Defensive Approach in Unit Trust Investment, Switching & Asset Allocation Pilihan

[PerWaris]

Salam

Saya adalah PerwaRis di Carigold dan Putera.com dan amirul_nazri di forum cari. Tujuan saya open 1 new thread adalah kerana my approach dlm handling investment pelabur mungkin ada sedkit beza dpd apa yg korang biasa dengar dan baca dpd UTC lain

Unit Trust is bukan semata2 ekuity fund

Unit Trust juga ada fixed income fund (bond dan money market) yg offer capital preservation dan bg steadier income espescially during volatile environment. My point is, for those yg plan to buy investment in moderate-huge amount espescially by $$, pelabur should consider certain portion to park into fixed income fund, espescially bond.

Fixed income funds are usually invested in bonds and interest-bearing instruments and are generally steadier and offer capital preservation. The expected return for a bond fund should be two to three percentage points above the fixed deposit rate. The risks are significantly lower with bond funds when compared
with equity funds and you should consider them as an alternative to your fixed deposits.

Everyone should invest into bond fund kerana bond fund bg some liquidity in case pelabur need cash on urgent basis.

Unit Trust bukan hanya semata-mata dollar cost averaging (monthly topup)

Practise dollar cost averaging, which allows pelabur to average down by buying more units when prices are low and less when they are high. If pelabur had invested during the market high in 1997 and practised dollar cost averaging, mereka would probably be in the black by now. However, DCA it is not the only way to maximize return dan minimumkan loss...

Unit Trust have switching, as a tool to maximize return dan reduce loss also. Sebelum itu, pelabur kena faham ttg one [1] very2 common trend iaitu apabila ekuity fund turun, maka bond akan naik..ekuity fund naik, bond akan turun.

The strategy is, do switching as on when necessary based on index market movement. In general, when pelaburan ada generate untung, switch all your capital + unrealized profit from ekuity to bond fund (to lock profit), when market drop, re-switch balik to ekuity fund, di mana ur initial investment then would be capital + profit.

Kerja switching nie sebnrnya agent yg kena buat but it your responsibility to remind them as well. Please alert them, get the update on regular basis.The cost involved pula would be minimum as RM 25 (switching fee) and service charge. But fyi, service charge is nothing to loose as the return generated from bond helps to compensate the switching fee. For mutual gold (investment > 100K)...switching is free.


Saya stongly suggest kepada bakal pelabur agar buat asset allocation juga spt di bawah (sumber dpd Public Mutual dan Fundsupermart)

Conservative
Bond 50%
Equity 50%
Rate of Return: 5.6%

Moderate
Bond 45%
Equit 55%
Rate of Return: 6.6%

Agressive
Bond 30%
Equity 70%
Rate of Return: 7.4%

Assuming annualized return of Bond = 6% & Equity = 9%...Annualized return is Effective rate of return, minus tax dan inflation.

saya mengalukan2 feedback ttg post saya nie. Boleh kita berbincang sbb maybe agent lain tak sependapat ngan saya..ttg sesapa nak tahu dgn jelas ttg camna saya gunapakai switching utk dapatkan keuntungan semaksima yg boleh dan reduce loss seminimum yg mungkin,bole email saya di nazri.amirul@gmail.com.insyaallah saya akan show sample akaun clients saya

APa yg saya quote di atas is based on my 3 1/2 years experience jd agent. Difference consultant, different style, difference return..

[mat.g™]

saya ada invest ke unit trust public mutual ni drp pakej skim KWSP, ambik Public Islamic Dividen Funds.. sakng market tgh murah maka tgh tambah investment setiap 3 bulan, tp tgk market jugak sbb nak beli pada harga yg betul2 murah.. saya amat rekemen sape2 yg nak invest for long term guna skim KWSP ni.. sbb kalo simpan duit dlm KWSP pon bape sen sgt dpt dividen, baik kita laburkan utk lipat ganda kan dana KWSP kita ni demi hari tua nanti..

[PerWaris]

saya ada invest ke unit trust public mutual ni drp pakej skim KWSP, ambik Public Islamic Dividen Funds.. sakng market tgh murah maka tgh tambah investment setiap 3 bulan, tp tgk market jugak sbb nak beli pada harga yg betul2 murah.. saya amat rekemen sape2 yg nak invest for long term guna skim KWSP ni.. sbb kalo simpan duit dlm KWSP pon bape sen sgt dpt dividen, baik kita laburkan utk lipat ganda kan dana KWSP kita ni demi hari tua nanti..

u had make the right move bro...

those yg buy investment during economic woes now, akan dpt return yg bagus bila market dah recover nanti..dan mereka akan bersyukur.