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Author: tinta_balqis

join unit trust & asb

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Post time 6-10-2010 02:27 PM | Show all posts

Pengalaman melabur dalam unit trust

Sesiapa ader pengalaman untung atau rugi dlm unit trust,bleh kongsi  bersama..
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Post time 6-10-2010 03:05 PM | Show all posts
aku ada pengalaman melabur dan menjual sekali unit trust ..company public mutual.

sejak aku jd agent  dulu, aku dh buat byk research, attend seminar, study ttg unit trust market dan other product lain and finally, aku decide to more focus in futures market, stock dan forex..skang hanya maintain existing client, servis watever is necessary dan tak buat sales lg..

melabur pun dlm fund yg low loaded cam bond and money market..sbbnya..korunk akan tahu sendiri nanti..

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Post time 6-10-2010 03:24 PM | Show all posts
timing is of the essence.
buat pertama kali sis kabu pakai duit epf to get better returns by putting money in variable priced UT bulan mac 2009; and again in june.

feb 2010 dah lock in the gains.

im happy. dok on the sidelines. terima kasih for the timing.


on belen, sis kabu lebih prefer capital conservation but low return dlm acc epf bila market mcm skang ni.

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Post time 6-10-2010 08:07 PM | Show all posts
timing is of the essence.
buat pertama kali sis kabu pakai duit epf to get better returns by puttin ...
kabukiman Post at 6-10-2010 15:24



yeah betul kata sis kabu... dulu aku slalu promote everytime is the best time to invest...now, it's not everytime is the good time to invest...

aku tinggalkan unit trust bukan sbb upline aku yg duk kejar aku buat sales2..rekruit2..tp kerana the product management and the way its operate, yg make aku rasa, another 5 years, unit trust nie akan pupus..
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Post time 6-10-2010 11:06 PM | Show all posts
yeah betul kata sis kabu... dulu aku slalu promote everytime is the best time to invest...now, ...
amirul_nazri Post at 6-10-2010 20:07
Bkn ke mmg btol everytime is the best time to invest..kalo masa tgh tinggi,kite bleh buat  strategi DCA kan utk average kan harga unit?
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Post time 6-10-2010 11:12 PM | Show all posts
Bkn ke mmg btol everytime is the best time to invest..kalo masa tgh tinggi,kite bleh buat  strategi  ...
rattlesnake Post at 6-10-2010 23:06



ada averaging up ...ada averaging down.. historically, mmg proven bg kedua2 cara sbb aku ada client yg buat 2 2 n profitable..yg aku enphasiskan evrytime tue is refer to the entry time..whic is then determine nav u drawdown atau tak..
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Post time 8-10-2010 09:32 AM | Show all posts
permasalahan DCA, sama dgn kebanyakan isu dlm finance, ialah the long term assumption.

long term = academic pd pengamatan sis kabu.

sbb utk kebanyakan org, the academic scenario doesnt apply. Jadi kalu tak apply, must look at the short term. short term = kita tiada staying power to do DCA. sbb tu timing penting.

cth off topic: pembeli hartanah bukit beruntung. unit kos rendah beli 1996 RM 25k, skang neh 14 taun kendian lelong reserve price RM 6k pon ada.
Tp kalu pembeli tuh ada stayin power, dia buleh masuk kategori "academic" going for the long term. who knows, 15 tahun lagik jadik RM 160k.

Tp utk yg bukan academic category, its all about timing.


nota~academic category: ada simpanan mudah cair 8 bulan gaji, ada keupayaan menabung 15% gaji etc.

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Post time 12-10-2010 10:18 AM | Show all posts
nk tny korg, sy minat nk amik lesen agent ut
tp xnak buat sale
sbb nk belajar je benda2 tu.
korang rasa ok x???
hehe
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Post time 15-10-2010 11:26 PM | Show all posts
timing is of the essence.
buat pertama kali sis kabu pakai duit epf to get better returns by puttin ...
kabukiman Post at 6-10-2010 15:24


sama ler kita...1st masa Dis2008...April 2009 swtch to MM...May09 dan Okt09 masuk lg....this year tkder masuk2...
awal thn niat nk topup tp tggl niat jer la...
bro amirul pun busy jer.....dh jd sifu porex skang tuuuu....
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Post time 15-10-2010 11:33 PM | Show all posts
permasalahan DCA, sama dgn kebanyakan isu dlm finance, ialah the long term assumption.

long term  ...
kabukiman Post at 8-10-2010 09:32


Tok kabu...
tanya ckit pasal Bajet 2011...PM ada sebut pasal Amanah Saham Hartanah Bumiputra.....any idea / komen???
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Post time 16-10-2010 01:04 AM | Show all posts
Reply 8# masyit

Masyit, check PM please.
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Post time 16-10-2010 01:44 AM | Show all posts
Reply 1# rattlesnake

Hmm, nak berkongsi pengalaman jugak. Sy mula invest aggressively dlm PIDF masa August 2008. Timing yg tersangat cantik. Fund price tgh drop masa tu. Dapat la beli pada harga diskaun. Sekarang lepas 2 tahun returnnya sebanyak 24%. Alhamdulillah.


Cuma terkilan sikit dgn agen sy tu. Kalau time tu dia suggest P Ittikal tak pun PIEF kan bagus. Returnnya lebih sikit. Uish tamaknya.

