I am seeing from 4-12% now on Malaysia exposure funds..

But still losing a lot on gold and energy exposure funds

Bond funds will not do anything for not.

Just planning to lock my Malaysia exposure funds..

What do u mean what tren for my funds?

Are they uptrend or downtrend?

Fund movement.

Uptrend for more than 2 months already.. Even my energy and gold also showing uptrend now..

Is it appropriate to say that malaysia bond fund shows a uptrend now? That's what my profit is telling me.

Mine also showing uptrend.. Was slow during feb/mar

For the past 1-2 months, even the most rubbish portfolio would go up

Ya should be..

guys...pls help educate me...why mutual fund want to announce dividends and then eventually the NAV is the same?
i mean, they give you 'dividend' units...but then as usual..the price of the fund will be lowered...

why do this in the first place? anyone really understand how this works? does it really benefit consumers like us?

thanks!

read how to calcualte unit trust in my signature.

dividends or in UT term distribution is given as income from the fund.

It's for a number of marketing reasons which does not benefit the investor/consumer.

As an investor, you should ignore distributions (note the word distribution, not dividend) completely.

Because it does not make any difference to an investor's total returns.

Some (not all) mutual fund distributors allow u to choose:
(1) to re-invest dividends
(2) to received dividends in cash

I believe most of us here belong to category (1), as such dividends do not affect us in any way.

But for those who chose (2), dividends would be a source of cash flow/income to them.

Of course, whether u choose (1) or (2), your net worth position would remain the same.

Illustrated examples...

Mr One invests $100m in ABC Fund.
ABC Fund grew 10% in the past 12 months.
ABC Fund declare dividend.
Mr One elect to reinvest.
His holdings in ABC Fund would be $110m

Mr Two invests $100m in ABC Fund.
ABC Fund grew 10% in the past 12 months.
ABC Fund declare dividend.
Mr Two elect to receive dividend in cash, thus he will receive a dividend cheque (say, $8m)
His holdings in ABC Fund would be $102m, cash on hand $8m

This post has been edited by Pink Spider: Aug 20 2012, 02:37 AM

thanks....means I understand correctly that it is meaningless and just focus on the actual dollar value growth!

2 types of benefits from UT.

1. capital growth.
2. income.

if u young and want to grow ur wealth, go for funds which focus on capital growth.

if u retiree, go for income funds. capital growth is 2nd priority.

distribution is meaningless for growth, but it is important for those look for annual income for spending.

lets say if u manage to grow the value abt RM1mil, upon u retire, switch money to income fudns like bond. assume 1 unit rm1, and u may hv 1mil units. assume 5 sen declare as distribution annualy. u may get rm50k whcih can spend it annualy.

not all the retiree will switch to bond funds, some still stick with growth/equity funds and the distribution is meaning for them too. some may hv more than 1 mil units which can give more income annualy if still 5 sen declared as income.

so, in UT, the more units u hv, its may give more capital growth and more income respectively.

Hello,

I have RM50k to invest, still young looking to increase my capital growth.
Willing to invest up to 5 years.
soo sifus, some questions:
1. How much gain am I looking at in 5 years?
2. How do I choose a unit trust? What should I look out for? Any recommendation?
3. Can I gain more by investing in different banks unit trust?
4. Is there such thing as dividen paying long term investments without buying stocks?
5. Should I focus on one investment, or spread out to others? (gold, stocks, etc.)

Newbie here,
thank you for any pointers.

how do I know which funds concentrate on capital growth or income?

what's the difference between them?
If a fund gives out dividend monthly, I can still invest all the dividend to the fund, is that correct?

Income concentrated fund will generally declare distribution on periodically basis i.e. annually.

Capital appreciation fund will have incidental distribution policy whereby they're not committed to do so.

You should read the fund objective and prospectus.

read the given prospectus at least 3 times for better understanding abt unit trust.

http://www.publicmutual.com.my/LinkClick.a...tA%3d&tabid=105

for the current market condition, inveting rm50k lump sump is not a good idea. better split it and cannot confirm abt the returns for the next 5 yrs. for me its still short term. the longer the better for the rewards. and it depends on the fund performance. u need to choose which fund is cater for ur investment objective which is capital growht with ur risk tolerance.

read the funds objective and difference in prospectus http://www.publicmutual.com.my/LinkClick.a...tA%3d&tabid=105

dividedns only declare annualy(if any) and u can re-invest it without any issue.

1. this depends on your risk profile whether your willing to tk more risk or low risk.
2. anyway like forums, magazine, newspaper or etc
3. for this u need to look at the past records of fund...although past good record din guarantee future will be good too but at least it has a track record for u to refer.
4. getting dividends from unit trust did not increase your wealth. if your looking for steady dividend, why not considering reits?
5. not sure. i only invest in funds and shares and i feel it's enuf.

Personally i think that u can buy good dividend yield shares like carlsbg, gab, pbbank and etc.

Hi guys and all the professionals,

I am so glad to see there are so many members that are willing to help out.

I have no basis of economics/ investment-related knowledge but i am keen in trying to understand the field and especially the concept of Benjamin Graham.
However, i couldn't relate them to Msia's Bursa due to my limited knowledge and source of information.

May i ask where could i obtain more information? (Does The Edge still valid as a good source of information?)
May i ask for the jargon for index fund used in Msia?
As a beginner and learner, may i request for more advice as what i could do to improve my skills of investment (i am hoping to to learn to value a company to invest primarily in dividend instead of capital gain)?

Any advice and guidance are greatly appreciated.

Sincerely