uhh.. its 10% annualized return per annum ya...  it's OK la for hand-off investment, but not all funds get this return. Tak percaya ask the Malaysian-based China funds investors...

What is your expected ROI btw? And which investment vehicle are you looking at. Even properties market appreciation will unlikely to reach 10% per annum nowadays and going forward, too much bleeding involved - lack of tenant, damages, maintenance fees, assessments, etc.

Passive funds are not based on value investing principle, so there is a risk of bubble.

bro, mind sharing more on CDS?

I dont mean to bad mouth agents, but the biggest fees come from the initial sales.. and there is little that they can do to manage your investments other than switching funds - but there is a risk of you switching at the wrong time.

My mentor Azizi Ali actually said there is a sure way to make money by staying in Unit Trust - that is by being a unit trust agent. They make a boat load (well, the successful ones)

yes, they made the most of their money from how much the customer invested
not so much abt after, so they dnt really care u break even or not, let alone profit
thats why i trust myself by going to FSM instead

agent make money from customer
customer themselves can make money to by selecting the correct fund to invest to
some of my funds are at 30% now though i dnt invest like alot into it compared to those gold/platinum member in FSM

what are the switching charges for FSM funds? would it be realistic to trade the funds as if you were trading stocks - not talking about day trade

10% for 10 years
A bit not my expected ROI

I got less than 1% from ETF

I got less than 1% from ETF

what was the investment period?

How come Yip sifu?

https://www.bloomberg.com/news/videos/2017-...investing-video

In Malaysia unit trust funds are being sold as if they are the final answer to your retirement plans - at least that is the impression that I am getting from unit trust consultants who are paid handsomely as commissions from the investments made by their clients. But are there other types of investments out there which are more passive, or perhaps even more active than unit trusts? 

Sure, passive-wise you can look into index-funds, these funds track a particular index; the index is invested in all the stocks that make up an index - like the S&P 500.

More active-wise, you can look into hedge-funds, but I will not talk about them too much since they are not too relevant for the average-joe reading this topic. They are aggressively managed, promises good returns, but comes with very high fees, which are paid regardless of their performances (but they get paid more as they generate higher returns for the investors). Avoid    or not, up to you.

The arguments against actively-managed investment (in this case, the aforementioned unit trust funds):

- high management fees (1 to 2.5% per annum) eating up the profits
- high agent fees also eating up your initial investments (between 5.5% to 6.5% for cash investments and 3% for EPF-withdrawal investments).
- majority of funds end up end up not beating the index in 1, 5, and even 10 years periods, as published in several studies, also quoted in the video (the high fees being quoted as a big part of the problem)

In Malaysia there is a limited number of ETFs or index funds that we can buy; you need to look overseas. You can perhaps start looking into Vanguard and other providers. I believe there are services that allow you to buy them while in Malaysia. 

Disclaimer: I'm not selling anything nor am I an investment agent, I have no material interests in any of these companies/organizations.

Investing in UT through Fundsupermart saves you on the sales fees, but the high management fees are still there. it may still be your cup of tea.
in general, agents would quote you 10% annualized return for 10-year periods for equity funds. It could be higher, but depends on WHEN you are asking.

idunnolol

1 blue chips ETF
1 bond ETF

combined about 1%

ETF of which country?

ETF are such that the more people invest in them, the better they perform. (Until the bubbles burst, that is.)

In the US, the active/passive split is 70:30. The share of passive funds is much lower in Malaysia.

Out of curiosity, how much do you charge for the loan and insurance services you provide to your clients?

I am just a regular joe trying to understand the fuss about fees. I doubt the above are charity work. Every thing has a fee to pay, either built in or not. You buy a house, you pay the lawyer fee, the banker's fee, the developer's profit, the supplier's profit and so forth and like wise with everything you buy or use. Tell us who will work for free. Do you work for free?

Investing on your own make sound simple enough, read a few books and good to go, so why isn't everyone a Buffett or a Soros? Why are we still 9 to 5 kuli? In reality, it isn't that easy as you make it to be. I believe a vast majority of people don't understand UT let alone ETF or know what Vanguard is.

And likely if am I taking a loan and buying insurance, I would look for you to advise on the steps and what-to-look-fors, you wouldn't give free advice, would you? Again, what is your fee on say a 5m loan and insurance coverage for that loan?

So what product do you recommend fellow Kopitiam's to invest in ?