Hello everybody, I'm a registered Unit Trust Consultant (UTC) of the largest Unit Trust Company in Malaysia. Here i will share my knowledge and experience relating with Unit Trust Investment in Malaysia. The journey begins...

can you tell me what is the best unit trust to invest?

how much is the percentage profit per annum?

what is the minimum to invest?

thanks

What is a Unit Trust?

Unit Trust is a form of collective investment that allows investors with similar investment objective s to pool savings, and then invested in a portfolio of securities managed by investment profesionals.




ida76
Unit Trust Consultant
Return 15% to 20% per year



As for me, some of the best unit trust to invest are the unit trust under Public Mutual. The returns based on tracj records range from 15% to 20% per annum. The minimum amount to invest is RM1,000. Additional investment is based on the addition of RM100 each (Advisable to do autodebit and compounding)

Kuala Lumpur Composite Index News

04-01-2008: KLCI hits record high as plantation stocks rally

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KUALA LUMPUR: The KLCI hit a new record high on Friday, led by strong gains in blue chips, notably plantation stocks and shares of Telekom Malaysia.

The benchmark index charted more gains as the day progressed, and closed near its intra-day high, up 31.3 points at 1,466.7, a new record. Market breadth was positive with advancing stocks beating declining ones by a 3-to-1 margin. Trading volume fell rose 625 million to 942 million shares.

The rally was achieved despite a flattish overnight performance on Wall Street. Wall Street closed with marginal gains on Thursday, after plunging sharply the day earlier. Investors there remained hesitant about the outlook ahead given record high crude oil and commodity prices, which are raising worries about inflation and slowing economic growth.

Crude oil prices hit an intra-day record high of US$100.05 per barrel on Thursday, as US crude oil inventories fell more than expected. Commodities such as soybean and soyoil prices have also hit record highs, fuelling sustained gains for palm oil prices, which are trading at around RM3,120 per tonne.

As a result, plantation shares rallied strongly on Friday – and justifiably so, as most earnings forecasts are based on averages of around RM2,400 per tonne going forward, which may prove conservative if the global commodity rally continues.

Asiatic Developments was the day's top gainer, rising 65 sen to RM9.25. Its valuations are attractive relative to the bigger plantation players like IOI Corp. Plus, the company has stronger long-term growth plans in place, given its large land bank in Indonesia, which is just being planted.

Other major plantation gainers include IOI Corp, Batu Kawan, Sime Darby, PPB and Gleanealy. Blue chips like Telekom and DiGi also chalked up large gains. Losers include SAAG, Tanjong plc and KFC.

Note: This report is brought to you by Asia Analytica Sdn Bhd, a licensed investment adviser. Please exercise your own judgment or seek professional advice for your specific investment needs. We are not responsible for your investment decisions. Our shareholders, directors and employees may have positions in any of the stocks mentioned.

By investing in Unit Trust we could spread our risk into various portfolios and have a peace of mind rather than when investing directly into the equity market. A mode of investment that focus on mid to long term financial planning.

Investment in Unit Trust can be used using 2 methods that are through Cash and using Employee Provident Fund (EPF) account 1.

The new rules of EPF starting 1st February 2008 allows investors as earliest 25 years to invest using their account balance in the EPF Account 1. This steps taken by EPF could help them DOUBLE UP OR TRIPLE UP THEIR ACCOUNT EPF 1 during their Golden days later.

I made more than 30% within a few months in China Fund. This is the best Public Mutual I have invested.

Congratulations sir. Which China fund are you referring sir?

China Select Fund. I have a few others, all making good profits.

Good news from KLCI

11-01-2008: KLCI at another fresh record high

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Shares on the Bursa Malaysia resumed trading on Friday on a positive note, taking heart from Wall Street's overnight gains. However, sentiment weakened slightly as the day progressed as worries over the US economy and corporate earnings again loomed large.

This mirrored sentiments in key regional markets where the relevant bellwether indices ended the day in the red. Investors are expected to remain jittery as they look to leads from the US market.

US stocks got a shot in the arm on Thursday after the US Federal Reserve chairman hinted at a more aggressive interest rate cut at the end of the month. This suggests concerns that economic conditions are getting worse and the risk of a recession is rising. Rumours of bigger than expected mortgage-related losses at a major US investment bank further spooked Asian markets.

The local bourse has been moving in the opposite direction to the rest of the world so far this year. Despite weak external conditions, the KL Composite Index has posted record high closes for the past five consecutive days, spurred by buying in selected blue chip stocks.

