Public Mutual - CARA DCA dan VCA.

[kparam77]

Kalau nak labur RM100,000 sekali gus fikir dulu, baca market dulu, kira FV, berapa lama u nak invest , ur investment objective dan what is ur expectation?.

Kalau market trend meningkat….…..boleh masuk RM100,000 deangan cara VCA….. kalau index terlalu tinggi…….....masuklah secara DCA because u cannot time the market.

Unit trust adalah, beli murah dan jual mahal untuk dapat untung.


Unit trust bukan untuk short term….. kalau nak untung short term – jangan masuk. Tapi kalau u pandai BUAT investment strategy…. Boleh buat duit dalam short term. Itu pun bila market meningkat atau recover dari menjunam. Tapi ingat ………...NO GUARANTEE.

DCA = Dollar Cost Average.
Dollar cost averaging is a safe investment strategy.

Membuat pelaburan secara regulary….. montly, qrtly atau tahunan. Mesti ada diciplin. Tak diciplin……. boleh gagal.

Apply DCA untuk mendapat harga unit murah (average price).


DCA sesuai untuk passive investor. Tak perlu kisah, market naik turun asalkan labur. Tapi kena ingat, mesti pandai pilih dana/fund yg stabil/bagus……… kena baca prospectus and fund review untuk pilh dana/fund mana sesuai untuk anda. Biasanya Moderate funds /balance/ dividends fund sesuai.

Kalau tak pandai baca prospectus/fund review atau tak tahu pilih dana/fund yg mana sesuai untuk anda….….jangan malu malu…..tanya agen dan faham. Tanya saya pun boleh-lah..hehehehehe

Plan dulu berapa u nak untuk masa hadapan…………jangan masuk tanpa plan.

Servey dulu past records…… dana/fund mana stabil……. Kena ingat lagi past records X sama future records. Kena berhati hati juga.


VCA = Value cost average.
Value cost averaging is a strategy for spending more money to buy units when the price is low and less money when the price is high. It is similar to dollar cost averaging, though it can be more effective and it requires more of an active role for the investor.
Gunakan VCA apablla harga unit rendah.
Jangna pula pilih dana/fund selalu rendah sahaja dan tidak over take benchmark for the past 3 to 5 yrs. bahaya kalau pilih dana/fund macam ini.. So, servay dulu macam biasa.

Sekali lagi, Pilih dulu dana/fund mana yg sesuai untuk anda. Biasa dana/fund yg boleh memberi untung besar semasa market meningkat adalah dana/fund Equity/growth/aggressive.

Cara gunakan DCS dan VCA.
Mulakan dengan Kumpulkan duit dulu secara DCA……....di dana/fund kurang risiko seperti bond fund semasa market menurun. Bila u fikir market nak meningkat ……... Switch sajalah- wang anda ke equity fund secara VCA. Dengan VCA ini, u akan beli unit pada harga murah, continue DCA di equity fund….. there will the time for u to protect ur money value in equity fund.

U kena selamatkan value wang anda kalau market sentiment tukar dari menaik dan mula menuju ke-bawah.

Switch balik semua wang and ke BOND fund dan teruskan DCA di BOND fund.

SO, bila market tukar haluan dari menurun ke manignkat, apply VCA, switch ballik semua wang ke equity fund dan apply teruskan DCA di equity fund.

Dengan apply cara DCA and VCA, u boleh max ur money value. But it a bit lecih………. U need to monitor the market and ur investment very closely time by time.

U kena ingat switching charge and service charge semasa buat switching. Some investor just don’t care abt the charges, sebab they focusing on max their money which can be achievable in unit trust. Of-cource for long term.

loose less to gain more is not very big issue for active investors.


Best regard RREMY.
Unit Trust Consultant.
Public Mutual Berhad,
017-8735029
[email protected]

 

[true investor]

good info bro tq

 

[Crab Hammer]

Kalau nak labur RM100,000 sekali gus fikir dulu, baca market dulu, kira FV, berapa lama u nak invest , ur investment objective dan what is ur expectation?.

Kalau market trend meningkat….…..boleh masuk RM100,000 deangan cara VCA….. kalau index terlalu tinggi…….....masuklah secara DCA because u cannot time the market.

