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UNIT TRUST PUBLIC MUTUAL; MACAMANA NAK UNTUNG CEPAT DAN BANYAK?
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Reply 1039# lynalin10
epf or cash...? |
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Reply 1036# hujan
hold dulu... |
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Reply 1041# Madura1
cash.. dan plan utk buat saving tiap2 bulan.. Duit gaji tu drpd x guna baik invest.. Mula2 ingat nak tambah insurans tp mcm berminat nak try unit trust.. So, whats ur opinion?? |
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Reply arwien
patut ur UTC buat kan...
just call n ask him/her to redeem ur investment ...
Madura1 Post at 11-8-2011 13:02 
mmg aku dah call dia suruh tolong redeem, tp macam2 alasan dia kasi..nk post form lambat la, jauh nak dtg jumpe aku la, etc..citt..masa nk menjual kat kite mulut manis kemain. |
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Reply 1044# arwien
dia suruh tolong redeem, tp macam2 alasan dia kasi..nk post form lambat la, jauh nak dtg jumpe aku la, etc..citt..masa nk menjual kat kite mulut manis kemain.
haihh agent macam ni tak payah consider lagi la in future. just pangkah. maknanya dia jumpa u sekali jer la, meaning masa dia nak suh u invest? lepas2 tu tak der update lagi?
you tak smash jer dia macam ayat kat atas tu ker? time nak invest, lautan api pun ku renangi? |
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Reply 1045# cn7
ni bekas agen saya dulu la ni kak.....haram nak educate kita. skrg saya dah tukar agen. fadan muka :@ |
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haha..ramai gak ye yg dah talak tiga ngan utc memasing..
i pon..
haha..puas ati..
anyway, 2, 3 ari ni nav nampak dok naik je...
trend apa kah seterusnya lepas ni ya..
ingat nak repurchase all my epf accts (except for ittikal sbb tak leh nak masuk balik lepas ni, dan bond fund yg nmpk cantek je acct nya)..
tp tak jadi plak sbb tgk getting better plak dua tiga hari ni.. |
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Post Last Edit by arwien at 12-8-2011 13:09
Reply 1045# cn7
haa mmg kena pangkah.  sebenarnyer agen ni kawan aku gak, pastu dah ramai budak2 ofis & kawan2 yg aku rekomen kan kat dia. kira aku tolong dia tambahkan client tanpe dpt habuan ape2 pun, sbb kawan2 tolong la kan. pastu dah byk aku invest, 3-4 bulan sekali aku invest dr epf since 2005. sanggup lak dtg jumpa aku jauh2 setiap kali aku nak top up.
bukan la aku nk mengungkit ape pun. tp bile layan kite camni terasa la gak kan. tapi tak sanggup la plak nak marah2 dia bulan Ramadan ni, sabar jer.
definitely kalu ekonomi dah kembali stabil aku akan invest balik dlm UT. |
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agent aku guna epf jer...cash...sendiri bikin
kalo cash lagi byk dr epf..silap ari bulan..epf pun aku nak buat sendiri without agent...
atleast boleh membantu mengurangkan beban kerja agent nih |
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Reply cn7
haa mmg kena pangkah. sebenarnyer agen ni kawan aku gak, pastu dah ramai budak2 ...
arwien Post at 12-8-2011 13:06 
Nko rekmenkan client tu, dia tak kasi ke duit 'upah'? Kalau aku dah kasi rm50 satu kepala..huhuh |
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buat thru UTC or tak thru UTC
caj tetap sama... |
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Reply 1047# Swift
yg dua tu simpan jerr..... |
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buat thru UTC or tak thru UTC
caj tetap sama...
Madura1 Post at 12-8-2011 22:43
if using PM service, yes u r right...
If non pm service and invest with others fund...the charge may get lower and high profit... |
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The Mutual Fund Industry Is A Huge Scam That Costs Investors Billions Of Dollars A Year
Henry Blodget | Aug. 14, 2011, 4:04 PM | 10,124 | 53
A A A inShare126
Financial Advisor
If he just sold you a fund run by a stock-picker, he probably swindled you.
Henry Blodget
Email
Henry Blodget is CEO and Editor-in-Chief of Business Insider.
Recent Posts
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Yale's legendary investment guru, David Swensen, shreds the mutual-fund industry this weekend in the New York Times.
Swensen points out what anyone who has objectively studied the facts of investing inevitably comes to realize: The fund industry costs investors billions in lost returns every year--while coining money for itself, its employees, and its distributors.
The primary promise of the traditional for-profit fund industry--that it's smart to pay a star fund manager huge money to pick stocks for you--is blown apart by performance data, which shows that the vast majority of funds lag low-cost index funds every year. And the minority of funds that beat index funds this year--about a third in most years--won't likely beat them next year or the following year.
