Soal jawab unit trust with Hasribus

hasribus

Pernahkah korang di approach oleh agent, or banker utk buat pelaburan dlm unit trust?
Adakah korang ingin nak invest dlm unit trust?

Ada sebarang keraguan atau pertanyaan...silakan...
Haku akan share my alternative point of view...supaya korang buleh buat informed decision. Know what you are investing in....and say NO to product pushers may it be the bank or agents.

P/S : Haku bukan menjual, mengiklan atau promote, sekadar sharing and advisory. No fees :bgrin:

Ayunie

aku ada invest bukannya banyak..tapi masalahnya agen tu dah tak dtg kutip.. dah 7bln miss..mcamana nak buat? adakah aku patut jual je...aku invest dlm dana izdihar hwang dbs..ik je, monthly 100..

hasribus

Originally posted by Ayunie at 13-9-2006 03:42 PM
aku ada invest bukannya banyak..tapi masalahnya agen tu dah tak dtg kutip.. dah 7bln miss..mcamana nak buat? adakah aku patut jual je...aku invest dlm dana izdihar hwang dbs..ik je, monthly 100..

takper...biarkan jer...

sebab ni bukan insurance policy...bukan buleh lapse pon. haku rasa dia taknak dtg kutip sebab comm rendah sgt...katakan dia dapat 3.5% that means he only earn RM3.50 from you monthly, trailer 1 sen kot. Ko buleh invest direct thru Hwang DBS, buat auto debit pon buleh. Kalo tak, ko buleh invest in the same funds via banks like RHB, Maybank & Eon.

anyway, ko kena tau Dana Izdihar is an Islamic Growth Fund, sales charge dia 5.5%. Fund ko kena appreciate 5.25% before u break even. Fund ni kalu tak silap haku buleh invest 30% overseas.

Kalu u don't mind conventional, haku suggest ko switch pi Hwang DBS nyer Global Properties Fund...potential good returns with less risk. Sebab this fund invest in properties instead of equities, and properties cuma effected kalu ada change in interest rate. Since this fund is a feeder that invest in a global fund, that means the fund manager can spread their investment throughout to spread the risk.

Bagus fund nih.

[ Last edited by  hasribus at 13-9-2006 04:39 PM ]

R2D2

apa info yg selalu disembunyikan oleh agen?
adakah semua info akan diberitahu hanya setelah ditanya?

Ayunie

patutla tak dtg kutip..hehe..pulangan rendah sgt..tapi kalau kumpul kwn2 aku yg invest dlm 1k jugak sekali dtg tu..kalau begitu aku biarkan sajelah tak jadi jual lagi.

thanks 4 ur info.

hasribus

Originally posted by R2D2 at 13-9-2006 05:11 PM
apa info yg selalu disembunyikan oleh agen?
adakah semua info akan diberitahu hanya setelah ditanya?

banyak sangat. well, this is in general. Not all unit trust sales person mention this, and not all unit trust sales person do not mention this.

I'll share a few...probably u won't hear things like:

"This fund has a sales charge of x%. That means yr fund need to appreciate by approx x% to break even. Anything above 6% baru yr real gains."

"You can expect 6-7% per year. This has been the returns for the past xx years." - sebenarnya apa yg dimaksudkan ialah annualised return since inception. Apa yg tak diperkatakan mungkin for the past 1, 2 or 3 years the fund have been making losses. Cth, a 5 year return of a fund is 100%...ramai yg ambik 100%/5 year = 20%...which is incorrect. First, cara kira annualised return salah. Second..it could also be that those who invested 5 yrs ago yg gain 100%, but thru ups and downs, probably those who invested 2-4 yrs ago could still be making losses, as the fantastic returns was attributed by 1 good year of booming returns.

"After a dividend is declared the price is adjusted down accordingly." - ada gak yg beri gambaran as if dividend declared by unit trust funds ni macam ASB punya dividend.


"Unit trust is for medium to long term" - true, tapi cliche sangat nih. Sometimes u can make fantastic returns even in 6 months...in a bull market. But if u do not monitor it, then u might miss the opportunity. And another thing, some still make losses after 10 years, which is an extremely long period. Sebab? Masuk dlm growth funds in a wrong time. There's a few type of growth funds (growth elements by different category of assets/equities)...so a basic understanding of what to invest and when, is crucial rather than believing solely on medium to long term cliche.

hasribus

Originally posted by Ayunie at 14-9-2006 06:13 AM
patutla tak dtg kutip..hehe..pulangan rendah sgt..tapi kalau kumpul kwn2 aku yg invest dlm 1k jugak sekali dtg tu..kalau begitu aku biarkan sajelah tak jadi jual lagi.

thanks 4 ur info.

jangan serik utk melabur...

