hoi eriwen

post the statement online then otai here guide u read step by step

small cap still open for sales cash?

When it re-open?

Wonder why it closed-->reopen-->closed-->reopen back?

Does the fund need $$ to invest during this unstable time?

@holybo

yes

i buy kenanga growth fund there

If u know who is Warren Buffet, he said the only thing that a typical person who can outperform the "SO CALLED profesional" is investment.

My opinion: instead of giving your money to fund manager to invest, by doing your own study and research and invest in stock market, you can actually doing MUCH MORE BETTER than Fund Manager. Of course, you need to put in your effort to do some study, stock wasn't that difficult, I just judge the compony with below formula:

1. PE<9.5
2. ROE>20%
3. DY>0.03
4. Price/NTA <2
5. Having a good management team

yet my return is far more better than da fund I bought ><"

Their charges 5.5% is unreasonable and 1.2% management fee...? I buy share was only at 0.38% per transaction + stamp duty etc.

Is your choice to opt for fund manager. My experience with mutual fund was pretty BAD!!! I dun feed the "SO CALLED PROFESSIONAL" when they help me 2 lose money

IF you are going to invest into mutual funds, you still need to be financially knowledgeable. The lack of financial knowledge brought many to seek investment into funds, as these are managed by professionals. However, these individual investors still need the ability to study the individual stocks in the portfolio of the funds, and also know how the ups and downs are derived from which stocks in their invested fund. Do they like what they own? Do they understand the risk/reward ratio of these stocks? Of course, the majority do not. Therefore, many are investing into funds BLINDLY.

On a theoretical and analytical basis, it is difficult for most funds to beat the market return. When you consider the costs of investing into these funds, the front and back load, the management fees, the costs of transactions in buying and selling by the funds and other fees, it is therefore not surprising that most funds will underperform the benchmark of market return.

Most funds are open ended. They are large and therefore not as nimble as the individual investors. Moreover, they are also at the mercy of the vagary of the herd. Their investors tended to cash out forcing these managers to sell at the market low and also to flood in during market high, forcing the fund to be bloated with cash to invest during market highs.



SO for those wishing to invest into mutual funds, they probably should invest into a KNOWN fund manager whose philosophy and strategy is agreeable with their investing objectives. Therefore, it now boils to seeking out a trustworthy good fund manager. Generally past performances OVER A VERY LONG TIME do reflect future pro****lity of achieving the same in the future.

The BEST investment I have is getting a good financial education on my own, spending many thousand of hours to acquire this knowledge. Once you have achieved a certain platform, you can be confident in investing directly without using the fund managers. Yet, I do buy icapital closed end fund as part of my portfolio.

As for those who are not financially knowledgeable, it is not wrong for them to just park their money in FD, even for the long term. This is not ideal, but it will be better not to lose their capital especially when they do not know what to do. Yes, some ridiculed this answer, but it is with honesty that I advocate this. Those who are not knowledgeable, will soon find their money separated from them sooner or later. You will also have known of many people in this situation.

tht my dupe

if do standing instruction from Maybank to fundsupermarket how much is maybank charge?

u can create it urself its easy

which country index fund u 1 buy?

2 equity fund worth buy

kenanga growth and shariah growth

he mean balance fund.

certain % of the $$ is allocated to equity and certain % is on bond sukuk and cash

y u buy public mutual?

its fund not at the top 10 of the chart on 3 yr lipper ranking

kparam77 is new that why he no experience

No matter how much money they make, nobody likes to pay taxes. But the worst thing in the world is paying taxes when you never actually earned the income you're getting taxed on.

Unfortunately, that's exactly what happens every year around this time. With many mutual funds paying large taxable distributions at the end of the year, you have to be extremely careful if you decide to make big investments in December. Otherwise, you could end up with a big tax bill that you don't really deserve.

This Tax Is Out of Your Control

When you own stocks, the way you get taxed is pretty simple to understand. In most cases, if a stock pays a dividend, then you'll include that income on your tax return for the year and pay tax on it. But no matter how much the stock price goes up, you'll never pay taxes on the gains until you decide to sell the stock. That puts you in full control of when you'll pay capital gains taxes and is an incredibly valuable way to take advantage of tax deferral even without a tax-favored retirement account like an IRA or 401(k).

