Back to Basic: What is unit trust?

[bujal38]

ok. soalan yg menarik. org suka bila dgr bab2 untung nih.

capital gain: cth, masa beli harga nav per unit RM0.30. slepas sesuatu jangka masa, harga nav per unit dah berubah menjadi RM0.40. maknanya dekat situ, u dah kaut keuntungan RM0.10 untuk setiap unit.

dividend: dividend biasanya akan diumumkan pada tahun berakhir kewangan untuk sesuatu dana. maksudnya peratus keuntungan yang diperolehi dari pelaburan kita tersebut. cth, investment RM10k, thun berakhir seterusnya, dividend declared 10%, so u dah untung RM1000.

bonus: bonus akan diberi dalam bentuk pertambahan unit. cthnya, setiap pelabur diberi tambahan 1% unit mengikut nilai nav yang terkumpul. tetapi bonus xsemestinya berlaku setiap tahun. dia bergantung kepada pasaran.

p/s: melaburlah dlm dana yang dijamin halal. insya Allah keuntungan pun halal.

HAMZAH MUHAMAD SHAMSUDIN
+6 012 36 67 474
UNIT TRUST CONSULTANT
PUBLIC MUTUAL BERHAD
[email protected]
YM: h4mms_85
Skype: hamzahmshamsudin

bos, soalan saya,
ni yg selalu saya perhatikan lah, sebab saya selalu membeli ASN ni sendiri sendiri...
n saya wat paper trade public mutual ni sendiri ler
ni soalan saya:
1. kenapa unit trust ni, bila dia announce dividen, pastu harga unit trust(harga NAV) ni mesti turun. even dalam buku azxzx ali pun mention benda nih

macam nak main mainkan pelanggan je unit trust ni saya rasa. dah ler kata announce dividen, pastu rega NAV mesti drop. kalau tak caya, cuba le tengok sendiri kekawan....saya tak bohong hok ni, hatta ASN pun sama. kenapa ek?

ada apa apa penjelasan terhadap ni tak?
but in overall, long term unit trust untung lah, paid . long term ek, bukan setahun dua.

 

[taurus_mmamm]

Fund utk Pelaburan KWSP
PIEF
PIDF
PIBF
PIOGF - fund baru

Conventional Fund
PRSF
PIX

Tambahan untuk islamic fund :

Public Islamic Select Treasurer Fund


Untuk wat lock capital(switching)

Bond and Money Market:-

1)Public Select Bond Fund (PSBF)
2) Public Money Market Fund (PMMF)
3) Public lslamic Money Market Fund (PIMMF)

 

[taurus_mmamm]

1. kenapa unit trust ni, bila dia announce dividen, pastu harga unit trust(harga NAV) ni mesti turun. even dalam buku azxzx ali pun mention benda nih

macam nak main mainkan pelanggan je unit trust ni saya rasa. dah ler kata announce dividen, pastu rega NAV mesti drop. kalau tak caya, cuba le tengok sendiri kekawan....saya tak bohong hok ni, hatta ASN pun sama. kenapa ek?

ada apa apa penjelasan terhadap ni tak?
but in overall, long term unit trust untung lah, paid . long term ek, bukan setahun dua.

1.After decleration...harga akan turun mengikut berapa sen yg dideclare...apa yg untung di sini sebagai long term investor...if they reinvest their investment the service charge is waive....no service charge..bagi pelabur cash dah untung 5.5% kat situ...dan epf investor tak yah bayar 3% kalau melabur semula all the distribution tue...kan menarik..so they tend to get more additional units...(ini juga bagi menarik minat pelabur baru untuk invest dalam dana nie,,)
2.So year by year...the compounded return get bigger and bigger...

 

[taurus_mmamm]

Assalamualaikum...Ada sesiapa yg berminat untuk ganti saya hari nie..di booth Public Mutual Klang...di Carrefour Klang..tak dapat pergi hari nie..tak de nursery yg buka...cuti sabtu minggu pertama....aiseh....sapa nak gie contact saya ...hari nie tau...4pm-10pm....cam emergency je bunyinye...

