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> Fund Investment Corner v2, A to Z about Fund

leekk8
post Jun 18 2008, 05:44 PM


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Just to share about the historical performance of all the equity funds in Msia.

1 year return ranking:
1. OSK-UOB Resources – 28.10%
2. OSK-UOB Emerg Oppty – 26.30%
3. Public SmallCap – 25.32%
4. Public Far-East Select – 22.58%
5. CIMB Islamic SmallCap – 21.28%
6. PB ASEAN Dividend – 20.22%
7. HLG Industrial and Tech Sector – 19.57%
8. PB Growth – 18.33%
9. PRUglobal basics – 17.93%
10. HwangDBS Glo Emerging Markets – 17.84%
11. AmGlobal Agribusiness – 17.84%
12. Public Regional Sector – 16.84%
13. CIMB Principal Small Cap – 16.60%
14. AMB Value Trust – 16.46%
15. OSK-UOB Smart Treasure – 16.16%
16. CIMB Islamic Equity – 16.11%
17. CIMB Principal Equity Growth & Income – 16.10%
18. Public Islamic Opportunities – 15.94%
19. PB Asia Equity – 15.25%
20. CIMB Islamic DALI Equity – 15.23%


3 year return ranking: (Annualized Return)
1. OSK-UOB Smart Treasure – 38.62%
2. CMS Islamic – 34.98%
3. HLG Industrial and Tech Sector – 34.88%
4. OSK-UOB Emerg Oppty – 33.09%
5. PB Growth – 32.65%
6. AMB Value Trust – 32.16%
7. Public Aggressive Growth – 32.07%
8. Public SmallCap – 31.13%
9. Manulife Equity – 30.96%
10. AMB Ethical Trust – 30.46%
11. MAAKL Progress – 30.14%
12. CIMB Islamic DALI Equity – 29.78%
13. CIMB Principal Equity – 29.60%
14. Uni Aggressive 29.34%
15. CIMB Principal Equity Growth & Income – 28.62%
16. CIMB Principal Equity Aggressive 1 – 28.48%
17. MAAKL Value – 28.15%
18. CIMB Islamic Equity – 28.06%
19. OSK-UOB Small Cap Opportunity – 27.88%
20. CIMB Principal Equity Aggressive 2 – 27.78%


Sources: http://www.lipperweb.com

This post has been edited by leekk8: Jun 18 2008, 05:44 PM
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David83
post Jul 1 2008, 07:10 PM


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HwangDBS Investment declares income distribution

KUALA LUMPUR: HwangDBS Investment Management Bhd (HwangDBS IM) declared an interim gross income distribution of 0.5 sen for the HwangDBS Select Income Fund (SIF) for the financial period ended June 30.

SIF had registered a total growth of 27.31% on its net asset value per unit (NAV/unit). All SIF unit holders registered as at June 24 this year were eligible to receive the income allotment.

HwangDBS IM said Tuesday the 0.5 sen gross income distribution for SIF’s was the sixth distribution since its launch on Jan 6, 2005.

It also declared a final gross income distribution of 0.75 sen for the HwangDBS Select Bond Fund (SBF) also for the financial year ended June 30.

It added all unit holders registered as at June 24, were eligible to receive the income allotment. SBF registered a total growth of 25.75% on the net asset value per unit (NAV/Unit) since its launch in July 2003.

HwangDBS IM chief executive officer and executive director Teng Chee Wai said despite challenging market conditions, it was able to declare income distributions on the two funds and meet with the expectations of those who had invested over the mid to long term.

He said as with most investments, the challenge was to manage performance volatility, consistency and meeting with the fund’s investment objective.

Teng said that SIF has consistently on the uptrend since inception and offer stable returns with minimal downside even when markets were extremely volatile.

As for SBF, he said it was well-positioned to take advantage of potential rally, currently an all-corporate bond portfolio.

URL: http://biz.thestar.com.my/news/story.asp?f...53&sec=business
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David83
post Jul 2 2008, 08:31 PM


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AmIslamic to distribute RM40m worth of certs

KUALA LUMPUR: AmIslamic Bank Bhd aims to distribute up to 11,000 subscription certificates worth more than RM40mil for its newly launched scheme, AmHigh Takaful Investment-Linked Plan, in a year in the Klang Valley, said chief executive officer Ahmad Zaini Othman.

The plan would be distributed via AmBank and AmIslamic Bank's 183 branches in three phases, with the first six months in the Klang Valley.

