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Jaminan Unit trust

maey83

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Dengan keadaan ekonomi yang tak berapa baik ni adakah pelaburan unit trust ni boleh memberi jaminan keuntungan yang baik. Sebagai pelanur kita mesti la mahu mengelak daripada kerugian.
 
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tEnuKLang

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good question. tapi elok lah di-merge je skali thread nih dalam tread yg dah stick tuh. mod plz..:)
 

tEnuKLang

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Dengan keadaan ekonomi yang tak berapa baik ni adakah pelaburan unit trust ni boleh memberi jaminan keuntungan yang baik. Sebagai pelanur kita mesti la mahu mengelak daripada kerugian.

loss adalah perkara normal dalam pelaburan unit amanah...jelas, loss mmg akan ada, cuma yg patut menjadi persoalan adalah bgaimana nak menghadapi loss.

pelabur perlu tahu bahawa faktor masa biasanya lebih dominan dari faktor harga. pelaburan yg dilakukan pada tempoh masa yg lebih panjang akan meletakkan pelaburan seseorang pelabur itu terdedah pada risiko kerugian yg lebih rendah. kerana itu biasanya pengurus dana menyarankan agar pelaburan dilakukan untuk tempoh sekurang2nya 3 tahun.

bagi pelaburan yg berskala besar, mungkin strategi switching akan blh meminimumkan loss pada satu2 masa, namun yg lebih penting adalah pelaburan yg dilakukan perlu dalam tempoh yg panjang, sekurang2nya 3 tahun untuk memastikan volatiliti risk dapat diatasi dgn sempurna.
 

KakTi

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Dengan keadaan ekonomi yang tak berapa baik ni adakah pelaburan unit trust ni boleh memberi jaminan keuntungan yang baik. Sebagai pelanur kita mesti la mahu mengelak daripada kerugian.

Dlm keaadaan ekonomi sekarang ini memanglah bila membuat pelaburan anda tak akan mendapat keuntungan. Tp kerugian yg dialami oleh pelabur sekarang ini hanya paper loss. Masa ini adalah masa yg terbaik utk kita membeli bg mendapatkan keuntungan yg lumayan bila ekonomi sudah pulih kembali. Yg pasti di sini ekonomi akan menaik semula...:)

Di bawah ini prinsip yg dipegang oleh Warren Buffet:

Times are tough. During these chaotic times, the principals of proper portfolio management are crucial:

1. Don't sell into fear
2. Rebalance your portfolio to buy equity
3. Continue dollar cost averaging
4. Inject cash if you have it
 

maey83

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mmg la..recession eko tu biasa la..tapi klu nk tgk dgn situasi global eko skrang aku x jangka ramai pelabur sanggp ambil risiko..Dijangka msia akn terima impak dlm [email protected] bulan mendatg..so apa suggestion dr pihak tn utk yakin pelabur
 

honda_primo

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ish...takut gak nk invest skrg nih...ingat ari tu nk guna epf la msk Unit trust,nasib baik xjd...ingat nk masuk gak tp guna cash la...pakai epf mcm rugi ja...mana tau long term bila time nk pencen nanti ekonmoi teruk balik....hampeh jer nanti...
 

goal_hunter

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ish...takut gak nk invest skrg nih...ingat ari tu nk guna epf la msk Unit trust,nasib baik xjd...ingat nk masuk gak tp guna cash la...pakai epf mcm rugi ja...mana tau long term bila time nk pencen nanti ekonmoi teruk balik....hampeh jer nanti...

insya Allah jatuh untung...bnyk dgn sket jer yg membeze kan nyer
 

aini

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ish...takut gak nk invest skrg nih...ingat ari tu nk guna epf la msk Unit trust,nasib baik xjd...ingat nk masuk gak tp guna cash la...pakai epf mcm rugi ja...mana tau long term bila time nk pencen nanti ekonmoi teruk balik....hampeh jer nanti...

sekrg la invest. epf kan utk long term..

ada contoh client, invest p.ittikal 6 tahun lepas.
die beli pada nav 0.70 sen seunit.
now dah 6 tahun, purata kos seunit cuma 0.42 sen seunit.
market down sekrg ni, die tak switch pun..
dan nav p.ittikal turun 0.66 sen seunit..
but client ni still making profit more than 50%..
 

aini

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Sunday, October 5, 2008
There's hope even for your unit trust

KUALA LUMPUR: Unit trust fund holders can still get their money back in the event of a bank failure because their money is held separately by a trustee.
The amount would depend on the performance of their fund in the market -- be it a profit or loss.

"It's not a problem at all," said Federation of Malaysian Unit Trust Managers council member Cheah Chuan Lok.

"They can get back the money even if their fund manager, or what we call counter-party, goes bust.

"The beauty of unit trust is that the fund managers don't have control of the money. They only direct the investment for their clients."
Each fund will have its own trustee, so the trustee custodies the assets.

The prospectus of each unit trust fund would spell out which trustee is responsible for the fund, which is a different bank.

For example, he said, the money collected from investors in AmFund would not be given to AmTrustee.

"So if AmFund goes bust, none of the money would be with us -- it'd be with our trustee, HSBC Trustee.

"And even if HSBC Bank fails, HSBC Trustee's money is ring-fenced in the sense that it's here in Malaysia and it is set aside as clients' money and has nothing to do with HSBC at all."

The trustee's job is to call for a meeting with the fund investors to ask them what they want to do with their money -- either find a new fund manager or return the money to them.

"That's their job. If they don't do it and if the unit holder has sent notices to them and if there's a further loss because of the trustee's delay in calling for a meeting, then the unit holder can sue the trustee for negligence.

"So it'd be silly to drag it out. They would call for the meeting within a reasonable amount of time."

The unit holder can also bring the matter to the attention of the Securities Commission, as unit trusts are under its purview.(NST/5 Oct 08)
 
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