er.. MGM, i copy & reply in REITs thread ar.
http://forum.lowyat.net/topic/1993103/+2000#entry53500137

i worry Mods & fellow forumers cheesed off if i continue on specifically and in details about REITs in a Fund Mgt thread - please bear with me

well said , Wong Sifu

This post has been edited by SKY 1809: Aug 2 2012, 06:15 PM

I have a fund (i mean $) to invest in. My financial goal is rather short (3 years) and I don't know if the fund investment could help me or not.

Kenanga Growth and AmDynamic look promising....

Or should I be more conservative?

AmDynamic is closed for purchases

3 years is rather short, go for bond fund.

hey guys.

i really need some advice on investment plan.i just started working,and this is my 3rd month.for the first month,i only use 30% of my salary balance about 2.5k.my 2nd month just recieve recently,i expect ill save almost the same amount + some allowances will be around 3.5k..my asb already max,just registerd PVS with maybank..readabout mutual funds,but the service +managing cost is quite high..any other investmend that suitable for me ? thanks.

what is PVS?

u cannot escape from SC and others charge/fees from mutual funds. u can get lowest SC from FSM.

i believe u hv max $ in ASB, emergency funds is not issue for u. plan wisely abt ur other commitment before commit for mutual funds. some time dont focus too much on charge/fees..... educate urself how to max ur returns in any investment u do.

its better u start with small amount on regular investment instead put a large lump sum. if u below 30, and a passive investor, force urself to save ur money in mutual funds monthly.
choose the funds which is match with ur risk tolerance. normaly for equity funds, the expactation around 7 to 10% compounded return in long run. if u get 5%, its still better than FD saving, if u get more than 10%, take it as bonus.


basicaly accumulating units is more important in mutual funds. what is ur goal. income or capital gain.

income is u get distribution income annualy and spend it. (bond/MM/dividend funds)
u need to hv more units to receive more income annualy.

capital gain - focus on capital appreciation in long run.
same if u hv more units, the gain is higher.

so, try to accumulate more units towards ur retirement and transfer ur money to income funds to receive income annualy.

so, u hv to plan how many mil units u need to hv for ur future.

simple example;
bonds funds can give at least 5 sen per units.
let say ur monthly expences RM5k = rm60k annualy

rm60k / rm0.05 = 1,200,000 units. which is equel to around rm1.2mil.

so, u hv to invest in equity fund until u achieve rm1.2mil and switch to bond funds for annual income.

if u start early and re-invest the distributions(compounding interest), u may achive the units with lower invested amount than rm1.2 mil.

u can choose wahtever methods,...... DCA,VCA and any other methods u know to achieve ur targets.


for short term, dont invest in mutual fund.

make sure u and ur wealth, well protected with insurance.

my suggetion/sharing only.

I also interested to know what is PVS? TQ

what a very good advise from u bro.thumbs up.

PVS=http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=INV-Investment&cntTypeId=0&cntKey=INS03.07&programId=INS03-InvestmentLinked&chCatId=/mbb/Personal/INV-Investment

investment is a new subject for me.so pls bare with me..mind explain the highlight text ? or u can point anylink,so i could do my homework first before we go deeper..

Thanks for sharing !!! Guan lai PVS is an ILP (Investment-Linked Plan), mainly for protection (insurance). n_n

1.so i read on fundsupermart.before i want to invest,i need to know what type of fund i want invest in,since thats where the risk lies right ? equity funds is the highest..bond lower than equity right..pls advise.

2.what should i see when looking at the fact sheet ? average investor only look at the div,but sophisticated investor will look at the whole pic i guess.

3.saw on this one particular bond the div says 2:1..what does that mean ?

gtg..will continue with my Q's..

1. It depends on your risk appetite. How high risk can you tolerate during volatility? Advise you to do a risk profiler. If you're a conservative investor, your fixed income investment vehicle will constitute majority of your investment portfolio. Up to 70 to 80%. If you're an aggressive investor, you may allocate heavilyy in equity. Don't use FSM profiler, it's a little complicated for newbie because it further divides the equity and bond into local and offshore.

2. Distribution is an attractive section but I don't bother them. For more experienced investors, they may interest on the return table against benchmark, performance chart against benchmark, its asset allocation according to sectors and countries/regions, top holdings, and cash reserves.

3. I assumed that could be referring unit splits. Usually, they may declare at the end of financial year.

This post has been edited by David83: Aug 4 2012, 12:35 PM

thanks david for the reply.

mind sharing what equity and bond fund did u guys invest in ? anybody invest in kenanga growth ?

thanks

Yup

the highlight only an example.

1. u hv to set goal how much u need in the future in unit trust.
2. work on it.

try this... http://www.publicmutual.com.my/InvestmentP...Calculator.aspx

yup as in u have units in kenanga growth bro ? thanks

mind sharing which fund u invested in ? sure thanks bro.

You can look at my current portfolio at FSM thread or following link:

https://forum.lowyat.net/index.php?act=Atta...post&id=2958416

Hi...i have a question to ask. What is the minimum age requirement to invest in a fund?

18 years old

Unless one does a Joint-Account with another who has reach 18 and above.

Icic...hmm is it wise for me to use a little portion of my study loan for investment purposes?