The tripartite arrangement between AmIslamic, Takaful Ikhlas Sdn Bhd and FWU Group is suitable for people who wish to invest for their future financial needs such as for retirement, education and for generating wealth.

Ahmad Zaini said AmIslamic would act as distribution agent, Takaful Ikhlas the takaful underwriter and FWU Group as system and shared services provider

"As part of global reach and a means of global diversification and risks mitigation, we also invest up to 50% of the net asset value in international unit trust funds,” AmBank group chairman Tan Sri Azman Hashim said at the launch of the plan.

He said this investment would allow AmIslamic not only to offer innovative investment strategies with the potential for attractive returns but also take into account the need to manage investment risks.

“The product is offered through FILOS, a front office application system developed by our partners, FWU and this online application process is the first of its kind in the Asia-Pacific region,” he said.

He said the participants could opt for lump sum contribution or regular contribution plan in AmHigh Takaful Investment-Linked Plan.

“For lump sum contribution, the tenure is between one and 52 years while for regular contributions, the tenure is between 10 and 52 years.

“The minimum lump sum contribution is RM5,000 while regular contributions are as low as RM200 a month,” he said.

Azman said the plan also offered participants the option to choose suitable investment allocations between AmHigh Islamic Cash Strategy and AmHigh Islamic Equity Strategies.

“The power in investing in unit trust funds is that it leverages on the multi-manager advantages,” he added. – Bernama

URL: http://biz.thestar.com.my/news/story.asp?f...87&sec=business
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David83
post Jul 5 2008, 09:16 AM


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CIMB-Principal confident new fund will do well

KUALA LUMPUR: CIMB-Principal Asset Management Bhd is confident that its latest product, the syariah-compliant CIMB Islamic Global Emerging Market Equity Fund, will provide respectable annual returns from investments in regions such as Eastern Europe, Africa, the Far East and Latin America.

Chief executive Datuk Noripah Kamso said the fund would invest in companies from those regions that have businesses in sectors such as infrastructure, commodities and technology.

“Strong global demand for petrol has benefited oil-producing economies such as Brazil, Russia and Mexico. With the slowdown in the US and European economies, emerging markets are set to rank among the world’s largest economies in the coming decades,” she told reporters at the launch yesterday.

“To mitigate the current market volatility, investing in this fund will provide investors an enhanced global diversification across the multiple emerging markets.

“The emerging markets cater to a wide range of currencies which may serve as a hedge against the current concern of investors – domestic inflation.” she added.

Principal Global Investors (PGI) will sub-manage the CIMB Islamic Global Emerging Market Equity Fund.

Noripah said emerging markets had outperformed global equities for the past five years due to strong earnings growth.

“Despite global economic uncertainties, the emerging market economies are still in a better position, showing stronger GDP growth,” she said in a statement.

The fund has a total approved size of 300 million units of 50 sen each.

The minimum investment required for any investor is RM1,000.

URL: http://biz.thestar.com.my/news/story.asp?f...59&sec=business
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M@g!cK
post Jul 10 2008, 12:50 AM


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Anybody here heard about maybank's investment linked PremierInvest Single Premium funds (e.g. Premier Index Fund)? Details of those funds are here. A maybank financial executive recommended me to invest in Premier Index Fund, but I had doubts on its performance.

Seeking advice from anyone who knows or has invested in this fund. notworthy.gif

This post has been edited by M@g!cK: Jul 10 2008, 01:00 AM
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leekk8
post Jul 10 2008, 11:34 PM


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Lipper Leaders of Malaysia: (30 Jun 2008)

Timeframe: Overall
1. AIA Capital Gteed Acct Srs 2 - Guaranteed
2. AIA Guaranteed Growth Account – Guaranteed
3. Avenue Bond EXTRA – Bond MYR
4. CMS Bond – Bond MYR
5. Dana Sejati - Bond MYR
6. Lion Fixed Income - Bond MYR
7. MAA Capital Guaranteed 1 – Guaranteed
8. MAAKL Al-Faid – Equity Malaysia
9. MAAKL Progress – Equity Malaysia Sm&Mid Cap
10. MAAKL Syariah Index – Equity Malaysia
11. Pacific Dividend - Equity Malaysia
12. Pacific Income - Mixed Assets Other Conservative
13. Uni Strategic – Equity Malaysia

