(Disclaimer: There is not a recommendation on the examples being discussed in this particular thread(OR mentioned in any posts here) and I am (or anyone is) not responsible if any loss is suffered by any person due to this thread. As we all knew, Investments are with risks.)

-Information displayed might be obsoleted by the time you reading here. Hence, please keep yourself updated from time till time.

-I'm not any Public Mutual funds agent at all. Nor I got any employment relationship to Public Bank(and any banks globally). Some members who reading this thread might got an WRONG impression that I'm promoting Public Mutual funds. As a matter of fact, I'm an investor out of millions in the market. I responsible for what i saying here. Notwithstanding the aforesaid, I'm not guarantee myself to anyone here that, one day I could not be a Public Mutual fund agent in the future. Personally I invested quite a lot of funds. Since Public Mutual fund quite reliable, may be there is why me or anyone keep mentioning that. The fact is simple as that. Believe or not, is up to individuals here.

Guess, I would need to spend much time in this section. I do play some investment. Problem is I doing that by agent. Thus, still many stuffs I'm unaware of. Just listening to the agent/unit trust. Recently I got some $ invested in Public Savings Fund. Was quite a big amount. Therefore,... what is this actually. I'm still quite blur. However yesterday I receive a RM 180 cheque already. Is this fund good?

I was told by the agent. It's 40% for saving. 60% for investment only. I was given two choice that time. One is Public Savings Fund, the other is Public Islamic Dividend Fund. He said that Islamic Dividend Fund is much more safer than Saving. As the value only at 0.2585(buy) 0.2752(sell). While Public Savings Fund is 0.6715(sell) and 0.7151(buy). I invested at about 0.68(if not mistaken)

Anyone got funds investment?! Please share your opinions...
Tomorrow would get back here again. Thanks for viewing.
edited:
Layman's notes:
I like to make my own notes while reading. In this way, it's more efficient than just reading it. Of course, I'm just a beginner.

-The 3.75% charges make me hold the bond as long as possible. Thus, once and before any fund or bond to buy. Think carefully first. Once invest, then must wait for a long time for it to recover.

-Investment is better than fixed term deposits because of the factor of inflation. Nonetheless, as we knew, investments itself got Market risks, Particular Stock Risk, Liquidity Risk, Interest Rate Risk, credit Risk, Manager's risk, Loan financing risk, Risk of non-Compliance, Risk of Non-Compliance with Syariah Requirements, Currency risk and country risk.
Never list down, i also dun know got so many risks...

-Some people who working might need to buy a car, or a house. Everyone needs that. But these stuffs not cheap. That is why Fund and bond exist for people to plan saving in a period of time, say 3 or 5 years with HIGH interest rate yet lower risked. In a way, it indeed much better than the ordinary Fixed term deposit in our bank. Bond, Fund investment method could be 2 types, one can invest in one big amount and wait for 3 or 5 years to get high interest(this normally are just extra money). Another one is by investing monthly, it's actually a type of saving. For us to fulfill our dream.

-For the first time I heard that mutual fund/unit trust is more risk than market shares. If and when anyone listen or read this stuff. Be more careful to those people who said above. Perhaps they never buy any shares and do funding yet.

-Experiences hunt,... please refer to
Post# 65 by vincecyc
Post# 107 by stmu
Most posts by khoong25
Post# 705, 712, 713, 721 by rexis
Post# 962 by low yat 82
Post# 963 by Geminist

-Some words to keep in mind when me playing with fire(shares? Fund? Forex?)
*Risk no more than you can afford to lose, and also risk enough so that a win is meaningful. If there is no such amount, don't play. by Ed Seykota

-Basically, when you investing in Funds or so called Mutual Funds. The first day launching is the best day for hunting. As normally there will be 1% of free bonus units to be offered or some sort of other offers. Thus, please pay attention to the newspaper. or talk to your bank friends closely. It's where and how to put you at a more beneficial stage. Early birds always got something to eat.

-
edifgrto: "I just make phone call to the Fund agent, being told that, as for the charging is only one time for purchasing only. While reinvesting, there is no charges at all. I'm a bit puzzled on this, what to do now is, to wait for the Fund Statement arrived. Currently I do got one fund having this case..."

