Market Down? Ape yg agent dah buat untuk client?

megat2 said:

Assalamualaikum...
lame dah xpost kat dalam ni..hehehe..

alhamdullah dah tinggal final module nak complete kan CFP certification. Hopefully by 2016 Jan dapat title CFP holders. Dapat beberape ilmu yg menarik and baru.

So macam mane nak relate dgn post atas? Mcm aku share kat atas dapat beberape ilme menarik yg dah apply kat investor yg percaye. (dah bgtau ni nak test ilmu pon diorang follow je...hehehehe bagus tul client aku nih..)

Actually kalau sesape ade perasan, actually untuk market Malaysia, signal "sell" dah keluar since May 2015 (lepas budget revision meeting xsilap).

So follow ilmu baru tu, aku jumpe client aku n propose change portfolio to a defensive one (money markey n bond fund). ade yg follow and of course ade yang xcaye n xmo buat tindakan. maintain portfolio aggresive 80-100%.

To date perbezaan "return invetsment" client yg xmo switch ke yg tukar mmg besar. Ade yg sampai minus 8% xtermasuk sales charge. setakat ni client aku yg switch paling teruk -1% and paling baik +2%..

maybe pendapat aku berat sebelah tp aku rase agen atau financial planner mmg penting bile buat investment. sbb kalau nak dapat tips investment ms ekonomi cun mmg senang taip je kat internet..mmg berlambakla keluar...

tp kalau ekonomi xcun, yg keluar is "bang buat dolar cost averaging bang, topup lagi", "bang tambah lagi bang nnt abang dapat unit lagi banyak" dan macam2 lagi..

tp persoalannye..planner anda tau bile nak buat call untuk sell atau switch?

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donaldduck said:

biasa..klu epf..xde masalah sbenarnye.. buy lg equity.. (tp tgk tahun pencen diorg, klu dkat sgt..takut diorg nk guna duit..pn xguna gak invest lg..dlm stahun tu ok lg)... topup je evry 3 month tu..

tp klu yg invest cash, better repurchase..klu dh smp 10% loss.. better kuarkn.. lama lagi nk naik balik ni..try cari investment lain..

Or..plg slamat skang asb atau tabung haji..

atau kalau tau/kenal member main shares, pn ok.. sb still can make money even market kacau skang..

now pn main, still bole dpt 6-8% monthly..

gud luck bro paid

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megat2 said:

salam...
bro donaldduck mmg betul dolar cost averaging mmg tektik yg betul ...cume tektik ni hanye sesuai kalau keadaan KLCI xjatuh 350 point (kurang lebih)..so untuk keadaan dimane KLCI jatuh lebih 20% kene gune approach lain..cut lost..

bro chrom..sy rase bro macam marah je..hehehehe cool2...

bro mytrade faham maksud saye...kalau perlu cut loss kite kn jumpe client n mintak sain untuk switching atau sell(tp kalau agent highly likely xkan propose jual..hehehehe)

kalau ade kengkawan yg ade pengalaman how to manage client portfolio meh la share...pm personal pon xde hal..

aku just share satu client aku yg aku switch ke defensive portfolio on bulan 5..

return seblom switching : 14.22%
return kalau tak buat swithcing : 10.33%
return lepas buat balancing : 19.91%

just sharing...portfolio client ni invest pakai EPF...so invetment horizon restricted to malaysia market.

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mytrade said:

tringat masa 2007 masa mula2 masuk stockmarket...market almost altime high...1400 lebih...masa tu UT bukan main pulun cari customer cakap return more than ASB...

August 2007...correction...panik sebentar tp lepas tu recover semula dan buat new high pada DIs2007 klu tksilap...so ramai conpident masuk market even US dah ada signal nk crash...

MArch 2008 lepas election...kabobooommmm...freefall..
UT terus menghilang....

UT ni senang cakap masa market tgh high mmg dorang ghairah sbb boleh tunjuk previous performance past 5 years 2 digit...mmg la tinggi dari ASB,EPF dan TH...mmgla leh tunjuk 2 digit sbb lembu tgh panjat bukit...

apa la aku merepek ni...

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megat2 said:

bro donoldduck ..
u agent? under public mutual? dun worry my client almost all invested in syariah compliance punye unit trust. lagi satu y i think my client portfolio xjatuh banyak sbb i combine 2 UTMC (2 fund from 2 different fund house) dalam portfolio. The reason for this was to better protect when the downside occurs.

bro mytrade,
u self manage? yr agent xservice u? u invest kat UTMC mane? Hv you try fund from Kenanga? Eastspring? or CIMB funds? different fund house different strenght.

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