let say i invested 100k, after 14years, maybe get about 170k.

May be?
it may be after 14 years you left with 70k,
it may be 270k
it may be 1 million
it may be 50k left

Nobody knows, and no clue or whatever it may happen or not.

Past performance doesn't indicate nor guarantee how future will be.

Fund manager doesn't guarantee nor say may be how much they will make, they never said in the prospectus.

The only thing is assure is they will charge 1.5% management fee every year, and entry service charge of 5% on equities (generally most charge, some can be different, at this rate until being revised or whatever reason)

My so-call friend told me, if u put Rm500 every month, guarantee you will still earn money if the fund goes down, because in UT, if u deposit money every month, the units will go up and up, the management will help you buy more if the fund is good to buy, so if the price go down after 10years, you still will earn since you have many units already. This is what he told me.

My so-call friend told me, if u put Rm500 every month, guarantee you will still earn money if the fund goes down, because in UT, if u deposit money every month, the units will go up and up, the management will help you buy more if the fund is good to buy, so if the price go down after 10years, you still will earn since you have many units already. This is what he told me.

My personal view,
Balanced fund is rip off in term of service charge.

Balanced fund normal consist of 50:50, or 60:40 between bond and equities.
While balanced fund has service charge of 5% as same as equities fund. While bond fund service charge is range from 1%-1.5%.

If you invested 10k in balanced fund, Rm500 gone.
If you split it yourself  and invested 5K in equities and 5K bond fund respectively, RM 250 + RM50 = RM300 gone.
While you can have the same effect of the balanced fund portfolio, of 50:50 bond:equities.

Generally, balanced fund is not going to perform better than equities generally due to bond portion that drag the performance, if market doing good time, why pay more or same with equities fund for a balanced fund.

Biggest joke of the year...     

Having many units is not equal to earning... 

JeffryYap - if i may suggest, pls do some reading/learning of the underlying assets of mutual funds / unit trusts. Else, U are as good as gambling or investing via hope.

Another thing, try to understand how these "advisers" / consultants make their living and U'll be able to smell most BS a mile away

let say i invested 100k, after 14years, maybe get about 170k. i'm so sorry for my noobness

So what do u think about PCSF after 8years?

why dont u sit with the agent, do some comparison with PCSF and some other local/foreign funds. ask him/her Q's until u happy with him/her amswers. the more Q u sask the more knowlege u will get abt UT.

is 70% is expectation? or sure can get one? and how the agent can be sure?

Im not saying ur agent correct or wrong. u just need make sure u MUST undestand wat u r buying.

dont folow wahtever ur frens say, its ur money and u must know wat u r buying.

my suggetion only.

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Added on January 11, 2012, 11:02 am
Where can i read underlying assets of mutual funds / unit trusts?

My so-call friend told me, if u put Rm500 every month, guarantee you will still earn money if the fund goes down, because in UT, if u deposit money every month, the units will go up and up, the management will help you buy more if the fund is good to buy, so if the price go down after 10years, you still will earn since you have many units already. This is what he told me.

I cannot ask much as my knowledge for investment is limited, he showed me a past figure, so ya(although past figure doesnt mean the future will good), perhaps i will learn some basic first.

Another bullshi*t.
How can you make money, when the fund price is RM1 now, and become Rm0.50 10 years later.

More unit at low price can earn? 
Every unit you bought come from your hard earned money, not the unit give birth more unit.

The only guarantee part from what you did aka RM500 every month, is your friend get a portion of 5% x Rm500.  

Hmm you are right, so the price must higher than rm1 after 10 years. There is no 'expire" date right, if 10 years it become 0.50, then i wait another 4 years maybe will raise until 1.10? if i have the time, i can wait right?

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Added on January 11, 2012, 11:24 am
You stay near PJ? can you be my UT adviser? I sign your product lol.

ya, but 1 correction, lesser unit price is not mean the fund not doing well also.  if u buy unit for rm1.00 and the price is less than rm1 after 10yrs, its not mean u r lossing too. u may gain already.

the unit price may adjusted after the dstributions or unit split. but if the price less due to the funds REALLY not perform, u will lost.
ya, t........ PJ no issue for me to mit u,

maybe next weekend or after Chinese new year, we can mit up. PM ME PERSONALYY.

TKHS.

anyone knows if it is possible to have 2 unit trust of the same one (say OSK-UOB Kid Save) but buy from different distributor (say 1 from UOB Bank and another from FSM)?

Hmm you are right, so the price must higher than rm1 after 10 years. There is no 'expire" date right, if 10 years it become 0.50, then i wait another 4 years maybe will raise until 1.10? if i have the time, err i can wait right?

There is no guarantee or certain, the longer you wait, the price will become higher.
You can wait another 10 years, the price can still Rm0.50 or less than RM1.00.
On other hand, it can become Rm2.00 as well.

Longer time /= price must go up.

Even after you 14 years, the price become Rm1.10 from RM1.00, you are actually making a "loss", due to loss of opportunity aka if you put Rm1.00 in FD at 3%, or even 2%, you RM1.00 already become more than RM1.30.