No your RM 500 will be accumulated and your gains will be measured annually. However your gains are compounded daily. If safer investment it is not likely to get 2% per month or 24% per year, but depending on the type of UT some are higher risk while some are lower. Bond funds are most likely to return 6%-8% p.a. but it is more risky than FD. Returns are never guaranteed so be practical and don't be greedy over high returns.

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Added on January 3, 2012, 7:25 pm

To choose fund please read the following.

1. Morningstar rating/ranking
2. Lipper rating/ranking
3. Annual financial reports
4. Fund Monthly Fact Sheet
4. Prospectus

For item 1&2 read from Personal Money or Edge, Item 3-5 download from their website.

If you have read all the above and do not understand, either you learn more about it or get someone to guide you like a trust able consultant. Good UT consultants are rare, they really care for your investment, explain everything in detail to you and not just ask you to buy! buy! buy!. 

for time being.. BOND fundS still safer............  equity for DDI... medium to long term. not advisible for lump  sump in equity funds as KLCI still 1500+.

my suggestion only.

PCSF 70% in 14 years? simple maths 5% per annum. What a good friend  you have there LOL 

go verify with your friend since he the one who told you. btw 5 x 14 = 70. LOL

did u read the fund prospectus and fund review and the fund financial report?

Neither you or your friend have crystal ball, so you cannot predict what will happen in 14 years.  If lets say hypothetically, China went back to Communist ways and kick out all the capitalist, then what happen? 14 years is a long time.

BTW, most Malaysian funds (PM included) have very bad performance in China related investments, almost all of them cannot beat the benchmark. 

Basically most of International Funds managed by Malaysian Fund houses all under performing badly vs. benchmark. This is what you get when you don't allow foreign fund houses to set up in Malaysia. 

I am invested in DWS China Equity Fund and First State Regional China Fund. 

For India.. First State Regional India is a good performer...

Yes..these are UT.. google them.. if you want to know more. 

This is bullsh*t already, no offense.

Nobody has the crystal ball to know whether the fund can make profit or loss even after 14 years, let alone to say 70% or what %.

May be?
it may be after 14 years you left with 70k,
it may be 270k
it may be 1 million
it may be 50k left

Nobody knows, and no clue or whatever it may happen or not.

Past performance doesn't indicate nor guarantee how future will be.

Fund manager doesn't guarantee nor say may be how much they will make, they never said in the prospectus.

The only thing is assure is they will charge 1.5% management fee every year, and entry service charge of 5% on equities (generally most charge, some can be different, at this rate until being revised or whatever reason)

Biggest joke of the year...     

Having many units is not equal to earning... 

JeffryYap - if i may suggest, pls do some reading/learning of the underlying assets of mutual funds / unit trusts. Else, U are as good as gambling or investing via hope.

Another thing, try to understand how these "advisers" / consultants make their living and U'll be able to smell most BS a mile away

why dont u sit with the agent, do some comparison with PCSF and some other local/foreign funds. ask him/her Q's until u happy with him/her amswers. the more Q u sask the more knowlege u will get abt UT.

is 70% is expectation? or sure can get one? and how the agent can be sure?

Im not saying ur agent correct or wrong. u just need make sure u MUST undestand wat u r buying.

dont folow wahtever ur frens say, its ur money and u must know wat u r buying.

my suggetion only.

Another bullshi*t.
How can you make money, when the fund price is RM1 now, and become Rm0.50 10 years later.

More unit at low price can earn? 
Every unit you bought come from your hard earned money, not the unit give birth more unit.

The only guarantee part from what you did aka RM500 every month, is your friend get a portion of 5% x Rm500.  

ya, but 1 correction, lesser unit price is not mean the fund not doing well also.  if u buy unit for rm1.00 and the price is less than rm1 after 10yrs, its not mean u r lossing too. u may gain already.

the unit price may adjusted after the dstributions or unit split. but if the price less due to the funds REALLY not perform, u will lost.
ya, t........ PJ no issue for me to mit u,

maybe next weekend or after Chinese new year, we can mit up. PM ME PERSONALYY.

TKHS.

There is no guarantee or certain, the longer you wait, the price will become higher.
You can wait another 10 years, the price can still Rm0.50 or less than RM1.00.
On other hand, it can become Rm2.00 as well.

Longer time /= price must go up.

Even after you 14 years, the price become Rm1.10 from RM1.00, you are actually making a "loss", due to loss of opportunity aka if you put Rm1.00 in FD at 3%, or even 2%, you RM1.00 already become more than RM1.30.

22 yrs old, can save rm2k for investment. good move jeffrey.

since u r very new to UT. and if u cannot wait.
why not u just start with rm1k and DDI rm100 only  just for PCSF. at the same time educate urself abt UT too. subscribe to the edge personal money willl useful for u.

the rest of the money, just park in FD first until u really understand wht is UT abt.

putting 40% from ur salary in 1 fund is not a right move/ wise idea for u. eventhough ur risk factor is very high aggressive.

do hv any insurance? if not buy insurance first. medical card  enough with full coverage. investment link policy is not fit for u because u r very aggressive for high return.

just my 2 cents.