The benchmark index added another 25 points on Friday to finish the week at 1,516.2. The KLCI has now gained more than 71 points since the beginning of the year.

Our market's resilience could be attributed, at least in part, to speculations of a pre-election rally. Friday saw a surge in the market volume – to 1.76 billion shares – on the back of increased trading in lower liner stocks.

High commodity prices, including crude palm oil, have also lent support to plantation stocks, which account for a material percentage of the benchmark index.

However, our market is unlikely to decouple itself from the rest of the world too significantly or for an extended period of time. Hence, investors should still tread cautiously even though the underlying fundamentals of our economy is expected to remain relatively intact. - InsiderAsia

My personal opinion - KLCI is climbing and climbing, good to buy new unit trust or sell your unit trust(Realized your profit and don't be greedy) if you are in profit right now.

Good news regarding China, hopefully both of these news will contributes to a good performance of Public China Ittikal Fund (PCIF) later.

11-01-2008: China 2007 trade surplus rises 48%

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BEIJING: China's trade surplus in 2007 reached $262.2 billion, up 47.7% from the 2006 total of US$177.47 billion, Xinhua news agency reported on Friday.

Xinhua cited the customs office for its report, which points to a surplus for December alone of US$24.1 billion based on the surplus for first 11 months of US$238.1 billion.

Dow Jones earlier reported the US$262.2 billion figure for the whole year but put the December surplus as US$22.69 billion. Both could be correct, depending on whether customs has made year-end statistical adjustments to previous months' figures.

Economists polled by Reuters had expected a December surplus of US$24.5 billion. - Reuters


11-01-2008: Key ASIC ventures into China
By Lee Yu Tang

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KUALA LUMPUR: Integrated chip (IC) design-based Key ASIC Bhd will venture into China – Asia’s biggest consumption market for consumer electronic products – this year to provide expertise in IT and designing capabilities.

Non-executive director Lai Yit Loong said while there were good ideas provided by the Chinese design partners, they still required assistance in intellectual property (IP), building blocks of the ICs and design services.

“We are getting strong requests from them to help with the building blocks and design services. We are seeing good demand there and will continue to invest our energy in China,” he told reporters on Jan 11 after the launch of the company’s prospectus.

Key ASIC specialises on system-on-chip for consumer electronics and communications and some of the chips include those DVD, voice-over-Internet protocol (VOIP) and Wi-Fi.

Its core competency was the design optimisation capability, where the ICs can be optimised to consume lower power, deliver higher performance with a smaller die size.

It has developed IP or basic building blocks for system-on-chip, including the central processing unit and memory. Lai said Key ASIC was a local IC design house for the local fabless market, with a 39% share.

On the challenges for the consumer electronics industry worldwide and in Malaysia, he said retail spending was driven by product features and consumers would buy if the company could deliver products with good features.

He said the company targets RM31 million profit-after-tax (PAT) for its financial year ending Dec 31, 2008 (FY08) via royalties received from the subscription or recurring revenue of electronic products.

He said recurring revenue would be from sales of these products, which is expected to grow to 28% this year from 24%.

Lai said Key ASIC’s overseas business contributes almost 100% to its revenue with a significant portion originating from Taiwan and the US.

“It is critical for us to establish a stronghold there and we have started making good progress,” he said.

He said a major bulk of the company’s overseas business are channeled via its manufacturing partner SilTerra Malaysia Sdn Bhd, using Key ASIC’s IP and design services.

Starting 1st February 2008, all EPF members of age 25 that have RM9,000 balance in the 1st EPF account could invest the balance out of RM9,000 for investment in Unit Trust. Grab the opportunities now.

Tonight 7:30 pm to 10:00 pm will be my training session at Public Mutual Bangsar.

Inflation News!

16-01-2008: Government caps inflation at 2.5%
by Kevin Tan
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PUTRAJAYA: Malaysia’s inflation rate will be contained at about 2% to 2.5% for the next six to 12 months, as the price situation was still under control, Second Finance Minister Tan Sri Nor Mohamed Yakcop said.

“I personally think the earlier range of 2% to 2.5% is still valid for the next six months to a year. I certainly don’t see 4%. I don’t see inflation moving up for the year,” he said, adding, however, the government would continue to monitor the price situation.

Standard Chartered Plc had forecast in its research note on Jan 10 that Malaysia’s inflation rate would increase to an average of 4% this year from 2% previously due to higher food and fuel prices and escalating construction costs, after consumer prices rose 2.3% last November, the fastest pace in nine months.

