only RM25 per RM10k. That mere sum should not affect ur investment strategy. Peanuts ler.

I've been topping up PRSF these few days. Every topup is getting lower and lower

02/08/2007 (lower)
03/08/2007 (lower)
06/08/2007 (lower)
08/08/2007 (hope is lower today)

I wonder how long the current market will go like this. I've bullets for 5 more shots

It is going to go up very soon. I am still positive about it. If today KLCI remain positive, you might top up at higher price than yesterday, but no harm for long term.

Thanks Shih,
than perhaps even your nav unit to switch is just rm5k or ++ already worth to switch.


for short term parking purpose,i think switch to cash fund is better,recently we saw many time where bond and equitity fund up or down together.switch from equitidy to bond is perhaps better for those want to retire or have long vacation from share or equitidy fund.

Welcome, I learn from my mistake but I want to try my judgement. I made some bad decisions in stocks. I would like to see how my judgement on UTs goes. Indeed, if I park my UTs in bond fund, I would maximize my profit.

Since I am young, no harm taking more risk and learn.

Depends on how long do u plan to park ur fund,

Equity fund -> money market fund -> Equity fund, cost = RM 25 (as E.fund -> MM fund cost = 0)
Equity fund -> bond fund -> Equity fund, cost = RM 50

This recent fall is a surprise to most people.... if you expect market will keep going down, then switch lo. If you think market will rebound soon and wish to stay with equity funds, better pick only bluechips or dividend funds for now.

Today seems green, thought it will still go red for a few more days

This is why short term timing doesn't work... in funds switching, we go for mid to long term.

Can you explain more:

How do you define fund switching for mid to long term?

How do you define when is the best time to switch fund?
From Equity -> Bond?
From Bond -> Equity?

Well, gotta look at the big picture. Do research on the economy as a whole. For me, I look at the fundamentals since I'm going for mid to long term. I don't mind if my equity funds lose a few % in short term since I do not plan to withdraw them anytime soon. If the price becomes too expensive for me, I would invest more in bonds or cheap foreign equity.

Something for you to start with, look at the P/E, and the potential earnings of the selected market. Oh..also, oil prices have fell a few % because of the speculation of USA will consume less oil. It's not a bad thing after all.......



Attached thumbnail(s)

Suddenly thought of this question,

An older fund might cost X amount and sound expensive. A new fund will cost X amount and is cheaper

Is there actually any difference?
Old Fund buy X amount of Stock
New Fund buy X amount of Stock

When economy drops, both also drops. Vice versa

So wouldn't it be better to choose older fund where we can already see the past performance?

Past performance is not indicative of future performance.

You can always track the fund manager. Some fund managers from PM are assigned to several funds. There could be a regional boom somewhere else now and it happens that this star manager is managing one of the funds there... worth your time to do extensive research on those.

No market can continuously gain over 25% for more than 5 years because the firms earnings simply cant get 25% growth every year. There's this thing calls economy cycle. Is Msia at its peak already ? I personally think no.

HLG Unit Trust says latest fund is timely

KUALA LUMPUR: HLG Unit Trust Bhd is confident its latest fund - HLG Asia-Pacific Property Income Plus Fund - will perform well given the rapidly growing demand in the for Asia-Pacific property sector.

"The timing is excellent and this fund has been structured to capitalise on the thriving property sector in this region," HLG Asset Management Sdn Bhd executive director and chief executive officer Richard Lin told reporters at the launch of the new fund in Wisma Hong Leong on Wednesday.

Lin said that this fund would primarily invest into fixed income securities to seek regular income and stability of capital.

"Also it attempts to gain long-term capital growth by investing into derivatives or options that offers exposure to Real Estate Investment Trusts and property related equity securities from the region.

"The stock market has good prospects for the next twelve months due to the strong underlying economy and the current volatility is due to external disturbances," said Lin.

He added that rising rental incomes and lack of supply in countries like Singapore and Hong Kong would contribute to the overall performance of the fund.

Lin said that the recently launched HLG Asia-Pacific Infrastructure Fund was a tremendous success. Its initial fund size of 400 million units was fully subscribed within six working days.

"HLG subsequently increased its fund size thrice to a total of 1.1 billion units.

"HLG's has a total fund fund size of RM2.31bil as at Jul 31," he said.

HLG Asia-Pacific Property Income Plus Fund has a total approved fund size of 600 million units priced at 50 sen per unit during the initial offer period from Aug 8 to Aug 28.

Minimum initial investment is RM1000 while minimum additional investment is RM100.

This fund is distributed through HLG's Unit Trust Bhd's agency force, Hong Leong Bank Bhd, Standard Charterd Bank Malaysia Bhd and ABN Amro Bank Bhd.

URL: http://biz.thestar.com.my/news/story.asp?f...07&sec=business

I have not tried other UT other than PM

Is this really good?

Do you guys buy other UT funds from other companies?

This post has been edited by dzi921: Aug 8 2007, 06:50 PM

It is a property reit type of fund, already got several others similar global/regional fund launched about 1-2 years ago and others already making significant gain when property boom in US, I also had one but sold off already (gain about 30%) at about 1Q this year. But recently drop quite significantly (more than 10+%) in 2 months time due to property slump in US.

This post has been edited by cherroy: Aug 8 2007, 07:44 PM

I topup PRSF today when it is green

You should expect that it'll be GREEN since KLCI shot up 17.04 points today.

It is still depends on the portfolio, past performance just as track record, it does not reflect the future value.

So far, just have the taste Public Mutual only. Of course, there are some good fund beside PM's.

Actually, there is no difference. The low price is to attract more investors. A new fund with NAV RM0.25 and NAV RM0.50, actually are same.

When invest, don't look at the price. Look at the investment policy and strategies, are them suitable for you or not. Invest based on your risk appetite but not purely looking at the price.

Real estate investment in general is less risky and provides less return than stock market as well. The pro is income stability, get to receive rental every year. Good for retired people... might not be suitable for aggressive young people.