Meanwhile, urged on by misleading "quality" rankings, investors consistently choose to invest in funds that have done well in the past, not funds that are likely to do well in the future.
Specifically, year in year out, investors buy funds that have been given 4 and 5 stars by Morningstar and withdraw money from funds that have been given 1 and 2 stars. They do this despite the fact that even Morningstar admits that the ratings aren't predictive--that 4 and 5 star funds aren't likely to do any better in the future than 1 and 2 star funds.
What is predictive?
Costs.
The lower the cost of a fund, the more likely it is to do well in the future (relative to other funds). The higher the cost, meanwhile, the less likely the fund is to do well. This is one reason that index funds outperform "actively managed funds" (funds with managers paid to pick good stocks and sell bad ones) year after year: The manager's salary is deducted from the fund's returns, and most managers aren't good enough to offset the cost of their salaries and their employer's profits.
Why don't financial advisors tell their clients these simple facts?
Because financial advisors like to believe (or pretend) that they can add more value than that--that their acumen and relationships and experience will allow them to select funds that do "better than average." (Even though index funds do distinctly better than average.) And also because financial advisors are often incented (paid) to recommend certain funds over other funds--and the commissions on high-cost funds are generally higher than those on low-cost index funds.
These observations aren't theories, by the way. They're demonstrable facts. If every American who owns a high-cost actively managed mutual fund sold it and bought a low-cost index fund, the average returns of America's investors would rise considerably--in part because American investors wouldn't be paying billions of dollars of fees each year to mutual fund companies to lose money for them.
Read David Swensen's article at the New York Times >
Note: I realize this sounds harsh and disrespectful to the many great people who work in the for-profit mutual fund industry, some of whom are my friends. It isn't meant to be disrespectful. Some funds--a very small percentage--do outperform indices over the long haul. Some fund managers do actually have an edge. Unfortunately, the vast majority don't.
The fact is that the clients of most traditional mutual funds would be considerably better off if the fund employees just shut their firms down, re-allocated their client's money to low-cost index funds, and found other work to do. Equally unfortunately, however, the other work would likely pay significantly less well than the for-profit mutual-fund industry--which is why so few of the folks in the industry do the work necesssary to understand these realities.
Read more: http://www.businessinsider.com/d ... 011-8#ixzz1V6FNTDrm |
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Reply 1054# amirul_nazri
like  |
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ade x investment yg
100% secure capital
and leh dapat 15% average dividen per year
kalau ade ha ...
whydoucare_2 Post at 12-5-2011 03:34
invest kat FELDA......... hanya utk anak2 FELDA saja...... |
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The Mutual Fund Industry Is A Huge Scam That Costs Investors Billions Of Dollars A Year
Henry Blodg ...
amirul_nazri Post at 15-8-2011 20:29
ala...bukan setakat kat US..kat sini pon sama..ambik contoh senang je...
beli local fund masa market -+1600 dlm bulan lepas...kalau market drop 1490 dlm masa short term, macam skrg, mestilah rugi..
Lebih2 lagi tak nak buat dollar cost average..
Cuba invest tahun 2009 , 2010..market 1000-1300 KLCI, ada ke islamic fund LOCAL yang rugi hari ini? (Utk public mutual)
So bila market KLCI naik, macam saya dah explain berjela2 di early pages, act something..
Kalau tak, market turun 1100, 1000 nanti..dah jd negative balik..
Lps tu dok sibuk, sana negative, sini negative...
Org yg bijak, terus reinvest masa market drop..
siapakah yg nak disalahkan....?
Financial Advisor?
Layak kah digelar financial advisor utk mereka yg tak monitor..?
Tak tahu nak bg advise...
Senang je, nak kenal financial advisor chap ayam ni..
masa market tinggi, dia sibuk jual unit trust..
market drop, dia sibuk jual nasi lemaklah, jual rumah, jual skim skim cepat kaya, MLM dan lain2..
Yang jd mangsa,
Investors, jd mangsa dgn sikap consultant tak bertanggung jawab ini...
dan mereka2 betul2 yg committed, juga jd mangsa keadaan, industry dirosakkkan... |
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"Senang je, nak kenal financial advisor chap ayam ni..
masa market tinggi, dia sibuk jual unit trust..
market drop, dia sibuk jual nasi lemaklah, jual rumah, jual skim skim cepat kaya, MLM dan lain2..
Yang jd mangsa,
Investors, jd mangsa dgn sikap consultant tak bertanggung jawab ini..."
ekkekekeke |
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ala...bukan setakat kat US..kat sini pon sama..ambik contoh senang je...
beli local fund m ...mestilah rugi..
