how come i forgotten about this(topup) already...

aiyo... me share market losing $, UT also lose money...

really dun know what to say already...

I just want

2007-2107 a mini bull would do... please!!! ^^

100 years of time is enough for me...

Now we can see the benefit of UT? No?

1) I am actually happy today cause I can topup my account to get more units

2) If the drop continues, I wouldn't be afraid cause this is meant for long term investment

3) If it drops further, I will switch my UT Bond to UT Equity fund

4) The UT fund is diversified and hence the impact compared to direct investment is lower

The main benefits of UT is diversification.

1. I wanted to top up but no bullets already.

2. I am not going for long term, but I am not afraid also, lose some unrealized profit.

3. If it drops further, no point switch to equity fund. Switch at the right time when it is climbing up, not going down.

4. Comparisonly, the UTs will lose slower than stocks if market goes down.

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Added on August 6, 2007, 5:46 pmWe should be talking about stocks here. Paiseh.

Anyone top up on his UT today or do switching today? Or redeem his UTs?

You are correct that we hardly can predict. Switch day by day will cause you lose unnecessary switching fee, unless you are mutual gold.

PIEBF, another hybrid. I think I still have a small amount in PEBF. It is good to take this when the market is volatile also but we are not totally immuned since PIEBF will hold some equities also.

If it has the similar good performance as PEBF, I might consider this as well. PSBF is good but it stays more on the conservative bond category.

a lot forumer here plan to increase their top up money in the recent two weeks ,what i want to say is this strategy have some risk,we actualy dont know 'how low is low',if the price keep drop for a long period and you keep on double or xple you investment top up,you will ended up like those who stug in share water.

for those conservative investor,can consider top up as your usual amount.

You are correct to test the water but bigger top up would not be a wise move. Probably you increase your average cost per unit. Probably the market would not be up for so long.
It is very difficult to TIME the market, need some luck most of the time.

You guys should make a discipline to set a target range to top up as well...I will only top up when the price fell 8-10% more than my latest entry NAV. Anything less I don't bother.

Take PCSF for ex, I did my research and didnt enter when it first launched. Now, I think it's getting more and more attractive. But I still set my entry price to be 0.215. If it doesnt go below that, forget it.

I check the prospectus already. Confirm NO addtional SERVICE CHARGE if you were charge 6.5% once. Just have to pay the switching fee. When you paid 6.5% for your units, it is called 'Loaded Unita'. No extra 6.5% charge again.

For switching from bond/money market fund, you pat 0.25% only and it is called 'Low-Loaded Units'. So, if you switch to equity, you need to pay 6.5%.

You need to be charged 6.5% ONCE only if you are playing switching to and from equity fund, including the initial service charge. Plus whatever switching fee.

This is why short term timing doesn't work... in funds switching, we go for mid to long term.

HLG Unit Trust says latest fund is timely

KUALA LUMPUR: HLG Unit Trust Bhd is confident its latest fund - HLG Asia-Pacific Property Income Plus Fund - will perform well given the rapidly growing demand in the for Asia-Pacific property sector.

"The timing is excellent and this fund has been structured to capitalise on the thriving property sector in this region," HLG Asset Management Sdn Bhd executive director and chief executive officer Richard Lin told reporters at the launch of the new fund in Wisma Hong Leong on Wednesday.

Lin said that this fund would primarily invest into fixed income securities to seek regular income and stability of capital.

"Also it attempts to gain long-term capital growth by investing into derivatives or options that offers exposure to Real Estate Investment Trusts and property related equity securities from the region. 

"The stock market has good prospects for the next twelve months due to the strong underlying economy and the current volatility is due to external disturbances," said Lin.

He added that rising rental incomes and lack of supply in countries like Singapore and Hong Kong would contribute to the overall performance of the fund. 

Lin said that the recently launched HLG Asia-Pacific Infrastructure Fund was a tremendous success. Its initial fund size of 400 million units was fully subscribed within six working days.

"HLG subsequently increased its fund size thrice to a total of 1.1 billion units. 

"HLG's has a total fund fund size of RM2.31bil as at Jul 31," he said.

HLG Asia-Pacific Property Income Plus Fund has a total approved fund size of 600 million units priced at 50 sen per unit during the initial offer period from Aug 8 to Aug 28. 

Minimum initial investment is RM1000 while minimum additional investment is RM100. 

This fund is distributed through HLG's Unit Trust Bhd's agency force, Hong Leong Bank Bhd, Standard Charterd Bank Malaysia Bhd and ABN Amro Bank Bhd. 

URL: http://biz.thestar.com.my/news/story.asp?f...07&sec=business