Hi everyone,

Note: was recommended to post here which was mentioned at - http://forum.lowyat.net/topic/2022003

I invested a small amount every month for PB unit trust via my relative. But till now, I have no idea how to read the statements or how much i actually untung or rugi.

Any tips to get started reading the unit trust PB statement? i mean pb = public bank

And how do i know which fund is better? i am going with public regular savings fund.

lastly, is it also good to invest my epf account to PB unit trust? i heard they were something like that .. some friends said NO, epf is meant to be retirement, some recommended.. so kinda confuse, which to listen?

Any help? Thanks.

one quick question before i check up on the rest of your post:
about swithcing funds, aren't unit trust meant to be long term holdings? as in, even though the price might not fluctuate like stocks, the actual return is derived from dividend payments and not so much buy low sell high?

thanks

thanks for replying back. regarding your answers:-

1.
so do you mean in my unit trust statement of transaction slip

i have around 10,000 for both loaded units and unit balance. I assume both are same number.

So i take 10,000 units multiply by the latest unit price?

where can i find the latest unit price? can i find it online?

Ya, correct. latest fund price at http://www.publicmutual.com.my/application.../fundprice.aspx

2.
i actually do very small amount investments rm200 per month for public regular savings funds. I am thinking to increase it to rm800 - rm1000 per month. Should i increase on public regular savings fund (same account) or go for blue chips unit trust? any recommendations? i am looking for good returns and long term investment while not too risky though!

make usre u hv emergency fund in bank.
since u can invest rm1000 moontly, u can hv 3 to 5 diff accounts. 2 modrate, 2 aggressive and 1 bond.

recommended
PRSF (moderate, u already hv)
PSF - moderate
PGF - moderate
PIDF - Moderate
PSDF - Moderate

Psmallcap - aggressive
PFSF - aggressive
PISEF - aggressive
PSSF - aggressive
PAGF -- aggressive

ANY BOND FUND.

u can invest rm200 each fund monthly. these funds better perfomr in past, and expect good in future too. but as rule of investment. NOT GUARaNTEE.



I tried the china fund before, didn't earn much money though. So i reinvested back to public regular savings fund earlier this year? any tips for me?

u still can maintain (if u want) 1 acc on china fund, min rm100 montly. u can check with those making money in china fund. im not very good in china funds too.(just to be honest to u)

3.
actually is it better to buy unit trust lump sum or every month potong? i am thinking of force savings.

lump sum - good if u buy at lower or lowest price.
regular - good for average down the price.

both has pros and cons.

if u can wait patiently for lower price, can do lump sum (VCA)
if u cannot wait, discipline urself by regular invstmnt (DCA)

4.
as i mention in number 2, i do have additional cash. But I have plans to invest in dividends stock market for blue chips. Small amount at first. Is it better to invest on stocks if compare to unit trust? i think unit trust is less risk and kinda force savings which is better than fixed deposits? maybe?

ya,stcok better than unit trust  for returns. but stock risk higher than UT.
ya, UT return better than FD over the time. UT risk higher than FD risk.

there r many dividedn stocks for ur choice in the market. make sure u hv Public bank. good dividends.



5. so unit trust is not insured by PIDM? so if anything happen, all my money at unit trust will disappear?

actualy ur money manage by unit trsut managemt company (UTMC), but ur money is with trustee. when u recevice ur dividedns, the vaoucher is issue by trustee, not UTMC.

if UTMC goes bankcrupt, trsutee will appoint other UTMC to manage ur money.

the fund cannot goes bankrupt because FM will hold some cash in hand. the fund only declared bankcrupt if the fund value goes to RM00.00 which is no way.

but there is pocibility for the fund goes to max lowest.

other than tht BN, SC, FIMM will monitor the UTMC is following the regulation and also the safety of the investors money..

BUT LOSSES STILL CAN BE HAPPEN IN UT. SO, EDUCATE URSELF ABT UT RISK MANAGEMNT


6. i read your recommendation on the EPF for unit trust ... so looking at the current market, if i go for EFP -> unit trust (i believe small proportion of it will be used for unit trust) is a better choice than just leaving it at EPF? But just one thing, if i ask unit trust agents .. normally they will say is good, coz they can earn commission .. but is it really that good? sorry to be skeptic here, but i just hope it is the right investment. coz i have a friend who place lumpsum for unit trust i think around rm25,000 and end up he left rm7000. So a bit worried, this will affect my epf account. Any help?

YA, dont buy the product which u  dont understand. maybe ur frend buy wrong fund at wrong time. unit trust is for 3 yrs and above. if the time frame more than 1o yrs, ya u can make use epf scheme. for short term, buy at lowest price.

there r so many strategy to max ur money in UT. u just need to undersnd and study how to max it. even u can make use ur epf maoney max it. apply the VCA and DCA is one of the strategy.

if 1 or 2 lost money in UT, its dosent mean all lost. IF EPF know ppls can lost money in UT, why EPF allows the withdrawal? so, dont confuse. ask those success in UT, they will guide u, if u ask those fail in UT, yes, they will discourage u.



u can mit me too, im an agent, i can brief u abt EPF scheme.

any help? thanks.

Sure we can meet up but i am already purchasing UT with my close aunt. So later i didn't buy from you, shy shy!

MEETING IS NOT MEAN HV TO BUY FROM ME.

1. Sorry what is VCA and DCA stand of?

VCA - VALUE COST AVERAGE - U PUT UR MONEY IN SAFE PALCE LIKE FD AND BOND AND BUY TH UNITS LUMP SUM FOR CHEAPER PRICE.
DVA - DOLLAR COST AVERAGE - BUY UNITS REGULARLY WITHOUT WORRIES ABT THE UNIT PRICE. THIS METHOD ADVISIBLE, IF U PLAN FOR LONG TERM SAVING/INVEST IN UT.

