yeah but normally i dont trust those too much coz they can simply buy good stocks just b4 the closing report to make it look good.

Normally if you go to their investment manager or unit manager, he definitely have access to the most up to date investment portfolio (even if its only top 10)

Yo Ppl Ppl ....so wat portfolio investment fund is the most hot in town nowadays??....or any unit trust fund or capital guaranteed fund that is just started and performing quite stabil??

Info info dude ...seeing u all debate in here n like this make me quite interested...
I heard from my part of town that the portfolio investment offered by banks are slightly more better than the others...comment comment??...

thanks..will get back to this post...so interested

Yeah i agree with you, some agents always sell on Past; even me. But how could you tell that certain fund really perform and will give higher returns in the future without looking back on its past records and its performance?

The Past Performance just a reference on how well the funds goes thru the market conditions at that particular time. Eventho we cannot take Past Performance as an indicator of Future Performance; as a unit trust consultant we are professionally trained on how to minimize all the risks thru diversification of your portfolio/investment and do some proper switching method.

With this past records performance, its also an advantage to investors to choose where should they put their money to invest in and expand their wealth.


my 2 cents,
pidah

bro, why dont u ask your unit trust consultant or agent to switch all your equity funds to bond fund. Currently the composite index is very high lorh.. better park your investment in bond fund for awhile until the CI going down abit. When the CI down, the price of bond will increase. It quite risky to put ur money in equity for these moment.

This post has been edited by pidah: Nov 22 2006, 01:27 AM

I'm not sure about the percentage you are giving.

When you say 12% for 3 years, isn't it better to put in FD? FD gives 4% per annum, that's 12% for 3 years. It's the same, so why put in Mutual Fund?

When they said want to increase fund size, is it good or bad news? How it will affect the current fund holder?

nowadays alot of unit trust customer convert into capital guaranteed investment.

most of them from rural are changing dramatically into those capital guaranteed stuff.

I always heard they say 'unit trust cannot be trusted 1 ~'

Some information link about Public Mutual fund performance and Total Returns
http://www.publicmutual.com.my/application...erformance.aspx

When they said, they want to increase fund size actually its a good news, Normally that fund potentially can give higher returns to the investors and at the same time can attract more new investors to invest. As the fund size increase, it also can minimized the assets iquidity risks involved.

This post has been edited by pidah: Nov 22 2006, 01:15 AM

dont just listen without do any research or smthing... if unit trust cannot be trusted 1, why unit trust is approved by the government and regulate by the Securities Commision (SC) & Federation of Malaysian Unit Trust Managers (FMUTM)?

This post has been edited by pidah: Nov 22 2006, 07:32 AM

capital guaranteed funds are strong challengers of unit trust.

Capital guaranteed funds are unit trusts.

I know. I'm just referring to the new breed of such funds.

Sorry for the inaccurate statement.

Edit, you are one rich man to be investing in Trust Fund and Equity Market... Normally for me, trust fund is something I will put my EPF funds in. No point keeping them in EPF and getting 4.5% or so from it. So, I will park it in Trust Fund.

Putting money in trust fund depends on your Risk profile. Under bull run conditions I am sure the Index and Equity funds will fly with the CI, so if the Agent tells you monthly savings, I have only this to say, I wont do that as you need to switch funds in order to maximize returns. There is no such thing as park it for 5 years and you get xx% returns.

I was under that mindset but 1993/4 changed them all. See 1992 was the year of the Super Bull Run, and all fund agents were happily sharing 5 year fund growth in access of 100%. Mind you, I feel for those flers who park in their funds hoping to hedge against market downturn. There are many of them still caught in 1993/4 funds that just managed to break even 12-13 years after.

Hence, you need to switch funds according to the season. Bond funds low returns but stable. Mix funds, its like staying near the equator. I normally stay away from mix funds. For me its either Bond or Equity depending on season. It has been good hunting over the last 30 months.. I hope it continues but with 1992/3 in mind... the good times wont last forever so make hay while the sun shines..

my 1st investment on fund = 5% profit after just 5 months. the profit will roll bigger and bigger as the unit price increase + next year dividen.

Sorry mate, was busy doing some calculation last 2 days ago. That is just a rough figure... and if I said, unit trust/mutual fund for sure making money. and like sky high margin. I might be in troubles later.

Let's see one example here, for studying purposes only. While data collected are real time. And it's really that price at that moment. You could check from Share Website for genuinity... if you interested.

PB ASIA EQUITY FUND as at 22th Nov 2006
Initial Unit Price as at 5th July 2006 0.2500 RM
Amount invested 12,000.00 RM
Free bonus units 480.00 Units
No.of Units held i.e (Amount/Initial Unit Price)+Free units, 48,480.00 Units in total.

Current unit selling price 0.2811 RM
Current Total value 13,627.73 RM
Value increased as at now 1,627.73 RM

As you can see above... it yield at about 13.56% from July 2006 to Nov 2006, in lesser than 6 month time. Personally, I like Unit Trust much more Shares... Lesser headaches. If mate the person above... will you sell it?! but I think it's better to keep loh. A long term investment... keep it for 1 or 2 years.


edited: typos

This post has been edited by edifgrto: Nov 22 2006, 03:49 PM

Depending ah... Edit.. Under current market conditions... you can get 15% - 20% in 2 trading days.... while you earn a puny 0.8% on Unit Trust... over 2 days as well...

Agree 100%. I also got some shares. But not as easy as Mutual Funds. About 3pm today, I just bought 10000 units of one of them. Dropping now,


edited: mistake.

This post has been edited by edifgrto: Nov 22 2006, 06:06 PM

whoa... 10,000... rich man! I went in intra day 5000 shares oso legs shaking like uncontrollably.. kekekeke..

Edit, mutual funds have its pitfalls too... as a matter of greed, I lost out on the last cycle of switch... so I endured 4%-5% of downturn only for it to be recovered after 3 mths or so.. phew... but happy to report as at today I am making on average 16% annualized return p.a over the last 2 years. If this goes on for the next 10 years... I think my EPF funds will pale in comparison with the funds I have in mutual fund..

maybe it's 0.2 per unit only.

This post has been edited by ky_khor: Nov 22 2006, 06:18 PM