So far I never try switching, but I keep pidah's statement very well for references. Just in case if when I think of a need to give it a try. i.e. "when the Composite Index going higher, the Fund Manager will switch the Equity fund to Bond fund/Money Market Fund (Fixed Deposit) where as here you will gain more RM."

This is something called OFFSHORE FUND. For example, take a look at Prudential page. It got 2 group of funds price. Top dated as at 17th, and the bottom dated as at 16th of the month. This is because some of its funds(that bottom one) are invested in oversea market. Thus, for the transactions done in oversea. They need some time to calculate the gain and lost. Thus, what you seeing in CIMB is dated 16th on 18th January 2007. Meaning that, let say if you want to redeem all your units in one of your funds. The NAV is only based on the third day from the day you decided to redeem.

hmm mm,... example make things clearer...

Suppose you got 10000 units of one fund.

Day 1, NAV is 0.5622
Day 2, NAV is 0.5625
Day 3, NAV is 0.5680

Then in day 1, you wanna redeem all your units. You won't know your actual value you gaining back later. But only till day 3. Thus, the amount would be

10000 x 0.5680 RM

= 5,680 RM



PS: if in Day 3, NAV is 0.5600(means decreased, touch wood!). You would gain back 5,600 RM.


This post has been edited by edifgrto: Jan 18 2007, 02:43 PM

hehe, just doing some homework here! Thanks for the correction.

Something to ask, let say now... I see this Public Smallcap Fund is the current year top gainer(in RM and in % as well). Where its NAV: 0.6622, Current Year Open: 0.6364, change: 0.0258, change%: 4.05. Information gathered from OSK188.

So, is it advisable for me to switch my fund to this Public Smallcap Fund?! Or I shall switch to its making-lose-funds(as at current moment). Which one actually more beneficial? Your advice is highly appreciated.


For me is not really, wait for your insider information.

This post has been edited by edifgrto: Jan 18 2007, 04:12 PM

cstkl1 said,
generally for now i ask those who invested during the 800-900 ci..
what was their target investment goal vs investment time.
if they achieve.. .well enchance bond fund after the dividend on jan 31st
To be honest, I dun have much sense in terms of Wealth Management. The most early fund was only done since 15th December 2005. In a way, I'm very newbie to this Mutual Funds stuffs. As last time, I just kept it, never bother to study it. Personally I have never thought of target investment or how long I going to keep them as a fund-with-target?! Thank you so much that, now at least I know what to do when me met my goal(yet to be set).

the new fund offers a good entry also with the 1 percent discount.

smallcap good fund a hell of a lot of risk. so again u know what u read and its up to ure judgement. again ure riding on the malaysia ninth plan wave on this. so again this is more to fundamentals rite. if technical well lets look at where the 40 percent of the "dough" is invested and then well the usual check the fundamentals of the companies, cash reserve strength, etc etc etc...
haha,... see?! I asked you about this switching of smallcap fund. Yet I do not know it's an Aggressive type of fund.

remember most unit trust agent even myself usually aim for the golden age groups. time we spend vs money earn. so our advice on younger generation tend to be a bit limited cause they tend to be more " adventerous" while the older group tend to have learn from their mistakes from the past.
Very difficult to ask somebody whats their target invesment and target investment date from a younger generation.
True, true... now I start to understand why those bank booklets showing/sharing of how to enjoy life. But not persuading the readers keep thinking on how to make money all the time.

also u shouldnt look at unit trust fund on a year to year basis/ look at it in financial year basis. thus u can judge the fund managers management performance.
hmm there was a chapter on a book on this..financial year vs julius year something like that..cant remember the book name.. it was just the authors point of view on it... interesting read.. but again actually i shouldnt use the word shouldnt up there.. everbody has a different take on things...
Financial year basis?! My account/financial knowledge just blank paper... would do more researches on that. Thanks!

This post has been edited by edifgrto: Jan 18 2007, 07:54 PM

Just a little story here. I got one friend who so expert in share market. Can talk none stop,... talk until my desk all with slaver. And i listened to him, Do not buy Bursa...

