have we noticed that these are funds managed by or basically controlled by the states?
CMS is controlled by S'wak G'vent.
I'm little skeptical in investing in this sort of funds with influenced by a certain political party.
But the rewards is indeed attractive for this:

but than again by looking at that example, how much was the fluctuation in price during that particular period (22/06/2006 - 22/06/2007) for that 2 funds?
Was it steadily increasing or was there surge and down peak here and there?

one thing I would like to ask quite a long time.
we've known that UT is controlled by fund managers and the success of the fund is basically on how the fund managers invest...right no?
than how we usually evaluate a performing or eventually how we choose a is usually based how strong it's past performance....agree?
Basically we're talking about history.....
So who actually looks at the future or evaluate whether or not its a good fund or not?
Look at the usual openings of a government related funds; everyone flocks in and queue from morning till the bank close just to buy the fund because of past histories.
What will happen in the future??

This is the topic I dare not bring up with my gf as it would contradict her work as a UT seller.
So anyone can enlighten me?? Or correct me if I made the wrong assumptions?

I do understand the concept of "confidence".....which is being portrayed.
But does one ever asked this silly question that I had....
who was the fund manager during that era? and who's the fund manager now?
For instance; football....under the era of a certain manager, that particular clubs grows. But than comes a day whereby he retires; someone else takes over the club....are we still holding the same water saying that based on past performance and confidence in the "managerial" quality of the team that it's going to perform? We need to focus on the different managers, aren't we?
Just a silly thought and inquisition...pardon me for my naive ignorance.

---

Added on June 26, 2007, 2:54 pmthus one thing I would like to advise UT sellers out there; is not too always focus on selling based on past performance (which apparently is the main lingo).
I would prefer a seller convincing me why this fund instead of that based on an economical analysis.

This post has been edited by b00n: Jun 26 2007, 02:55 PM

but would all agree that most UT sellers out there can't really relay those message?!...

We're commenting on "most" not "every".
Obviously we all like to deal with agents that you mentioned, but how many does we come across statistically?

Yes, by changing agents meaning to say we need to withdraw the initial investment and re-invest via another agent; thus another initial service charged.

ohh....thats' a new thing to me. I never knew........kekekeke
thanks for sharing

Another stupid notion for debate from me.
Most of the time many UT companies will promote the new funds and most of the time when you look at it historically, you'll find that most new funds increased fantastically fast at initial stages.

I'm thinking whether or not it's because they're pushing the investment so hard, thus everyone is in the craze of purchasing and investing in it. The effect of this would obviously make the fund increased like mad.....do you think?! So that is my own reasoning why new funds are statistically performing much more better.

Someone correct me if my presumption is wrong.

but by injecting capitals into the fund (that's what we're doing by investing); indirectly we're influencing the equity market in China too....(quoting your example)

okie, thanks for proving my skepticism wrong...
hehe
at least I learn something new to me.......

This post has been edited by b00n: Jun 27 2007, 02:19 PM

google and you'll find wikipedia eventhough I don't 100% trust wiki.
But hell...good source of information:
http://en.wikipedia.org/wiki/Bond_(finance)
http://en.wikipedia.org/wiki/Equity_investment

just type bond investment or equity investment and you'll find tons of information for you to read and filter.

For those EPF investor out there, you guys must realise that eventually the money is going back to your EPF account if you're to sell your unit.
You still can't withdraw it until retirement.
Just a note to all who deosn't know.

yeah.....that I'm curios too...
I just know the rules; but how do EPF actually track...
for i.e.; I withdraw EPF to invest in one local fund, 1 year down the road; I switch it to oversea fund, how does EPF know?

errrr......still haven't listed the website and I think this is the first time I've heard about 40% return in a year....
hhhhmm....sounds skeptical unless you can proves otherwise..

look at his siggie and you'll find this:
E-Gold Exchanger web http://tukargold.m3nghua.com/

---

Added on July 16, 2007, 4:49 pmthis is from wiki:
http://en.wikipedia.org/wiki/E-gold (i don't trust wiki that much but hell it's a good start to look fro infor)

This post has been edited by b00n: Jul 16 2007, 04:49 PM

nope....but that's the investment you're talking about right?.....
similar to FOREX...right?
care to explain more?

may I know what fund??....
50% return in 8 months.... don't think I've heard of it...if not, my gf as an agent would be bugging me like hell already...
kekekekekeke

---

Added on July 20, 2007, 2:50 pmIf I remember the preachings from my gf correctly; switching without additional money invested wouldn't warrant any service fee.
That's why a responsible agent would promote switching instead of asking the investor to sell and re-buy.
But whenever additional money is pumped into an investment; that's where the the service charges comes from. I.e. monthly standing instructions is subjected to monthly service charges.
Will confirm with my gf tonight.

This post has been edited by b00n: Jul 20 2007, 02:50 PM

It's the art of sales...needing perfection in a lot of cases.
That's why a better seller would try and explain everything and might suggest the potential investors to do their own research before taking in the plunge.
EOD investor should do their homework instead of letting the sales convince you.

I see a lot of times buyer complaining that this product cheats or the method doesn't work...
whether or not it's investment or MLM or direct sales...
sometimes I'm like just wanna go straight up to the face of the person and tell him/her it serves him/her right.
Either they themselves didn't do their homework. But if they did and they still chose that; than it's up to them to make something happened, i.e. more hard work in research. No use complaining. No money is coming into the pocket without hard work.

the main thing EPF wants is not for their cash flow to flow out...
that's what my take on why EPF decisions on forbidding investment in oversea funds.
Most of the times oversea funds are performing better. Thus UT seller would suggest that ppl take their EPF with the assumptions or theoritically EPF doesn't gives you back as much.
I think by analysing the trend of EPF investor in UT; it seems that EPF must have found out that the flow of EPF cash that they had are flowing out too fast. Thus the action.
That's only my own analysis which obviously EPF is saying the actual intention is to curb outflow of cash to oversea market.
Another notion is to save our own local market. Promoting local investment rather than oversea.
Anyway, how much total investment to be PM Mutual Gold member?

public mutual is not capital guaranteed...
only Amanah dares to guarantee your capital invested.