Posted by yfchong > 2013-01-13 11:39 | Report Abuse
For unit trust withdrawal charges is 3% From EPF investment.....
Posted by kcchongnz > 2013-01-13 11:44 | Report Abuse
sorry, i use the wrong initial charge. Thanks yfchong for correcting it. In fact every case initial charge is different. for example if you invest in Public Mutual, they may charge you 5-6% (?). But it doesn't matter. Your initial cost is still RM2000 in the above mentioned case. You got more units though which is not used in the calculation of your compounded annual return.
Posted by aunloke > 2013-01-13 12:51 | Report Abuse
Put in this way , if you have the time and the ability to invest why pay someone to do it. Besides it will stimulate our brain cells and keep us active in our old age. What's more this is also a beautiful game to enjoy.
Posted by kcchongnz > 2013-01-13 12:56 | Report Abuse
TKW, even a novice can get reasonable return from the market. Somebody mentioned before like buying those good dividend and growth stocks, Nestle, GAB, PBB etc (not when they are high). I mentioned about Bursa FBM30 the low cost index fund, ETFs, not forgetting high discounted CEF like icap. The other traits one must have are the long-term view, not emotional in the market, not over-trading, not following hot tips etc.
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This book is the result of the author's many years of experience and observation throughout his 26 years in the stockbroking industry. It was written for general public to learn to invest based on facts and not on fantasies or hearsay....
Posted by kcchongnz > 2013-01-13 11:32 | Report Abuse
Many people have invested in unit trusts. Just what is the compounded annual return of your investment? Aren't you interested in this figure so that you can compare with alternative investment, for example if you withdraw EPF money to invest, you would be interested in how is the return of unit trust as compared to if you were to keep your money in EPF, or as against the KLCI etc? The following is a guide of how you can calculate the number. Annual return R%= [Value (now) / Cost(then)]^(1/n)-1 n = number of years since invested For example, if initially you take out RM2000 from your saving account or EPF to invest in a Public Mutual Huge Return Fund. The fund was selling at 20 sen per unit. After the initial cost of say 6.5%, your number of units is 9350 (not 10000). Say after three years, and with dividends reinvested, you now have 11000 units with NAV now at 25 sen. The total amount you have now is RM2750 (11000*0.25). Your compounded annual return is (2750/2000)^(1/3)-1 equals to 11.2%. This is not bad if you compare with the long-term return of equity of 10-12% per year. You would be happy that your investment returns much better than EPF. So why not calculate your number and see where you stand. And share with us this number too.