Fund Investment Corner, Please share anything about Fund.
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 Dec 27 2007, 07:09 PM
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#1
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Senior Member
2,850 posts Joined: Aug 2006 From: Stellar Nursery 
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QUOTE(kingkong81 @ Dec 18 2007, 07:56 AM) Do remember that Unit Trust is long term investment...you are looking at investment period of 3 - 5 years. Though signs of slowing down in 2008 from US is not too encouraging, if you are risk taker and patient enuf, it might be a good time to invest into high/moderate risk fund at a bargain price. Else, bond fund will be a good defensive measure. Define bargain price.  |
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Dec 28 2007, 06:53 PM
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#2
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Senior Member
2,850 posts Joined: Aug 2006 From: Stellar Nursery
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QUOTE(kingkong81 @ Dec 27 2007, 11:13 PM) same concept, buy low, sell high... Isn't funds more about holding it long term instead of constantly selling/buying? |
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Dec 29 2007, 07:11 PM
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#3
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Senior Member
2,850 posts Joined: Aug 2006 From: Stellar Nursery
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QUOTE(howszat @ Dec 29 2007, 06:42 PM) If you are happy with the fund manager and the performance of the fund - no problem. Given that almost all funds charge at least 6% total fees and inflation is at around 5%, to get 20% back the fund will have to perform at least 30% growth. And some managers/funds are good, and some are not. Which means that if you have got a not-good one, you might have to consider cutting your loses... If the fund's growth average 15% then it's just a 4% return after deducting the fees and inflation. |
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Dec 29 2007, 07:40 PM
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#4
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Senior Member
2,850 posts Joined: Aug 2006 From: Stellar Nursery
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QUOTE(howszat @ Dec 29 2007, 07:28 PM) You might not even get that. My point is - if the fund has been underperforming, you may have to consider whether there's any point in hanging on to it for long term. Sure selling it now may mean lower profits or even a loss, but is it going to get any better long term? That's the 800 pound gorilla no one likes to talk about. When will a big loss recover itself? No one knows. |
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