Nor Mohamed said Malaysia’s inflation had been benign for the last 50 years and the government would not allow inflation to burden the people. There are speculations that the government would slash fuel subsidies later in the year. When the government last cut fuel subsidies in 2006, the inflation rate went up to 3.6%.

On whether the possible recession in the US would hurt Malaysian exports, Nor Mohamed said there were no signs that Malaysian exports had been affected thus far.

Malaysia’s exports declined mar-ginally to RM54.4 billion in November 2007 from RM54.9 billion the previous month, according to the Ministry of International Trade and Industry data.

However, it is still higher compared with the RM51.4 billion recorded in November 2006. Concurrently, the value of imports fell to RM43.9 billion in November 2007 against RM46.3 billion in October.

The minister also declined to comment on the further strengthening of the ringgit, saying the question was “too sensitive” as it could affect those who had taken positions on the ringgit.

The ringgit has strengthened by as much as 7.3% to 3.258 against the US dollar as at Jan 14, 2008 from early 2007.

Commenting on the government’s decision to allow monthly withdrawals from the Employees Provident Fund to pay housing loans, Nor Mohamed said the response had been encouraging since the scheme started on Jan 1, 2008.

“In just 15 days since its implementation, it had received 2,114 applications and out of the total, 1,713 were approved, involving RM29 million,” he added. Nor Mohamed said the government wanted to boost consumer confidence and private consumption through this scheme.

“It would strengthen our fundamentals so we don’t need to depend on exports anymore. With domestic resources, our country will be resilient even as others are in recession,” he added.

My review : Inflation does deplete our time value of money. So, make your move by investing in investment vehicle that gives more return than Malaysia yearly inflation rate.

As for today, 2 of my investors have got their statement from PM. And for me, i'm testing the CAMS software that i have subscribed in order to check my customer investments and records.

Do you think this is the right time to sell my funds? Since election is around the corner, the funds may go down after that.

The announcement regarding NEW REGULATIONS OF INVESTMENT HAD BEEN OUT TODAY. Now everybody can invest in Unit Trust without using any money from our pocket.

It is advisable for you to sell your fund if it had reach your desired profit target ( such as 10%-20% target) in order for you to realized your profits RATHER THAN JUST SEEING YOUR UNREALIZED GAINS IN FRONT OF YOUR EYES. This is due to the peak performance level that had been reach by KLCI this January 2008. Get your profit FIRST, REALIZED YOUR PROFITS, and come back again to enter the market (buying new unit trust i mean) once the KLCI is quite low.

News : Expected Bursa Malaysia Performance

18-01-2008: Market seen volatile in next 3 months
by Gan Yen Kuan
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KUALA LUMPUR: Malaysia’s stock market would likely be “very volatile” in the next three months due to the uncertainty in the United States’ economy, said HLG Securities Sdn Bhd chief executive officer David Lim.

However, he said the stock market would improve in the second half of the year, as problems faced by the US surfaced and became more visible in the first half.

“You are going to see a lot more negative newsflow from the US. This is not the end of it. To call it a bottom now is too early. I don’t think yesterday’s (Wednesday’s) fall is a confirmation of any trend.

“I would like to see the newsflow from the US to come out as quickly as possible for the US market to stabilise. With that, Asian markets including Malaysia will continue with their upward trend,” he told reporters after introducing HLG Securities’ lowered intra-day brokerage rates here yesterday.

On Wednesday, markets across Asia tumbled following the overnight plunge on Wall Street after Citigroup Inc posted record losses, with the Kuala Lumpur Composite Index sliding 52 points to 1,453. However, Asian markets improved yesterday, with the KLCI rebounding to close 7.05 points higher to 1,460.7, off the intra-day low of 1,431.42.

Lim said it did not foresee the US to go into recession, although it might be “on the brink of recession.” He added that Malaysia, as a defensive market, would continue to see the in-flow of foreign funds in the second half.

“If the Fed is able to stabilise the US economy, and if the monetary measures are taking effect and subprime woes become more visible and are contained, I believe our market will go up based on pure liquidity,” he said.

Lim said HLGS had advised investors to sell down if the Kuala Lumpur Composite Index (KLCI) ranged between 1,450 and 1,500. “We are looking at 1,380 as the next support level to recommend buy.”

In particular, he said it would recommend buy in the plantations, oil and gas, and building materials stocks, in line with what most brokerage houses were promoting.