-Indeed, why me so interested in these Mutual fund also known as Unit Trust(You might ask this?). Because share market is for someone much more clever than me. I made a huge lost that enough to be a lesson for me to stick with what suitable for myself(Simple as that). Just let those soldiers go to the battle field. Me more interested in lower risk, lower profits only... if any...

-Reading people make money from Share market is so easy, but people playing share market seems no one never make any lost before. My first investment made my RM 16,000.00 went down to drain. Nothing gain back,... not even one cent!

-For general information of market, economic of Malaysia
http://www.pwc.com/pdf/my/eng/publications/mamy.pdf
http://siteresources.worldbank.org/INTEAPH...sia-March06.pdf
Post #1175 by whtrader in Investment thread regarding Forex scams

-Some related websites that I might need to dig out information. Indeed, somehow... case like we went KFC for fried Chicken but we seldom(or never) visited KFC website perhaps. Therefore, same case here. Does not mean I always do reading from the sites. Then, I(or anyone) would surely make money. Just for reference, perhaps...(more to be added...) Some mutual agents inside the spoiler. Since it keeps growing. I decided to put them in Spoiler, for better viewing.

-Added some Fund Pricing attachments, collected from bank websites for pricing references. I'm not so sure if this fine?! If it's not permitted, I would take it out. Please let me know if it's not appropriate.

-dreamer101: What people did not tell you is in stock trading, if you do not do margin and stock option, you only lose the money that you invested in. In Forex, because of leverage and you must do levarage to make real money in forex, you can lose up to 20 times the money you put in.
Post# 1227 in Investment thread.

-louislim2: before you invest,make sure you can save your money like coins,that is the hardest part,and the most important part!!do you believe i can buy a motor cycle by cash just only i save my coins??i save until full of a big long bottle.when i count is around 6000.omg...i save for 4years,everyday throw in all my coins that if have.that it,this is the started point.you want to invest,just invest your attitude!!
Post# 1340 in Investment thread.

-luqmanz: It depends on how much return you expect to get. If your are hoping to get 25-30% ... that's almost impossible. ...
A good performing mutual fund can give return up to 15-18%.
Post# 1419 in Investment thread.

-pidah: when the Composite Index going higher, the Fund Manager will switch the Equity fund to Bond fund/Money Market Fund (Fixed Deposit) where as here you will gain more RM. But when the KLCI going down, the FM will switch back the fund frm Bond Fund to Equity Fund. (here u gain more units). As i mention before, source of U.Trust - Rise of Unit Price (Capital appreciation).
Post# 1432 in Investment thread.
edifgrto: I think I seriously would have to call my agent to ask about this switching stuff.

-pidah: and also you must remember that there are 3 type of source of return from UT which are:

1. The rise in unit price (We call it capital appreciation)
2. The annual dividend/distribution/bonus declared
3. The unit split declared.
Post# 1423 in Investment thread.

-Post# 1457 by Drian was something about Fund. However, he has not read pidah's post in 1423(which was in his previous page). Hence, his calculation becoming not accurate. To thoroughly get the calculation... you just need to throw RM 1000(probably) since the first year. Then, you would know how much income generated over the period. Drian did his work without invested real money in. And the most important thing is, not all funds are good. As luqmanz stated, not all funds are bad either. Else, there is no risk. Money would just fall from the sky. And, I won't create this thread here.

-To check the latest fund prices. It's to go to the each fund manager website to check. Alternatively, we can use The Star or OSK188. Which they allowing the public to check freely. Though me got the account with OSK188. But it's quite convenient for me to know the price without logging in. The advantages of OSK188, perhaps it allowing me to put all my invested funds in my favorite. Please note the price dated.

-For whom might interested in funding, getting high profit yield like 25% per month is impossible. However, by picking the right ones, the ranges for return on investment(ROI) for 4 weeks(1 month) are,

For selected best equity funds, higher risk
ROI, 1.13% to 3.29%

For selected best Mixed Asset funds, moderated risk
ROI, 0.55% to 3.88%

For selected best bond funds, lower risk
ROI, 1.31% to 3.50%

-Thanks to Oriental Daily News that giving me this set of information of Capital Guaranteed Funds performance as at year 2006. I have attached it for members that might interested in full capital protection fund type. Please pay attention to their average yield in 1 year. At least 6.27% annually is higher than our saving in banks.

