I'm new to unit trust investing in Malaysia. Just wondering what most forumers do.

Choose right time and invest.
Don't simply buy unless the fund is deeply undervalued.

choose right time?....how to know when is the "right" time?

fund is deeply undervalued?...how to know when is "deeply undervalued"?

And how to know when to buy and when to sell? How do the timers among you decide?

Both. Time + buy and hold.
When to sell? Draw money from your emergency fund when you need it. After that topup your emergency fund. Never sell unless you are using for big purchase. When sell, just sell all in equal amount. Takkan holding only one fund meh.

I seldom participate in poll because it may lead to "misleading' assumption.
I had to join in here not as a voter but to try to provide some insights to counter some assumed by me to be misleading info given or to be given......

Can You Time the Market?
https://www.fundsupermart.com.my/main/resea...the-market--431

for tips on when to decide to buy?
https://www.fundsupermart.com.my/main/resea...it-Trusts--1592

When To Take Profits?
https://secure.fundsupermart.com/main/artic...e-Profits--1783

What To Do If Certain Markets Are Getting Expensive?
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

After you had bought it...hold forever?
What Is Rebalancing?
https://secure.fundsupermart.com/main/resea...?articleNo=2215

Clearing Your Doubts On Rebalancing
https://www.fundsupermart.com.my/main/resea...ebalancing-1980

The Nature of the Game – Rebalancing
https://secure.fundsupermart.com/main/resea...?articleNo=9053

don't read too much, hesitate and procrastinate too much.....
Start your investing early, start your investing now
https://secure.fundsupermart.com/main/resea...SJBlog_20150204

"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust.
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience.
No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest.
You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher".
https://secure.fundsupermart.com/main/resea...SJBlog_20141031

when opportunity comes like....
Adding into Markets When Bad News Abound
https://secure.fundsupermart.com/main/resea...SJBlog_20140307

more on google....

happy reading and investing.....and if you find that the info to be read, understand and practice are too cumbersome, time consuming, etc, etc......
then can try this......
FSM Managed Portfolios
https://www.fundsupermart.com.my/fsm/manage...fo/introduction

Why You Should Consider FSM Managed Portfolios?
https://www.fundsupermart.com.my/main/resea...ortfolios--8394

Disclaimer:
This post does not constitute an investment recommendation. No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

This post has been edited by T231H: Dec 30 2017, 08:44 AM

Market timing obviously can get you the best returns...but DO YOU KNOW THE MARKETS well enough to time your entry and exits? 99% of the people in the world do not have the required knowledge to time markets. The 1% that do have the knowledge...even for them timing markets can be a hit or a miss. Timing markets means you must be selling when everyone is buying (euphoria peak period) and buy when everyone is selling (through depressed period). All this is EASIER said than done. The lowyat forums do not have people that can time markets well in general.

For 99% of the people the best strategy is consistently putting in RMXXX every month regardless of the market condition. This way you get the best average long term geometric return.

The poll is really pointless as there can never be a right answer for this . It depends more on the investors accuracy rather than strategy.

Unit trust is probably one of the worst investment one could buy. according to warren buffett, a monkey is better investor than unit trust manager.

http://www.cnbc.com/2017/02/25/buffett-sla...00-billion.html
https://www.bloomberg.com/news/articles/201...d-quicktake-q-a

Those american funds maybe. So far, I have no complains with the one from Asia as they have successfully beat the asia pacific benchmark time and time again. Besides, would you buy something just because it's big?

Why should I buy an ETF when a fund have shown it can beat the ETF time and time again?

Besides for malaysian investors, they don't have access to ETF. You tell me la, how are they going to invest? FD? JJPTR? Amway? ETF causes illiquidity in the market. Everyone buying the same item, everybody sell at same time like all rushing through the same door.

If active fund no good, nobody would have park money with Berkshire Hathaway

This post has been edited by Ramjade: Jul 2 2017, 12:48 AM

Past performance is not an indicator of future results.

