Jan 12 2012, 11:06 AM
QUOTE(kparam77 @ Jan 11 2012, 10:20 PM)
22 yrs old, can save rm2k for investment. good move jeffrey.
since u r very new to UT. and if u cannot wait.
why not u just start with rm1k and DDI rm100 only just for PCSF. at the same time educate urself abt UT too. subscribe to the edge personal money willl useful for u.
the rest of the money, just park in FD first until u really understand wht is UT abt.
putting 40% from ur salary in 1 fund is not a right move/ wise idea for u. eventhough ur risk factor is very high aggressive.
do hv any insurance? if not buy insurance first. medical card enough with full coverage. investment link policy is not fit for u because u r very aggressive for high return.
just my 2 cents.
Ya, thats why, i still young, thats why high risk is not a problem for me. But still, i think i go for domestic better. My agent told me election is coming, so go for China lol. since u r very new to UT. and if u cannot wait.
why not u just start with rm1k and DDI rm100 only just for PCSF. at the same time educate urself abt UT too. subscribe to the edge personal money willl useful for u.
the rest of the money, just park in FD first until u really understand wht is UT abt.
putting 40% from ur salary in 1 fund is not a right move/ wise idea for u. eventhough ur risk factor is very high aggressive.
do hv any insurance? if not buy insurance first. medical card enough with full coverage. investment link policy is not fit for u because u r very aggressive for high return.
just my 2 cents.
Just informed my friend i will go for Public Regular Saving Fund. Ya i have insurance, thank bro, i will start with low first until i understand what is UT about.
Added on January 12, 2012, 11:11 am
QUOTE(cherroy @ Jan 12 2012, 10:59 AM)
If you are not familiar with UT/fund, you can start with small sum at first, then keep the rest of money for future.
DDI can be bad if you are not knowing what you are doing.
DDI can be bad if the fund is not performing.
There is needless for one must adopt DDI to invest into a fund.
Agents surely promote hard on DDI, because it means more and constant commission from it.
Added on January 12, 2012, 11:00 amThere is one fund that loss 60% over 4 years time frame, if doing DDI on this fund, it sinks you into deeper hole only.
Besides DDI, what else i can do without service charge or whatever charge, i only know if annual the fund performs good, then got distribution payout, then if i reinvest, i no need to pay service charge(if not mistaken). Even lump sum requires service charge. I thought UT only got DDI(which bank in monthly for your selected fund), Can you briefly explain a bit?DDI can be bad if you are not knowing what you are doing.
DDI can be bad if the fund is not performing.
There is needless for one must adopt DDI to invest into a fund.
Agents surely promote hard on DDI, because it means more and constant commission from it.
Added on January 12, 2012, 11:00 amThere is one fund that loss 60% over 4 years time frame, if doing DDI on this fund, it sinks you into deeper hole only.
This post has been edited by JeffreyYap: Jan 12 2012, 11:11 AM
Quote
Go go go...but remember not to put one big lump sum lo.
, anyway, this PRSF considers aggressive type right.
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