sorry guys, 1 question here regarding fund's equities exposure, can a fund's equity exposure is of >100% ? and its money markets exposure is <0%? I mean can this happen? is the fund manager leveraging?

Equity unit trust is as same as the share. They used the fund money to invest into share. Whether  the unit trust NAV move 'big or not is related to its portfolio value.

The movement of unit trust is not so obvious is because of their portfolio which is more diversifed and mainly hold some blue chip (some fund not depends of fund type and its manager strategy). Normally, large cap and blue chip movement not so drastic compared to those 'goreng' and small cap and with diversification, it average up more with lesser movement on its fund performance unless all its portfolio goes up dramatically altogether which seldom happened.
Like even index hitting new high, still some stock like Maybank still doesn't go up.

There is NO REAL diversification for domestic equity fund.  With 50% of the KLSE owned by GLC or GLIC, one single share holder controls the whole market and is the major share holder for most public listed companies.

Dreamer

Leekk8,

We can start by NOT lying to ourself that we have diversification in domestic UT.  Since we have NO diversification in domestic UT, UT is not safer than individual blue chip stock.  The rule in oversea about mutual fund / UT is safer than individual stock does NOT WORK in Malaysia.

Why you lie to yourself long enough, you start to believe the lie as opposed to the cold hard truth.  This lie will cost you a lot of money!!!

<<We're not able to invest oversea market>>

That is not true.  You can invest in global UT or open a US stock brokerage A/C and buy ELF.

Dreamer

Unit trust (equity) is as same as investing in stock market. They used your money to invest in stock market.

I think people have wrong perception it is safer than stock market because 80% of the retailers in KLSE like to buy those 'goreng' stock that's why it is different than unit trust since unit trust managers normally (it depends also) buy those blue chips and more based on fundamental compared to retailers who always like to buy those tips and rumour stock.

If you know how to invest and have sufficient fund to do it yourself, it is much better than unit trust since you don't need to pay 1.5% management fee annual and 5-6% entry charge. If you have discipline and knowledge about the stock market based on fundamental, you can easily also surpass their performance also. Discipline is also a key to success in stock market.

You guys are highlighting dividend shares while I'm more interested in dividend funds ... should the same concept applies?

regards dividend fund and growth fund, generally around this 3 years the roi for growth fund is better than dividend fund.we can have a simple comparison by visit site like public mutual,see the difference of their dividend fund and growth fund perform.

please note above statement is only mean to growth vs dividend fund in unit trust.not about growth type share vs dividend high type share.

If it is guaranteed return, I guess none of us will have a chance to invest as it will be snapped up as soon as it is available. Anyhow, capital guaranteed fund is good if you are in the low risk investor category. Besides,  the entry fee is only 1.5% and it is managed by SocGen.

hi to all sifus,

would like to ask is its not a good time to invest in equity fund.. globally equity is on the hifh side..

osk juz launched a new golden dragon fund..
which invest in china market and malaysia bond market.
overall i would like to know more abt invest on the market high side..thz