Timeframe: 3 Year
1. AIA Capital Guaranteed Acct 3 – Guaranteed
2. AIA Dana Dinamik – Equity Malaysia
3. AMB Value Trust – Equity Malaysia
4. Avenue Bond EXTRA – Bond MYR
5. CMS Bond – Bond MYR
6. Dana Sejati – Bond MYR
7. Great Guaranteed Growth – Guaranteed
8. Lion Fixed Income – Bond MYR
9. MAA Capital Guaranteed 1 – Guaranteed
10. Pacific Dividend – Equity Malaysia
11. Uni Strategic – Equity Malaysia

Timeframe: 5 Year
1. AIA Capital Guaranteed Account – Guaranteed
2. AIA Capital Guaranteed Acct 2 – Guaranteed
3. Avenue Bond EXTRA – Bond MYR
4. CMS Bond – Bond MYR
5. Dana Sejati – Bond MYR
6. Lion Progressive – Equity Malaysia
7. MAAKL Al-Faid – Equity Malaysia
8. MAAKL Bond – Bond MYR
9. MAAKL Syariah Index – Equity Malaysia
10. Public Islamic Equity – Equity Malaysia
11. Public Ittikal – Equity Malaysia

Timeframe: 10 Year
1. Public Bond – Bond MYR


Source: http://www.lipperweb.com

Top 20 Performance Equity Funds in Malaysia: (30 Jun 2008)

1 year:
1. OSK-UOB Resources – 18.56%
2. HLG Industrial and Tech Sector – 14.62%
3. PB Asean Dividend – 12.39%
4. PRUGlobal Basics – 10.64%
5. MAA Capital Guaranteed 2 – 9.63%
6. OSK-UOB Emerg Oppty – 9.63%
7. MAA Capital Guaranteed 3 – 9.35%
8. AMB Value Trust – 9.22%
9. MAA Capital Guaranteed 1 – 9.08%
10. PB Growth – 7.66%
11. AmNew Frontier – 7.54%
12. CIMB Islamic DALI Equity Growth – 7.28%
13. Public SmallCap – 6.97%
14. PRUlink Guaranteed Account – 6.85%
15. CIMB Islamic Small Cap – 6.75%
16. AmGlobal Agribusiness – 6.26%
17. Public Far-East Select – 6.10%
18. CIMB Islamic Equity – 6.01%
19. CIMB-Principal Small Cap – 6.00%
20. CIMB-Principal Equity Growth & Income – 5.88%

3 year (Annualized Return):
1. OSK-UOB Smart Treasure – 34.23%
2. CMS Islamic – 31.89%
3. HLG Industrial and Tech Sector – 31.03%
4. AMB Value Trust – 29.10%
5. OSK-UOB Emerg Oppty – 28.68%%
6. PB Growth – 28.41%
7. Public SmallCap – 27.72%
8. AMB Ethical Trust – 27.25%
9. Public Aggressive Growth – 27.02%
10. Uni Aggressive – 26.70%
11. Manulife Equity – 26.47%
12. MAAKL Progress – 26.42%
13. CIMB Islamic DALI Equity – 25.18%
14. CIMB Principal Equity – 24.90%
15. Public Islamic Opportunities – 24.52%
16. OSK-UOB Small Cap Opportunity – 24.52%
17. MAAKL Value – 24.41%
18. ING OA Inv- ING Ekuiti Islam – 23.65%
19. ING Dana Suria Ekuiti – 23.53%
20. CIMB Principal Equity Growth & Income – 23.44%

5 Year (Annualized Return):
1. PB Growth – 24.77%
2. Manulife Equity – 22.75%
3. AMB Value Trust – 22.11%
4. Public SmallCap – 21.85%
5. Public Aggressive Growth – 21.04%
6. CMS Islamic – 20.80%
7. ING Dana Suria Ekuiti – 20.80%
8. AMB Ethical Trust – 20.06%
9. Public Ittikal – 19.77%
10. Public Industry – 19.56%
11. OSK-UOB KLCI Tracker – 19.40%
12. CMS Premier – 19.33%
13. ING Equity – 19.02%
14. Public Equity – 18.90%
15. MAAKL Progress – 18.73%
16. MAAKL Al-Faid – 18.60%
17. Public Islamic Equity – 18.55%
18. Public Growth – 18.29%
19. Lion Progressive – 18.16%
20. Public Savings – 18.16%


Source: http://www.lipperweb.com

This post has been edited by leekk8: Jul 10 2008, 11:41 PM
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leekk8
post Jul 10 2008, 11:40 PM


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Bottom 20 Performance Equity Funds in Malaysia: (30 Jun 2008)
Bracket indicate negative value.


