Hi fellow senior investors, lately I have started investing in bonds funds and I went for Dynamic Bonds Funds by AmBank. The reason being the return for the past few teas have show a satisfying % for me.

My doubt is UT can help investors earn through dividend (interest) annually and capital (when you decided to sell off your bonds. Am I right on this thinking?

BONDS funds return = annual dividend interest + capital gain (when you decided to sell)?

Technically speaking, am I right? Returns is based on my annual % of capital.

So technically I'm right. Because Pinky (below) made the explanations a bit complicated by saying there's no real gain (left side in, right side out) etc etc. No hard feelings. It's just that I'm a slower learner.

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Added on February 20, 2012, 6:50 pmYes, I know. I choose to reinvest my distributions. But technically that distribution is part of my gain as well. But I'm just reinvesting my gain into my capital. Maybe for some people, reinvestment gain is NOT a gain?

This post has been edited by dewVP: Feb 20 2012, 06:50 PM

kparam.... I GOT IT ALL WRONG!

I calculated it the wrong way!

RM5,000 capital.
10% return.

RM5000 x 10% = RM500

Total = RM5,000 + RM500 = RM5,500 (total capital now)

But it's wrong.

You said the RM500 is paid to me based on my RM5,000. If that is the case, how I earn my money??? You explain further that all the dividends earned will be revert into units.... So one of the way UT earn is to make sure I accumulate lots of unit and selling it high to earn capital gain????


2. So is that why u mention above I need to set which one I want? Either capital gain or dividend? Cause if I choose not to reinvest my dividend, I get to keep my dividend. If I reinvest, there is a risk that unit price might drop and affect my capital gain?

This post has been edited by dewVP: Feb 21 2012, 01:18 PM

But dividends also play part of the role. Cause if I reinvest dividends, capital more... Units also will directly be increased right?

The unit price you referred to... Is it MY PERSONAL unit price OR the unit price in GENERAL... Cause I read the past trend of unit price. NEVER DROP BEFORE WOR...

so my average unit price varies every year?

Or I just need to calculate my profit every year... so that i can calculate the amount of ''EXTRA'' units i can get...

and then repeat the process every year.

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Added on February 21, 2012, 3:08 pm


how to calculate my average price every year.

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Added on February 21, 2012, 3:09 pm

for AmDynamic at least. I look through their trend for the past 3 months. So far never drop before.

This post has been edited by dewVP: Feb 21 2012, 03:09 PM

Well, have to start learning from somewhere. I don't mind the criticism, as long as I'm doing the right thing.

That's actually not what I meant when I pointed out about the 3 months. Due to the lack of information on the unit price for the past 3 years, I'm just MERELY saying that the available record of 3 months seem to be showing upwards trend.

That's what I was trying to point out.

Might be due to my mistake for referring to the wrong place. No worries there. Pardon my ignorance. Cheers.

Sir, do you mind sharing the excel which you mentioned earlier? If it's not too troublesome or inconvenient of course.

Only when you take out the capital. If you opt for your dividends to NOT be reinvested into your capital, that dividend will NOT be charged. So technically only the capital.

Guys, need a small advice here. I already invested a handful of money inside AmDynamic bonds. And now have the extra cash to invest again. Would it be more advisable to invest MORE into Dynamic bonds or is there any better bonds to invest my money?

Reason being because Dynamic currently yields one of the highest returns for investing in Malaysia bonds. Is there any better recommendation for bonds funds for Malaysia and other type of bonds?

kucingfight, comparing Alliance Global Equities Fund and Dynamic? What is your say? I know that both have different kind of risk level.

What Domestic are you currently holding, mate? Dynamic being one of them I suppose, since it has one of the best returns around.

Guys, mind helping me with my UT calculations?

I bought my 1st UT in February. And top up in March on 13th March (distribution date). So I add up both investment and calculate the average unit price. And use the current date (16th March) to calculate my profit/loss. And it's clearly that I have a loss, since the price of my first UT investment dropped significantly.

I choose to reinvest my dividends, but I not sure if I will be entitled to any distribution (from my first investment which is just 1 month before the distribution date). Will I get my distribution?

Cause if I'm not entitled to any distribution this round, I will be at a loss right? I have yet to receive any statement from my bank.

Do help me out.

p/S: Cause if I'm entitled to distributions (UT units), then I will NOT be at a loss. So question is am i entitled to distribution?

This post has been edited by dewVP: Mar 19 2012, 03:22 PM

What are some of the good equity fund to look at? Moderate risk equity fund. Hwang being one of them I believe.

so for those that don't have SC, you're just generally waiting for your targeted profit?

I'm actually waiting for opportunity to SWITCH to another fund. My bond fund ONLY have a 1% exit fee. So i figure i make use of the no SWITCH charge and switch to another fund.

I invest through Maybank.

For those using FSM, how does it works?

Create an account, and link one of your bank account to FSM to buy UT is it? Or?
Thinking to start using FSM. Thanks!

A thought.

Normally there will be a wave before puasa/CNY/election. So isn't it better to try to invest into funds/shares before the wave (before election)? Rather to after election?

Yes; true no one know when is the wave. But normally the wave doesn't start until election date is announced. Anyone?

P/S: talking about equity fund to be exact.

Is it appropriate to say that malaysia bond fund shows a uptrend now? That's what my profit is telling me.