Author Topic: ROI of unit trust !!!!!  (Read 30242 times)

Offline chrisk

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ROI of unit trust !!!!!
« on: June 01, 2010, 07:20:12 PM »
 
   Can anyone explain on the ROI of unit trust. PBB Mutual recently declared dividen for its fund , some claiming of ROI 29% for 1 year. What do they mean ???? 29% a year is dam good investment. Please enlightment me! if its true , I'll 100% put all my money in it >>>>>>>>

Offline mynewuser

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Re: ROI of unit trust !!!!!
« Reply #1 on: June 01, 2010, 07:48:20 PM »
I buy unit trust on 2008 beg. At that time, PCSF 0.28. Now around 0.17.

Offline noname88

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Re: ROI of unit trust !!!!!
« Reply #2 on: June 01, 2010, 08:53:18 PM »

   Can anyone explain on the ROI of unit trust. PBB Mutual recently declared dividen for its fund , some claiming of ROI 29% for 1 year. What do they mean ???? 29% a year is dam good investment. Please enlightment me! if its true , I'll 100% put all my money in it >>>>>>>>

Possible. 2009 was an outstanding year for equity market. If fund manager diligently carries out asset allocation, 29% is nothing... some fund reaches as high as 100%. But to be able to achieve the same return rate year after year is a whole different ball game, you should check for the same fund's annualized 5 or 10 year return to gauge its return consistency.
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Offline chrisk

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Re: ROI of unit trust !!!!!
« Reply #3 on: June 01, 2010, 10:04:54 PM »
Anyone from Public Mutual can clarify this ??? Don't think they can declare such return....

Offline noname88

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Re: ROI of unit trust !!!!!
« Reply #4 on: June 01, 2010, 10:18:05 PM »
aisehman, sudah bagi tau lu tak mau percaya...

nah, see for yourself lah... 2009 return of two of their funds.

So 29%, believable now?



« Last Edit: June 01, 2010, 10:21:33 PM by noname88 »
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Offline noname88

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Re: ROI of unit trust !!!!!
« Reply #5 on: June 01, 2010, 10:19:17 PM »
nah another one

« Last Edit: June 01, 2010, 10:22:12 PM by noname88 »
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Offline Sentra

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Re: ROI of unit trust !!!!!
« Reply #6 on: June 02, 2010, 01:01:52 AM »
Anyone from Public Mutual can clarify this ??? Don't think they can declare such return....


I am UTC for Public Mutual. You seem very new in stock investment and unit trust. What Noname 88 told you is correct!!!

You can always ask your UTC agent and explain to you in detail....
1) Share market is not interesting without compounding return.
2) When you lost 50%, you need 100% to come back.
3) Buy or sell only if a company fundamental has changed or going to change.
4) Use dollar cost averaging for bluechips company only.
5) Never neglect technical analysis.

Offline noname88

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Re: ROI of unit trust !!!!!
« Reply #7 on: June 02, 2010, 06:43:19 AM »
Notice the attachment I posted earlier is missing, here's the url for your reference

http://www.publicmutual.com.my/application/fund/performance.aspx


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Offline stockraider

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Re: ROI of unit trust !!!!!
« Reply #8 on: June 02, 2010, 08:56:04 AM »

When assessing Mutual fund and unit trust u should assess it over 3yr, 5yr and 10yr.
Also bear in mind select the yr to yr period comparison say if use DEC, then stick to this date.
If u take Public unit trust using 5 yr assessment the return is between 4% to 9% p.a. not bad but not super !
Please note when u invest in unit trust u need to pay upfront fees of 3% to 5% plus yearly management fees and expenses about 1.5% p.a.....Therefore essentially your funds need to make 2.5% p.a. for u to just break even !

Alot of people found out their fund did not make as much as promise after purchase !
But if u hav decided to buy mutual fund, make sure u get a consistent good one like Public mutual & Hong Leong

Offline chrisk

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Re: ROI of unit trust !!!!!
« Reply #9 on: June 02, 2010, 11:02:49 AM »
Saya tau , tapi dulu saya beli return baru 6%. Itu pun maksimun , tapi PMutual print kat brochure 20 % . Ini dah kelentong.

Offline ringgityen

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Re: ROI of unit trust !!!!!
« Reply #10 on: June 02, 2010, 11:59:16 AM »
Aiyah..maybe you buy at high price. Maybe print kat brochure 20% , is from thier financial period..let say return from 1st april 2009 ~ 31st March 2010.
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Offline chrisk

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Re: ROI of unit trust !!!!!
« Reply #11 on: June 02, 2010, 06:25:35 PM »
Thanks for all ur feedback.