Really @#$&88!!!!*()!!!

Actually it's nothing special. Just a minor issue for some laugh, perhaps.


Noted. Thanks for the reminder.


Brother, the attached file can't be downloaded. Just for your information here.


As I know, no one ever mention about that 3 top guys information before yours. I came across this MAAKL before, browsed its website. Personally, I won't because of the changing of the staffs. Then I gonna shift my investments. but I might invest in MAAKL too, as thinking not putting all the eggs in one basket.

According to my home work done in www.lipperweb.com.
Better equity Funds are MAAKL Al-Faid(1 group award) and MAAKL Syariah Index(2 awards, 1 individual and group awards respectively).
MAAKL Progress is performing real good if me remember correctly.
They(MAAKL) currently dun really have better bond and Mixed Asset funds.

Better here means, being available for 3 years, got awards. And Total return, consistent return and Preservation are rated as BEST or 2. My criteria is a bit simple.

PS: correct me if I'm wrong.


Have not encounter this news yet. What newspaper mate came across of that?

This post has been edited by edifgrto: Jan 24 2007, 06:49 PM

So, recently got these

*Public Far-East Balanced Fund
*Public Global Balanced Fund
*Initial offer Period: 21 days commencing 23 January 2007 to 12 February 2007
*
*PRUglobal Basic Fund
*Initial offer Period: 21 days commencing 17 January 2007 to 6 February 2007

I chose Public Far-East Balanced Fund. Anyone got any cake in these 3 funds?


Structured Product type funds

Other than this, there is some types of fund using the capital guarantee/protection policy for your investment appetite(or taste). So, if any one got any extra $. Yet dun hope to have any risk. Might considered some funds with the trend of Structured Product fund(not the same as the ordinary capital guarantee). It's quite new in the fund market(around 2 years). Being brought in by the local financial companies. Minimum investment is higher, at least RM 5k. But this type of fund in essence is for the financial companies to do their depository. I mean, between fund manager and the other financial companies. They doing it in amount of 2.5 million ringgits per entry(minimum). Return is a bit low(generally),... at about 6% annual rate for 3 years(or no return at all?). Some financial people said, this kind of fund need at least 5 years to have much better returns.

One strange observation that I have, i.e. this type of fund won't be much affected by the share market at all. Or in other words, it has the least affection by the share performance...



edited: new fund added. And, typos

This post has been edited by edifgrto: Feb 2 2007, 10:53 AM

3000% within 3-7 years... No, thanks. Not really interested in such return.

No thanks. Could you please create a thread for your 3000% return in 3-7 years?! Perhaps, you can have more attention from your works done.

Oh... that kind of investments(that pinned one)... can goes up till millions ringgits?!(no wonder me dun understand, ) Brother,... really not my cup of tea. ><" Thanks for your sharing.

edited:


Mate, yeah... I chose the Far-East.

This post has been edited by edifgrto: Feb 1 2007, 07:43 PM

If me not mistaken, he is trying to say that,... it's now the time to switch to Equity Fund or invest in Equity new(newly launched one if any?) funds. Based on current condition...

This is the main advantages of Funding. And when suddenly a big bear pops up. Shares is kinda difficult to withdraw(Not saying Share no good, but the are chances of people might panic by that time. If not panic, any condition seems no problematic also.


Ps: talk is easier than done...

Well,.. for me... I am like reading too many good news recently. Current situations are,

-US economy might slowing down, US currency not performing that makes Asia market becoming more attractive(China got some credits here).
-CNY is coming soon
-The 9th (dun know what plan?) That pushing behind?
-By the year 2008, pilihanraya?

So,... a bit hard to asked people not to dream of something too pretty...
Current doubt is, the China Share market.

*just personal opinion*

This post has been edited by edifgrto: Feb 8 2007, 10:38 AM

Hi mhui,


Public got
EQUITY FUND

*Public Far-East Select Fund
*Public Far-East Dividend Fund (new)

BALANCED FUND(Some people named it as Mixed Asset Fund?)

