A new investment link policy comes with an auto debit feature whereby if you do not pay your montly payment, the insurance premium is automatically deducted from your cash value ( savings/investments , units built up from previous payments ) so your policy is still in force. Provided you keep sufficient money/cash value in the accounts.

There is no interest charged ( traditiional policy does ).

It could be an added advantage. You can top up more to buy units ( investments ) so future premiums could be debited. It is flexible.

Of course, there are pros and cons too.

This post has been edited by SKY 1809: Jun 15 2008, 09:46 AM

You are partly correct, but even with stocks, you can actually reduce the risk if you hold fundamentally strong stocks for longer periods.
Stocks with great business growth will ride through in times of volatility.
Commodities, such as gold, used to be safe haven, but now with hedge funds speculating on commodities index, we can hardly say that gold is safer as compared to stocks. Unit trust is considered safe because of the portfolio diversification, which reduces the risk, and you have experienced managers behind each of the funds.

If you want to look for investments that you can top up without commitment, then I'd say unit trust is the best choice.
Stocks comes second, but the time required for monitoring is tremendously long.
So, all in all, we want something that will compound our savings while we just leave it there without worry.

In time of uncertainties, investors usually looking for some certainty.

Capital Guarantee Investments perhaps work better with today investment climates. , the uncertainty and slower economy.

A good asset class when comes to asset/risk allocations. A good wealth protection tool.

It is my personal opinion that Capital Guarantee has a better capital protection than REITS , though not actually comparing apple with apple. The returns could be equally attractive as REITs on papers, actual performances may vary from one fund manager to another. Withholding tax on reits are quite high.

But for a period of 2 to 3 years is rather short for Capital Guarantee investment standard, especially for Maybank where the track records are lacking ( they sound too bullish )

This post has been edited by SKY 1809: Jun 15 2008, 10:33 AM

hi,

have you been in the retail managed fund industry before? do you know who exactly is your fund manager? do you know of their credentials?
do you know how they're being hired into the company?

find the answers and you'd only know what your own assumption about being "safe" is properly aligned to reality... or not.

hi,

don't ever take the word for it.. do you really understand this product?
do you know how this product derives it's underlying guarantee?
do you know all the variables that can influence/impact such guarantee status?
do you know what sort of efficiency/inefficiency in terms of cost to place such an guarantee for the issuer?

if you have no idea what i'm talking about.. you're merely buying shampoo at hypermarts.

If you think you know a lot of things about them.

It is time for you to share some things, good or bad of them. This is what this forum for.

We can debate here.

Honestly no one product is perfect to all, may be to some only. But in time to come, this product can be perfected. The bottom line is whether the banker could produce the desired returns as advertised. It could and might not, or doing better than expected.

If they do able to produce desired returns covering all the expensive costs, then it is fine.



And if you want to know the A to Z, then it is your duty to call up Maybank. It is not my job to do the A to Z and report back to you.

If an investor has 500k in FD, and wants to earn slightly better than FD without taking much risk. Supposing bank can only guarantee 65K of 500k if the bank is facing a problem.

What is your investment advice to be given to him or her, if he insists he wants 500k to be guaranteed and other than FDs ?

If you are given a job to perform as CEO of the company, basically your job is to solve the problems. You are not paid only to bring out the problems of the company,without offering any solutions.


I did mention some things about Guarantee product in other threads, and it is boring to repeat the same things again and again. I am sure no one is interested in it.

And till today, i have not heard that investors are getting less than Capital Guarantee. If you do, let us know.

Anyway, I am not the sales person for Maybank.

This post has been edited by SKY 1809: Jun 15 2008, 04:38 PM

Are you implying that you are more experienced than the managers, who have been with the company for years?
If not, it is time you trust someone who is BETTER than you. Criticising someone's credentials is nothing more than criticising your own wits.

there isn't a need to debate here.. from your generalization, it tells me that you're too amateurish to provide comprehensive knowledge about a structured product.

i just find it annoyingly cautious when you keep on harping on the word guarantee.. when the fact is, there is an underlying clause to safeguard the bank for such guarantee.

thus i advocate an awareness to the consumer rather than believing colorful brochures or worst still, believing hearsay from people like you.

i'm just stressing on the guarantee clause here.. read carefully!!

can't discern the difference between questioning and criticism is it?

do you even know the names of the fund manager(s) who manages your fund? assumed you have one to boot..

i'm questioning those blind stupidity at complying at every hearsay and endorsing them without knowledge of what goes into the decision process..

in essence, are you merely a "pak turut"?

Which fund manager's name do you need? I can name all the fund managers in Public Mutual if you want to
I might know the names, but I will not know what they're doing with the money.
Who cares how they manage the funds, as long as they manage it better than any layman would, right?
That is what unit trust is about, we just leave it to the fund managers, because that IS their job.
I assume you have invested in unit trust too, correct me if I am wrong. If I am right, so why DID you invest, when you do not know what the fund managers are doing? First of all, what QUALIFICATIONS that you have to even questioning the decisions of fund managers?
I hope I do not have to take this further, because I feel it is plain useless to even continue this "conversation"

i know my fund manager and their capability.. enough?
i managed a syndicated hedge funds before.. enough?

you only know their names.. what tok you?

This post has been edited by lwb: Jun 16 2008, 07:25 PM

What is the big deal if you managed funds before.

There are many US hedge funds went bust too. There were far too many fund managers failed badly.

Even a football team that had won a match 10 years back, it does not mean they are good forever.

You talk as if the whole world would collapse if without you.

Frankly speaking, the rich and the super rich do not have to go around , and telling people they are rich. Only those not so rich do that.

This post has been edited by SKY 1809: Jun 16 2008, 08:22 PM

so, everybody.. this is what i'm trying to illustrate..
for those who trust their fund managers blindly are as dumdig as yourself..
fund managers know what they're doing.. konon!

This post has been edited by lwb: Jun 16 2008, 08:22 PM

A professional Fund Manager by professional standard would not condemn other fund managers, and without doing any analysis.

Only the unprofessional ones do, and with lots of bad feeling at heart.

This post has been edited by SKY 1809: Jun 16 2008, 08:31 PM

Which fund you think has good fundamentals with the support of a good fund manager than lwb? Would be good if you could share with us and do tell us why. Maybe you can help me place my investment in better hands

I know nothing bout fund managers (except their names from the prospectus) I only look at the risk as well as the type of investment that the said fund would be investing it. Other than those I leave it mostly on reliability and credibility of the company.

i advocate "caveat emptor" but you still got it out of context again..
do you seriously have comprehension issue here ah?

becareful.. don't trust blindly.. get it?!?

lwb, thank you for your kind sharing with us. I really appreciate what you are trying to do
So, since you said that, we all SHOULD interview each and every fund managers that we come across to assess their credibility.
To all investors and prospective investors, heed lwb's advice and get to know your fund managers.

A very good suggestion indeed.

Shall we start to interview those ( fund managers and ex fund managers ) who are actively in the forums ?

This post has been edited by SKY 1809: Jun 17 2008, 08:24 AM

I believe we should, and not many can be found in this forum
Who should we start with then?

just to clarify, the withholding tax for REIT at fixed at 15%. the word 'HIGH' would depends on how high you are tax(your tax bracket).

This post has been edited by ante5k: Jun 17 2008, 12:46 PM