will still stick to their point of view (Chinese call this lembu. Tunjuk pun tak faham)
Argument will never end.

Getting info is easy especially the con and crap one are everywhere, but how reliable and how realistic???
Make empty promise (in the prospectus ) and sweet sales talk are also easy but never use brain to excel in the performance, jux know how to blame investor lembu!
What a small brain!

Getting info is easy especially the con and crap one are everywhere, but how reliable and how realistic???
Make empty promise (in the prospectus ) and sweet sales talk are also easy but never use brain to excel in the performance, jux know how to blame investor lembu!
What a small brain!

ur topic named "review on the unit trust investment" instead of "review on unit trust sales person". Instead of blaming the investing mechinery, you should either change to yr topic or blame why you trust sales people so easily?
If a person selling you a 1000cc car and tell you that the car have the same hp as 2000cc car will you believe it and straight away put deposit? If you believe it then gong xi fa chai 
I believe prudent people will do all kind of research before believing what other people said.
"Money wont come to you without any effort unless is your father's money" 

TS is acronym for Thread Starter can also mean Terribly Stupid is certain scenarios.

Dear Thread Starter,

Being whiny is not helping you look very smart in this forum. How about you let us know which fund you have invested in that made you lose money. Let us know also when you invested and when you sold. With tangible numbers we can all make an objective assessment, rather than emotional one.

Want? Game on? Or you prefer to discuss about Geneva, pegasus, or some skim cepat kaya?

Xuzen

Prospectus NEVER MAKE PROMISES.

It's obvious u don't know what are u talking about.

Even sales brochures don't make promises, it merely lays out historical and/or POTENTIAL returns. U know your English? Know what is the meaning of the word "potential"? And any investors with COMMON SENSE should know that history may not necessarily repeat in the future.

What else u have? Come...throw it out

And, if your UT agent REALLY promised u X% of returns, PROVE IT, report him/her to Securities Commission/Bank Negara or even the UT company. I can guarantee that u can get back your dues.

Otherwise, go die, REALLY, I mean it.

The fox tail is coming out...

Why u bother so much on my whining? Why everyone get crazy when I hammer on their bad fund performance? Does my whining affect ur biz? Or u r once the fxxkxxg fun manager that played on investor's money? Your friend who barks a lot is smarter than u for leaving soon...

Remember, don't play play on other people money! U r lucky because most of the fund are bought by C that are usually timid and lazy to complain. If M and I, long time ago all UT co. have been burned down.

The conman wants to kill me because I reveal his biz secret and pour salt on his wound.... 

Catch me if u can !!

If I die, u will be dragged to hell for abetting!!   

1. Denial
As the reality of loss is hard to face, one of the first reactions to follow the loss is Denial. The person is trying to shut out the reality or magnitude of his/her situation, and begins to develop a false, preferable reality.

2. Anger
Once in the second stage, the individual recognizes that denial cannot continue. Because of anger, the person is very difficult to care for due to misplaced feelings of rage and envy. The person in question can be angry with himself, or with others, or at a higher power, and especially those who are close to them. Certain psychological responses of a person undergoing this phase would be: "Why me? It's not fair!"; "How can this happen to me?"; '"Who is to blame?"; "Why would God let this happen?"

3. Bargaining
The third stage involves the hope that the individual can somehow undo or avoid a cause of grief. Usually, the negotiation for an extended life is made with a higher power in exchange for a reformed lifestyle. Other times, they will use anything valuable as a bargaining chip against another human agency to extend or prolong the life they live. In essence, the individual cannot totally move into acceptance yet acknowledges the fact that what has happened cannot be undone. People facing less serious trauma can bargain or seek to negotiate a compromise. For example, one may say "Can we still be friends?" when facing a break-up. Bargaining rarely provides a sustainable solution, especially if it is a matter of life or death.

4. Depression
"I'm so sad, why bother with anything?"; "I'm going to die soon so what's the point?"; "I miss my loved one, why go on?"
During the fourth stage, the grieving person begins to understand the certainty of death. Much like the existential concept of The Void, the idea of living becomes pointless. Things begin to lose meaning to the griever. Because of this, the individual may become silent, refuse visitors and spend much of the time crying and sullen. This process allows the grieving person to disconnect from things of love and affection, possibly in an attempt to avoid further trauma. Depression could be referred to as the dress rehearsal for the 'aftermath'. It is a kind of acceptance with emotional attachment. It is natural to feel sadness, regret, fear, and uncertainty when going through this stage. Feeling those emotions shows that the person has begun to accept the situation. Oftentimes, this is the ideal path to take, to find closure and make their ways to the fifth step, Acceptance.

5 Acceptance
"It's going to be okay."; "I can't fight it, I may as well prepare for it."
In this last stage, individuals begin to come to terms with their mortality or inevitable future, or that of a loved one, or other tragic event. This stage varies according to the person's situation. People dying can enter this stage a long time before the people they leave behind, who must pass through their own individual stages of dealing with the grief. This typically comes with a calm, retrospective view for the individual, and a stable mindset.