*Public Far-East Balanced Fund (new)

The one you named as PB Far East fund is not available yet... As it would be under PB SERIES OF FUNDS category already.

Actually, no one know how long the market would be good? Like today, Friday,... the market is Then, by Monday,... no one know also. If anyone telling you that next day market would be good with 100% confidence. He just bull you...

Also, buying fund,... you need some time to recover. As they are some charges incurs. Anyway,... the Public Far-East Dividend Fund(since November 2006) is performing quite good with profit yield of 3.14% now(as at 8th February 2007). Therefore, can you see that... from November 2006 till February 2007. Then only I can tell its performance(i personally very happy with this 3.14% ).

While Public Far-East Balanced Fund(since 23 January 2007)... has not get ready into the market yet...

Does that give you any idea how does Fund works in any sense?

This post has been edited by edifgrto: Feb 9 2007, 09:01 PM

Hi mate, I checked OSK-UOB web page... and found,

OSK-UOB EQUITY FUNDS

*OSK-UOB Equity Trust
*OSK-UOB Small Cap Opportunity Unit Trust
*KLCI Tracker Fund
*TMT Focus Fund
*OSK-UOB Dana Islam
*OSK-UOB Emerging Opportunity Unit Trust
*OSK-UOB Growth And Income Focus Trust
*OSK-UOB Global Equity Yield Fund
*OSK-UOB Asia Pacific Fund
*OSK-UOB Global Allocation Fund
*OSK-UOB Resources Fund
*OSK-UOB Global New Stars Fund

Which one actually you meant? Sorry, i can't find any related information yet...
This OSK-UOB fund manager is quite strong too... You got any website or pdf file(related to OSK UOB GLOBAL EQUITY FUND) to download about(please check your brochure if any)?

By the way,... please check out this OSK-UOB calculator page. It can tell you something like

1. Investor Risk Profiling
2. How Much to Save?
3. What Is My Initial Lump Sum Investment?
4. What Is My Target Savings?
5. Which Fund Should I Invest?
6. Retirement Calculator A
7. Retirement Calculator B
8. EPF Investment Calculator

Personally I like this item 5. Atleast it gives us some ideas on how we can invest in OSK-UOB fund series, and which fund would be more appropriate?!

Not at all. You giving me a chance to study more about OSK-UOB's performance actually.

In year 2006, there are 42 companies being IPO(ed). 2 failed at last(internally). Resulting in 40 companies succeed. Yeah, the qualified companies is cut down about 43% as comparing to previous year(2005). And 30 newly listed companies got a gain(Highest gain is Kencana, if not mistaken). Only 10 companies make a lost when launching. This tell us that, we are having 75% of chance to make a gain in any new IPO(s) time. While the 10... does not really matters if we invest constantly, or equally.

This also telling us, New Stars Fund type got good potential(or selling point)... Some more managed by OSK-UOB. I think Bursa really did a good job in ensuring the quality of companies listed. However, in overall... this also made Malaysia becoming the least proficient country in term of capitalization(soli, dun know how to call it?) during IPO as comparing to other share market like Hong Kong, Singapore and etc.

PS: I'm not encouraging mate to invest. You can cater more information, make decision based on what you believe is the best.


cheers,


Being 2 days the CI continuing to drop. But if you check Public Mutual web page,


Taken from Public Mutual on 12th Feb 2007

The decrease rate is quite low(for PGSF). In another means, same situation in upmarket trend.

If mate wanna take more advantages in performance, you can choose to switch to different fund type. But choose to switch to higher return funds, giving you higher return. Your risk is higher too.

When you wanna sell it off, the best is choose the day when the CI is increasing. Then go to the bank before after-office-hour. The price you selected to close most likely would show an increment. I closed one fund as is matured by 7th Feb 2007. Thank goodness that, just before the CI about to drop.

Thank you very much for the correction!


If talking about Mesdaq's new IPO, I would only buy shares in Main or second board ones(REIT excluded).


I only know a little bit of Malaysia's Market trend. But when you emphasized the 'Global', then me is better to sit quietly, and listen to you!

