hurm.... well what is your view on that fund?

Generally bond fund could provide return higher than FD; in the range of 5%

Bro and Sis ,

My 2 cents sharing =)
Bond funds works more or less like Unit Trust Funds ...
With the slump market condition ... 70% of world company is posting losses.
Wait for their 4th quarter report and 2008 annual report for those listed companies by end Feb and early march ... there will be another dive in our Equity market....

So .. how can unit trust perform as Unit trust is basicly Fund managers buying the shares for the behalf of us(investors).

The point i would like to say is , it is not how much the equity or UT has drop , but it is the economic condition we are looking at ...

1st case ... using EPF to buy Unit trust ...
Basicly EPF generates 5.5% per annum for your balance outstanding 9 this year could be lower due to economic condition.)

So ... if u take EPF out to do investment , could in confidently find any funds that can yield to you 5.5% per annum ?
Regardless it is a bond fund or Unit trust fund.

Dont forget u pay 11% for ypur EPF , your boss pay 12%(total compounded figuere is 5.5% for 23% of your salary yearly).

Last time (2206 , 2007 )investor fork out money from EPF due to the market bull run. Per annum it can yields 30% 40 % 50% perannum.. so it can covers your 5.5% loss in EPF plus the 6.5% sales charge for Unit Trust... U can work out the figure ....

now , no way .... if your fund could not even breakeven , dun expect it can yields to you positively....

For the question , which fund good to buy ....

My 2 cents .... Unit trust fund is basicly buyiing shares by professionals ....
In the Unit trust mandate , they need to invest proportion of Capital they hav in Equities .. its the fund obligation (read at the prospectus) ... by hook or crook .., they cant hold 100% cash even market is bad ...

Thats why in the economic bad situation, good fund managers with good track records also posting losses ...

Like us investor, we can choose to hold shares , or cash whenever we want ...
Make an example .... if u as a fund manager holds 5% of genting shares and the manager dump most of the shares due to the market uncertainties .... genting will be in deep ship and the price will hit limit down .... Do you think that Genting will let u buy and dump 5% of his company shares that easily ?

For buying UT , cost dollar averaging is a technique being used by most of investor ...
The point i would liek to share is , what funds are you averaging ?

A high growth Equity Funds for New companies and IT base?
Or
A more conservative blue chip company with high dividend yield ?

During bull market we op for choice no1
For bear market we go for 2nd .... as blue chips has been bashed down... for IOI, Genting , Sime, Pbb to grow their prices is few years time is sap sap sui...

U try look at technology Funds .... the company anytime can be delisted from bursa ...

For me , it is more on selection on averaging of the 'mandate of the fund' - what the fund is buying and what is the proportion holding .

2nd , who is the fund manager handling the funds ?
I will chosoe the fund manager who has a good track record at least 5 years ago ... with a good return record ...

then i will pump my money to him ... periodically ...

All this you can view in the internet ...

Cheers

CIMB-Principal Opportunistic Bond Fund

Invest in fixed income, defensive stocks and gold

URL: http://biz.thestar.com.my/news/story.asp?f...61&sec=business

why? do u think that this fund wont grow?

Wow.. these days, the hot topics are crude oil and gold...

None of the PM funds are based on commodities, rite?
I have searched through and I found none.

There're some closed end funds from PM like PB Capital Protected Resources Fund.

Some international advisors are recommending DIVIDEND funds in this bad economic climate.

Are there any such available here?

111

i'm not too sure whether the DIvidend funds mentioned by the mentioned international advisors will be the same as wat i know so far...but this is wat i understand:

DividenD FUnds are basically funds that will invest in good-dividend yielding stocks + they might go for blue chips as well.

We do have a lot of dividend funds available...they usually aiming at giving steady income & respectable capital growth, and usually in moderate risk category or slightly lower.

They can have all kinds of name...like public mutual (pub Far-East Div Fund, Pub Islamic Fund, etc) as well as from other fund houses as well (not being bias, just that i'm more familiar with PM funds)...

So, will be better to check their investment profile to determine whether it is in "DIvidend fund" category

If we really want to get high return, we just have to consider equity funds, be it local or foreign...

Anyone here have any opinions on Icap? the CEF listed on bursa.

Trade online unit trust is it ok...like fundsupermart or eunittrust

http://forum.lowyat.net/index.php?act=Sear...e=fundsupermart

This post has been edited by b00n: Mar 7 2009, 03:44 PM

I heard serice charge is 2% but i saw OSKUOB only 1.5% only...

that 1 should be sales charge. Ya, it is diff depending on the fund. But normally is 2%

HwangDBS US Access 80 Fund launched March 12, 2009

HwangDBS US Access 80 Fund aims to provide capital appreciation through exposure to the S&P 500 index while endeavouring to preserve a minimum of 80% of the Fund’s highest NAV achieved, observed on daily basis.

This fund is suitable for investors who seek preservation of a significant portion of the Fund’s highest NAV per Unit. It is also ideal for those who seek for capital growth through exposure to the S&P 500 Index and have a moderate risk tolerance

URL: http://www.maybank2u.com.my/mbb_info/m2u/p.../INV-Investment

u all heard about eunittrust before?it seems like have more funds than fundsupermart with same charges...

i signed up to fundsupermart, haven't made any transactions yet. They just sent me a copy of their funsupermart magazine, FREE.

awesome!

ya... Just found out that they got new payment method which is Maybank Fund Transfer.