1 year:
1. Philip Master First Ethical – (40.64%)
2. AmPan Europena Property Eq – (31.59%)
3. RHB Technology – (28.52%)
4. OSK-UOB Global New Stars – (24.49%)
5. AmAsia-Pacific Property Eq – (23.43%)
6. AmGlobal Property Equities – (22.97%)
7. AmGlobal Enhanced Equity Yield – (21.07%)
8. CMS Premier – (20.78%)
9. HwangDBS Global Property – (20.17%)
10. ING OA Inv- ING Growth Opp – (17.80%)
11. RHB Global Themes – (17.58%)
12. HwangDBS Select Opportunity – (17.48%)
13. Pheim Asia Ex-Japan – (17.29%)
14. ING Global Dividend – (17.26%)
15. PRUglobal Equity Blend – (17.10%)
16. AIA International SmallCap – (17.06%)
17. OSK-UOB TMT Focus – (16.46%)
18. ING Global Real Estate – (16.18%)
19. PRUSmall Cap – (16.03%)
20. HLG Dividend – (16.01%)

3 year:
1. Philip Master First Ethical – (7.37%)
2. RHB Technology – (4.03%)
3. AMB SmallCap Trust – 5.56%
4. MCIS Zurich Equity – 6.12%
5. HLG Trading/Services Sector – 6.44%
6. Amanah Saham Kedah – 6.92%
7. Amanah Saham BSN – 7.11%
8. ASM KMBY Kelima – 7.76%
9. Allianz Life Equity – 7.78%
10. MAAKL Pacific – 8.32%
11. PJB Dana Johor – 8.54%
12. ASM KMBY Ketujuh – 8.73%
13. HLG Dividend – 8.76%%
14. Allianz Life Dynamic Growth – 9.01%
15. Amanah Saham Darul Iman – 9.10%
16. ASM Saham Pekerja TNB – 9.31%
17. PRUlink Guaranteed Account – 9.32 %
18. ASM Premier – 9.35%
19. TA Small Cap – 9.50%
20. Apex Malaysia Growth – 9.64%

5 Year:
1. Phillip Master First Ethical – (0.98%)
2. RHB Technology – (0.92%)
3. PJB Dana Johor – 5.72%
4. MCIS ZURICH Equity – 6.27%
5. Amanah Saham Darul Iman – 6.28%
6. AUTB Dana Bakti – 6.40%
7. CIMB Islamic Small Cap – 6.55%
8. PJB Amanah Saham Angkasa – 6.71%
9. Amanah Saham BSN – 6.74%
10. CIMB Principal Small Cap 2 – 7.03%
11. AmIttikal – 7.09%
12. AUTB Tactical – 7.54%
13. RHB Malaysia Recovery – 8.01%
14. AMB Unit Trust – 8.40%
15. Amanah Saham Kedah – 8.61%
16. Apex Malaysia Growth – 8.83%
17. ASM Saham Pekerja TNB – 8.87%
18. MAA Technology – 9.06%
19. ASM Dana Bestari – 9.11%
20. MAA Capital Guaranteed 1 – 9.18%

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ganabathi
post Jul 12 2008, 12:21 AM


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plz recommend me a fund that i can star my investment.. PB now the price low...this is the best time to buy izit...

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Jordy
post Jul 12 2008, 12:45 AM


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QUOTE(ganabathi @ Jul 12 2008, 12:21 AM)
plz recommend me a fund that i can star my investment.. PB now the price low...this is the best time to buy izit...
*
As we mentioned several times before, there is no right or wrong time to buy a fund. Some might think it is a good time, but some might think otherwise. It all depends on how much risk you are able to take.
Say for example, if you are high risk taker (aggressive), you can start putting in half of your available cash now, and keep another half for a bit later, if market drops more.
On the other hand, if you are a low risk taker (conservative), you may start by investing the minimum amount at a time (ie RM1,000). If market drops further, you may add another RM1,000 into it. So, if you have RM4,000, you have for chances, and if you have RM5,000, you have 5 chances.
Since we won't know when the bottom is (more news are affecting the market daily), what we can do is to try picking bit by bit, and hopefully we are lucky enough to pick almost/at the bottom smile.gif
I am attached with Public Mutual, so if you need advice in real time, you could PM me your MSN contact.
This has to be done through an assessment of your financial health and your ability, so the best bet at the moment is via MSN smile.gif

Regards
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insaint
post Jul 12 2008, 02:54 PM


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Hi,

Recently i was approached by a Financial Planner from HLA, as he was presenting some FD+investment+Insurans plan which has at least 25% rate of return of the sum you insure...it's called HLA promise plan which offers a kinda attractive plan.

