Back to Basic: What is unit trust?

[whomyd]

all the best guys... sesame kita berjaya in this industry!

 

[hamzah]

bila masa terbaik untuk melabur dlm unit amanah?

hmmm, bila agak2nya masa pelaburan yang sesuai untuk melabur? jawapannya, tidak ada yang specific.

pelabur byk membuat spekulasi, di mana, bila market tgh naik, xsesuai ntuk melabur, sbb harga tinggi. tapi bila market down turn plak, tamo melabur jgak, sbb market tgh low, tggu nak naik skit. heh, mcm macam. apa2 pun, pelaburan yang sesuai ialah bila2 masa sahaja, dan cara pelaburan yang efektif ialah dgn mnggunakan konsep dollar-cost averaging. DCA

penerangan DCA lebih efficient klu gna illustration. hmm, walau bagaimana pun, klu para pelabur ingin penjelasan lebih lanjut, boleh rujuk dkt mana2 consultant yang available ok. let me know if anyone need further xplaination. thanks.

p/s: DCA lebih menguntungkan para pelabur.

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

 

[leukoplast]

hmmm, bila agak2nya masa pelaburan yang sesuai untuk melabur? jawapannya, tidak ada yang specific.

pelabur byk membuat spekulasi, di mana, bila market tgh naik, xsesuai ntuk melabur, sbb harga tinggi. tapi bila market down turn plak, tamo melabur jgak, sbb market tgh low, tggu nak naik skit. heh, mcm macam. apa2 pun, pelaburan yang sesuai ialah bila2 masa sahaja, dan cara pelaburan yang efektif ialah dgn mnggunakan konsep dollar-cost averaging. DCA

penerangan DCA lebih efficient klu gna illustration. hmm, walau bagaimana pun, klu para pelabur ingin penjelasan lebih lanjut, boleh rujuk dkt mana2 consultant yang available ok. let me know if anyone need further xplaination. thanks.

p/s: DCA lebih menguntungkan para pelabur.

agree..
in UT, everyday is investment day..

 

[whomyd]

yup...

with the RIGH STRATEGY, anytime is THE BEST TIME to invest

 

[mrafif]

Aku doakan agar korang mencapai impian masing masing...

Gud luck Guys!

 

[leukoplast]

Aku doakan agar korang mencapai impian masing masing...

Gud luck Guys!

tq, bro...jom join kitaorg...hehehe...

 

[baein]

anyone, anytime,anywhere can invest now.. hehehe

 

[tEnuKLang]

7 types of investment vehicles in malaysia

ok..dlm topik ni, nak crita pasal investment vehicle, yakni pelaburan2 yang ada dlm malaysia.

kita sumer org mesti ada akaun simpanan kan dkt mana2 bank? yes, saving account pun ada dividend tau. tp usually 1% jeks.

pelaburan yg kedua ialah di FD (fixed deposit). selalunya fixed deposit nih kita bleh decide nak letak brapa bulan. dan return rate dia dalm 3-4% la.

kemudian kita ada tabung haji. ni org melayu mmg suka letakkan duit dlm tabung haji ni, sbb nak wat simpanan gi haji kan. ok, last yr punya dividend tabung haji declare 4.25%.

EPF iaitu KWSP. yess, saya tau ramai yg dlm nih ada akaun epf. mesti dah beratus2 riban! hehe ok, epf ni ada 2 akaun kan? akaun satu untuk persaraan dan pelaburan, manakala akaun 2 ialah akaun belasahan sebab org byk kuarkan duit dari akaun 2 ntuk sbrang perbelanjaan yg dibenarkan. last yr dividend yg dinyatakan oleh KWSP ialah 5.15%.

hmm, yang nih pun, rata2 ramai melayu ada akaun ni. ASB. yes, ASB juga merupakan unit amanah, nama pun AMANAH SAHAM BUMIPUTERA. return dia sekrang ni average 7-9%

yang nih, ialah yg kita duk promo2 skang nih. UNIT TRUST, or unit amanah. average return 8-12%. eh, 8-12% je ker? macam nih, consultant akan dikira melanggar etika kalau menjanjikan pulangan yang byk kepada clients. sbb kita x tau wat will happen in the future. 8-12% tu kita amik based on average return for our conservative fund. klu according to past few years back, byk fund mencatatkan pulangan more than 20% each yr, due to the good market fluctuation.

last skali, stock market. wow, this thing, klu ada brani, duit banyak masyuk, bleh la try main. klu terrer, u can gain up to 400%, but if not, down fall 400% gak. heh

so, klu tgk dkt ketujuh2 investment vehicles ni, korang buat la pilihan, dkt mana yg rasa2 selamat, memberi pulangn yang konsisten, dan risiko yg stabil.

selamat melabur.

p/s: hamzah tetap akan melabur dlm unit trust, public mutual.

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

explanation yg jelas n mudah. welldone bro..

 

[CamperBoy]

Syabas semua. Semoga maju jaya!

 

[baein]

Dollar Cost Averaging

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...