Berkshire hathaway doesn't trade stock actively like u.t.

This post has been edited by icemanfx: Jul 2 2017, 12:58 AM

True. But you haven't propose alternative for Malaysians. That might be true in US (not many funds can beat the S&P500, those that do will have money automatically flock to them).

Besides, fund like Kenanga Growth Fund have shown time and time it have manage to beat KLCI, If one were to invest in KLCI (as what you are implying vs one were to invest the same amount into Kenanga Growth Fun, one would have made more money with Kenanga Growth Fund).

Berkshire hathaway is still an active fund. His advantage was he bought when world economy is booming.

This post has been edited by Ramjade: Jul 2 2017, 01:15 AM

Alternative from her? She proposed workhard and save money

Wow...u like to quote napic stats,% and 20 years, now u tell us past performance is not an indicator of future results...

Lol...that's why i said follow u in LYN is a joy. Love to read your comments

This post has been edited by Zres: Jul 2 2017, 02:19 AM

The world is greater than the kampung. Why one must limit oneself in the kangkong land especially if considered depreciating myr.

The herd is undoubtedly blinded by greed, couldn't separate the wheat from the chaff.

"The world is greater than the kampung. Why one must limit oneself in the kangkong land...."
Nowadays, there is a wide range of products for consumers to choose from. It is important that you take time to choose something that is suitable for you. Take a look at your goals and investment objective, what investments you already have, what you can afford, and your risk profile.

Buy only what you fully understand – be familiar with the product’s benefits, risks, limitations and costs. Know how much you can lose in the worst case and how this may happen. Think about diversification - will the product complement, supplement or replace what you have? Or will you end up being over-exposed to a particular risk?

bottom line .......Kampung or condo does not matter, as long as it fits ones risk appetite and he/she are comfortable with it given returns for the allocate amount of time and effort one can spent.

"The herd is undoubtedly blinded by greed, couldn't separate the wheat from the chaff".
yes that is very true, .... to be able to that one must have the to wisdom to know and understand if he/she is a wheat or a chaff first.
listening to others without FIRST understand one self is like ....
a herd of buffalos or bison trying to follow a streak of tigers or a pride of lions.
a timid person trying to follow a group of gangsters for a fight
a guys that is happy with a FD rate returns for years trying to follow a person that do forex trading all his life.

bottom line .......it is their money after all, who are we to judge them for what they do.....they earn more or did not earn more with what they are doing does not matter to us in the end.

judge not lest ye be judged

then "Why Not Just Buy Berkshire Hathaway?"
http://mutualfunds.com/expert-analysis/why...away-an-update/

well that is just to highlights that there at 2 sides of a coins.....
depending on where one sits or where one's meal comes from.....one can almost always finds write ups in the internet to support one's view on any topics.....


This post has been edited by yklooi: Jul 2 2017, 09:59 AM

Unlike brk.a, u.t charge management fees annually; in long term, this management fees is substantial; a reason why u.t is promoted as a long term investment.

yes,...in the long run .... the mgmt. fees added into substantial amount....
if the fund performance,...who cares...
well there are always more "unnoticed" losses to start with...like internet, astro bill etc. etc,
I am very sure UTs are created for some target group of people....just like insurance, astro, internet providers....

those that want it will gives a lot of reasons for it, those that don't want it will gives a lot of excuses for it.....

This post has been edited by yklooi: Jul 2 2017, 02:27 PM

Yes. They charge annual fees. But if they can beat the index year in year out (even after plus annual fees) I will gladly park money with them vs invest in ETF and get lower fees. Why should I pay lower cost for ETF when a fund can beat the ETF. I want the best bang for buck man.

You pay lesser fees for ETF but at the same time, fund X is beating the index (after including fees). You tell me which will give you better return?

How many people you know know how to buy UD market/buy US ETFs? :w

This post has been edited by Ramjade: Jul 2 2017, 02:32 PM