And the best thing is you can pay monthly yet taking the "at least" 25% interest and have a insurans attached like a FD growing with devidends payable when you surrender your plan or the term is over....

But before i am commited to this plan thought of asking some PROS overhere for some advice....

They also offers a rider plan which may double your interests in the event you are gone in the middle of the term.

Any advice and opinion from you guys??

thanks in advance

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Jordy
post Jul 12 2008, 05:21 PM


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QUOTE(insaint @ Jul 12 2008, 02:54 PM)
Hi,

Recently i was approached by a Financial Planner from HLA, as he was presenting some FD+investment+Insurans plan which has at least 25% rate of return of the sum you insure...it's called HLA promise plan which offers a kinda attractive plan.

And the best thing is you can pay monthly yet taking the "at least" 25% interest and have a insurans attached like a FD growing with devidends payable when you surrender your plan or the term is over....

But before i am commited to this plan thought of asking some PROS overhere for some advice....

They also offers a rider plan which may double your interests in the event you are gone in the middle of the term.

Any advice and opinion from you guys??

thanks in advance
*
Not even Warren Buffett (world's richest man from stock investment) is THAT confident to pay 25% GUARANTEED interest, and HLA is so confident that they are able to do it?? Insaint, please do your due diligence before investing in anything that "promises" you any return.
What HLA do with the money is to "feed" into other unit trust funds and invest some of it into stocks. During market downturns like this, even Warren Buffett is losing money with his investments.
Think twice when people say that to you wink.gif
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insaint
post Jul 13 2008, 02:19 PM


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thanks Jordy for your advice, as i called the HLA agent, he explain to me that HLA is offering something more like a Insurans + FD + investment link plan, the first in the market as it is true and HLA promise that it gonna work... as he also said that the interests you get you will be able to collect it on the 2nd year of the term and the 4th and 6th year respectively...

and to ensure your confident and believe in such a plan he also said that you can call him anytime or you may leave your number and he will call you to arrange an appointment to explain the plan to you...

anyway thanks for you advice, as i am kinda keen to buy this plan, as it's better then to put into FD, with the market like this FD rate would be revised anytime...and no harm trying this plan as every investment also got risk involved but with it's 25% interest rate and Insurans involved, it might worth a try.

Anyway, for you, no harm listening to this agent? as i might feel better that you try to call him and listen to his plan then decide on whether this work anot then maybe i really no need to worry about this anymore and let the money rolls it self, as PROS like you would identify whether this is a CON or whatsoever.

Thanks Jordy

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Jordy
post Jul 13 2008, 03:25 PM


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QUOTE(insaint @ Jul 13 2008, 02:19 PM)
thanks Jordy for your advice, as i called the HLA agent, he explain to me that HLA is offering something more like a Insurans + FD + investment link plan, the first in the market as it is true and HLA promise that it gonna work... as he also said that the interests you get you will be able to collect it on the 2nd year of the term and the 4th and 6th year respectively...

and to ensure your confident and believe in such a plan he also said that you can call him anytime or you may leave your number and he will call you to arrange an appointment to explain the plan to you...

anyway thanks for you advice, as i am kinda keen to buy this plan, as it's better then to put into FD, with the market like this FD rate would be revised anytime...and no harm trying this plan as every investment also got risk involved but with it's 25% interest rate and Insurans involved, it might worth a try.

Anyway, for you, no harm listening to this agent? as i might feel better that you try to call him and listen to his plan then decide on whether this work anot then maybe i really no need to worry about this anymore and let the money rolls it self, as PROS like you would identify whether this is a CON or whatsoever.

Thanks Jordy
*
- I'm no PRO, but just keeping myself educated more on finance and investment.
- sorry to say that I am not interested in any promises that don't seem fit.
- FD rate is not directly affected by equity markets, but rather by interest rate.
- I cannot make any commitment at the moment because all my money has been tied up.
- I do not just TRY things because it involves MONEY.

