By saying 5 years or 10 years, unit trust normally give average annual return of 10%-12% for high risk fund.

Don't expect 1000% return in a year from unit trust...even share also not quite possible...Try magnum 4D, maybe can...

This post has been edited by leekk8: Jan 18 2008, 10:57 AM

I refer to all the UTs in general...I believe Msia economy will still survive the next recession. Economy recession is normal in economy cycle, even it takes time, from history, we know Msia economy will recover...

So, if this is the case, what's your best advice to Msia investors? Withdraw all the investment and put in FD?

I know from your previous posts that you only buy 1 counter in Msia, and I also buy this counter.
Anyway, I know you mainly invest in US, now most people saying that US market is going into bear, what will you do?

Please make sure of this. Most of this kind of plan, they giv 4% guaranteed interest, and 3-5% projected interest.

Yes, if you didnt repurchase, you only get paper loss or paper gain. It is not the real lose or real gain. That's why we're always recommended to invest in Unit Trust in long term, so that we can wait for the market in bull run, then only we switch it or sell it. Anyway, not everyone can hold the investment for long term. Some people might need the money for urgent purpose, or some people plan to invest for 2-3years then use the money for house downpayment. Bear in mind, when invest in anything, understand about ourself, how much risk we can take. There is no bad investment, important is we must choose a suitable investment for ourselves.


naix,

Since you only can invest for 1.5 year, I think it's better you put it in FD. If you really don't want FD, bond fund is the only choice in unit trust investment. Don't try to go for high risk equity funds, as it might lock your money for 3-5 years, or you will lose money if sell it when market is low.

PIADF recently is not very good performed. PFEDF is better than this.

Public Mutual is Public Bank's subsidiary, but they are considered as 2 different companies. Although PB series funds are managed by Public Mutual, the sales force, operation and profit of the unit trust go into different account. Most important is, Public Bank need to avoid the money from Public Bank goes into other banks' unit trust funds.

Since most of the funds invest in share market, when share market drops, its expected that fund price also will drop.

With this kind of election result, how can be the KLCI rising?

Anyway, still need to monitor the whole asia markets closely, as most of the funds invest in asia regions.

The election result affects most on the companies which has projects in Penang, Perak, Kedah and Selangor. However, this should be temporary. As the state government changes, investors worry that the projects have changes, so they choose to be cautious.

There are a lot of companies selling unit trust fund. CIMB is one of them.
The funds that they offer might be different or same in terms of investment strategies.

Normally the fund performance you see didnt calculate the service charge, but management fee is included. As the fund NAV published everyday is already deducted for the management fee and trustee fee, so we only need to deduct the service charge, and this service charge is just charged once until you sell your fund.

For domestic, KLCI drop 9.5% on Monday and until now still not even recover half of the loss that day, how you can say now untung if invest last week? Only untung if you invest on Monday.

For asia, most of the countries index drop quite a lot yesterday, still cannot see untung.

As an agent, please be alert to the market situation and don't say that unit trust investment sure gain return. Any investment might earn or lose.

Unit trust past performance is a reference for the ability of the fund manager, but when we compare, we should compare with same category funds or the benchmark. A fund which lose 10% in a year is considered good if all the same category funds lose 20% in that year.

Past performance does not indicate the prospect of the fund, so beside referring to the past performance, the most important thing is, we must understand the investment strategies of the funds and choose the most suitable fund for yourself.

PIADF 1 year performance is quite poor cause of the current market situation. Anyway, the return of a fund should not be concluded according to the distribution. Unit Trust is not same as FD or EPF, where unit trust is an investment. FD and EPF give us interest every year, but unit trust fund does not. Any investment has its own risk, and there is no way to get fixed return from investment (even bond fund may earn less in some years).

For investment, we cannot just see the distribution/dividend, but also need to consider the capital gain (even just paper gain).