Posted by limko1 > 2015-04-24 19:39 | Report Abuse

Don't pay 5% commission, there is an online UT provider that charges a maximum of 2% up front fee.

Posted by CHONG Kong Hui > 2015-04-24 23:04 | Report Abuse

Go for Wrap Account, pay less than 2%.
Use platform to invest instead of traditional way of buy direct from bank.
www.AskChong.com

Posted by Pakcik Saham > 2015-04-25 00:03 | Report Abuse

Better than keep in EPF account below 7%(For EPF investment member schame)

Posted by sosfinance > 2015-04-25 10:23 | Report Abuse

If we do a CAR of EPF, it is only about 5% to 5.5%. Online UT provider is a good idea.

Posted by hsteoh56 > 2015-04-25 10:58 | Report Abuse

One of the reasons Unit Trusts aren't attractive is because part dividends went 2 tax, n a lot of people (including myself) didn't know how 2 claim back.

Posted by tamura > 2015-04-25 11:05 | Report Abuse

Althoughh share could be high return but only 20% people making money. Unit trust safer. At least my unit trusts all making money. Just few years over 50% return already.Depend on your agent good or not. Mine not bad everytime will ask you to do switching and so on.

Posted by kcchongnz > 2015-04-25 11:24 | Report Abuse

Most people are chasing return and few look at risk. In investing where return is full of uncertainties, it pays to look at risk adjusted return, Sharpe ratio or whatever.


Posted by Pakcik Saham > Apr 25, 2015 12:03 AM | Report Abuse

Better than keep in EPF account below 7%(For EPF investment member schame)

Posted by sosfinance > Apr 25, 2015 10:23 AM | Report Abuse

If we do a CAR of EPF, it is only about 5% to 5.5%. Online UT provider is a good idea.

Posted by sosfinance > 2015-04-25 16:14 | Report Abuse

Those who made 20-50% CAR for say 3-5 years, it would be wise to rebalance to equity:bond (depends on age). As for really long term like 10, 15 or 20 years, it is unlikely the fund can achieve that. Like property, those who invest in small cap stocks one to two years ago, most make great return. But, chances of repeating that for the next 5 years is very very slim because when we see minimum long term of 10 years, if we can do say 12-15% CAR, it is consider very good.

But don't smile yet, in stocks or funds, it move up and down. Remember Brahims, it goes up from RM1 to RM2.70, today is less than one. Like HSBC, it started at 20, move to 29, drop to 25, today is 5.