I apologise for using the word " high " because i think  there were many investors who were pensioners or retirees ( zero tax group ).

I also want to clarify that  I am a  just salesperson not qualified at all to share  the knowledge of Capital Guarantee ( the details of it ). And if you have doubt whether the product is indeed guaranteed , please approach Maybank. It is your money counts.

I saw many people asking about this product again and again, but only 1 person ( the moderator ) shared something on it. I talk in term of A to Z as this forum suggested and debatable. I have no idea who is fund manger in charge ( deemed to be important by others ).  Fund management is totally out of my scope.

I just think this could be an alternate product to FD, since any FD amount exceeding 65K is not guaranteed by bank. Correct me if I am wrong.

There are some qualified fund managers in our forum, but mainly keeping sllence.

And sometimes, they prefer to act like  the policemen than to share.

thanks Jordy for your advice, as i called the HLA agent, he explain to me that HLA is offering something more like a Insurans + FD + investment link plan, the first in the market as it is true and HLA promise that it gonna work... as he also said that the interests you get you will be able to collect it on the 2nd year of the term and the 4th and 6th year respectively...

and to ensure your confident and believe in such a plan he also said that you can call him anytime or you may leave your number and he will call you to arrange an appointment to explain the plan to you...

anyway thanks for you advice, as i am kinda keen to buy this plan, as it's better then to put into FD, with the market like this FD rate would be revised anytime...and no harm trying this plan as every investment also got risk involved but with it's 25% interest rate and Insurans involved, it might worth a try.

Anyway, for you, no harm listening to this agent? as i might feel better that you try to call him and listen to his plan then decide on whether this work anot then maybe i really no need to worry about this anymore and let the money rolls it self, as PROS like you would identify whether this is a CON or whatsoever.

Thanks Jordy

No, you gonna get your 25% every 2 years, so 2nd, 4th, 6th, 8th, and 10th you gonna get 25% each and on the 10th year also which your term finish, you gonna get your total amount paid plus with devidend given every year for the 10 years which is 5% a year (lesser or higher base on the performance of HLA of that year), and you already get your return after the 2 years d, nice anot? come to think of it, it's good to buy this then to put in educational fund for those who have children.

If your child is 10years old now, later it's ready for them to use it for educational purposes with insurans for them on the same time, with returns. Nice~!.

Anyway, i gonna post my quotation later to let you all confirm, advice me whether this is a scam or what, as it's really a good investment.

oh i see...how about an increasing of oil price and political crisis in malaysia?never effect the long term investment?

well...if u compare to US type mutual fund......their fund is way diff, some even quite profit when market go down.....while malaysia one is like buy when price is extremely high n sell when price is very very low

if 5 years only 10% p.a average i think maybe i can earn more with foreign fd alone?

One more issue i withdraw my investment from fund is due to the transparency. We know what stock the fund manager bought but we don know at what price they bought. Take for example stock A
The fund manager bought stock A at RM 2.00 (i mean his personal account). After that he use the fund money to buy at RM 2.50. Then during RM 3.00 he can sell of his own stock first. Is it possible? I don mean to say fund is not good. I just doubtful about the transparency.. I ask my unit trust upline but he cannot answer me....

If you really see no prospect or don have confident to the fund that you invested. You can try switch to another fund. It can save you the 5 percent service charge.
There are few funds which i think their futures are not bad:
Public Islamic Asia Dividend Fund

Public Islamic Dividend Fund

Public Ittikal Fund

This few funds mostly invested in Asia (Not in one country) Therefore the risk is lower for example political risk.
Besides, they gives dividend is more to steady growth. But before you invest to that fund you better refer to agent to check on the investment portfolio (which company they invested in and what sector they invested in)

Most of Public and PM equities funds always consist Pbbank as their top 5 holdings.

hi guys.. new to this discussion   I have a question regarding mutual fund. I hope any sifoos can give me a hand, and share your expertise.

