Market Down? Ape yg agent dah buat untuk client?

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Irzad Shafiee

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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?
:)
Terpakai tak pandangan di atas untuk pelabur baru. Saya baru je melabur dalam sebulan, ambil kesempatan dengan harga unit amanah yg turun atau murah.
 
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Irzad Shafiee

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dulu mmg instruct agent (1st agent)..2009...tp kdg xde masa jumpa utk sign borang topup....ps tu dia kena banned...
agent kedua takeover akaun...pun saya jarang berhubung dan dia pun ada sekali dua jer call klu nak topup atau suruh buat regurlar invest..saya rasa agetn is more to sale bukan consult...
by 2011 kot, saya register online saya monitor sendiri...ada sekali dua saya pergi branch sendiri utk wthdraw EPF...
2012-2014 saya tk buat wthdraw...sbb EPF revise kelayakan akaun 1 dan tumpu pada stock dan futures....
2015..start aktif utk reinvest semula...jumpa 3rd agent kat bracnh masa nk submit application...so saya bagi jer komisen tu kat dia utk manage...

memandangkan amaun dari EPF tk byk..so saya cuma tumpu pada Public mutual saja...3 fund...PIEF (ekuiti), PIDF (ekuti more to dividend company) dan PIMMF (money market)..

Dgn 40% fund masih kat Moneymarket...
masa 2009, saya cuma study 2 fund manager Public mutual dan Dali Cimb..
tp memandangakn jumpa agent PM dulu maka saya choose PM, tp rasanya DAli Cimb lebih perform tht time..
Kalau nak top up sendiri bolehke tanpa melalui agen?Saya ingat nak top up sendiri, pergi terus ke branch.Utk initial investment yang lama dulu saya bayar melalui agen.
 

tenteraangin

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banyak buku saham aku baca, sampai skang tak berani nak masuk. huhuhuh
 

kez

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banyak buku saham aku baca, sampai skang tak berani nak masuk. huhuhuh
ilmu tanpa amal ibarat pokok tidak berbuah.. pepatah arab :D:D
mai masuk dengan saya.. saya boleh advice.. dan saya pun nk belajar dari bro jugak.
 

katrinac

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sekarang market manyak lemah. Peluang terbaik untuk beli unit trust . Boleh guna KWSP :)
 

onlyone

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Market blum down abis,hujung tahun tgk mcm msne,next week budget msrket dgn ringgit aksn up skit lpas tu doom freefall
 

katrinac

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Market on the way down. tengoklah macam mana nanti bile budget keluar..
 

megat2

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market akan up n down...tp kite amek advantage dgn switch in atau switch out bile time yg sesuai..

market yg volatile ni da hampir 2taun...teknik dolar cast avging mmg x bole...

ade fund da register negative return 2taun bturut2...
 

megat2

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market akan up n down...tp kite amek advantage dgn switch in atau switch out bile time yg sesuai..

market yg volatile ni da hampir 2taun...teknik dolar cast avging mmg x bole...

ade fund da register negative return 2taun bturut2...

klu nak tau camne sy protect client sy dr impact ni..?


jd la client sy...

switch in ke sy zero sales charge
 

megat2

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salam...
sorry da lame x update...

tp dgn happy sy ingin info yg sy dlm perancangan tuk completekn program Certified Financial Planner (CFP, skarang tgh amek fonal module, M4, dan insyaallah registered as Licenced Financial Planner awal 2017

so klu ade kengkawan nak CFP sbg planner investmnt die...roger la ye
 
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