this is why i dnt go for unit trust consultant...due to their high sales charges/agent fee
i do it on my own through a company and sales charge/agent fee is only 1% max...sometime can go as low as 0.5%

regarding hedge fund which i have no idea how, how's the risk and volatility compared to unit trust?

already wrote there between 5.5% to 6.5% for the amount u invested
and i did it with 1%

looks like its not for me since im just an average person
even those "wholesale" fund that require 100k minimum i also can't afford

in many cases, many public mutual customer complain hard to even out their investment due to the high sales charge
means profit is still long way
so that why smart ppl will go for FSM for the low SC for faster even thn make profit
those PB mutual agent dnt even care u make profit or not as long as they earn from your SC

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

expectation should be put around 4-5% annualized, 10% is more toward MLM level already

This post has been edited by alien13579: Aug 8 2017, 12:45 PM

i dnt remember how much is the switching charges, need to check back
but ultimately depends on where do u switch to
if switching fund between same fund house, thn no charges...like cimb to cimb but different segment of investment
if switching fund to another fund house thn there will be charges...like cimb to affin hwang

no, from what i learn, investing in unit trust is more toward holding it
i dnt have experience whatsoever in trading stock so no comment on that but the biggest mistake a person did in investing in unit trust is "nampak rugi trus jual"
it doesn't work like that
its more of a long term investment, slow up slow down as opposed to fluctuate wildly like bitcoin