sexual discrimination.. hmph

Hehe sure there got tonnes of info, but so is here

If this is the case, say, if I purchase a PRS for Kenanga.
Do I need to liaise with FSM for top-up, switching, withdrawal?

And as far as monthly/annual statements go, do I get it from FSM and/or the UT provider I purchased?

So, let's say I put RM100 as initial for one of the funds provided by FSM, what is my return rate of any trust in within 5 years to 10 years?

as like any investment, no guaranteed return for any of the funds i can show you some fund's return for the past 5 years, some reach hundreds of %. but then again, referring to past returns are not indications of future returns oh

u're Public Mutual agent right? i think u know better than us in terms of risk / return for the funds

This post has been edited by pisces88: May 1 2016, 07:36 PM

U can assess d performance on DIY basis when u click tis
http://www.fundsupermart.com.my/main/fundi...undReturns.svdo

Depend on the fund performance. Some people here manage to get double digit.
There was a person here who was buying public mutual fund and switched to FSM. Forgot who is it. Might want to ask that perosn how PM fund vs FSM fund perform.

You can ask sifu xuzen a former public mutual consultant. How did his fund perform.

This post has been edited by Ramjade: May 1 2016, 07:55 PM

no guaranteed return

inb4 past returns are not indications of future returns

Yes. Thanks for all the great advise. Nope, in future, we can do our own investment as diversification. So, just wanted more details and what you guys gave is awesome.

Just buy anywhere despite the risk factor, enjoy the road of profit & loss as a lesson!

hi, need some guidance from the sifus here.
My ponzi 2 and global titans are at -8%.
i am hesitant to top up..if I top up on them, my portfolio allocations on these 2 will be getting bigger since they are my main UT...

hmm if hesitant to top up, maybe can switch to other funds ?

Dear all,

Wanna double check how shall we calculate our fund growth.

Let's say for a fund, i bought one year ago, the price is RM0.20, I spent RM400 to buy 2000 units. Between one year ago and today, the fund distributed dividend at RM0.01 per unit, when the price is RM0.30. Today, the price is RM0.25.

Neglecting any management fee, so my fund growth is {[(2000*0.01)/0.3+2000]*0.25}/(2000*0.20)=1.2917, 29% growth?

you got 2000 unit at initial investment = initial value (IV) is RM 400
today how many units you got in total?
multiply that total avail units with the current NAV = current value (CV).
CA-IV = x value...do the maths with IV to find the % of gain or lost.

try use this tool?
input / select required input...then wa-lah....
Fund Returns lets you derive the performance of a fund over the specified period.
Fund performance is not available for funds with a history of less than one year
http://www.fundsupermart.com.my/main/fundi...undReturns.svdo

This post has been edited by T231H: May 2 2016, 06:06 PM

Thanks sifu for the tool, I've now bookmarked. Apparently a lot of the funds are not performing well over the past year.

Relatively new to this, just wanted to double confirm if my concept of calculating the dividend is correct. Thank you for the explanation

sorry...I cannot confirm as I don't do serious maths.
I just calculate
(current NAV x current unit available) - invested value, to get the profit or lost value in RM
than if I want % I do another simple maths cal.

Can that work in UT? We don't need to do IRR our some complex excel right?

This post has been edited by Ramjade: May 2 2016, 07:57 PM

yes, it can works in any investment.....just that you are not sure how efficient is your investment.
ex,..a quick glance the ROI (previous calculation) can gives you a very high ROI of lets say.....100%...but it is just part of the story.....for one does not know how long had the investment be......if that 100% ROI is 2 years or 50 years.....the IRR will tell you which one is more efficient (based on historical returns)...

By default, man on d street will utilize ROI to measure performance

yes, me too before I joined this forum....

How about count the ROI every year, divide by the number years you have invested? Give a much accurate answer. No?

the answer is not so straight.....for simple estimated calculation...can use that.....
in post # 1, FAQ # 5...got a simple chart that explains and also there is a formula.

see a very well explained post by forummer idyllrain in post 2377 about IRR things.
https://forum.lowyat.net/index.php?showtopi...&#entry76580122

This post has been edited by T231H: May 2 2016, 09:04 PM