Uncle, nowadays self service better. save your commission. Unless you need very intensive wealth advisors.

Uncle, fixed income fund no need to put money out money so often one. But you can always follow anikitan.

Depends on uncle's risk appetite lor. and by the way, sometimes agent asks you in out in out because got commission to earn ya.

That's why must not pay to agent account, should direct put in to the fund.

To be simple, most or almost all UT funds are using forward pricing.

The concept is because your money that booked today for example, will not participate in the pool of money of existing investors' investment that generating today's return. Hence you should not be taking yesterday price to buy in units.

I hope this is simple explanation that Uncle can understand better. Why uncle invest so long in PMO funds with agents, but he never teach you and guide you all these?

For distribution reinvest, usually will be happening on the same day when the price went down due to distribution, that's where you get to put in your profits back to become units and market value of your portfolio shall remain same with or without distribution.

Just that your average cost per units become lower due to reinvestment only.

If you all invest like this, most likely you may have loss more than earn at the end of the day.

Because some times it could be 1 day adjustment, and later go up again, then u sell at low price and have to buy back at high price.

Anyway, just my opinion.

Unit Trust is forward pricing investment vehicle. So you can't really predict the price, may be for stocks can la. Because you can see KLSE today drop a lot then u know UT price end of the day will drop also. But again, when you know it is dropping then you sell, and when it goes up you buy.

I understand previously there are some days they dropped rapidly and I see it go up rapidly as well.

Agree. If you want to buy sell then go to Stock Market trading, now stock market very active, one day up down very fast.

UT is more to medium to long term investment and regular savings, especially for fixed income. Like that in out in out, actually you waste more time and effort monitoring than doing the right things.

Uncle very geng... I think everyone also explore opportunity here and there. I personally also invest in Opus, Shares using Rakuten Trade, SAMY register but never put in money, earlier also invested HG but dont like it. FSM for my PRS mainly, then also put money into SSPN-i and etc.

I think platform is one thing, but ultimately you have to really understand what is the underlying assets that the investment you go into like what other LYN members said. Construct your own portfolio. I think a lot of pro investors would tell you now their portfolio is like 70% bond, 20% equity, 10% gold or etc. But it depends on your own risk appetite and take Opus Touch as example, i think it gives me the bond portfolio exposure and also liquid money settlement. As for Equity, i can do the shares trade myself or I just invest into some growth fund in unit trust. So it depends how much you understand the asset classes and also risks.

See... you redeem at low price and now it rebounce back you go in at higher price again. Uncle, dont play like this, you will end up incurred more losses. Just put there and steady look at it after 3-6 months if you not urgently need the money. IPF steady bom bibi one.

I think some of us have explained earlier in the post.

Taking your scenario if you have RM1000 in Opus IPF, and they distribute RM10 and given the scenario that the bond valuation has no movement, but ignore the complication of fee calculation.

In short explanation, NAV is derive from Asset - Liability. Price is NAV / Units in Circulation.

So let says, NAV is RM 1000 (ignore the fee accrued). After distribution of RM10 and if you reinvest back, then yes, the NAV will still be RM1000. But because of your Units in circulation is more, hence the price dropped.


Of course if you choose to payout the distribution, your units holding doesn't change, but the price will reflect that you have taken RM10 profits, hence your value will become RM990. But the RM10 is back to your pocket.

Hope this explains well.

As for the taxation, I think Grumpy has been sharing the article stated that for Bond Investment, there is no tax in malaysia, so all income earned are tax free. As for cases if there are taxation, the Fund manager will accrued it daily with a provision and estimation of tax and reflect it in the daily price. So is a fair calculation daily.

Unit Trust and shares dividend are different la.

As I also explained earlier, Distribution is to cater for some big investors who need regular stream of income to be payout for their operational use, it is more applicable to those corporate and big firm who put in millions to billions dollar. They want the fund to realised the profit over the period and payout to them and back to their company bank account for may be some operational cost usage.

Retail investors like us just reinvest back and continue to save and invest lo.

I also pening see some of you treat Unit Trust like a shares market. Are you trader or are you investor? Ask this question yourself lo.

And one more thing that I would like to highlight is that the perception about price that when it is high means it is expensive, for shares may be it depends on the fair value of the company, for Unit trust, I would say not so much difference, but it is really hard to explain to everyone who is not understanding UT too much, your agent definitely won't teach you all these and most of the time you get that kind of message is that oh after distribution the price is low, good time to go in. Some agents will tell you, come in before distribution you can get the distribution profits. All the wrong concept has been implant in the market I would say.

For me, UT price is just an indicative to value your units holding. the up and down of the price, be it 0.0001 or 0.1 or something, is the matter of % gain for the day. if a UT has a price of 100.0000, the 1% is 1.0000, a UT price at 1.0000 gain 1% is 0.01.

Are you saying 1.0000 > 0.01?

Again, think it and digest this yourself. Always look at % gain not the indicative value. Sekian, Terima Kasih.

Can say luckily you enter bond market. If you top up 2k yesterday into glove stocks, may be you lagi sad case, uncle.

If conservative then dont try to time the market. Investment is for medium and long term, not to time it short.

If you time it means you are gambler, not investors.

They will display the wholesales fund at Opus Touch if you are high net worth, but then now FPX transaction limit is only RM 30k per transaction, their initial investment amount is RM50k, and subsequent maybe RM10k.

To me is about the same wholesales or Unit Trust. UT even better, minimum RM100, you can put low and high depends on your needs.

I think they just draw the Raya campaign winner.

I just performed a transaction but i didn't receive any link or in the app to see how to play the game. need to wait for awhile?

Usually within the day if everything fit and proper.

I think no need, but it must be under your name.

I tried using standard chartered to bank in but my registered bank account is maybank.

That registered bank account is mainly for redemption purpose only.

In flow money as long as is your own personal bank, you can bank in from whichever bank you like.