Offline hannahlim

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Re: ROI of unit trust !!!!!
« Reply #12 on: February 12, 2011, 11:48:25 AM »
When my PCSF can go up? I buy at year 2007 @ about 0.25. until now i still rugi, dunt when it can reach back 0.25?  :S

Offline siticwa

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Re: ROI of unit trust !!!!!
« Reply #13 on: April 08, 2011, 03:54:21 PM »
hannahlim: ask your agent to switch it to other performing fund
else do 'dollar cost averaging'- buy more at lower $

Offline vinod178

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Re: ROI of unit trust !!!!!
« Reply #14 on: June 17, 2011, 06:34:45 PM »
EPF is a trust fund la bro...but their investment strategy is more to govt bonds and only a little portion on equity(shares on Bursa).

And the thing y EPF funds has never had lost its because of the dollar cost averaging by way of our EPF monthly deduction and also most of income made are kept to have a stronger capital.

Same as Unit trust.But unit trust you not limited by the market(bursa, dow jones, etc) and you get to choose your investment to be 99% in equity or bonds or money market. Also unit trust and taxed at point of source so no matter what your're profit is you dont have to pay tax.

Pros about UT is that u can invest in big cap stocks and bonds from as low as 1000 and DCA it from low as 200.

Cons is high sales charge and anual management fees and trustee fees.


Offline kparam77

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Re: ROI of unit trust !!!!!
« Reply #15 on: June 20, 2011, 07:27:23 PM »
either market up or down, the ROI as calculated as below;

this calculation without service charge, for u better understanding.

example 1, MARKET UPTREND.
if u buy fund A on 2/1/2010 at price RM0.25 and u invest RM10,000.
ur total unit will be RM10,000 / RM0.25 = 40,000 units.

let say on 31/12/2010 the price increase to RM0.30.
ur unit trust value is RM0.30 x 40,000 units
= RM12,000
ur actual ROI is RM12,000 - RM10,000 = RM2,000

which is 20%.

let say the fund manager declared distribution RM0.02 per units for FYE 2010,
so u will get RM0.02 x 40,000 units
= RM800 as distribution from ur investment value.(RM12,000)

after the distribution payout, ur investment value will be RM12,000 - RM800 = RM11,200

but ur units remain same as 40,000 with investment value RM11,200.


example 2, MARKET DOWNTREND.
if u buy fund B on 2/1/2010 at price RM0.25 and u invest RM10,000.
ur total unit will be RM10,000 / RM0.25 = 40,000 units.

let say on 31/12/2010 the price GOES DOWN  to RM0.20.
ur unit trust value is RM0.20 x 40,000 units
= RM8,000
ur actual ROI is RM10,000 - RM8,000 = - RM2,000

which is - 20%.

let say the fund manager still declared distribution RM0.005 per units for FYE 2010,

ITS DEPENDS THE DISTRIBUTION POLICY, ANNUAL INCOME OR INCIDENTAL POLICY.

so u will get RM0.005x 40,000 units
= RM200 as distribution from ur investment value.(RM8,000)

after the distribution payout, ur investment value will be RM8,000 - RM200 = RM7,200

but ur units remain same as 40,000 with investment value RM7,200.

rgrds,
RREMY,
unit trust consultant,
Public Mutual Berhad.
kparam77@yahoo.com
017-8735029


Offline kparam77

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Re: ROI of unit trust !!!!!
« Reply #16 on: June 20, 2011, 08:13:45 PM »
I buy unit trust on 2008 beg. At that time, PCSF 0.28. Now around 0.17.

Public China Select Fund is a china equity fund and its risk factor is Aggressive. Approved fund size is 15.0 Billion Units. its a big fund size.
the fund is not perform well since launch and still lower than the  benchmark.

This was because the current market/economy/inflation is not in good condition in china and also the affect of other influents.

i don't know how much u invest, if u invest small amount and if u think u can wait.......just wait. but if u invest big amount.....think twice before make decision either switch fund or exit.

if u have confident china market will recover....... as other friend say top up regularly because u won’t get for this cheap price. if u hv no confident, just switch or exit.

for ur info, Public Saving Fund which launched in 1981, not perform well for a few years initially. but now the fund doing well.

sit with ur agent and seek his advice.


