if both invest same amount/ time, i think it shud be (2% + 3%) / 2 = 2.5%

or,

A = RM10,000 and the profits = rm200
B = RM10,000 and the profits = rm300

rm500/rm20,000 x 100 = 2.5%

or, if diff amount at same time,
A = RM10,000 and the profits = rm200
B = RM5,000 and the profits = rm150

rm350/rm15000 x 100 = 2.33%

uncle wong, xuzen betul-tak?

me too, holding my epf submission more than 3 weeks.

looks like still need to wait.

sc's new framework not expected to impact bond funds.

http://www.thesundaily.my/news/492564

[quote=Brida,Sep 23 2012, 03:40 PM]

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Added on September 23, 2012, 2:51 pm

1. This question too open-ended, pls be more specific
2. Yes for equity funds, maybe no for bond funds. From my personal experience, monthly savings beat lump sum investment. Read my reply to jasmine above
3. Google "Lipper Leaders"

I highly recommend fundsupermart.com for
- low Sales Charge
- user-friendly website
- online UT distributor with the highest number of funds from different fund houses
- helpful customer service

[/quote]
Thanks Pink for recommending of fundsupermart and Lipper Leaders, really very useful guide here! Never know about Lipper Leaders! A good place to start indeed. Took a look at them just now.

1. Do I just look at Total Return as per the Lipper Leaders's analysis?
How to decide when to start buying? & which Fund House?
Is their Total Asset Value of those funds (like in the Lipper Leaders) important to be a criteria to decide? like the bigger the Value the better the fund it is? (I assume more people putting their fund into a particular fund if the Total Asset Value is bigger.
2. Equity funds = stock market fund?

3. I'm skeptical of online investment. If I don't buy online, which fund house is a better option? I heard from my friends MAAKL is good, PM also.

Based on Lipper Leaders, it seems really good profit from mutual funds if I am dicipline enough to keep put my monthly savings here!

Thank you!

[/quote]

if u hv zero knowledge of unit trust. get a agents brief to u face to face for better understanding. u already hv MAAKL PM to u. go and c them. all ur Q's write in the paper and ask them until u understand.

generally, UT can give returns compunded 5-10%, over the time, meaning more than 5 yrs for me. 8% is good enuf already.it can outperform epf returns over the time too. and it depends on the fund performance.

what is ur plan to invest in UT?
retirement plan?
how long u want to invest?
capital gain or income(dividedns)?
ur risk profile?conservtive?moderate?aggressif?

there is no good or bad funds house. all investing objective similar type. its depends on how the fund perform, that is more important.

check the past performance at least 3 yrs record. how the fund recoverd from any crash. look at the fund asset alocation, local or foreign.

u hv to choose the fund which has similar to ur investment objective and risk tolerance. if u a mederate risk taker, dont buy conservative or aggressif funds.

tak habis habis tangan gatalnee

those invest in higher price suffering now....... i think still can wait..... china market still slowing down more.

ya, better sikit sikit.

whenever u top up, try to make sure ur cost per unit similar or cheaper than market price. or keep ur buying price not exceed the SC from market price.

meaning ur buying price after deduct the SC shud be similar or cheaper than market price, if u top up regularly. (this method not adviseble if u opt for DDI)

if u maintain this, u can cut lost the money with less losses.

cost per unit = amount u pay include SC/units. maybe u wont get the exact price, but u can get the nearest.

do some paper buying, downtrend and uptrend and flacutate scenario. u will get some clear picture.

read the master prospectus any fund/company u want. all the charges/fees stated there.

5-10% compounded return is expected, cannot guarantee abt 10%, even in equity funds, for bond 5-6% is realistik. r u sure amdynamic bond give 10% annualy? taht is very good. better than equity funds.

ok, if u hv 1k per month. and as per suggest by others go for both and equity. assuming 2 funds.

first month, open 1k in bond
2nd, open 1k in equity

3rd month sign up DDI rm500 each for both acc.