calm down la buddy. these new guys just seeking free advise and do not want to do their research and still ask stupid questions.

Yeah, but what happen in scenario A say after 6 months, the NAV becomes RM1.0000 again? 200000 units x RM1.0000 = RM200000?

Or what happen if after 6 months, the NAV becomes RM0.2000?
200000 x RM0.2000 = RM40000

You didn't include in time in the example above. That could be correct if directly straight after distribution. But what happen say after 6 months? Everything changes after a certain time. Please explain with time factored in.

not to say i didn't do my research.

i understand that when there is distribution. it means nothing. as my total value already inside remains the same. just the units get diluted.
I got confused on the buying part. maybe can say my math fail. but yes I got confused and I asked. Sorry bout that.

  ><....seems like i stirred everybody up this morning.... ><

Typical produce of our broken ahdoi-ka-shun (education) program + handouts/crutches program.

Salute the bros & Pinky repeating the same thing again & again (good stamina from Vietmoi? ) when it's obvious 101 basics.

Ahem... the person who is challenging the basic principle of unit trust investment is also someone whom I remember saying "ASX is equivalent but more superior than fixed deposits" 

So honestly, I'm not surprised and I would just ignore. I've given up highlighting to people that it's clearly stated in ASX master prospectus that neither the capital nor the dividends of the funds are guaranteed... so seriously, which part of it looks like FD other than you can redeem immediately

Yaya... and they pretty much ignored it altogether... 

Actually it could be a loss-smoothing too you know

Boss, you are accountant by profession right? Go and read their financial statements, it's eye opening 

btw,..i think @pink had come a long way to be so patient and allocating since May 2013....see his reply to my question....
BRAVO...     @Pink

Sorry bro, Pinky Spider My mistake. I think I start to understand about what's posted on front page.

It might not be highlighted in the MP about capital and dividends guaranteed. Well I list it out how it's equivalent and superior to FD.
1) You buy and sell at RM1/unit. You tell me how can your capital is not guaranteed unless pnb goes kaput?
2) FD interest most is 4.X%. ASX FP have been giving out consistent 6.x% per year. Yes is not guaranteed the dividends but think, if they give less than that, how many people will pull out? Now, we can't have that can we. Besides they have reserves to give consistent returns to during bad times.
3) National interest bro. We can't let something happen to national interest can we?

So now you have it, capital is "protected". "Consistent" of >=6.X% returns per year for >10 Years.  What more you want? May not be FD, but it looks like FD.

I'd like to know how much I made or lost, however ugly it may be. And after 2 years of putting money in unit trust, I think I can handle the occasional ups and downs

You know, with this speech the unit trust agents can go sell VP funds from the better performing fund house jor.... to the people who are heavily invested in ASX

Some days I do feel like I want start providing unit trust portfolio set up and monitoring service to people, ever since I started doing it for my mum, cos it's not difficult really; and as long as I can beat ASx and public mutual net of fees, people would love me 

But I say only... very scared to lose other people's money

@pinky, you use CMF as your FD?

To be sure, this article is more relevant to stock investment.

We know glove makers and construction companies benefit from the budget, but which funds have large holdings of these stocks?

Totally... that's why I didn't do it although a friend say why not and was willing to pay a fee for it

But for my mum and sibling, different story la. Even mother in law I'm reluctant

This is how I do it, for those who might want to go into it. I open a FSM account under their name, let them determine the password, all personal details is linked to theirs so that if touchwood anything happen (like we are no longer in speaking terms, touchwood no longer around), then they can just change the password that I know and continue to run with it. Bank account details also theirs, so if I want to take the money for personal gain also cannot

Then they bank in the money and I put through all the instructions like normal lor. If I charge a fee, I will put through sell order then they will pay me after they receive the money. And for the fixed return annually mutually agreed, I'll put in sell order and they get their annual ASx like 'dividends'

But if you turn pro, Xuzen's wrapped account may be more advantageous from transaction fee perspective.

Confirm Pinky got interest in FSM

Then where do you guys park  ur emergency fund? In biscuit tin?

Isn't Pinky's idea the same as mine? I probably learned this trick from him over the years also....
Ideally CMF should not have a lot of funds, because one should stay fully invested other than for emergency funds; but I'm too haphazard and sometimes just keep it in CMF when I don't feel like I should buy anything (because it was too high, or it's falling  )

Ur waifu not ur current profile pic?