-27th Feb 2007 is an interesting day. As when the CI dropped over 50pts what gonna happen to the funds I invested?! I better note this down for my reference here.
-to be continued later,...

Source: Note ideas from prospectus, and also some of my own opinions.

Some off-topic stuff in the SPOILER



v1 link - http://forum.lowyat.net/topic/367939

This post has been edited by David83: May 7 2008, 04:08 PM

Now it's Maybank turn to over gold savings account:

http://www.maybank2u.com.my/maybank_group/...oldsaving.shtml

Previously was from Public Bank:

http://ww2.publicbank.com.my/cnt_press257.html

What you guys think of this kind of investment?

I believe it will be separate - Gold Passbook Account & Kijang Emas Account

Are you investing in either of this?

AmInvestment income distribution

KUALA LUMPUR: AmInvestment Bank Group has declared a final income distribution of four sen per unit for the AmGlobal Enhanced Equity Yield fund for the financial year ending May 2008.

It said in a statement the distribution represented a yield of 4% investment return based on the net asset value per unit of RM1, offered from June 21 to July 11, 2007. – Bernama

URL: http://biz.thestar.com.my/news/story.asp?f...66&sec=business

PNB Structured Investment Fund

The PNB Structured Investment Fund is a close-ended fund with a five (5)-year finite life. The Fund seeks to provide investment opportunities that generate reasonable returns and growth over the tenure of the Fund while endeavoring to provide capital protection to Unit Holders.

Prospectus: http://www.maybank2u.com.my/consumer/inves...pnb/index.shtml

More info: http://www.maybank2u.com.my/consumer/inves...ment_fund.shtml

CIMB Islamic Commodities Structured Fund 1

This fund is suitable if you:
1. Want a Shariah-compliant investment
2. Want access to structured products;
3. Seek potentially higher profit than the 1-year GIA; and/or
4. Want a medium-term investment

More info: http://www.cimbbank.com.my/index.php?ch=ba...4&tpt=cimb_bank

This post has been edited by David83: May 12 2008, 12:36 PM

CIMB Islamic Commodities Structured Fund 2

This fund is suitable if you:
1. Want a Shariah-compliant investment that aims to pay regular income
2. Want access to structured products;
3. Seek potentially higher profit than the 1-year GIA; and/or
4. Want a medium-term investment

More info: http://www.cimbbank.com.my/index.php?ch=ba...5&tpt=cimb_bank

This post has been edited by David83: May 12 2008, 12:35 PM

Oversubscription for Maybank Structured Deposit

Launched on April 15 2008, Maybank Alpha Centurion Structured Deposit (MAC) closed a week early on 7 May. The total deposit size has exceeded RM480 million, 60% more than the initial size of RM300 million.

Maybank Head of Wealth Management, Teh Cheah May said the response to MAC was quite overwhelming particularly in the present challenging market conditions. The attraction of MAC is the flexibility of investing in a 2 and 3 year tenure and the compelling strategy of generating potential returns in excess of the term deposits rates and is independent of any market conditions, be it bull or bear.

An all weather opportunities structured deposit, MAC offers 100% capital protection to investors when held to maturity and it takes the emotion out of investing during uncertain market conditions. It is an ideal product to complement existing investment portfolio of long positions.

URL: http://www.maybank2u.com.my/corporate/pres...08/080508.shtml

In conjunction with Permodalan Nasional Berhad's 30th Anniversary and Minggu Saham Amanah Malaysia 2008, Amanah Saham Nasional Berhad is having a nationwide promotion on its existing funds:

Amanah Saham Nasional 3 Imbang (ASN 3)
Amanah Saham Gemilang (3 funds: ASG Pendidikan, ASG Kesihatan & ASG Persaraan)

Maybank is one of the ASNB agents participating in this campaign and all new Investments and top-ups can be done at all Maybank branches.

During the promotion period from 20TH APRIL - 20TH MAY 2008, investors will receive 2 FREE UNITS ON EVERY 100 UNITS INVESTED. The free units will be credited to your account on 21st May 2008.

Whatever your financial objectives — for yourself, your children’s education, medical expenses
or retirement — ASNB, the largest investment management corporation in Malaysia with more than 29 years of experience, will assist you to achieve them.

URL: http://www.maybank2u.com.my/promotions/inv...asnb/index.html

Anybody hears or invests in AmAsia Star fund?