For plantations, he said investors should now switch to smaller-cap stocks, and it recommended Kulim (Malaysia) Bhd, Asiatic Development Bhd and Al-Hadharah Boustead real estate investment trust.

For oil and gas, it picks Boustead Heavy Industries Corporation Bhd, Petra Perdana Bhd and SapuraCrest Petroleum Bhd, while for building materials, it likes Ann Joo Resources Bhd, Lion Industries Corporation Bhd and Industrial Concrete Products Bhd.

How about parking at money market? I can earn better interest than parking at the bank.

Which type of unit trust are you referring to? I need to know.

salam..
my name is rizal n i got quests 4 u miss ida..

1) what is the best unit trust investment in m'sia now?
2) i have work for 1 month n i want 2 know the way to invest in unit trust.
3) i've heard that Public Mutual have a great plan, can i know which plan that is good n suitable for me.
4)

Public Islamic Opportunities, Public Far-East Dividend and China Select Fund.

Anybody has a guide for beginner yg nak invest dalam unit trust tak ?since i'm using my pocket money..tp xde knowledge lansung pasal unit trust..cume pernah dengar nama je..kalau sesape yg ade website provide info untuk beginner cam saya bleh share..?

Boleh Jade Dragon, pm saya e-mail you, nanti saya bagi keterangan sikit pakai powerpoint. Or just e-mail permohonan you ke unitrustme@yahoo.com . Ini e-mail personal saya untuk unit trust. You stay kat mana bro?

My comments :

Public Islamic Opportunities - 49.50% return per annum last year ( Equity Fund )

Public Far-East Dividend - 16.87% return per annum last year ( Equity Fund )

Public China Select Fund - 5.75% return per annum last year ( Equity Fund )

All this data can be found at http://www.publicmutual.com.my/application...erformance.aspx for verification and the income achieved involve capital gain and distribution.

As for now if you like to diversify more, i suggested you invested in Public China Ittikal Fund ( The price now is rm0.2277 - so cheap and we can accumulate more units) and you can invest using your EPF Account 1 balance with the new regulations now because everybody can invest to gain wealth until 55 years years old.

The choice is in your hands, i'm just a helping hands.



It is better parking your money in Balance Fund to reduce and diversify your investment.

thanx kak ida!

mcm yg u nk tau, my age is 23. before ni pernah larr kj, n kalo x silap saya account 1 skunk ader 3000 cmtu kot. saya x check lagi.. n for the latest, saya baru jerr continue kj sebulan n purata caruman bg saya dalam 100 ke atas. 1 lagi, cmna nk jd mcm kak ida? ape yg perlu saya buat?

Hi ida i nak tanya sikit pasal unit trust nie... lebih lebih lagi i memang tak pernah lansung mencuba saham dalam unit trust nie... maklum ler tak der daya tarikkan untuk saya mengetahui lebih lanjut pasal unit trust nie... okie nama saya wanazrif, saya memang tau kerajaan juga ade menyeru rakyat berbangsa melayu join unit trust nie, tapi yela, kenkdang tu pada pikiran saya, program nie memang betul tetapi remiser nie kenkadang beretika kurang bagus. itu yg saya tak yakin tu...

Boleh tak saudari jelas kan kelebihan diantara public mutual dengan cimb. Jika saya join cimb apa perlu saya sertakan begitu juga sebaliknya, jika saya nak masuk unit trust nie menggunakan kwsp apa saya perlu tunjukkan pada cik ida...


infor pasal saya, saya dah bekerja selama 7 tahun.. dan kwsp saya ade lebih kurang 78K keseluruhannya, so saya layak ker yek... atau pun tak layak.

Ok.. kalau umur 23... simpanan asas yang ditetapkan oleh pihak KWSP ialah you perlu ada RM7,000 dalam akaun 1. Maksudnya tak layak untuk melabur menggunakan Akaun 1 KWSP sebab you must have atleast RM12,000 untuk melayakkan awak melabur seminimum RM1,000. [RM12,000 - RM7,000 = RM5,000 x 20% = RM1,000].
Pilihannya sekarang you kena melabur pakai cash nampaknya, atleast RM1,000. Kalau nak buat tambahan pelaburan, gandaan RM100 untuk yang seterusnya.
Nak jadi macam saya you mean nak jadi Unit Trust Consultant ker? You keje area mana yek? Tinggal kat mana?

Nk jd Unit Trust Consultant ni kena full time ker? Part time xleh? because i kj with RTES which is at Selangor Turf Club n tinggal kt Klang.