Sorry to have to disappoint you, and good luck in your "investment" smile.gif

This post has been edited by Jordy: Jul 13 2008, 03:25 PM
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leekk8
post Jul 13 2008, 10:20 PM


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QUOTE(insaint @ Jul 13 2008, 02:19 PM)
thanks Jordy for your advice, as i called the HLA agent, he explain to me that HLA is offering something more like a Insurans + FD + investment link plan, the first in the market as it is true and HLA promise that it gonna work... as he also said that the interests you get you will be able to collect it on the 2nd year of the term and the 4th and 6th year respectively...

and to ensure your confident and believe in such a plan he also said that you can call him anytime or you may leave your number and he will call you to arrange an appointment to explain the plan to you...

anyway thanks for you advice, as i am kinda keen to buy this plan, as it's better then to put into FD, with the market like this FD rate would be revised anytime...and no harm trying this plan as every investment also got risk involved but with it's 25% interest rate and Insurans involved, it might worth a try.

Anyway, for you, no harm listening to this agent? as i might feel better that you try to call him and listen to his plan then decide on whether this work anot then maybe i really no need to worry about this anymore and let the money rolls it self, as PROS like you would identify whether this is a CON or whatsoever.

Thanks Jordy
*
25% return per annum? If start to get it after 15 years, and take the interest for 10 years, maybe still possible. If once you buy the policy and get 25% return per annum straight away, it's impossible. Most of this kind of plans now offer 4% guaranteed return and 3% projected return.

You should call up to HLA office and confirm but not just listen to what the agent said, unless you can see the policy state clearly about the rate of return in black and white before you sign for the plan.

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insaint
post Jul 14 2008, 10:13 AM


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yes, i have confirm with HLA already with the quotation and a detailed report on figures that i would get, yes term is for at least a 6 years, 8 years or 10 years plan which they offer, but ofcourse you can cancel it early but with less return and the figures is not so nice, but the most interesting part is that you will get your 25% interest the second year after your first year of anually of what you have paid.

Nice plan isn't it? hopefully it works only as it serve better then FDs, somemore they also assured you a insurans plan which pays you the amount you assured if in the middle of the term you are gone dead, and best part is you will get the full amount, let's say you put in 100K which you gonna pay the 100k in ten years, but in the middle of the plan let's say 5 years, you gone dead with 50K paid, but you are half dead or dead on the 5th year, they pay you 100K plus, you still get the interests on the 6th year, 8th year and 10th year.

but the sad thing is that they will only pay you if you are half dead or dead with no other scenario, so it's kinda sad and happy on the other part. Touch Wood~!! my god, hopefully i will be able to use the money back myself...

KInda nice plan right?? it's true that it's too good to accept, but with black and white documents with HLA, i think it's more really like a starting off by HLA then a Scam, sooner or later other insurans like GE or Prudy willl also follow, just who started it first.

Anyway, every investment comes with risks, but does it worth to try? so from my opinion i guess at least i am on a safer side then other investments like shares or bond cause come to think of it, i still get an insurans on my life and i still get back the sum of money i paid when the times ripes.


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cherroy
post Jul 14 2008, 10:23 AM


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What I see is just a normal insurance saving plan only + investment link (a lot of investment link is using your money to buy UT only), nothing to shout about. Almost all insurance companies carry more and less the same structure.

Remember, there is no such thing as promise or not in insurance policy. Either it is guaranteed or not only in the policy. If it is not guaranteed, then it is not, whatever figure (projected) list out is useless.

Also the 25% return is pa or after 10 years? Also it might also a projected number based on historical data which doesn't promise nor guarantee you anything.

Don't get me wrong, it is no harm to find out more about, just must make sure clear everhthing about it before you bought, don't want to see people bought then after find out not as same as promise then regretted. (A handful of people bought insurance has this kind of situation). If it is indeed suit to your need then fine.

Just my 2 cents. smile.gif
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kingkong81
post Jul 14 2008, 10:40 AM


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I also bought a almost similar 'Saving-Plan' from Great Eastern 2 years back.

Will have to pay certain sum every year for consecutive 10yrs before sitting back & get the return at constant rate.

I also forgot wat is the return they promise...something like compulsory 5% interest p.a. with 'bonus return' of 7% p.a. (this section is where they invest in market...i suppose, not promised 1). The exact rate will have to go & recheck my policy.