Unit trust adalah, beli murah dan jual mahal untuk dapat untung.


Unit trust bukan untuk short term….. kalau nak untung short term – jangan masuk. Tapi kalau u pandai BUAT investment strategy…. Boleh buat duit dalam short term. Itu pun bila market meningkat atau recover dari menjunam. Tapi ingat ………...NO GUARANTEE.

DCA = Dollar Cost Average.
Dollar cost averaging is a safe investment strategy.

Membuat pelaburan secara regulary….. montly, qrtly atau tahunan. Mesti ada diciplin. Tak diciplin……. boleh gagal.

Apply DCA untuk mendapat harga unit murah (average price).


DCA sesuai untuk passive investor. Tak perlu kisah, market naik turun asalkan labur. Tapi kena ingat, mesti pandai pilih dana/fund yg stabil/bagus……… kena baca prospectus and fund review untuk pilh dana/fund mana sesuai untuk anda. Biasanya Moderate funds /balance/ dividends fund sesuai.

Kalau tak pandai baca prospectus/fund review atau tak tahu pilih dana/fund yg mana sesuai untuk anda….….jangan malu malu…..tanya agen dan faham. Tanya saya pun boleh-lah..hehehehehe

Plan dulu berapa u nak untuk masa hadapan…………jangan masuk tanpa plan.

Servey dulu past records…… dana/fund mana stabil……. Kena ingat lagi past records X sama future records. Kena berhati hati juga.


VCA = Value cost average.
Value cost averaging is a strategy for spending more money to buy units when the price is low and less money when the price is high. It is similar to dollar cost averaging, though it can be more effective and it requires more of an active role for the investor.
Gunakan VCA apablla harga unit rendah.
Jangna pula pilih dana/fund selalu rendah sahaja dan tidak over take benchmark for the past 3 to 5 yrs. bahaya kalau pilih dana/fund macam ini.. So, servay dulu macam biasa.

Sekali lagi, Pilih dulu dana/fund mana yg sesuai untuk anda. Biasa dana/fund yg boleh memberi untung besar semasa market meningkat adalah dana/fund Equity/growth/aggressive.

Cara gunakan DCS dan VCA.
Mulakan dengan Kumpulkan duit dulu secara DCA……....di dana/fund kurang risiko seperti bond fund semasa market menurun. Bila u fikir market nak meningkat ……... Switch sajalah- wang anda ke equity fund secara VCA. Dengan VCA ini, u akan beli unit pada harga murah, continue DCA di equity fund….. there will the time for u to protect ur money value in equity fund.

U kena selamatkan value wang anda kalau market sentiment tukar dari menaik dan mula menuju ke-bawah.

Switch balik semua wang and ke BOND fund dan teruskan DCA di BOND fund.

SO, bila market tukar haluan dari menurun ke manignkat, apply VCA, switch ballik semua wang ke equity fund dan apply teruskan DCA di equity fund.

Dengan apply cara DCA and VCA, u boleh max ur money value. But it a bit lecih………. U need to monitor the market and ur investment very closely time by time.

U kena ingat switching charge and service charge semasa buat switching. Some investor just don’t care abt the charges, sebab they focusing on max their money which can be achievable in unit trust. Of-cource for long term.

loose less to gain more is not very big issue for active investors.


Best regard RREMY.
Unit Trust Consultant.
Public Mutual Berhad,
017-8735029
[email protected]

so how ur review on PISEF :-?:-?

 

[PeRwaRis]

nak buat DCA atau VCA nie...bebenornya bukan tgk current market price shj...

averaging tak kira lah dollar atau value, dia mesti based on market sentiment..sbb...dia ada averaging up dan averaging down..

averaging down is not recommended..

DCA/VCA should not be applied when market downtrending..cara yg terbaik is cut loss jer...

 

[salemi82]

good info...

 

[kparam77]

nak buat DCA atau VCA nie...bebenornya bukan tgk current market price shj...

averaging tak kira lah dollar atau value, dia mesti based on market sentiment..sbb...dia ada averaging up dan averaging down..

averaging down is not recommended..

