Yes, well said. But some banks do have agents as well, just that they are smaller in number.
PM has a very large force, that is why service is of great importance. This will in turn benefit the investors.
I have seen people recruit for CMS, just doesn't know where their agency is and place to buy the funds
This is the problem why a lot of people still don't understand about unit trust.

I have been in this situation before with one of my funds.
I saw better potential in another fund, so I switched it out.
Clearly I could see the huge difference that made.
So, even if your fund is underperforming, there are still other better funds to look at. Switch to those better funds when you found one that is better than your current fund.

Trustee is the caretaker for the money invested, but they do not involve directly in the management of the funds. They do have to approve all transactions involving the money that they are holding. It should be the fund managers' experience that count in unit trust

That is right. At the moment people are acting more defensively, and move with news.
Since the O&G and plantation sectors are expected to do with better results, people tend to trade selectively.
Coincidently, a few of our heavyweights are in plantation sector, so that made our market rallied, leaving majority of the stocks behind.
So what we're experiencing now is not a rally across the board like previous years, so small traders are at a loss because they have no chance to participate in this rally.

Dali is right at some of his points, but a thorough read on his article, he is stating it very generally across the industry, and at times includes the situation in US. So, his view has its points, but I doubt the accuracy of it. There are still companies that can generate returns that outperform their respective benchmarks repeatedly. So, you decide

India has its own huge population next to China, so as what Cherroy said, their wealth is great enough to sustain their own market.
If I am not mistaken, their per capita is quite high in Mumbai. With lots of developments now taking place around Mumbai and Dubai, the country is creating more jobs.
So, they still have the capacity to boost the market further when they're fully developed in my opinion.
By the way, which fund did you invest for India's exposure?

Ah, sorry for my mistake. It is one of the UAE, and not India.
Thank you for the information

As a reminder, during the subprime crisis, China also was somewhat decoupled from the problems in US, as what India is experiencing now.
A lot of people jumped into China's bandwagon during that time, because they have the same opinion as you have now.
So, will history repeat itself on India is still a question
Just a friendly advice that you have made your thorough analysis on this. We ought to learn from mistakes done by others, as well as our own mistake

Regards

I don't think it is possible to have 2 DDI for one account.
You can check with your servicing agent though, just a phone call will do
They are getting commision from your investment, so don't make their life so easy

Today's price, determined tomorrow.

That is true of what cherroy said. We may compare companies through their track record of consistency, but not funds. The performance of funds are affected by its underlying performance which would change rapidly from time to time. So we cannot just take past performance as the only measure of profitablilty.

In this case, the range of return annually that could expect would be from -30% to 70%.
As stated before, when market is good, UT can be good as well as vice versa.
Hope that it answers your question

Then I should congratulate you
I hope you can learn more from him/her for your own investment.

I do look at Lipper's, Morningstar and S&P tables for the comparisons of funds.
Basically, I look at it to see the performance of the funds thus far.
The tables don't really tell you anything, but you can have a rough idea of why are some funds moving a lot, but some funds are lagging behind.
That will make you think and do your due diligence before investing.

Dreamer, I just have a question to ask you.
Do we need to even have a savings account there to start our investment, or can we just link it with our local banks here?
Thank you in advance for your time

Regards

Sorry mate, but no free advertising.
I think it is stated in the rules

Yes, a good time indeed.
I am sure all my clients would be happy to put in more money.
I am looking for bigger commission this month as well

It gives agents the edge. Agents who do their work will get the business
It will come later on the website.

Agents are supposed to "slip" information like these
That is why we are an important asset to the investors.
If everything can be seen from the website, then there is no job for us already

Sometimes, we really need to think of this logically.
Since these funds are "actively managed" by experienced fund managers, will the price hit RM0.0000 and never to get back up again? Even during the crisis in 1987, 1997 and 2001, we can still see that market will come back no matter how hard it has been hit. It just takes time, this is the reason we are trying to advise our investors to invest for the long term.
History tells my friend, so do not worry. Our fund managers will not let the investors lose money, unless the investors opt to do so

Bro, with/without agent, the service charge still applies.
So, why not let us agents do the job for you?
In fact, agents do not only invest for you, but give out valuable advice to you for better decisions.
With agents, you do not have to monitor the funds yourself, since you have agents to update you.

No worries mate.
Yes, it is wiser to use agents.
This will be a win-win situation for both parties
If I am not mistaken, you have invested quite heftily in stocks as well right?
How come suddenly getting interested in unit trust?
Mind to share your asset allocation?