This post has been edited by David83: May 26 2008, 06:40 PM

These funds are targetting big fishes.

PNB expects good response to new fund

KUALA LUMPUR: Permodalan Nasional Bhd (PNB) expects good take-up rate for its RM3bil Structured Investment Fund (SIF), which was launched on May 12.

President and group chief executive Tan Sri Hamad Kama Piah Che Othman said he expected a good participation rate for the fund that would close on June 25.

“Half the fund would be subscribed by our unit trust. We are hopeful it would be fully taken up (by the end of its initial offer period),” he told reporters prior to the PNB International Lectures 2008 yesterday.

The SIF is a closed-end structured fund with a maturity period of five years. It would be transacted at a net asset value of RM1 each during the initial offer period.

The fund invests mainly in PNB's real estate investment trusts, structured products and cash instruments.

On PNB's strategy due to rising cost of products and services, Hamad Kama Piah said: “We are reviewing our strategies everyday. We always want to ensure that we create value for our investments.”

Asked about a report that PNB was looking to take over HeiTech Padu Bhd, he declined to comment.

HeiTech Padu had replied to Bursa Malaysia on Monday that the company was “in the know of the active acquisition of the company's shares by PNB since March 2008.”

However, there had been no formal indication or proposals on potential takeover by PNB, the company said.

Meanwhile, the lecture yesterday, the second in the series, featured BT Financial Group Australia chief executive officer Rob Coombe.

In his presentation The Importance of Strategy Execution, Coombe said a successful company was one that executed its strategy effectively.

“Whilst having a clear and carefully articulated strategy is important, it counts for nothing unless you can deliver on its promise to your shareholders, customers and employees,” he said.

He said “superior” execution could be achieved by focusing on five main points: culture, leadership, organisational structure, process and systems and customer focus.

On the importance of leadership, Coombe said: “If you have great leaders working for you, your ability to retain talent will be much better than the competition.”

He also said customers were the best barometer on how efficient a company was at executing its strategy.

URL: http://biz.thestar.com.my/news/story.asp?f...82&sec=business

Usually investment-linked products require you to fork out a fixed amount of cash montly; i.e. investment-linked insurance policy.

But do you need to pay for an amount? How about it don't want to pay for one particular month?

I believe it won't be the case. For insurance, you have the flexibility to pay in monthly or annually basis.

Global Equities Market Fund

A new investment linked product from Maybank.

http://www.maybank2u.com.my/consumer/onlin...gem/index.shtml

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

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

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

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

Commodities hedge well against inflation

KUALA LUMPUR: Investing in commodities is a good hedge against the current round of global inflation, says CIMB Investment Bank Bhd head of structured products and derivatives Chu Kok Wei.

This was because the current inflation had been largely driven by high commodity prices, “so there is offsetting (against inflation) by buying into commodities,” he told reporters at the launch of CIMB Bank's latest floating rate negotiable instruments of deposit structured investment product, Dynamic Best of Gurus, yesterday.

Considering the current uncertain market environment, the new structured investment was very defensive in nature, he added.

CIMB group treasurer Lee K. Kwan said the customer would be going into the global market in a “fairly defensive structure.”

The commodities component of the fund would offset current inflation, while the emerging markets segment would hedge against a fall in Western markets, he said.

The performance of the Dynamic Best of Gurus is tagged to the that of selected investment portfolios of the four gurus - Warren Buffett, William Gross, Mark Mobius and Jim Rogers.

“Investors worldwide recognise these name but may not be able to benefit from their expertise due to the high entry cost into their companies' funds,” Lee said.

By combining the bank's expertise in treasury products and risk management with its distribution network, “we are able to provide this investment exposure to the mass market in Malaysia,” he said.

With a minimum investment of RM100,000, investors in Malaysia could now potentially benefit from these gurus' disciplined fundamental analysis and proven track record of generating steady returns despite market stress and uncertainty, he added.

CIMB group began offering capital-guaranteed dynamic-based investment products from late-2007, aimed at helping investors manage increased market volatility.

As with all structured investments issued by CIMB group, the new fund comes with the assurance of daily prices and liquidity allowing investors to cash out their capital gains prior to maturity at the prevailing market price, without any penalty.

URL: http://biz.thestar.com.my/news/story.asp?f...92&sec=business