Actually the bond fund which I have been monitoring for some time is the Templeton Global Bond Fund, so far it's been very stable and have good returns, so it's more "bond" like. 

It invest in a large amount of countries in govt bonds, thereby spreading the risks and have low deviation of 9%.  Credit rating of A, 5.81% yield and average maturity of 5.57 years, with annualized returns of about 10% over last 5 years. A good risk-return results. 

WTA:

Is there an Unit Trust equivalent to Stock Performance Guide by Dynaquest.

A book where all the fact sheet of Unit Trust in Malaysia can be found.

Thanks.

Xuzen

Bid Price = NAV = Price you get when you sell

Offer Price = NAV + Sales Charge = Price you get when you buy

Some funds do not have sales charge but have redemption charge. Also all funds have annual management fees & trustee fees. Some foreign funds have double layer charges as the local fund invest in a foreign fund. Some hedge funds have high watermark charges as well, which can be substantial amount of profits. For Islamic funds, the charges are based on % of the profits which they will pocket, in addition to running costs. Please read the prospectus and understand all charges before you proceed. 

Some investment especially ILP's, have the charges taken out directly from your premium. These are usually not declared and very substantial.

Well, as long as they can recover the losses in long run, I'm ok with it. A question though, what's the distribution for the 5-6% of sales charges? How many goes to agent and how many actually goes to the fund manager?

trustee fee will go to the trustee, not the utmc

Then same with fundsupermarket.

https://www.eunittrust.com.my/

They sell more international funds, which are barred from Malaysia (to protect the local fund industry). In fact for performance outside from Malaysia, these intentional funds have better expertise for foreign investment, so far I have compared, I have no good alternative offered by Malaysian Fund Companies. I hold, Malaysia funds and bonds by Malaysian fund companies (Mostly Public Mutual), but my foreign fund holdings are mostly from International fund companies such as Templeton, Fidelity, Aberdeen, DWS and First State. 

Any reason to limit yourself to Malaysian fund companies? The world is your oyster. 

Dollardex is quite similar to FSM.sg, in fact thier fund offering is 80% overlap. I also like the service given by FSm.sg very much, been their client for many many years, but recently the have the platform fee thingy, so I am moving my assets to another fund house or ETF.

Platform fee is a fee introduced by FSM.sg which charges 0.5% p.a. and 0.2% p.a. for equity and bond funds holdings. In exchange we get lower sales charge of 0.75%-1.25% equity and 0.1% to 0.75% bond, with free switching. Not worth it unless you buy, sell, switch your fund very often. Due to the new fee structure (and protests), they are now offering 0.85% for all equity funds until end of year. I staying put, and buy until their offer runs out, then switch to other fund house by transferring my holdings at no charge. 

In fact if you are sneaky, buy bond funds at 0.1% + 0.5% switching charge = 0.6% to buy new equity funds.

Dollardex is more expensive, and charges 2% for both Templeton funds, but for longer term it's good.

this is a good starting point.
May i suggest you correct the initial cost, with epf investment, the sales charge is actually capped at 3%.
Secondly, management fee is indirect cost, it is already reflected in the NAV or dividend so no need to deduct unless you believe the % is inflated. we dont see it being deducted directly in our statements.
in EPF there is no capital appreciation, only dividend.
In unit trust, there is both, although there is also capital depreciation.

there is also a twist. In reality, when market is up typical total net return is 20% or more per
year. This is not reading the report or prospectus, this is money in my account. When market is down it can be of similar magnitude. But in general, there is more up years than down. 

Perhaps using an average % per year is okey if you are buying and hold but unlike epf, we are allowed switching. if you do switching, or you have a unit trust consultant who advise switching, the negative impact of a down market can be significantly minimized. This can absolutely be achieved by means of a trend following system as described in my blog or something simple. Example being switch to bond fund when market is down by a certain percentage from a recent high and get back into equity fund when market is a certain percentage higher than its low and have moved up for six weeks, just as example.

Those period from 2006-7 to 2008-2009, are all being swept under the carpet.

I have one relative invested in China theme fund (back then China market is the hottest topic), bought a fund starting at 0.25, after years now 0.17~0.19, and get zero dividend in between.
What's good about 30~40% rise from the bottom for her? Something to cheer about?

Yes & No.

I can choose the 10 years period which give best performance while there is another 10 years period with worst one.

For eg.
1996 to 2005, the performance won't be very good.
1998/99 to 2007, superb performance.

For future 10 years,
If I use 2007 as my next starting point, it won't able to match another one with 2008.

With 2 set of data, it also doesn't address how well the fund performance without any benchmarking.
By looking how much % has gain, doesn't mean the fund is performing good or not.
A fund may register 50% gain during the period, but if I bought Genting share during that time, around Rm3-4, I gain 150%.

UT performance is about benchmarking. If the UT is not performing well or just match the benchmarking indices, why I paid 5-6% initial service charges and annual fee of 1.5% for the service?
I might as well invested directly into indices, like index ETF, owning index, owning index futures etc.

search google dude

dont lazy

overheat means?

Public Mutual Small Cap Fund will be closed for new investment and additional investment from 05 May 2011. (Thursday)

haha! call me if you are in PG wanted to know more details about P Small Cap Fund. Time is Money.

Btw, the fund managers will manage the funds for the customers right?

Wahhh, 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?

another 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.