DCA/VCA should not be applied when market downtrending..cara yg terbaik is cut loss jer...

every investor shud know how to average down the buyibg unit price.

regular DCA and re-invest the dividends, boleh dapat unit price murah.

atau tunggu masa terbaik untuk beli unit degna harga murah. iaitu VCA.

ini semua terpulang kepada individu.

service charge adalah murah, kalau beli unit pada harga murah. so, bila beli unit pada harga murah, boleh dapat banyak unit.

kalau harga unit RM1.00, service charge adalah;
RM1.00 x 5.5% = RM0.055 per unit.

kalau harga unit RM0.80, service charge adalah;
RM0.80 x 5.5% = RM0.044 per unit.

so, kalau beli unit pada harga RM0.80 se unit, SC hanya-lah RM0.044.

kalau invest RM10,000 pada harga RM1.00 dan RM0.80, sure RM0.80 mampu beri lebih banyak unit.

jadi, tidak setuju dengan....... DCA/VCA should not be applied when market downtrending.

hope u can share with us abt.... cara yg terbaik is cut loss jer

correct me if i wrong.

best regard RREMY.

 

[kparam77]

so how ur review on PISEF :-?:-?

click here for PISEF prospectus.

click here for financial stsment.

ini ialah local islamic fund, abt 93% invest in local equity.
sectors allocation change time to time for diversifications.

outperform benchmark since lunched 8/2008. market recover from 4/2009. abt 8 months in downtrend and recover.

FYE 31 july....kalau u fikir nak melabur bulan ini, boleh, divined mungkin ada kalau FM manager declare. policy-nya incidental.

tapi kalau u nak melabur untuk enjoy divend sahaja-, fikir dulu, tak sama seblum dan selepas. cuma unit akan bertambah kalau re-invest back the dividends.

satu lagi, wang awak akan ditolak sedikit untuk fees/charge/tax kalau ada dividend.

gross distibution - fees/charge/tax = net distribution (actual dividend.)

ada dua jenis pelabur.
1. suka capital grow shaja.... tidak hirau dividends, asalkan wang bertambah sahaja..

2. suka dividends.

u jenis 1 atau 2?

best regards.

 

[Mlano Rock]

click here for PISEF prospectus.

click here for financial stsment.

ini ialah local islamic fund, abt 93% invest in local equity.
sectors allocation change time to time for diversifications.

outperform benchmark since lunched 8/2008. market recover from 4/2009. abt 8 months in downtrend and recover.

FYE 31 july....kalau u fikir nak melabur bulan ini, boleh, divined mungkin ada kalau FM manager declare. policy-nya incidental.

tapi kalau u nak melabur untuk enjoy divend sahaja-, fikir dulu, tak sama seblum dan selepas. cuma unit akan bertambah kalau re-invest back the dividends.

satu lagi, wang awak akan ditolak sedikit untuk fees/charge/tax kalau ada dividend.

gross distibution - fees/charge/tax = net distribution (actual dividend.)

ada dua jenis pelabur.
1. suka capital grow shaja.... tidak hirau dividends, asalkan wang bertambah sahaja..

2. suka dividends.

u jenis 1 atau 2?

best regards.

prefer 1. warren buffet jenis 1. kaya tu.

 

[khg]

premy.. just to ask you how an investor can monitor their cost per unit without consult agent. Can we calculate our cost per unit of fund manually by looking at the public mutual online ?

I was thinking to practice VCA by myself and surely i need to know my current fund cost per unit.

Please advice.

 

[kparam77]

premy.. just to ask you how an investor can monitor their cost per unit without consult agent. Can we calculate our cost per unit of fund manually by looking at the public mutual online ?

I was thinking to practice VCA by myself and surely i need to know my current fund cost per unit.

Please advice.

is cost per unit = unit price.

yes, unit price, u can monitor in PMO, or fund price.

if u want practice the VCA, make sure u understand the the switching charges within and after 90 days. calcualte first the charges, relavant for switching or not.

if u have 10,000 units,
if unit price = rm0.25, ur fund value = 10,000 x rm0.25 = rm2500
if unit price = rm0.23, ur fund value = 10,000 x rm0.23 = rm2300


am i clear ur doubt?

hv u read my blog at www.pk31-publicmutual.blogspot.com abt the relevant charges.