For reasons only the IRS fully understands, however, mutual fund shares follow different rules. With mutual funds, tax rules look inside the fund to determine whether you owe taxes on income. So if the fund receives dividend or interest income, then the fund is required to pay it out to you, and you'll pay tax on it. But even worse, if the fund buys or sells investments inside its portfolio, then you'll end up paying any capital gains that result -- even if you never sold your shares. In fact, even if you do what millions of investors do and reinvest your mutual fund distributions to buy more fund shares, you still have to pay tax on that money.

The Loophole Congress Left Open

The sad thing is that all this could have been a thing of the past by now.

Last year, Congress came close to enacting tax law changes that would have eliminated the unfair treatment of long-term mutual fund shareholders. But lawmakers got bogged down in what many considered more pressing tax issues, and so tax reform for mutual funds got pushed aside once more.

Without that relief, you're largely on your own to protect yourself from big fund distributions.

Three Ways to Avoid an Unfair Tax

It's important to remember that all of these issues only affect mutual funds in regular taxable accounts. If you own a mutual fund in an IRA or 401(k), you don't have to worry about any of this. However, if your funds are outside of these accounts, here are some ways you can potentially save yourself a tax mess:
If you're considering making an investment in a mutual fund this month, see if it's planning to make a large year-end distribution. If it is, hold off on buying new fund shares until after the fund makes that distribution. Because the tax consequences depend entirely on who was a shareholder at the time the fund pays out its income, you'll avoid any taxes by waiting.
Similarly, if you're thinking about selling shares that you've owned for a long time, think about selling them before a big distribution. By doing so, you may be able to avoid what would have been interest or short-term capital gains income -- taxable at a potentially much higher rate -- and instead get favorable long-term capital gains treatment.
However, if you sell shares you've owned for less than a year, you may actually want to take the distribution. That's because by selling, all of your gain will count as short term and incur a high tax rate. But if you take the distribution, some of that gain may effectively get transformed into dividend or long-term capital gains, which enjoy a better rate.

For good or ill, you have to stay aware of esoteric tax laws like this if you want to avoid paying the IRS more than you need to. By making the right moves with your mutual fund investing, you can save yourself from unnecessary higher taxes.

No good bro
7.09% pa average for 5yr
http://www.bloomberg.com/apps/quote?ticker=HWACOME:MK

i intro u this better
15.27% pa average for 5yr
http://www.bloomberg.com/apps/quote?ticker=KUTNETF:MK

Recently we have received some enquiries about starting a low-risk investment. Even though our views on equity markets remain positive, we understand that some investors prefer investments with steady and stable returns compared to equities which are more volatile in nature.

If this is you, we would recommend you to consider investing in the AmDynamic Bond fund. This fund is invested wholly in Malaysian bonds with investment-grade ratings.

AmDynamic Bond has just declared dividends of 2 sen per unit recently. This fund has consistently distributed 4 sen dividend per year since 2005. On a total return basis (i.e. including dividends reinvested), AmDynamic Bond has provided decent returns to investors for each of the past few years.

The AmDynamic Bond fund ranked top among Malaysia Bond funds for the past five-year, four-year, three-year and two-year periods ended March 2011. It was also the best performing Malaysia Bond fund in 2006 and 2009. This fund ranked highest under our performance criterion among the 17 funds the Malaysia Bond category. In terms of resilience, the fund has a higher resilience during market downturns compared to its peers. The fund’s expense ratio was slightly lower than the average of funds in this category. We like this fund for its consistent performance, high resilience and low expense ratio.

Generally, Malaysian bonds play an important role in capital preservation because it has low correlation with equities, and hence is ideal for portfolio diversificiation purposes. So regardless of whether you decide to invest in equities in the future or not, Malaysian Bond funds make good starting investments and warrant a place in every investors’ portfolios.

We believe that this fund is a great choice for investor who want to start a low-risk investment that can preserve wealth and at the same time provide steady returns.

u dono amdynamic just payout dividend?

Buy bond bro