ONLY "NOT SO SMART" PEOPLE INVEST IN MUTUAL FUNDS

sany48

dengar kata kat mesia ni public mutual (subsidiary of public bank)
adalah unit trust company nombor 1 based pada banyak pengiktirafan yg dia dapat...
betul ke?

No doubt Public Mutual is the largest unit trust compay in Malaysia. But for Syariah Funds, SBB is the largest fund provider with 9 funds with approved size of more than 3 billions. MAAKL also offers higher return.

dan aku ada dapat pamplet ttg public mutual nih...
aku just amik yg islamik punya je la yer (kategori ekuiti islam/syariah)..

fund                                             total returns
-----------                                     -----------------
public inslamic equity fund          18.02% (1 year)
public ittikal fund                         55.02% (3 yrs)
public ittikal fund                         59.59% (5 yrs)   

so soklan aku is,
adalah total returns tu mmg confirm kita leh dapat?
i mean katalah aku ada rm1000 bersih utk dilaburkan dlm UT
dan aku invest utk 3 tahun
so by end of the 3rd year duit aku akan jadi rm 1000 + (rm1000 x 55.02%)??

TQ.

It is is true statement. It is because all statements much have got approval by FMUTM, Security commission and Bank Negara.

Please bear in mind, for 3 or 5 years investment, your liquity level is very high.  This is good for those whom really have extra money.

Also, if 55.02/3 = 18.34% year
         if 59.59%/5 = 11.918% year
         
So it is pretty much the same for one year return.

In SBB we do have Dana Al-Hikmah with 19.08% for 2004. As a matter of fact, if you really follow the market trend, you can easily get about 10% more. It merely depend on how well-versed your agent is.. which is to help the client maximise the return.

However, I would say, in unit trust in general, there is no gurantee that the performance will be maintained. We say PAST PERFORMANCE IS NOT INDICATION OF THE FUTURE. But of course each fund manager will work so hard to maintain the performance.


Morale of the story:
1. As long as the clients' objectives are achievable, choose any fund from any unit trust companies he/she likes to.
2. As long as you have invested in any unit trust for a medium to long term investment, it is a good choice.
3. If you invest in unit trust company A, you might want to diversify to invest in unit trust company B too.  Again, it is
    your choice.

Happy investing.

Sany
www.investwithsany.com

UT is just for NOT SMART ppl
i believe u
may the force be with u

actually it's true kebykan ut agen bkn tahu sgt mcmana nak maximise invesment client. I did invest directly in KLSE before and now i try invest in ut pula. sbb msh tak tahu mcmana cerita yg detail, i invest in cash not epf. selagi tak cuba, kita tak tahu wether good return or bad.. nsb tak baik pula dpt agen yg tak berapa tahu dan mcm tak kisah as long as u invest. but... masih blh menjadi investment yg baik, kena sendiri belajar and jaga duit sendiri ler (kena sendiri bg order dkt agen!)... sany, u base dkt mana? mana tahu kot2 i blh invest with SBB pula...

sany48

Originally posted by natezanie at 3-4-2006 11:30 AM
actually it's true kebykan ut agen bkn tahu sgt mcmana nak maximise invesment client. I did invest directly in KLSE before and now i try invest in ut pula. sbb msh tak tahu mcmana cerita yg detail, ...

I kat KL la... kalau u nak invest SBB...u cari la agen kat area2 penang tu...now kita ade kat Sebarang Jaya..

Bukan I tak nak u invest dgn I ke mende...bukannya apa... kalau ade agen terdekat..senang sikit dia nak service you..I tak nak..just because nanti sebab jauh... service tak bagus.. u salahkan SBB as a whole.. padahal SBB is good..stable..the product is good.. sebab agen je.. .habis nama baik SBB MUTUAL BERHAD...

Dalam business gini.. kita tak perlu tamak.. ramai lagi orang nak kat luar sana.. I kat KL pun sampai tak larat..the market is very big..even with 36++ UT company..masing2 ade market share sendiri....

Tapi kalau u insist.. takde hal la.. I ade beberapa distance client dari penangpun..dorang nak jugak I...

Anyway, it is good kalau you boleh diversify the investment..sikit masuk UT A, B dan SBB.... tak salah..you boleh buat comparison..after a few years.. then bila u dah comfortable.. you stick with it..

[ Last edited by  sany48 at 4-4-2006 01:39 PM ]

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thx sany, suggestion u to diversify with few comp tu mmg ada logiknya.. i dgr maa pun mcm ok juga..

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sany48

Originally posted by onlineshop at 4-4-2006 11:32 PM
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:::

takde sapa2 yg dah lama invest in ut nak citer xprience ker?

Andak

Originally posted by onlineshop at 4-4-2006 11:32 PM
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Leh cayer ke ni.... bukan scam ke... ponzi ke....
Meh aku labor kat ko jelah.... sign aggrement... ko beri aku 10% jek... 190% tu ko amik....

sany48

Originally posted by Andak at 6-4-2006 09:05 AM


Leh cayer ke ni.... bukan scam ke... ponzi ke....
Meh aku labor kat ko jelah.... sign aggrement... ko beri aku 10% jek... 190% tu ko amik....

Hahahaha biar betul Andak..


Long time no see....

ha100x aku pun rasa bagus juga idea andak tu.. aku pun nak join ler... 10% pun duit juge..

masih tercari-cari
investment yg pulangannya tinggi?
ini diaNAK CEPAT KAYA?
JOIN HYIP
AT
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Andak

Originally posted by sany48 at 6-4-2006 12:06 PM


Hahahaha biar betul Andak..


Long time no see....

betul ni.... kalau dia sanggup....

yea... long time no see.... comes overlah... we can have dinner togehther... hahaha...

Andak

Originally posted by natezanie at 6-4-2006 06:40 PM
ha100x aku pun rasa bagus juga idea andak tu.. aku pun nak join ler... 10% pun duit juge..

Tu lah... xyah 200% per day.... aku dapat 10% per day pun cukup..... 190% kira commision .....

ha3... tp takde org nak pun 190% tu andak... tak laku ker offer kita andak? he3..

KTMan

Originally posted by natezanie at 12-4-2006 05:56 AM
ha3... tp takde org nak pun 190% tu andak... tak laku ker offer kita andak? he3..

mmmm..investment dasyat ini,,,aku pun nak join..aku nak cuma 1 % per day...ada nak offer?, janji ada agreement,

ha3.. ko lagi dasat.... tp aku rasa org tu pun dah hilang!! takut tgk offer kite sume!! ha33

KTMan

Originally posted by natezanie at 12-4-2006 06:22 AM
ha3.. ko lagi dasat.... tp aku rasa org tu pun dah hilang!! takut tgk offer kite sume!! ha33

sapa tak mahu, kalau 1% per day... kalau setahun(365 hari) dah jadi 365% setahun... sapa tak nak

bukan taknak 1% tp 199% yg ko nak bg tu, org tu taknak!!! ha3..