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 Public Mutual Funds, version 0.0

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conqu3ror
post Sep 2 2015, 12:44 AM

On my way
****
Senior Member
636 posts

Joined: Aug 2010
QUOTE(MUM @ Aug 31 2015, 10:57 AM)
rclxub.gif   sad.gif ....
same like yklooi's.... blink.gif  blush.gif
but at least your's is much better than his.. biggrin.gif
just hope that the performance of the funds of both of you can see improvement over the longer terms..
(perhaps >5yrs?)...that is what "they" always said..
but have to consider the accumulation of opportunity cost if from EPF  sweat.gif

hmm.gif guess,...this "Investment Disclaimer" hold truth.....

Investors are advised that unit prices and distributions payable, if any, may go down as well as up.
There are fees and charges involved and investors are advised to consider the fees and charges before investing in the Fund.
Past performance of the Fund is not an indication of future performance.


community service.... blush.gif
Newbies in reading...take note....of this disclaimer..
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You were right, all investor must take note of the "Investment Disclaimer"

Yes, all type of investment come with risk and transaction cost.

Even EPF or FD, the dividend declare are after all the management cost and transaction cost and the staff cost and bonus. Just we did not realise those hidden cost. Everything come with a cost, nothing is free.

Also, all the investment market will have up and down. The Only Thing That Is Constant Is Change. The past can't guarantee the future.

Of course not every individual have the knowledge in investment, so it is the job of unit trust consultant to educate their clients and understand their risk appetite.

This post has been edited by conqu3ror: Sep 2 2015, 12:46 AM
conqu3ror
post Sep 29 2015, 03:36 PM

On my way
****
Senior Member
636 posts

Joined: Aug 2010
QUOTE(dexterhau @ Sep 29 2015, 01:48 PM)
That is my plan. It is for long term. I am putting RM400 each month into 2 funds consistently.
But the 5% is incurred every time I pump in money.
So for example, I pump in 10k and kena charged 5%. The return is 6%. Meaning, I only earn 1%? (My theory correct?)
Then my UTC said something like average unit cost. So in long run, I will earn even more. Need help in this statement.
*
You were right.

Actually any investment (GOLD, FD, Equity, Property & etc) will involve transaction cost/admin cost/brokerage cost. Just some are transparent some are not disclosed to investor.


For investment always are mid to long term, those short term is just purely speculation which involve high risks.

Actually all depends on the individual objective and risk appetite.

 

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