Unit Trust?

hanz · PJNet Starter Joined: Nov 29, 2004 Posts: 146

Anyone here investing in unit trust? Mind to share which one you guys investing and what's the return.

For me, I only into the Amanah Saham.

Loo · PJNet Newbie Joined: Apr 17, 2006 Posts: 4

Hi, hanz,

This is LOO.
Unit Trust can provide you average 7 to 8 % return.
Some good performance fund even can acheive 18% return/year.
It is definately better than put your money in FD.

Slickdrums · PJNet Newbie Joined: Mar 13, 2006 Posts: 8 Location: PJ

If you have extra cash to splurge, then go ahead with Unit Trust.

Whatever agents tell you, nothing is guaranteed. It is only a potential provided that the market doesn't go down. Whichever area of Unit Trust you invest, it is still a risk.

7-8% is a hopeful, don't even drool for 18%. You must realise that putting your money in Unit Trust is a gamble. However, it is a safer bet than stocks and shares (or even any of those internet scams).

Find agents that are honest and have proven methods to ensure your investment doesn't burn when the economy turns downward.

Loo · PJNet Newbie Joined: Apr 17, 2006 Posts: 4

Hi, Slickdrms,

Please bear in mind, any kind of investment have it own risk.
For example, invest in property, invest in a business etc.

In my opinion, invest in Unit Trust is not gamble.
The key word is, you have to use the right method.

Base on your reply, i think you facing some bad experience before?
Can you share with us?

I do agree with you that the return from Unti Trust is not guarantee.

But please think;
1) Why Unit Trust industry still growing every year?
2) Why every year there was an increase in unit trust fundholder & it's NAV grow drastically?
3) Why goverment apprpved EPF members to take out their money to invest in Unti Trust?

I beleive you heard about Amanah Saham 2020 before?
Do you know it is one kind of Unit Trust as well?
Do you know the return from this fund also not guarantee?
But why still many investors go into this fund?

I am totally not agree with you that invest in share is more safe.
On the other hand, invest in share is more risk.
You are not able to sell your share if the share price reach a very high level.
This is becuase no body will buy from you when the price is high.
While for Unit trust, you can redeem any time and the Unit Trust Company will purchase from you (Be sure).

Slickdrums,

If you are a person who can not take risk, i sugget you to put your money in FD. Then, it is guarantee return.

Slickdrums · PJNet Newbie Joined: Mar 13, 2006 Posts: 8 Location: PJ

Hi Loo,

Like I said, it is safer bet than stocks or shares. Let me put it in plain english - it is safer than stocks or shares. I do agree with you that if you want to invest, Unit Trust is better.

At the end of the day, my philosophy is this- only invest your money if you can afford to lose it.

Unit Trust is still growing because it is the most affordable way for anyone to invest for some returns and with a promise of potential returns higher than FD. The returns are merely hopeful. Most people hold on to that promise.

As I said earlier, it is risky. Like I mentioned, only if you splurge your money without thinking twice, go ahead. But I don't recommend it if it's your life savings.

Loo · PJNet Newbie Joined: Apr 17, 2006 Posts: 4

Hi, slickdrums

First of all, sorry to misunderstanding your understanding for the risk in share.
We have the same understanding on this.

Just share with you, my self did invested in Unit Trust and i can see the result is attrative.

You might not invest all your money in unit trust but you can diversified your money by investing in Unit Trust.

Did you invest in share market before? Can you sharre?

Slickdrums · PJNet Newbie Joined: Mar 13, 2006 Posts: 8 Location: PJ

Hi, no problem. That's why whenever I share about my business concepts, I really don't like using email. It can never replace personal sharing.

No, I don't do shares. Not really interested in them.

kyfong · PJNet Newbie Joined: May 21, 2005 Posts: 20

Well.. i am currently looking at a plan by ING.. that gives some investment return of 4.57% annually guarantee with RM100k as PA. U will get 7000 per year until your age reach 85... so even when i retire.. money still comes in... unit trust cannot guarantee that... Very Happy

Christine · PJNet Newbie Joined: Jul 17, 2006 Posts: 1

This is not unit trust but it is an insurance plan. Cannot compare epal with orange. It is like an annuity without considering the effect if inflation. As for retirement, inflation is a main concern.

danny · Posted: Thu Jul 20, 2006 2:25 pm Post subject:

I have bought 2 unit trusts before. One gives me average 8% rtn pa but the other was poor, lost marginally until 3rd year but still break even range.

In nutshell, understd that there are many types of unit trusts eg. aggresive, fixed, etc. Talk to a agent then decide. Obviously aggresive funds can give good rtn or burn you. You cant have everything perfect but UTs good if you dont have time to monitor closely as in shares. The fund managers invest in broad range eg. FDs, stocks, etc so the risk is well spread out.

DanielW · PJNet Starter Joined: Jun 27, 2006 Posts: 36

Does Unit Trust pays dividend to you until certain age or forever? Can it be pass on to heirs?
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JesseOng · PJNet Newbie Joined: Jun 26, 2006 Posts: 4

Recently, the Govt warn us about the dangers of unit trusts...seems many people lost EPF money there

DanielW · PJNet Starter Joined: Jun 27, 2006 Posts: 36

I saw this blog. Interesting opinion from a Unit Trust Consultant. http://perv.blogspot.com/
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2)Revolutionary Breast Enhancement Serum. Made with latest nanotechnology (PM or email danielwongts@gmail.com for details)

jessie · PJNet Starter Joined: May 31, 2006 Posts: 79

if ur a bumi, then stick to investing in ASB. last year dividen + bonus already 8% per annum and it usually fluctuate around 7-9% of dividend and you'll almost imposibbly to lose money out of it. but if ur want a slightly higher return(also if ur ASB full to 200k already) then you can try for a Public Mutual unit trust under public bank. its an award winning investment trust from what i read in smart investor.

quiet_trader · PJNet Newbie Joined: Aug 28, 2006 Posts: 7

I put my money in a hedge fund, its a capital guaranteed fund that pays 1% a month thats 12% a year better than any FD or ASB around and its CAPITAL GUARANTEED. I mean there are all sorts of these kind of investment around but not in Malaysia lar, you gotta look overseas, but most people when they think of overseas takut already.
Private banking for high net worth individuals all invest through overseas funds. If you want much higher return go hedge fund way, got profit the fund manager gets 30% of profit no profit he gets his measly 1% admin fee that's it. If you want much higher return some more go trade for yourself ................