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ONLY "NOT SO SMART" PEOPLE INVEST IN MUTUAL FUNDS
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beeque This user has been deleted
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Originally posted by tinaz at 26-4-2006 09:50 AM
tp mengikut komen2 kat atas kita as investor pun nak kena pandai jugak..so takde la menyerahkan bulat2 pada agent....
saya ni org muda br nak menyimpan....tu yg dtg kat board economy ni nak ceduk ...
Sememangnya bila dah invest , ianya menjadii Tjawab Ut manager melaburkan wang tu. Investor tak ada hak nak
campur tangan nak tentukan share mana nak di beli, bila nak jual etc. Investor cuma ada pilhan untuk beli switch, atau
jual balik. Agent beri pandangan/advise je ...bab 5-6% charge boleh cover dalam 3-6 saya masih tak paham..macamamna boleh agent plays the roles... |
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Beegue tu la saya pun tak faham...kalau saya dah paham nanti takde la saya bodoh2 ikut agent....atleast saya pun boleh sama monitor duti tu..lain la org kaya...tak kesah pasai duit |
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akan di fikirkan kelak.... |
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[quote]Originally posted by kirawang at 27-4-2006 10:03 PM
rajin kau baca habis tinaz.
nak tahu hujung pangkal citer n nak tambah ilmu.... |
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UP...
Dear readers,
Relate this to EPF - Unit Trust fiasco. RM 600 milliom loss, no joke.
So all the facts at last........... |
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batu kikir
check your facts.... first |
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For those invest with the company yang rugi, better u switch ke Public Mutual. My husband and i invested cash and EPF close 200k and return more than 10 % per year. |
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Originally posted by batu kikir at 7-8-2006 12:40 PM
UP...
Dear readers,
Relate this to EPF - Unit Trust fiasco. RM 600 milliom loss, no joke.
So all the facts at last...........
do not blame yr agent. park at yr own risk. |
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Originally posted by tinaz at 26-4-2006 09:50 AM
tp mengikut komen2 kat atas kita as investor pun nak kena pandai jugak..so takde la menyerahkan bulat2 pada agent....
saya ni org muda br nak menyimpan....tu yg dtg kat board economy ni nak ceduk ...
kalau rasa tak cukup cerdik, tak cukup knowledge & tak berpelajaran jgnlah invest dlm unit trust. jgn harap agent sangat sebab duit yg kita invest tu duit kita. kita sendiri kena jaga duit kita. dah jadi mcm ni tak guna salahkan agent. |
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Ringgit 600 million loss....................NO JOKE.
Not 6 Ringgit or 6 thousand Ringgit. 600 million of retirement money disappear....loss...jadi debu. Yillekk.... FULL STOP.
Jangan salahkan agent, kata dia orang....
Hey...please read the paper lah....tak baca ka atau tak faham ka?
If you go thro' some of the Q & A with unit trust agents in other threads, you will get some of the funniest answer ever heard in investment world.
Q1 . Market is going down, what should I do with unit trust?
Answer: You buy some more unit trust.....dollar cost averaging so to speak, you will profit in the future. (ha..ha...ha...)
Q2. When is to buy and sell unit trust?
Answer: Buy low, sell high (ini budak tadikapun tahu). But one answer I got..........yang I gelihati.........macam ni...
"Market high or low doesn't matter.....everday is investment day" (ha..ha..ha..)
P/S
You can forget about professional answer from those make-up artist cum overnight financial consultant . VAR or Blue Ocean as risk tools, OTC and exchange traded derivatives to tackle risk, to be "in" ot "out" of the market.........then financial crisis management. This is too hot for them. |
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Originally posted by batu kikir at 7-8-2006 10:06 PM
Ringgit 600 million loss....................NO JOKE.
Not 6 Ringgit or 6 thousand Ringgit. 600 million of retirement money disappear....loss...jadi debu. Yillekk.... FULL STOP.
Jangan salahkan ...
Answer: You buy some more unit trust.....dollar cost averaging so to speak, you will profit in the future
Yang ni Public My agent public mutual guna switching ..From bond to equity and from equity ke bond.. |
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Originally posted by batu kikir at 7-8-2006 10:06 PM
Ringgit 600 million loss....................NO JOKE.
Not 6 Ringgit or 6 thousand Ringgit. 600 million of retirement money disappear....loss...jadi debu. Yillekk.... FULL STOP.
Jangan salahkan ...
Yess... Batu kikir dah kembali......
Tu lah aku suruh invest dgn company yang bagus macam public Mutual..Jgn invest dgn company yang tak establish..
Client ada pilihan.. |
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Originally posted by pokcikgumber at 7-8-2006 10:20 PM
Yess... Batu kikir dah kembali......
Tu lah aku suruh invest dgn company yang bagus macam public Mutual..Jgn invest dgn company yang tak establish..
Client ada pilihan..
how about sbb mutual bhd.. do you think it's a good co. too? |
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Originally posted by sherlyn at 8-8-2006 10:19 AM
how about sbb mutual bhd.. do you think it's a good co. too?
sorry,,
I heve personal experience with SBB. I had invested with islamic fund.yearly return less than 5%,Agents pursuaded me to use dollar cost average every time ...
After i changed to public, Public agent used another approach, switching..and return more than 10% ..yearly..
No wonder, Public won so many awards last year.. |
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Batu kikikikiki...
ni article from Theedgedaily
lagi satu how sure are u about the accuracy of the figure? source?
macam mana dia dpt 80%?
