@jutamind thanks for that another option. more power also on your informative site (in your sig).

however i did notice that eunittrust has same pricing that of fundsupermart, but of course having another option like it is useful.

This post has been edited by jtdc: May 2 2011, 02:31 AM

how come the annualized performance chart % for same fund different for fundsupermart and eunittrust? Even the chart is different.

Which one is more accurate?

As far as I know, p small cap will b closing soon. If u planning to try out rm1000, make sure u do it regularly with minimum investment of RM100 if not ur rm1,000 sure gone as every yr unit trust imposed certain % of charge annually. It sure brings great return than FD... How de market fail, it will bounce back. its jux de matter of time....



This post has been edited by dreamer1202: May 2 2011, 08:28 PM

After doing some study OSK-OUB funds seems more profitable and stable than public funds

Mind share with us, y do u think so??

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Added on May 2, 2011, 8:41 pmWahhh, u've bought tis since it 1st launch, then u might hav been making alot of $$. did u exercise dollar cost averaging?? If u didnt it would b a real waste....
i saw de chart performance of tis fund can bring returns up to 383%. Did u?

This post has been edited by dreamer1202: May 2 2011, 08:41 PM

investing mutual funds through FSM seems cheaper than conventional way. does FSM charge is on top of whatever fees there?
anyone using both FSM and eunittrust, would like to share their experience?
thanks

This post has been edited by jtleon: May 3 2011, 02:00 PM

when FSM offer public mutual fund?

I think third party broker won't deal with public mutual funds.

Looks like Philip Capital offer competitive sales charge as FSM.

ops sorry, no PB in FSB
now this make more sense

This post has been edited by jtleon: May 3 2011, 02:20 PM

Hi people. Some queries, assuming I've 5k cash as of now to invest, and I can dump in 200 every month, what do you guys think I should do?

Thanks

For me, I not really prefer DCA, if I got 5k, I'll separate 5 times, each time 1k so that I can choose my flexible market price.

For Sure, Fundsupermart DO NOT offer PB nor Public Mutual Fund Series.

This post has been edited by transit: May 3 2011, 05:43 PM

But you have to be technically wise right? Need to do close technical analysis.

i did a lump sum investment in year 1999 or 2000, cant remember. On and off i did add the fund, i dont believe in DCA method. i invest only when i feel the timing is right.

did a quick review of both FSM and eunittrust here.

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Added on May 4, 2011, 7:32 pmanother alternative is to do DCA + lump sum investments. for example, if you expect to have 12,000 for investment in unit trust. you can use 8000 for DCA, and spare another 4k for lump sum investments when the market is down sharply. this 4k can be split into 2 or 3 investments if you expect there are 2-3 major corrections in a year, which is quite normal.

by investing this way, DCA will take care normal investment so that you dont miss out the investment opportunity due to incorrect prediction/insight, and lump sum for opportunistic investment.


This post has been edited by jutamind: May 4 2011, 07:32 PM

no, i dont tust DCA method. Most agents promote DCA so that they can get the regular income every month.

Historical proven that Value Averaging method works better than DCA. By the way, i am not a salary earner, do not have regular mothly income, so DCA doesnt work for me, but this is not the main reason i dont use DCA method.

This is theorectically only, and we know market doesn't behave what you think, or predict.

What if, market is straight line creeping up just like since 2009?
You are buying higher and higher.

How to know this is a correction?
How to know when is the correction.

DCA can make your cost higher, and can lead to massive loss as well.

There is no foolproof method or which method is better than the other.

You have 12k now, whether lump sum or DCA, both don't offer advantage over each others.
It depend on the outcome, how market behave then.

I only know, DCA is only good for earning commission, as an agent that you can ensure steady stream of commission coming in without need to persuade customer to buy again.

sori 4 interrupting...if i have about 10K so where should i invest with this money? i never do any investment than with ASB...so i want to try out another investment method but wih small risk...so do u have suggestion which one is better 4 me...i hope there is someone who willing to show me the way...

Don't put up statement like that, it is never 100% true.
Matter of time?, 10 years? 20 years? 30 years? By then I might be no longer exist already.

Nikkei was as high as 30k, now 10k
Nasdaq was as high as >5000, now after 11 years later 2850.
KLCI was at 1340 back 1994, now after 17 years, 1530. Even FD beat it.

No one in this world can predict the market UP or DOWN :-)

DCA Approach will helping 3 parties, it is WIN-WIN-WIN situation. Some people is too focus to let other to earning the money.

(1.) Investor who don't need to monitor the market conditions, to have a fixed amount of money invested so that the averaging cost is lower in long term. **Value Averaging is good for those not a salary earner**, DCA surely work fit for those salary earner.

(2.) The Unit Trust Management Companies (UTMC) will have a fixed amount of new/fresh fund available anytime to invest in those counter when the market is DOWN trend. If there is not FIXED FUND available, the opportunity may be missed when the market in DOWNTREND. Therefore this part should not get OMITTED.

(3.) To provide little income for the Agent to support & servicing their investors in long term.

Every Business in this world needs cost regardless any types will needs capital. The capital can be any form such as knowledge, money or time. If you start up your own business, you will needs medium to huge capital.

Treat this service charge as part of your operating expense to the UT management companies to invest for you in order to earning higher returns. If your investment through a FSM or 3rd parties agent, there still needs to charge you little Service Charge in order to sustain the business model.

If investor cannot bear on this Service Charge (SC%) then please forget about the investment part. No FREE LUNCH in this world.