It does offers insurance together with it.

But with a return of 25% p.a. ...it really sounds too good for such a safe & low risk investment. but like everyone else advised on, no harm enquire more. Ask for bout the 'if' & 'what if'... smile.gif
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insaint
post Jul 14 2008, 10:49 AM


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QUOTE(cherroy @ Jul 14 2008, 10:23 AM)
What I see is just a normal insurance saving plan only + investment link (a lot of investment link is using your money to buy UT only), nothing to shout about. Almost all insurance companies carry more and less the same structure.

Remember, there is no such thing as promise or not in insurance policy. Either it is guaranteed or not only in the policy. If it is not guaranteed, then it is not, whatever figure (projected) list out is useless.

Also the 25% return is pa or after 10 years? Also it might also a projected number based on historical data which doesn't promise nor guarantee you anything.

Don't get me wrong, it is no harm to find out more about, just must make sure clear everhthing about it before you bought, don't want to see people bought then after find out not as same as promise then regretted. (A handful of people bought insurance has this kind of situation). If it is indeed suit to your need then fine.

Just my 2 cents.  smile.gif
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No, you gonna get your 25% every 2 years, so 2nd, 4th, 6th, 8th, and 10th you gonna get 25% each and on the 10th year also which your term finish, you gonna get your total amount paid plus with devidend given every year for the 10 years which is 5% a year (lesser or higher base on the performance of HLA of that year), and you already get your return after the 2 years d, nice anot? come to think of it, it's good to buy this then to put in educational fund for those who have children.

If your child is 10years old now, later it's ready for them to use it for educational purposes with insurans for them on the same time, with returns. Nice~!.

Anyway, i gonna post my quotation later to let you all confirm, advice me whether this is a scam or what, as it's really a good investment.



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leekk8
post Jul 14 2008, 11:23 AM


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QUOTE(insaint @ Jul 14 2008, 10:49 AM)
No, you gonna get your 25% every 2 years, so 2nd, 4th, 6th, 8th, and 10th you gonna get 25% each and on the 10th year also which your term finish, you gonna get your total amount paid plus with devidend given every year for the 10 years which is 5% a year (lesser or higher base on the performance of HLA of that year), and you already get your return after the 2 years d, nice anot? come to think of it, it's good to buy this then to put in educational fund for those who have children.

If your child is 10years old now, later it's ready for them to use it for educational purposes with insurans for them on the same time, with returns. Nice~!.

Anyway, i gonna post my quotation later to let you all confirm, advice me whether this is a scam or what, as it's really a good investment.
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Definitely this is not a scam, just maybe you are confused by the agent with the 25% return. I get some info from another forum. For example you pay RM13750 per year for 10 years, every 2 years, you can get RM6000 and after 10 years, you get back your capital, which is RM137500. Correct me if the info you have is different from this.

Lets see the difference between this plan and FD.

This plan:
2 Year: RM6000 (6000/27500=21.82%)
4 Year: RM6000 (6000/55000=10.91%)
6 Year: RM6000 (6000/82500=7.27%)
8 Year: RM6000 (6000/110000=5.45%)
10 Year: RM6000+RM137500 (6000/137500=4.36%)
Total: RM167500

Fixed Deposit: (Assume we take out the interest every 2 year, and remain the capital in FD with 3.75% p.a.)
2 Year: RM1566
4 Year: RM3667
6 Year: RM5768
8 Year: RM7869
10 Year: RM9970+RM137500
Total: RM166340

So, when we calculate it and compare with FD, we can see this plan can earn a bit more than FD. There is nothing special and definitely there is no 25% return per year. Anyway, the benefit of this kind of plan is the insurance, where we no need to pay if we're gone or TPD. The cons is low liquidity, we only can withdraw the money according to the schedule and we must pay for it every year on time no matter how's your financial situation.

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David83
post Jul 14 2008, 05:18 PM


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Maybank distributes two new global financial Unit Trust funds

In an effort to advocate customer centricity, Maybank has developed strategic partnerships with Hwang-DBS Investment Management Berhad and Pheim Unit Trusts Berhad.

Seven 3rd Party Unit Trust funds are now available at all Maybank branches:

1. HDBS Global Financial Institutions Fund (Open-Ended) **NEW**
2. HDBS Global Financial Capital Protected Fund (Closed-Ended) **NEW**

URL: http://www.maybank2u.com.my/consumer/inves...it_trusts.shtml
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