Lebih2 lagi tak nak buat dollar cost average..
kirawang Post at 21-8-2011 22:54
boss, ckp psl DCA/RCA ...Btimes ade citer psl RCA.
What is ringgit cost averaging?
Published: 2011/08/22
"IF I have noticed anything over these 60 years on Wall Street, it is that people do not succeed in forecasting what's going to happen in the stock market." - Benjamin Graham, author of "The Intelligent Investor"
Investing would be so simple if only one could predict when is the best time to buy or sell. However, timing the market is impossible and many have made huge losses due to trying and consequently failing.
One of the ways to ride out the ups and downs of the constant volatility of the stock market is to use ringgit cost averaging. This method ensures we benefit from the historical strong returns shown in the long run and hedges the effects of retracement and slight downtrend in the short term.
Ringgit cost averaging is an investment technique intended to reduce exposure to risk associated with making a single large purchase by investing a fixed amount in a particular investment (such as unit trusts) at regular intervals (either monthly or quarterly) regardless of the unit price. For example, you can choose to transfer RM500 to RM1,000 from your paycheque to a unit trust fund or you can even make a RM1,500 or RM3,000 investment every quarter. The amount and frequency of your investments depend on your financial means and future goals.
How dollar cost averaging works
"Save little save often - dollar (ringgit) cost averaging works if you stick to it." - Paul Clitheroe, "Ten Key Steps to Wealth", 2002.
To illustrate dollar cost averaging better, let's say you want to save RM12,000 each year for your child's education fund. Instead of investing it in a lump sum and bear the risk of entering when the market is high, you decided to invest RM1,000 into a unit trust fund each month as shown in the chart:
Results
Average Cost Per Unit RM0.1923
Unit Price as at December RM0.2510
Value of Investment as at December RM15,664.48
In this example, by using the method of ringgit cost averaging, the average cost per unit invested was only RM0.1923, instead of RM0.2549 if the investor has invested a lump sum in January.
Long-term investment strategy
"Discipline is the key to success for the long-term investor. He or she must not fall into the trap of managing holdings by newspaper headlines, sound bites, mindless predictions, gut feelings or the last time period results." - Frank Armstrong, author of "The Informed Investor."
Regardless of the amount of money invested, dollar cost averaging is a long-term strategy. While the financial markets tend to fluctuate, they often move in the same direction over fairly long periods of time. Bear markets and bull markets can last for months, and sometimes even years. Because of these trends, dollar cost averaging may not be as effective if only applied for the short term.
For example, an investor might choose to make 10 purchases of a unit trust fund within one month. Although it is highly unlikely that the purchase price of the units will be the same for each transaction over such a short time frame, there will not be a significant difference as well.
However, over the course of a longer market cycle, you would probably go through a bull market and a bear market, with the price of a given security changing considerably. Dollar cost averaging will help ensure that your average cost per unit represents both the premiums of a bull market and the discounts of a bear market as opposed to just the premiums usually paid by investors in a bull market.
Tips to get you started
"Those who put an investment programme in place will have a lot more money when they come to retire than those who never get around to it." - Australian financial author Noel Whittaker.
Many unit trust funds allow you to begin investing with a minimal amount with the option to make further contributions through regular deductions from your paycheque or bank account.
If you're interested in dollar cost averaging, here are a few tips to help you put this strategy to work for you:
* Get started as soon as possible. The longer you have to ride the ups and downs of the market, the more opportunity you have to build a sizeable account over time.
* Stick with it. Dollar cost averaging is a long-term strategy. Make sure that you have the financial resources and discipline to invest continuously through all types of markets, regardless of price fluctuations.
* Take advantage of automatic deductions. Having your investment contributions deducted from your paycheque or bank account is an easy and convenient method to invest, and can help you get into the habit of investing regularly.
* Be prepared for losses. Dollar cost averaging does not guarantee that there will always be profits and no losses in your portfolio. Even though you paid a lower average cost than the average price of the units, you could still lose money if you choose the wrong time to exit the market, particularly when prices are low.
Building wealth by investing in unit trusts is more a matter of patience and persistence than of investment skill and luck. The major decision that must be made is whether or not you are willing to forgo immediate gratification to achieve your long-term financial goals. If you are, then dollar cost averaging can be a very effective way to help you get there.
Read more: What is ringgit cost averaging? http://www.btimes.com.my/Current_News/BTIMES/articles/pbmutual2/Article/#ixzz1VlvAJJod |
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Category: Belia & Informasi
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Post time 11-8-2011 01:03 PM
Author