From my knowledge, usually we invest in mutual fund for 2 main purposes: income or growth, or both. Say I hold some units in a fund, for capital growth. Does it mean that I hope to gain based on the price of the fund? For example I bought a CIMB fund for 0.23 per unit, so I hope in a few years, THE PRICE OF THE FUND will appreciate so I can resell it?

One more thing, do ALL fund give dividend?
Thank you for yr assistance.

seriously need help here...i wanna start investing now but im at lost cause really unsure whether its a good time to start or not....

I found this only 1.25%. No mgmt fee, and no initial discount. Is this an index fund, or insurance?

"Premier Index Fund
Objective: To achieve a commendable medium to long-term capital appreciation by seeking to track the performance of the KLCI. This fund maintains a portfolio of stocks that matches the composition of the index by investing primarily in the 100 stocks which make up the benchmark of the KLCI.
Annual fund management fee: 1.25% "
Source: http://www.maybank2u.com.my/

Hello there, where to find the list of available FD in Malaysia? Is there any website that I can refer? Thinking of joining in the future ... 

Late reply, but this is something that I've wondered about in the past on this very forum as well. If you read a lot of general investment advice that comes out of experience in the US markets, the general consensus you should get is that most ordinary people should just buy index funds and forget about everything else. The rationale is that research has definitively demonstrated that over the long run, index funds in the aggregate outperform actively managed funds once you account for the higher costs associated with the managed funds. While it is possible for managed funds to beat the index, research has shown that it is not generally possible to predict in advance which particular managed fund will beat its benchmark index in any particular year. Research has also shown that the simple strategy of choosing the best performer of last year to invest in every year is a losing one.

However, I've come to realize that for many different reasons many of these things don't really apply to Malaysia. Some of these reasons include:

1) The U.S. is a mature and deep market with extremely high liquidity and lots of players. The Malaysian market is puny in comparison and dominated by some extremely big players, including the government. This means that unlike the mature U.S. market which lacks arbitrage opportunities because the market is deep enough that the prices should reflect all relevant information available to all market participants, it is still possible for investors in the Malaysia to identify and exploit arbitrage opportunities due to factors such as information disparity (some market participants know some things that others don't) and the fact that in some cases government-linked companies and investors are "forced" to act in a certain way and everyone knows this.

2) U.S. index funds are really, really cheap, in some cases as cheap as 0.15% a year. No Malaysian index fund can match that. This makes Malaysian index funds a lot less worthwhile. As I've previously mentioned, if "alpha" comes so cheap, why not just buy it? This raises the question of why index funds are so expensive in Malaysia and why no new competitors have entered the field offering low costs? One part of the reason is obvious. An index fund, since it is not actively managed, should have relatively fixed costs and very, very low marginal costs. In other words, it takes a certain amount of money to establish and keep a fund running, but each new customer adds almost nothing in terms of extra costs. Because the U.S. market is so huge, this means that it is possible for the U.S. index funds to spread their costs around to a very large number of customers. The Malaysian index funds can't do that, so their costs will always be higher.

3) Another reason I can think of is that the various investment funds in Malaysia are heavily reliant on a network of sales agents to sell and service them. On the other hand, if all you want is to invest in an index fund in the US, there's no way the fund is going to send an agent to you and offer you a personalize, one-on-one service. Since agents are paid commissions that are ultimately paid from the fund's management fees, obviously any fund that wants to make a serious dent in its fees must find a way to do without them. For various reasons, such as the lower level of financial education amongst Malaysians, this might not be feasible. Or else Malaysians might feel more of a psychological need to speak with a human sales agent to ask questions and solve problems for them.

4) Malaysians are not comfortable with the idea that matching a benchmark is good enough. They do not want average returns. They want exceptional returns, every year. Once again, this is a logical impossibility: it is not possible for everyone in the market to be doing above average at the same time. For every one that is, someone must be doing below average. However, it is possible that most Malaysians have not yet overcome the psychological hurdle that the returns on their personal investments are more likely than not going to be average over the long run and thus eschew index funds on principle because these funds by definition offer only average returns.

Fund Investment ..