Due to I didn't know where to open a topic to get an advice, I'll start here since there's so many financial expert I can asked for help here .. 

Objectives : Investment for A Gov Retiree (56 years old)
Cash Available For Diversified Portfolio: 100 K
Current Investment/Savings : 50K (ASB/Stock Market/Maybank)
Monthly Wages (Pensioner) : RM 2100 (lifetime)
Potential Add-Up Investment From Other Family members : ++130 K
Liabilities : No

What am I looking : FD/Trust Funds/Gold Investment or anything legal from respective bank . If there's any loan for financial investment purpose, that's also can be accepted . Example : ASB - Pelaburan Bijak From Maybank . 4.20% per year rates againts ASB dividend rates up to 8~9% .. don't worry about the guarantor, my sis and bro can help it ..

Term : The maximum is 5 years due to her old ages and after some years , I want her to spent all the money for whatever purpose she want since she deserved it and it's her money anyway . Just because she prefers Maybank FD for easier purpose and never care about the dividends rates, I try to help her to get any potential investments.

Deadline : 31 August 2009 (Take a longer time . Need to do a very detailed research .. will be early if I'm so tempted  )

I have already visited some of the bank (70% of the commercial banks) but for some reason, there's some unexplanation information due to a short time and lacking of (brochures, prospectus, new staff, new products) . I do get a long but very good and understandable explanation from Alliance Bank, Bank Muamalat, Hong Leong Bank  , Maybank, RHB, PublicMutual consultant but still hunger for new information. Anyway, my bad experience is with a bank consultant from UOB Klang . Just because I represent my mom, she's explaining with no interest and mockingly me with some words and her actions . Even though she's a senior executive there and have a good experiences, perhaps next time I should call my mom and asked her to talk directly or show the bank books/cheque so she will serve me as the real customer 

So, can anyone advice me where to invest? What is the good ratio to diversified it?

Thank you Sir/Madam for the help 

P/s: If there's any agents/bank workers/bank consultant/ or anything related want to contact for easy purposes or sending any master prospectus/brochures/investment ad.  Please do not pm me. Please send an e-mail to: mypensionerfund@yahoo.com . I prefer a short info or answer so I can do a research first and I'll reply back once it match what I want .. .

I'm thinking of opening an account there too, for fixed small monthly investment.

how is the process of opening accounts?
how to pay for funds which i bought? maybank to you?
the website customer friendly?

Thanks

edited to add
The unit trust holding will be nominee or direct holding?

i hope i can have the crystal ball, to my opinion, i think for AS1M 1st year dividen it will at lease match the ASW or ASM, so that to attract investors to invest more. Now only 2.8Billion being subcribed where PNB is targetting on 10Bil.

Hello Forum'ers

I am having trouble finding the Performance of Insurance Linked Fund such as AIA, Manulife, Prudential...

Any idea where I can find them?

Thanks.

Xuzen

good research! CIMB try to get free money out of us, the bank also same as ahlong.

For up to ten plus thousand to hundred, it won't have much of issue in term of liquidity problem.

More than that specifically millions and above, yes potential have this kind of problem.

@jutamind thanks for that another option.  more power also on your informative site (in your sig).

however i did notice that eunittrust has same pricing that of fundsupermart, but of course having another option like it is useful.

i did a lump sum investment in year 1999 or 2000, cant remember. On and off i did add the fund, i dont believe in DCA method. i invest only when i feel the timing is right.

DCA is better than no planned method OR entry & exit rules. However, i do beg to differ - value averaging provides a better method in terms of risk management ($ at risk) vs. the returns (risk/reward ratio). Of course there will be Qs like "If the stock / fund drops so much, how can i cough up that much to value average ar?" - please google "TwinVest".

It's a similar discipline to DCA but ALLOCATING, not BUYING a specific amount of $ per period. Then based on the price / NAV, spend buy more or less.

Reasoning behind it is:
When markets are high, risk less  (higher probability of heavier fall, lower probability of going higher due to "return to mean" / std deviation).
When markets are low, risk more (less probability of heavier fall, higher probability of going higher due to "return to mean"  / std deviation)

I think so - not ripe enough yet (1 yr old FULL minimum). Even in Personal Money mag - lots of new funds not listed, mostly belum cukup ripe yet (min 1yr old FULL)

FSM Page for AmDynamic Bond

AmMutual Factsheet for Dec-11

OTHER PERFORMANCE DATA
Calendar Year
2011 (10.12%)
2010 (9.08%)
2009 (11.28%)
2008 (6.44%)
2007 (8.1%)

Please do take a look at the attached concepts and shoot/criticize with feedback on how to make better can ar? These are some of the concepts / ideas / opinions i share with my friends and investors (now crystalized on Power Point) - again, not for selling per se, but to build a base of knowledge and understanding, even before thinking of investing.

Based on calculations using Avg EPS Growth, Avg P/E, Avg Dividends, Total Returns, then discounting it by xx%. The EPS, DPS, etc. are taken from that KLSE book in my notes - lots of historical stats (EPS, DPS, P/Es, DYs, etc) + 3 years ratios.

Heheh - formula based on a book i read. I gotta go dig it out to recall the name - it's either the local book with the title like "Make $ in the Stock Market in Up or Down markets" (or was it the other one.. read 2 good books locally written) or Rule #1 by Phil T. If U really interested in the formula, let me know - i'll go dig out the book and compare to my Excel's formulas, then let U know.

Sorry ar - getting old & foggy, read those books like in 2002 or so, built the Excel 2003 or so - if i recall correctly 

imho, (30%/3) - 5% would give U a true-er view as the sales charge should be minused from the base

Just a thought - 30% gross returns without taking into consideration of the 5% sales charges? how in the world does that calculation / report happen? Which fund house or investment gives such weird calculations/reports? I'm just curious

Usually, the easiest way for CAGR calc:

CAGR %pa = (Current Value / Cost)^(1/years) -1

Where:
current value = units * NAV (ie. redemption value / sell back value)
Cost = total cost for that transaction

how's the sales charge and the website service? okay so far?

Overseas exposure...take a look at HwangDBS Select Income Fund, my favourite fund for regular top-up
70% in fixed income, up to 30% in equities
Currently split between MYR assets and foreign assets is almost 50/50
but macam not EPF-approved...as far as I'm aware, EPF only approved funds that invest MAJORITY in MYR assets