Newbie question here
I just wonder why there is so many fund that come from Insurance company,
and how public really invest in them?
I'm not mean to get an insurance but to invest, since we can get only 60-70% from insurance (if nothing happen to me/us)

Bro - U just answered your own Q

Joe public participates in these funds via their insurance OR top-ups via their insurance, channeling more $ into investments than insurance.

Other than that, dont participate in these particular funds lor - plenty of non-insurance funds around mar.

Thus, back to your Q - the reason for such a Q is? to solve what?

^ @wongmunkeong

I just need a reasoning why I'm more into unit trust rather than insurance.

When I'm talking with my friend about my preference on unit trust, he has a strong believe in insurance, and he is in fact had 2 or 3 different insurance.
He somehow make me in doubt.

Insurance and unit trust are like comparing orange and apple, it serve different purpose.
Insurance more for coverage, Unit trust more for investment. SO u need to know what is your vision and mission b4 u decide which product to choose.

Bro, just because someone else believes in something else doesnt make it correct or right. You can chose your own path based on your own logic and reasonings - we aint a herd of lemmings right?

If you're so unsure, like fellow forumer cheahcw2003 said, different vehicles lar. Insurance is for coverage, not investing - like comparing a tractor to a sports car - both have horse power / cc but used very differently.

This post has been edited by wongmunkeong: Jul 12 2011, 06:35 AM

Wow, FSM Recommended funds are selling at 1% now.

http://www.fundsupermart.com.my/main/resea...?articleNo=1329

well said. one is a protection scheme and the other is an investment scheme. obviously there is nothing to compare. however, in terms of priority, protection scheme is more important than investment. consult your insurance agent for an "adequate" coverage based on your risk and income ability. this is to avoid policy holder from going over or under their budget on the yearly premium.

you should ask your insurance agent to perform an accessment on you or your family's life style changes which took place in every 12 mths interval. the insurance agent will advise you inaccordingly based on your needs and ability. nevertheless, as a rule of thumb, it is a good practice to allocate a maximum 10% of your annual income for you and your family insurances (10% allocation includes you, your spouse and children protection schemes, and NOT you alone). do not go overboard on something that you cannot afford. Life is short, don't make it too short for yourself.

always consult an insurance agent who weights your pocket first rather than theirs. i am sure you know how to distinguish one to another.

hye..let say i have 3000 and i want to invest, which option would you suggest?

invest in unit trust?
waht is ur time frame? short term or long term.

unit trust for 3 yrs and above.

waht is ur risk appetite? conservative, moderate, aggressive.... recomened funds base on ur risk appetite..

do u hv backup $ for ur emergency, at least 6 months for ur monthly expenses.. if not don't invest first, get tready with backup 1st.

no comments for ins + invtsment... as im not very good on that.

with ur 3k, u can also invest into stock market. its not much, but u hav better control of ur investment. if unit trust, u need to pay management fees summore. anyway, u need to study+research+read news etc before u can understand the stock market.
education is the most important.

well..for me, time is not really a problem bcoz i'm still a student (as long as it is less than 5 years). but my risk appetite would be moderate. about backup money dun worry. i already account those in my calculation...


yeah.. i agree. but there must be a first step in everything. i'm worried if i don't start now, i would regret later...

Buy bank counters. you can't go wrong. CIMB got bashed very hard today, maybe can scoop some. BIMB also good counter.

i'm sorry.. a newbie here.. what is bank counter? is it the plan setup by the bank?

our fren suggesting, if u go for stock market, buy finance/bank sectors. blue chip. or u can go for dividends stocks.......dividends never lies.


if u intersted unit trust.... moderate funds available for u. dividend funds also better. if u bumi..... better stick with ASB. 8 -9% with bonuses because ur time frame abt 5 yrs.


whatever is invst with ur OWN RISK.

PM me or email to kparam77@yahoo.com if u interested in Public Mutul unit trust investment.

counters are those company listed in the KLSE.

bank counters = CIMB, Maybank, Affin Bank, AmBank, Bank Islam, Public Bank, RHB etc.....

instead of buying unit trust, might as well you equip yourself with knowledge about stock market. Learn the fundamental (for stock picking) as well as technical (for timing). the best investment is investing in yourself with knowledge.

yeah.. it a decision i've make for the future..anyway what is rate of return for public mutual fund for a year ?

well i'm trying my best to learn . i've been reading about stock market. and i was wondering about your suggestion, if i go for finance sector what exactly they can offer me with 3000 i have?

i don't really get your point. what are you trying to get with the 3000 that you have? what kind of return you expect per year? what kind of risk you willing to take? those are things that only you can answer, in order select which investment tools that suits


banks are usually a relatively safe bet for investors as they are highly regulated. stable banks like Maybank and CIMB usually offer you dividend around 5-6% p.a. that is better than any FD. buy at low price, and you will also have opportunities for capital gain. This is the kind of thing that blue chip counters have to offer you. Relatively low risk, and stable dividend with opportunity for capital gain.

This post has been edited by ciahcra: Jul 18 2011, 04:11 PM

You may consider Public Sukuk Fund if your risk appetite is LOW.

then how can i enter the market? do i need to open cds and trading acc?

yeah you need to open cds and trading account with any stockbroker.

Edit: Check PM

This post has been edited by ciahcra: Jul 18 2011, 04:25 PM