Best of Luck
RREMY,
Unit Trust Consultant,
Public Mutual Berhad,
kparam77@yahoo.com
017-8735029

Offline sakurako

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Re: ROI of unit trust !!!!!
« Reply #17 on: September 07, 2011, 10:48:33 PM »
My good example, i bought PFETIF a year ago and every month i put in RM500 (I have to be ^ save) and up to total today

Total Money I "SO CALLED INVESTED" = RM 9972.51

Total value as for today = RM 8055.97

Anyone can tell me how much is my ROI?

Offline kparam77

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Re: ROI of unit trust !!!!!
« Reply #18 on: September 08, 2011, 11:09:51 AM »
My good example, i bought PFETIF a year ago and every month i put in RM500 (I have to be ^ save) and up to total today

Total Money I "SO CALLED INVESTED" = RM 9972.51

Total value as for today = RM 8055.97

Anyone can tell me how much is my ROI?

ur ROI = RM 9972.51 - RM 8055.97 = - RM1916.54
that means u r losing abt RM1916.54 for the moments.

Offline sakurako

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Re: ROI of unit trust !!!!!
« Reply #19 on: September 10, 2011, 09:31:49 AM »
ur ROI = RM 9972.51 - RM 8055.97 = - RM1916.54
that means u r losing abt RM1916.54 for the moments.

I believe on china market but not public mutual, they are bad in evaluating company. my 2sen

Offline kparam77

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Re: ROI of unit trust !!!!!
« Reply #20 on: September 10, 2011, 10:07:45 AM »
I believe on china market but not public mutual, they are bad in evaluating company. my 2sen

Ya, some time need to agree abt the capability of Fund managers on asset allocation in china market.

Offline kaka23

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Re: ROI of unit trust !!!!!
« Reply #21 on: April 28, 2012, 06:29:49 PM »
When my PCSF can go up? I buy at year 2007 @ about 0.25. until now i still rugi, dunt when it can reach back 0.25?  :S

Did you buy lump sum or doing DDI?

Offline KLSE LOSSER

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Re: ROI of unit trust !!!!!
« Reply #22 on: June 07, 2012, 01:33:46 AM »
Did you buy lump sum or doing DDI?
Buying unit trust is like buying share in share market. Timing is important. I am holding few unit trust funds now and putting a small amt into it every month. So far all my equity fund are making lose or low margin gain. But those bond fund acct are doing well. More than 5% return in one year time. Better than FD.

Offline whiteboardfx

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Re: ROI of unit trust !!!!!
« Reply #23 on: August 08, 2012, 01:28:00 PM »
invest in forex much better, consistently 5-12% monthly

contact me is you are interested
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Offline KLSE LOSSER

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Re: ROI of unit trust !!!!!
« Reply #24 on: August 08, 2012, 01:56:05 PM »
In other words... Means... I may loss 5 to 12% per month right?

Offline merlin

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Re: ROI of unit trust !!!!!
« Reply #25 on: August 08, 2012, 02:26:51 PM »
U must also choose a good UTC that can manage and do your switching for you.
You cannot just stick to one fund.  Depending on the market, it will either go up or go down.
There are times your stick to equity funds and times when you need to switch to money market or bond funds.
Get a good agent, thats the key I think.
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Offline kaka23

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Re: ROI of unit trust !!!!!
« Reply #26 on: August 27, 2012, 10:42:36 AM »
When my PCSF can go up? I buy at year 2007 @ about 0.25. until now i still rugi, dunt when it can reach back 0.25?  :S

Bro.. you buy in alot?

Offline MY Investor

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Re: ROI of unit trust !!!!!
« Reply #27 on: February 03, 2013, 09:43:12 AM »
My good example, i bought PFETIF a year ago and every month i put in RM500 (I have to be ^ save) and up to total today

Total Money I "SO CALLED INVESTED" = RM 9972.51

Total value as for today = RM 8055.97

Anyone can tell me how much is my ROI?

hold on to ur china unit trust funds, china is rebounding back. growth is expected. :-)
Want to know more about Long Term Investing and the Power of Compounding Interest? Then find me on Facebook at "Invest Made Easy, Malaysian Only" or drop me an email at sickfreak03@gmail.com

P.s : I am not a mutual trust agent

Offline kaka23

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Re: ROI of unit trust !!!!!
« Reply #28 on: May 04, 2013, 07:51:16 PM »
yea.. China will rebound I think!