Wow... Very good info! To be honest,I never invest in stock or fund before. As usual, I will put part of my salary as FD only. Now finding alternative to get extra pocket money.

Can elaborate further what is planting seeds of growth? Is it FD interest? LOL...

Mr. WongMunKeong, how would you classify ASW, AS1M and ASM?

ASW, AS1M & ASM are balanced or mixed funds. Typically they invest about 60% into equity (mostly stable, dividend producing ones) and another 40% into fixed rate commercial/govt bonds. 

Play shares better lar - High Risk BUT.............. VERY DAMN HIGH RETURN

HAhhahhahahaha  

I also beg to differ... 

I invest in both mutual funds and direct share trading, both is equally risky and the gains are comparable as well. Just think of it this way, mutual funds are like diverse investment, where you are using a shotgun to hit a target, where you get everything including the good, the bad and the ugly. Stock investment, is more refined, like using sniper to target and get the investment return you want (but you might get an ugly one  ).

Using unit trust investment, you need to monitor the macro economy where the funds are highly correlated to the benchmark. In direct share investment, you can be more versatile, as you may even gain when the stock market performs poorly (and also the opposite  ). Some UT have risk higher than shares (swaps) and some shares have lower risk than UT (REIT). 

Both have it's pros and cons, and none is more superior to the other. Basically I use mutual funds for fixed income investment (local and international), specific niche investment (commodities swap etc) and foreign shares (China A-class, Korea stock exchange etc.) which is not widely available for purchase.

Relying on only 1 type of investment might get you boxed in if the time is not right, but don't over own everything until your investments can't even move. Balance your investment to specific target and stick to it, don't go and buy every tom, d*** and harry investment you can find.

Mind to recommend which mutual funds are good to invest?

hello ladies and gentlemen, wanted to ask.:

1. If the prices of fund drop, do I lose the money and do I need to keep pumping money whenever the prices of a unit trust drop?

2. Why is it money will not lose even the prices of unit trust drop?

icic, so basically i invest 1k and if the unit trust price drop, i will lose few cents there. same like shares but the risk of losing money is not severe as in stock market?

fuuu, like that not differ with stock market la??

i know about it just the more i learn the more i confuse lol. Ah dono if it justified the rm250 paid for exam to get licences to become utc. I think i better become investor first and learn from the bottom

but need to go for exam rite?

multiple choice right?

MNet: Can share where/URL to get this type of Lipper Rating for all funds in Malaysia?

Newbie question here 
I just wonder why there is so many fund that come from Insurance company,
and how public really invest in them?
I'm not mean to get an insurance but to invest, since we can get only 60-70% from insurance (if nothing happen to me/us) 

^ @wongmunkeong

I just need a reasoning why I'm more into unit trust rather than insurance.

When I'm talking with my friend about my preference on unit trust, he has a strong believe in insurance, and he is in fact had 2 or 3 different insurance.
He somehow make me in doubt.

I just wondered what a company like Public Mutual and the like get when the collect money from people, invest, then give it back to people.
They minus the management cost, but what else?

Do they get profit from it? I thought they try to reduce the management cost as minimal as they can!

anyone else investing in Amdynamic bond? Or areca equity? Imo the amdynamic bond is well performed.

u mean areca or amdynamic bond? what do you mean by back load?