2. Maybe I should increase my current PRSF from RM200 -> RM500 per month. Then the other RM500 I go invest stocks, since it will be as aggressive than going with unit trust aggressive.

YA, WHY NOT 50% IN UT AND 50% IN STOCKS.

3. Thanks for sharing public bank dividends stock. I am new to stocks too. How much is the share price for public bank stocks now? I think should be super expensive

RM12 - 13, U CAN APPLY DCA AND VCA IN STOCK TOO

4. I check the link you gave me above on the latest rates

14/9/2011 PUBLIC REGULAR SAVINGS FUND  PRSF 0.5906 -0.0058 -0.97%

so which number should i take to multiple my unit balance 10,000?

but if i take 10,000 x 0.5906 = RM5906. 4 months ago, my aunt calculated for me .. it was rm7000. Takkan it drop so much

X 0.5906
YA, IT DROP.

5. one last question, so if i invest unit trust and hit X number of money ... should i withdraw them and pump into Fixed Deposit instead? Actually i plan to buy property and may need some money for capital. So wonder should I use this money? or should I just do force savings till i am retired at age 55 years old. Which one do you recommend?

any help?

U NEED TO PLAN FIRST, UR INVESTMENT OBJECTIVE. BUY HOUSE IN 1 FUND. WHEN REACH THE AMOUNT WITHDRAW AND BUY THE HOUSE. ANOTHER FUND FOR RETIREMENT. DON PUT ALL THE MONEY IN 1 FUND OR 1 ACC.

if its bearish, wouldnt it be best to buy now, as in buy low sell high?after all, hard to predict when the market would turn back up, but they would definitely turn bullish eventually right? and income funds would always be good income investments right? since they invest in bonds which tend to give consistent returns? well, local bonds at least.

heh, trying to see if i understand how it works now, been reading until eye pain T_T

Hi Gurus,
I'm trying to start some investment but market too many funds.. Pening lol.
And i'm still having the slightest idea on how to read the portfolio of funds, calculating the cost, what kind of earnings to anticipate or expectations to set by looking at fund performance etc..

Some of you mentioned about getting a dedicated unit trust agent cum advisor to help manage and switch your funds, not those pure agents trying to hard sell you their products.. How can I find these agents to guide and manage funds for me?

Appreciate your suggestions

CIMBClicks eInvest promotion extended and getting better:

Type of Funds | Normal Sales Charge | Promotional Sales Charge*
Equity Funds | 5.0 – 6.5% | 1.5%
Index Funds | 1.0 – 3.0% | 0.75%
All Bond Funds | 1.0 – 2.0% | 0.0 – 1.5%
All Money Market Funds | 0%

*Enjoy a sales charge of 1.5% for investment(s) on any Equity Unit Trust funds via CIMB Clicks eInvest.

Offer is valid from 8 November to 31 December 2011.

Previous promotion was at 2%!

URL: http://www.cimbclicks.com.my/unitrust_intro.htm

hi can someone teach me how to read PMO?

My NAV doesnt seems to add up when I add NAV of Distribution reinvest minus NAV Standing Instruction into NAV of initial investment.

If I'm not mistaken, its suppose to give the Bal NAV as at(date) right?

For Kenanga fund you can buy from as low as 1% from FSM.. so not much hit right? Or you could be just like me, split the two investment, old ones are still with PM (bought in 2003-2005) new purchases with other funds (>2005)... so no performance hit. No need to keep buying under performing funds right? 

Seriously PM is one of the last stalwarts who are still charging 6.5% for their funds... when they want to join the competition...?

I agree , eventually after doing some market survey, i can forsee that you would need  some luck as to earn some healthy ransom through diversifying investment into gold and definitely we need to place some extra effort and time looking into the commodity price movement, unlike as1m, just dump in the money and relaxed for a year wihout any hussle / bussle...

But gold could potentially provide a better yield if the market response is positive, for instance

if i buy today 500g of gold x RM 170/g (PB listed selling price)= RM 85,000

& Let say if the gold price increase to about RM185/g (PB Listed buying price) over 6 months= RM 92,500

Total earnings in 6 months is RM 7,500

Eventually, If the same amount of money i vested into as1m,

RM 85,000 x 6% / 12 = RM425/month X 6 months = RM 2550
Hence, it's looks more profitable to invest into gold...but again it's all depend on market sentiment and your luck as well

what is balanced fund???

ASB or public mutual trust will be better for investment???

thanks...

newbie here, is there any index fund in malaysia? if so, where can i find it? if no, how can i find one?

Hi, my friend just suggested me to join UT, i want to ask like, example if i invest RM500 every month, safer investment, let say 2%, so every month i will get 2% of RM500(compare to fix deposit pay annually 3%)? I'm very noob in investment, first time.

thanks. that is a start.
what i'm curious is for this year, what are the kind of funds that are good to invest in? as i am aware that past performance is does not guarantee future performance. what kind of funds will do well this year?

what is equity for DDI bro?

mind also share why bonds is safer now and not advisable for lump sump in equity funds?

what is the cue to go for/ditch bonds and equity funds?

thanks for sharing. am learning here

kparam77,

in your view, what do you think of the KLCI for 2012, up or down?
and is switching of funds necessary? are you timing the market when you recommend to switch? if so, how do you time the market? 

one other thing, how does investment linked policies compare to unit trust? are they any different or similiar?

kparam77,

how do you time this since you said ?

so you are saying to buy equites when it going up and avoid it when it coming down?

you are saying for active investor to time / trade the market? could you explain further? i m not understanding you.