 

[hamzah]

bos, soalan saya,
ni yg selalu saya perhatikan lah, sebab saya selalu membeli ASN ni sendiri sendiri...
n saya wat paper trade public mutual ni sendiri ler
ni soalan saya:
1. kenapa unit trust ni, bila dia announce dividen, pastu harga unit trust(harga NAV) ni mesti turun. even dalam buku azxzx ali pun mention benda nih

macam nak main mainkan pelanggan je unit trust ni saya rasa. dah ler kata announce dividen, pastu rega NAV mesti drop. kalau tak caya, cuba le tengok sendiri kekawan....saya tak bohong hok ni, hatta ASN pun sama. kenapa ek?

ada apa apa penjelasan terhadap ni tak?
but in overall, long term unit trust untung lah, paid . long term ek, bukan setahun dua.

bukan main2kan investor. kalau ikut rasional pun, selepas kita disburse untung kepada pelabur, of course nilai aset bersih tu berkurangan. sbg contoh, nilai aset bersih sebelum agihan ialah RM1.1915. tetapi selepas agihan diberikan sebanyak 0.0949 per unit, nilai aset bersih selepas agihan jadi RM1.0966 per unit. ini selepas dh ditolak dgn yearly management fees 1.5%. dan seperti taurus_mmamm tulis, pelabur yg reinvest distribution, untung sbb xdikenakan charge apa2. NAB akan naik dari semasa ke semasa.. even kalau ikut teori ekonomi, untuk naik, dia akan jatuh dhulu. stability, itu yg paling penting. kita xnak investor untung tahun pertama melambung2, tapi jatuh pada tahun seterusnya.

harap2 membantu.
thanks and regards,

 

[remy82]

bos, soalan saya,
ni yg selalu saya perhatikan lah, sebab saya selalu membeli ASN ni sendiri sendiri...
n saya wat paper trade public mutual ni sendiri ler
ni soalan saya:
1. kenapa unit trust ni, bila dia announce dividen, pastu harga unit trust(harga NAV) ni mesti turun. even dalam buku azxzx ali pun mention benda nih

macam nak main mainkan pelanggan je unit trust ni saya rasa. dah ler kata announce dividen, pastu rega NAV mesti drop. kalau tak caya, cuba le tengok sendiri kekawan....saya tak bohong hok ni, hatta ASN pun sama. kenapa ek?

ada apa apa penjelasan terhadap ni tak?
but in overall, long term unit trust untung lah, paid . long term ek, bukan setahun dua.

erm apa yg hamzah bgtau tu ada betul nya.. lagipun bila declare dividen maknanya ada pertambahan unit, ikut perkiraan matematiknya (cewah cam pandai jer aku) memang NAV akan menurun tetapi nilai investment kita tetap sama disebabkan permbahan unit tu sendiri..

cth
sblum dividen
nav =0.500
total unit=2000
investment = rm1000 (2000x0.50)

selepas dividen katakan pertamabahan unit sebanyak 1000 lagi
investment= rm1000
total unit= 3000(1000+2000)
nav= 0.333


he..he.. btul ker klau salah tolong betulkan

 

[PeRwaRis]

1)Public Select Bond Fund (PSBF)
2) Public Money Market Fund (PMMF)
3) Public lslamic Money Market Fund (PIMMF)

Taurus.

Ini yang rekomended low risk fund ke utk switching?

All this while aku switch client aku punya capital to PIBond ajer.

Maybe, next time switch aku akan try the above plak

 

[fhans23]

An example of what dollar cost averaging can achieve.
With dollar cost averaging, you don't have to worry about where share prices or interest rates are headed. You simply invest a set amount of money on a regular basis over a long period of time.

Sound easy? You're absolutely right. Dollar cost averaging is a disciplined investment technique that can help turn the odds in your favour. The idea is that you buy less when the market is up, and more when it is down - automatically.

Let's look at an example which is fairly exaggerated, but illustrates how it works. Say you put $100 per month into a managed investment that initially had a unit price of $10. Over the next few months, the market falls (causing the unit price to drop) before recovering to its original value.

Month---Investment---Unit Price---Units Purchased
1-----------$100----------- $10--------------10.0
2-----------$100----------- $8---------------12.5
3-----------$100----------- $5---------------20.0
4-----------$100----------- $8---------------12.5
5-----------$100----------- $10--------------10.0
Total:-----$500----------- $10--------------65.0

At the end of the 5 months you have 65 units each worth $10, so you have $650. You have invested $500, so your profit is $150 even though the unit price is the same as when you first invested.

Of course, dollar cost averaging does not guarantee a profit. But with a sensible and long-term investment approach, dollar cost averaging can smooth out the market's ups and downs and reduce the risk of investing in volatile markets.

So when is the best time to invest? This month, next month…every month. Anytime u can invest...

apesal aku tak berapa phm lg psl dca ni

 

[baein]

apesal aku tak berapa phm lg psl dca ni

susah nak jawab tuh kalau agent yg tak faham.. dalam CUTE revision kan dah belajar benda nie..

 

[fhans23]

isk...

kena sjibik...

ko tolong la jelaskan baein...
jgn plak kondem mengondem aku yg lemah ini