1. how's about swiss cash?
2. how's about public mutual

hasribus

Originally posted by reds78 at 14-9-2006 12:39 PM
1. how's about swiss cash?
2. how's about public mutual

swiss cash apa yg haku dengar is a worldwide scam. I'm not too sure abt this.
The best is to invest in funds registered in Malaysia under the regulations of SC. Try to avoid those originating from unknown places like Papua New Guinea, Kaymen Islands and whatever offshore products which is unheard of. These products typically "promise" high returns....tapi memang susah nak verify. Anyone ever invested in funds like these and care to share?

Public Mutual - well, it's the biggest in Malaysia in terms of agency force and asset under management. For the past 2 years they are generally recognised as "the best" in the eyes of the public due to the number of awards received from S&P & Lipper. They have a good and wide variety range of funds. Apart from that, they have a good agent training programme and also financial planning tools and softwares for their agents and customers. Menang Public Mutual ni can be considered the leader in the industry in many ways. Good funds....Public Ittikal, Islamic Equity, Dividend etc.

However, I must say that past performance is an indication on how good there were/are...still no guarantee for the future. Nevertheless, they pass the criteria of being good fund managers, however, the returns of your investment is determined by which fund ou invest in and when.

yeap.. aku pn prefer dana ittikal tu... untuk long term

hasribus

Originally posted by reds78 at 14-9-2006 03:07 PM
yeap.. aku pn prefer dana ittikal tu... untuk long term

yup...unit trust is typically for long term...

but there's no such thing as an "all weather" fund.....what is good today might not be good tomorrow.  This is due to the changes in the economy &  market conditions.

threrfore, keep yr options open.

ye betul.. kena monitor selalu..

hasribus

Originally posted by reds78 at 14-9-2006 04:14 PM
ye betul.. kena monitor selalu..

share sikit pengalaman pahit manis ko invest....

Setakat ni ok ja.. sbb di saluran yang betul ;) orang lain aku tak tau la pulakkan..

epitome

Originally posted by hasribus at 13-9-2006 03:14 PM
Pernahkah korang di approach oleh agent, or banker utk buat pelaburan dlm unit trust?Adakah korang ingin nak invest dlm unit trust?

Ada sebarang keraguan atau pertanyaan...silakan...
Haku aka ...

pernah

Originally posted by epitome at 20-9-2006 09:00 AM

pernah

jawapan yg baik :lol

erm.. cita la skit... ape yg diorang promote tu? at least leh kongsi dgn kawan yag ada di sini..

cinoise

aku ada invest lam public ittikal ... dia tunjuk kat aku kalau invest 3 years dia punya pulangan almost 50%.. kalau tengok kat history mmg btol la.. ade ke kemungkinan aku dapat 50% pulangan ni 3 tahun akan datang?? ... tolong le sbb aku nk jual kete aku pastu ingat nak masukkan either asb atau public ittikal ni...

hasribus

Originally posted by cinoise at 10-10-2006 06:21 PM
aku ada invest lam public ittikal ... dia tunjuk kat aku kalau invest 3 years dia punya pulangan almost 50%.. kalau tengok kat history mmg btol la.. ade ke kemungkinan aku dapat 50% pulangan ni 3 tahun akan datang?? ... tolong le sbb aku nk jual kete aku pastu ingat nak masukkan either asb atau public ittikal ni...

public ittial memang performance dia excellent for the past 2 or 3 yrs...
tapi itu historical bang....it merely shows the track record of the fund manager. No guarantee that it will perform well in the future. Pls take note when I mention "fund manager", it refers to the company, not individual. Designated fund manager might change and could effect the performance of the fund, for better or worse.

don't be misled by 50% or whatever....it is because cara utk gauge the hoistorical returns (by Lipper & S&P) will most likely differ kalo banding dengan performance of your personal portfolio. Lipper & S&P pakai "time blocks" that moves in periods of 1 month, 3 months, 6 months, 12 months, 3 yrs, 5 yrs etc. So even though for the past 12 months the fund perform let's say 20%, tapi investor yg invested 16 months ago actually rugi 5%.....

Pls be informed apa apa pon Public ittikal is an local equity fund, and its performance bergantung pada local equity market (precisely the halal counters). Kalo ko masuk ASB pon bagus...capital protected and busuk busuk annual returns sekarang pon bley expect between 7-9%. Kalo nak masuk unit trust, haku cadangkan masuk Global Fund. Pon buleh try Hwang DBS Global Property Fund or yg AmInvest nyer Property Fund... don't invest everything in it laa. Property fund ni bagos & consistent...dan tak volatile sgt.

btw, haku arituh check the prospectus of ASB; haku nengok ASB ada pegang saham Maybank....so confirmlah ASB is not an Islamic fund,

skrang ada asia ittikal fund kt public mutual leh la try tgk..