Is not hard actually

You just need to know what is your current fund value (if you have one), just the amount of units you have times the current NAV, e.g. 1000 unit * NAV @ 1.05 = 1050

This value will then divided by the investment amount you invested in (assuming you only invest once) e.g. 1000

Then minus one from the calculated value, your ROI will be 5%

This method ignore timing, just compare your ROI with just final and initial value.

If you included the amount of timing, say you already invested 3 years, then your annualized ROI will be:
(Current Fund Value/ Initial Investment) ^ (1/your investment period in years) -1

In this case (1050/1000) ^ (1/3) - 1 = 1.64% p.a.

If you made multiple investments throughout the investment period, the above metrics my not be as meaningful generally, you will require IRR (internal rate of return) metrics which require excel to calculate

THe method is the 1st type of ROI I mentioned, i.e. the total return throughout your investment period without annualized and multiple investment

more units =/= more weatlh, else you will kena whack by some fsm sifu

simply speaking, depends on the return later, more units is like a double edge sword, you can earn more when NAV up, so as losing more when NAV down

For that i think you need to keep a personal record excel to calculate it

Not sure about that, personally I invest in UT for long term (I still very young ), plus if I need to do it like stocks, I might as well go learn to invest stocks and forex

Generally, UT investment strategy, the internal content was handled by the fund manager, so IMHO, what we can do is understand the UT itself, does the region or sector or instrument the fund invested suit your style/teste, benhcmark against its peer then decide to hold, invest more or sell off

Others may be have different opinion to it, but thats my view as I am still new

Since FP only dependent on distribution, NAV performance is irrelevant.

They dont disclose in case people go and calculate then track every year see how many surplus/deficit they have compare to what they declare as distribution.

If year year surplus, but declare distribution still the same, on the surface they called it reserve, behind ... you know the money go where le

July minimum balance : 0

August minimum balance : 500 * 6.1% / 12

September minimum balance : 12200 * 6.1% / 12

Sum all = Dividend (Round to nearest cent)

Wa... smell fishy for the conflict between ASx and FSM

Anyway, it really depends on risk appetite la

Every investment vehicle have their pros and cons, as long as you fully understand what you are investing and not bound to mislead by others

Just don't put all eggs in one basket and invest according to your comfortable ratio

p/s: personally I will love to more on ASx FP if it is not limited to branch top up only so I really looking forward to their online system

I just see the conversation might strike something that may cause a fight or smth
chill chill

Every instrument have their pros and cons, one just need to understand and diversify only

I am still new in everything, so I will learn everything, from different perspective in each investment, nothing is perfect

Boasting smartness in UT will be just like boasting any other instruments, no matter stock bonds reits forex etc, too dependent or being smart or siding any single investment will fail you anytime

I just wish that once we learn, we can educate those who dont know, open their minds and choice, be more open minded and guide them

No need to let others negative talk influence us

Just be humble, listen to both sides, don't make counter productive arguments, just guide those who are new and willing to learn

Ignore those who insist to boast themselves to despise others

guy3288
I believe you have seen in previous FSM forum pages that discussing eGIA and CMF they already hoohaa liao

From there you already knew their view on "almost" guarantee type of return vehicle

I do not wish to engage another argument

I do not despise others who side either investment because everyone's risk expectation is different

I believe ASx is the baby step in learning to invest (although it really works similarly to FD but ultimately it is still UT)

I also believe I need to learn more from same age like Ramjade who knows more about investment than me

Still learning, peace

Yes and yes, but PM somehow lag behind compare to other fund houses... wonder why?

VP = Variable Price, meaning the fund price (NAV) will fluctuate and it is determined by the fund performance, a.k.a. normal unit trust

FP = Fixed Price, meaning the NAV will always fixed at RM 1.00, you grow your investment in the fund by yearly dividend

For FP, yes, you need to be persistent to visit branch and with "connection" in hope to get the amount of unit you are satisfied with

Although you can invest via several internet banking option, the charges of RM 1.06 regardless of the amount you invest and whether you successfully secure you unit or not, is kinda turn away for many, unless got event

Heard some one said ASNB is introducing their own online platform, we shall wait and see how they do to improve the current situation

I know alliance only got VP

I think most who can sell FP are so call local bumi friendly banks, not the chinamen bank

successfully top up asm and asw monthly 100 each

as1m for competition through rhb now failed once tried again today, hopefully can secure the units by monday

btw,if we top up through online and successfully secure the unit, the date appear in the passbook is the day we transact or the day we know the status?

1) you are only able to open the fund account when there is unit available

2) that's the most assured method, you could also top up via M2u, cimbclicks, rhb now and affin online, but they charge rm1.06 regardless of the top up amount and funds may subject to availability depending on the platform.

ASNB is going to launch their own online platform (insider news) by year end, so we shall see by then

3) Cash only via agents, can use cheque at ASNB branch

More info please refer to http://www.asnb.com.my/v3_/asnbv2_5faq_EN.php#maklumatam

Wa can rmb to the dot eh

For me it took 3 tries with RHB Now to get 500 for as1m

just click those post that you want to quote, then add reply below where there are 5 buttons


This post has been edited by AIYH: Oct 27 2016, 05:54 PM

heavensea Do you know how to use multiquote in one reply?

Learn from guy3288

If there is no penalty, why not?