May 16 2020, 12:07 PM
QUOTE(RigerZ @ May 16 2020, 11:20 AM)
Hi folks, general question here.
I've read some threads and many comments around this sub forum about how they lost money, got poor returns on their unit trusts, and telling others to completely avoid UTs.
Would it be safe to assume these were people who invested in UTs via agents (who only sold poor funds and/or just follow what their agents say), and not those who carefully studied and DIY their investing like us on FSM?
I would think that having FSM where we can study all the funds + proper self learning would avoid such negative results.
part of but not all, it might include ones who invest less than 1-2 years but already comparing the return rate with EPF annual dividend.I've read some threads and many comments around this sub forum about how they lost money, got poor returns on their unit trusts, and telling others to completely avoid UTs.
Would it be safe to assume these were people who invested in UTs via agents (who only sold poor funds and/or just follow what their agents say), and not those who carefully studied and DIY their investing like us on FSM?
I would think that having FSM where we can study all the funds + proper self learning would avoid such negative results.
take a real example, e.g. EASTSPRING INVESTMENTS SMALL-CAP FUND
https://www.fundsupermart.com.my/fsmone/fun...-Small-Cap-Fund
looking at the hyperlink fund info page, if u invested two years ago, your annualized return rate is 0.00% as of now, so you can't avoid ones thinking that if I never withdraw my EPF monies to invest in this funds, I would have earn at least 5% EPF dividend per annum
but if your horizon is long enough, looking at 10 years annualized return rate, it is 12.34% which outperform 5% EPF dividend.
somehow i felt unit trust reputation is bad because:
1) non knowledgeable sales, they dunno, or they don't even care if your monies is invested in the right place
2) investor's vision of horizon is not long enough, it doesn't make sense to compare performance of unit trust fund with EPF dividend in horizon of few months, one or two years.
3) investor themselves dunno what are they investing in, equities? fixed income? mix asset? it involves works of study and research, so the says of "if you dunno what are you investing, might as well just put inside EPF for safe annual 5% isnt it?" it does make sense.
for your last question on intention of study:
1) FSM posts articles from time to time, spend your times read them and understand
2) utilize the tools in FMS e.g. chart centre, portfolio simulator, to expand your knowledge and investing horizon
3) if you are aggressive enough, approach FSM CIS (Client Investment Specialist) and talk to them, psot whatever question you have, I assume they would be happy to help, and i would say they are more unbiased as a fund distributor, comparing to standalone fund house's sale agent, they only want to sell u and earn, that's where their commission comes from
4) follow this tread from times to times, lowyat FBI section is fulled of knowledgeable sifu, much better than those "professional" sales.
5) understand the fundamental of unit trust, geographically (where the unit trust focus in), type of unit trust (Fixed Income, equities etc.) -> play with fund selector of FSM
This post has been edited by tadashi987: May 16 2020, 12:14 PM
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