AND it's 600 mln paper loss... saya pasti u lebih fahamm.. u expert in investment..
lagi satu dari 9.7 bln tu berapa % yg less than 1 year dan berapa % yg more than 3 years..
Baca betul betul
Fund managers say maintain EPF scheme for unit trust
By Isabelle Francis
Some of the Employees Provident Fund's (EPF) appointed fund management institutions have sought clarification on a
news report that 80% of EPF contributors who invested their savings in unit trusts posted losses totalling RM600
million.
A few of the EPF-appointed fund managers told FinancialDaily they doubted the accuracy of the reported loss figure, which was attributed to their inability to invest in profitable ventures.
Until such figures could be verified, they advised the investing public not to be alarmed, even if the reported loss figure was true, as the true returns potential of unit trusts was for the long term.
All the fund managers were of the view that the EPF scheme should not be scrapped as they could give better returns than the EPF itself.
So far, under the scheme, 42 fund management institutions are allowed to manage EPF savings on behalf of contributors.
Under the scheme, EPF account holders with minimum savings of RM55,000 in Account One can invest part of the savings into fund management institutions sanctioned by the Ministry of Finance.
The fund managers agreed that investors should be educated on the risks involved before withdrawing from their EPF accounts.
A local fund manager said while investors had to understand the risks involved, a matter that could be an issue was the high cost of investing in unit trusts.
"If you invest RM100, RM6.50 is deducted as upfront fees; that itself is expensive.
"It (the report) does provide a wakeup call to the whole architecture as all the while, the EPF uses agency and the agency tend to sell products with good upfront commissions," she said.
The fund manager added that agents would have better fees from selling equity funds compared with bond funds, which were relatively more stable and carried less risks.
Nonetheless, she said while investors were advised on the risks, it was entirely up to the investors on whether they were able to take on those risks. "The higher the risks, the better the returns," she added.
"Investors should not panic. There could be some truth to the losses because of the investments in equities, but these could be due to those who entered at the peak of equities," said the fund manager.
Another fund manager said: 揑t (EPF) is a good source of funds for investors and fund managers are able to manage for investors according to their investment objectives and risk appetite.
揟he investment horizon makes EPF money suitable for unit trust investment. EPF should make investors more aware (of the risks).
"Investors should understand and know their objectives and types of funds they invested into, |
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Originally posted by LAT at 8-8-2006 11:36 AM
Batu kikikikiki...
ni article from Theedgedaily
Nonetheless, she said while investors were advised on the risks, it was entirely up to the investors on whether they were able to take on those risks. "The higher the risks, the better the returns," she added.
perkara ni yg selalu dilupakan oleh pelabur unit trust. tau nak untung jer, risiko tak mahu tanggung langsung. |
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Originally posted by tobby at 7-8-2006 09:10 PM
kalau rasa tak cukup cerdik, tak cukup knowledge & tak berpelajaran jgnlah invest dlm unit trust. jgn harap agent sangat sebab duit yg kita invest tu duit kita. kita sendiri kena jaga duit ...
hi tobby,
takde la kata saya harapkan agent, takpe la kalau saya tak pandai n nak invest jugak..
at least saya nak belajar n dr pengalaman itulah ilmu lg akan bertambah, anyway thanks 4 ur reminder |
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Kenapa perlu kita yang monitor harga UT tu? Kalau perlu monitor might as well kita monitor harga share terus.Apa perlunya bayar fee pada fund manager?Mereka dibayar untuk pastikan pelanggan mendapat pulangan yang baik walaupun pelanggan simpan dan biar duit tu utk jangka masa panjang without monitoring and without switching fund (yang mana switch tu pun ada fee jugak)... |
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menarik gak thread nih, terasa cam nak jadi agen lak  |
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Originally posted by pharez at 17-8-2006 12:06 PM
Kenapa perlu kita yang monitor harga UT tu? Kalau perlu monitor might as well kita monitor harga share terus.Apa perlunya bayar fee pada fund manager?Mereka dibayar untuk pastikan pelanggan mendapa ...
sorri dah lama tak online, been busy.
Actually, fund manager tugas dia adalah membeli saham2 terpilih yg ada potensi untuk naik. Setiap dana ada peratusan saham²nya. Akan tetapi memang nature saham setiap kenaikan akan ada penurunan. Bila saham2 tersebut menurun, maka value duit yg kita labur dalam dana unit trust ni for sure akan turun. Jadi adalah tugas kita untuk switch time tu. Cuma the BIG PROBLEM is, TIADA siapa yg dapat ramal dgn tepat TURNING point tersebut. Hanya ramalan sipi2 aja.
Sbb tu la saya suggest, sesiapa yg rasa2 dirinyer agar mahir dlm menganalise graf KLCI boleh menghulurkan sedikit bantuan di sini. Maybe kita boleh berbincang bersama. Biasanya kenaikan KLCI dan penurunannya dipengaruhi mostly from news dalam negara dan juga luar negara. Berita2 seperti pengumumam Bajet, pengumuman inflasi, kenaikan harga minyak, pengeboman di US, etc akan affect KLCI.
Ada sesiapa tahu kalau2 ada news yg kita bole baca INSTANT daily tanpa menunggu esok hari? Saya dari dulu cuba mencari, tapi tak jumpa2. Selalunyer saya terpaksa tunggu berita esok hari.
Just my 6cents.
Thank you.
wassalam. |
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Category: Belia & Informasi
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Post time 27-4-2006 09:21 AM
Author