I see,... Bond and interest rate relationship, eh?!
I like bond fund just because it's more safe. Personally, I dun like too high risk type.


Have not do any home work yet. but I just attached one file related to most Capital Guaranteed Funds performance as at year 2006, in the first post. Got this UNI Asia and Maybank funds too. Could check it out for some past reference?!

Would get back to discussion after more reading...


cheers,

Their first Capital Fund was started since 31st March 2006. Gaining 1.63% by the end of year 2006.
Second Capital Fund since 8th June 2006. Gaining 1.96% by the end of year 2006.
Third Capital Fund since 21st Sept 2006. At -1.28% as at 31st Dec 2006.

Thus,
9 months, 1.63%
7 months, 1.96%
4 months, -1.28%

For further information, might be some members would know much better and more.

So,...
-CUBE=Commodities, CUrrencies, Bonds, and Equities
-potential returns is 6.7% annually
-90% of the fund will be invested in 3-year fixed income.

Actually 80-90% of most capital Guaranteed Funds would be allocated in fixed income finance products. Since the amount involved is huge, the interest rate is a bit higher(For capital recovering in 3 years time). And then, the remaining are used in risky investments. This explaining that why the minimum single contribution amount is RM15,000. The minimum amount is actually quite big sum, eh?

So far,... this
Might need further enquiry, if me not mistaken. It looks special to me...

Also,... this type of fund is quite hot cake. Once sold out, then it would closed for period of time suggested(3 years). Some people just want the capital protection feature. They dun really mind if making high yield or not? If got, of course good. Else, also does not matter... what the risk is only the inflation.


cheers,


In my humble opinion, the range of CI might be 1220-1260 for year 2007. If over 1260, then only 1300 would be another possible target. Globally, the share markets are increasing. It's not only in Malaysia. Singapore today hit an increment of over 50(closed at 70.28)... Similar cases to many other countries. If nothing goes wrong(no war, no disaster), the trend suppose to be continuously well proceeding. I can't see any risk hidden yet. but only from China.

edited:
Singapore Index corrected.

This post has been edited by edifgrto: Feb 15 2007, 06:38 PM

Well, due to pilihanraya that to be declared. And he(pak lah) and his team gonna work harder in these 2 years(which is great!). Something like doing some homework. Of course, all people would surely beneficial from it.

The news indeed said something very true. i.e. semua pihak seharusnya bijak menguruskan ekonomi masing-masing memandangkan kejayaan negara tidak boleh dicapai sekiranya dilakukan secara berseorangan. Personally, if Malaysia political policy is not welcoming foreign investors $$$. They(foreign fund managers) won't choose to invest here. The hot money that came, is so huge that could build a heaven(if keep coming). The opposite one... I dun hope to mention at all.

Hi mate, you can try this page.

Try these options
Registered for Sale: Select a country where funds are sold.: Malaysia
Select An Asset Type: Bond
Select A Classification: All Lipper Global Classification
Search within a Fund Promoter: All Funds

Select a Time Frame: Overall

Select Matches View: Lipper Leader Ratings

But some bond funds are closed. As normally people bought them, then keep it for long. Therefore, some funds that showing good result might not available for us...
Plus that, some newly launched bonds might not have any information updated in that page yet. Mate still might need to pay attention to daily newspaper, perhaps.


cheers,

This post has been edited by edifgrto: Feb 25 2007, 06:01 PM

Reporting, 27th Feb 2007... is really...

Well, today is like a benchmark(downmarket). I gonna see how the funds performing by tomorrow. My overall profit yield in funds is only 2.62% as at now. Tomorrow(or 3 days later) would come and update this post once 27th Feb 2007's result is shown...

The attached files are snapped from http://www.osk188.com/index.jsp . Hopefully it's fine for me to attached here.
All credits are from the OSK188's website.


cheers,


edited:
Okay,... within 1 day,... it changing from 2.62% to 1.64% as at 27th Feb 2007. 28th Feb 2007 not being included. This 1 day is really...



This post has been edited by edifgrto: Mar 1 2007, 05:55 PM


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