Skarang ni dah jd UTC, manage akaun sendiri & tolong manage akaun orang .
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Post time 16-10-2010 03:42 AM | Show all posts
aku cukup MENYAMPAH dgn ayat mcm ni...
ayat CLICHE...

rata2 agen bila dah over 5 yrs fund  ...
koko2 Post at 30-7-2010 09:39


Sy simpati dgn kisah sedara. Dari story sedara ni sy dapat simpulkan satu je. Agent UT sedara tak buat kerja. Kalau tak DCA, agent sedara boleh je buat switching kalau sedara tak mampu bertahan. Tunggu price naik balik baru switch ke fund asal. Dapat le extra unit lepas tu buat up DCA.


Lagi satu performance fund tu sendiri sepatutnya agent sedara kena tgk. Jgn main petik je. Sejarah sesuatu fund tu kena la dikaji sedikit sebanyak. Itu la gunanya graf-graf yg ada kat website Public Mutual tuh. Sy sendiri takkan suggest pada client, fund baru yg belum diuji turun naiknya. Ada fund yg jatuh secara konsisten. Ini betul punya fund yg tak perform. Ada fund yg perform dan kemudian jatuh drastik gila2 kemudian naik balik. Ini disebabkan ada cerita disebalik tu. Recession and subprime mortgage crisis contohnya. Lepas market pulih balik fund ni pun ikut sejajar dengan pemulihan tu sendiri. Fund macam ni yg sepatutnya sedara invest. Senang kata cari fund yg lebih dari 3 tahun dan kaji turun naiknya.


Kisah2 pelabur gagal yg riuh macam sedara ni la yg merosakkan nama industri Unit Trust. Walhal ramai je diluar sana yg berjaya dapat pulangan yg bagus.
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Post time 18-10-2010 09:01 AM | Show all posts
Tok kabu...
tanya ckit pasal Bajet 2011...PM ada sebut pasal Amanah Saham Hartanah Bumiputra... ...
mytrade Post at 15-10-2010 23:33


ntah,,, tak pasti. pnb dah ada 2 amanah hartanah sebelom ni kot. yg ini new one ke, atau extension of existing ones tak pasti.
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Post time 18-10-2010 03:53 PM | Show all posts
nk tny korg, sy minat nk amik lesen agent ut
tp xnak buat sale
sbb nk belajar je benda2 tu.
koran ...
masyit Post at 12-10-2010 10:18



ok je...sy pon agen...tp xde buat sale sgt pon...juz tuk diri sndiri, suami, kenalan rapat je......sy buat standign instruction rm100 sebulan so setaun dh rm1200...agen dpt le dlm rm20++ dari jumlah tu....ok le..sape nak bagi.....
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Post time 19-10-2010 10:38 AM | Show all posts
ok je...sy pon agen...tp xde buat sale sgt pon...juz tuk diri sndiri, suami, kenalan rapat je. ...
220796 Post at 18-10-2010 15:53


hehe tu la kan...smbil gain knowledge smbil dpt duit.hehetp mmg kna buat sale ek?
kot dia terminate kita sbb xbuat sale.hu
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Post time 19-10-2010 11:04 AM | Show all posts
Reply 15# masyit


   
xkan le 0 sale nye kan? cmtu baiktak payah register & ambik exam tuk jd agen...sy dh join 2thn total sale ada le dlm rm40k++ tu main2 je...selalu xde mase nak gi training sbb dorg buat mlm...20km dari umah pulak tu....abg selau keje (Standby)..sape nak jaga anak pulak kan....
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Post time 28-10-2010 08:12 AM | Show all posts
selepas baca di sini... aku nak masuk asb lepas ni  paling kurang 10k
tapi ade juga aku dapat broucer dari uniasia pelaburan die.... xtahu la details sangat
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Post time 28-10-2010 08:16 AM | Show all posts
Post Last Edit by akubaik3 at 28-10-2010 08:23

dulu mak saya masuk saham ASDI... amanah saham darul iman... masuk 1k.....tinggal 400 je


---------------------

nak tanya.... boleh ke kalo pelaburan asb di keluarkan pada bila2 masa
katakan setelah saya masuk 4 bulan..saya nak cancel... boleh dapat balik ke 100%
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Post time 28-10-2010 11:45 AM | Show all posts
Reply 103# akubaik3


amanah saham darul iman tu saham ke? bukan under PNB pon....ASB kite boleh msuk & kuarkan bila2 je kite suka....nak tutup akaun xpe? juz ambik smua tp tgglkan rm10 ckup la....nnti ada duit msuk la balik duit dlm tu.....mane ada saham lain bg dividen hmpir 10% dgn pricipal yg terjamin? sy simpan 10k setaun dpt dlm rm800++ last year.....

yg dari 1k tinggal 400 tu kene faham konsep dear....jgn main msuk je tp xtau hujung pangkal....sy agen public mutual unit trust..penah beli public china ittikal fund dari rm1000 then lps 2yrs nilai jd rm600++ je? tau sbb ape? sbb masa sy beli kos per unit mahal....tgk bape unit kite darab la dgn nilai semasa baru dpt bape nilai RM kite tu....
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