Sep 29 2018, 06:25 PM
QUOTE(Ramjade @ Sep 29 2018, 06:22 PM)
Read first page and you will know best 3x/year time to buy.
Please get your facts right. Dividend in old unit trust aka variable price fund means nothing Is left pocket keluar,
masuk right pocket. First step in investing in unit trust is not to kena conned by agents/marketing claiming this fund can give 15%p.a dividends.
2nd, you would have wasted your money if you had go for a 2.5%p.a FD vs a promo FD at 4.5%p.a . yes FD rates varies but if you know how to play the FD game (recycle cash), you won't even get board rates FD. You will get promo rates every year Over the past 5 years many promo FDs are in the range of 4.x%p.a. Same tenure, same bank different rates. Don't you think is a waste of good money by donating free money to banks? Now tell me why should I put money into board rates FD when I can get promo rates FD from same bank for same tenure?
For a while you said Sara 1, then you said Sara 2
Yes Sara 2 service charge is 3.5%. But again as I said, promo FD already 4.3%p.a risk free money (put as 4.3%p.a since is more realistic) amanah saham fixed price 6%p.a. The fund needs to generate more than promo FD rates for it to be attractive. Let's not forget, by placing in Sara 2 or any of other variable price fund which charge high service charge, you are already forgoing one year of profit. Let's not forget to add if market does worse, - 3.5% - 5% (eg), that's - 8.5%p.a in one year. Now how are you going to catchup with FD or fixed price fund?
chill. think back why u go ASG for the 1st time. Please get your facts right. Dividend in old unit trust aka variable price fund means nothing Is left pocket keluar,
masuk right pocket. First step in investing in unit trust is not to kena conned by agents/marketing claiming this fund can give 15%p.a dividends.
2nd, you would have wasted your money if you had go for a 2.5%p.a FD vs a promo FD at 4.5%p.a . yes FD rates varies but if you know how to play the FD game (recycle cash), you won't even get board rates FD. You will get promo rates every year Over the past 5 years many promo FDs are in the range of 4.x%p.a. Same tenure, same bank different rates. Don't you think is a waste of good money by donating free money to banks? Now tell me why should I put money into board rates FD when I can get promo rates FD from same bank for same tenure?
For a while you said Sara 1, then you said Sara 2
Yes Sara 2 service charge is 3.5%. But again as I said, promo FD already 4.3%p.a risk free money (put as 4.3%p.a since is more realistic) amanah saham fixed price 6%p.a. The fund needs to generate more than promo FD rates for it to be attractive. Let's not forget, by placing in Sara 2 or any of other variable price fund which charge high service charge, you are already forgoing one year of profit. Let's not forget to add if market does worse, - 3.5% - 5% (eg), that's - 8.5%p.a in one year. Now how are you going to catchup with FD or fixed price fund?chill.
we been there. maybe he need sometimes to churn the dividend part.
Quote
then they deleted it 
0.1354sec
0.43
7 queries
GZIP Disabled