Boleh buat secara part-time. Sebab saya pun part timer juga, kerja di seksyen 13 shah alam but tinggal di banting. Dekat ler kita nampaknya. So, you nak start melabur dulu ker atau terus nak jadi UTC?

okie ida76 saya nak balas soalan awak nie, okie saya lahir 1977 umur dalam 30 ler... so akaun satu saya ade 48.038K.. so saya layak ker... okie jika saya tak layak... saya nak jadi UTC boleh tak? ade apa apa pembayaran ker nak jadi UTC nie

ok.. mybe wat masa terdekat nie saya xleh nk melabur.. have to wait..
psl nk jd UTC 2 plak, kena bayar ape2 kerr? ader latihan? cmna caranya? ape yg saya kena buat? mengganggu atau x kj saya skrg?

Secara ringkasnya,

Umur you -> 31 tahun
Baki akaun 1 KWSP - RM48,380.00
Simpanan asas yang ditetapkan oleh KWSP apabile berumur 31 tahun -> RM20,000

Baki simpanan yang layak untuk dilaburkan - [RM48,380 - RM20,000] x 20%
- RM28,380 x 20%
- RM5,676 (Jumlah yang boleh dilaburkan ke dalam unit trust PM)

Ok. Untuk Akaun 1 EPF you layak untuk melabur. Saya boleh tolong uruskan sekiranya berminat.

Untuk jadi UTC, Wang pengeras sebanyak RM247.50 diperlukan untuk menduduki peperiksaan yang akan diuruskan oleh pihak FMUTM.




Nak jadi UTC - Yuran peperiksaan RM247.50 diperlukan untuk menduduki peperiksaan CUTE.
Kelas persediaan sebelum peperiksaan - RM10.00 ( Dianjurkan oleh Public Mutual )
Bahan2 diperlukan dari anda -> 1. Salinan kad pengenalan depan belakang 2 salinan
2. Salinan sijil SPM yang
3. Salinan akaun buku Public Bank muka maklumat ( Kalau tiada akaun kena buka akaun di Public Bank siap2 )

Ganggu kerja anda sekarang - Tidak mengganggu secara 100% tapi perlu kerja kuat untuk dapat side income melebihi RM10,000 sebulan.

- RM5,676 (Jumlah yang boleh dilaburkan ke dalam unit trust PM)

okie nak tanya jika saya dah buat pembayaran 5,676 nie perlu ker saya add on rm 100 tiap tiap bulan... atau pun biar kan begitu sahaja. sehigga tarikh matang?

saya dah 80% berminat nie... tinggal lagi 20 % sahaja lagi untuk saya akan call ida76 nie...

Market now is not stable , is now the good timing to buy unit trust ?

Investing in unit trust is a medium to long term objectives. Medium means atleast 3 years of investment and throughout compounding method, you will profit during that time. Based on Public Mutual Unit Trust experience, majority of the unit trust funds do profited in 1 year range from 15% to 20% returns.

From your point of view, you said the market is not very stable right now right. For your information, unit trust is not an equity market because the equity market price movement is more volatile compared to unit trust investment.
The KLCI today(4.2.2008) is 1416.17 (can refer daily at http://www.theedgedaily.com/cms/index.p ) and climbing whereas it does reach 1500 +++ points in late of December 2007( +/- 100 points difference ). Yup, it is a good time to buy now because majority of the unit trust(i.e under rm0.25 (offered price) -> Public China Ittikal Fund valued at usd0.2202 today ) in order to get more units
As for investment using EPF, your fund will be put it Public Islamic Dividend Fund. A good regular investment to double up your savings when reaching 55 years of age.

Anybody want to invest using their EPF Account 1 in order to double it up once you retire in 55 years old just ask here ok.

Hello thanks for your explain


I know is a long term investment , but we also need to know when is the good timing to invest .


Just because last two years have good market , more people jump in to the stock market .
Last year i have gain my profit to 40% in stock market just in one year , just because have so many people put their money in stock market and the stock prices have gain and my profit gain too .


When equity market have down our unit trust price have follow down , you don't forget fund manager have get our money to stock market . For example i have buy the prudential trust , when the market have gain the prices have gain too . But last month the market down i saw the prices have return back . ( So sad to saw it )

If the fund manager have get profit below 10% we also lose money because paying the service fee , duty stamp fee or other fee , we not get more in profit . and this year every one know the oil will up and others material will up too is that can cover our daily purchases.

Sorry i not try to trick you, just discuss .
I like this topic , hope you can give more info .

I also hope market have not slow down , and i guest the market will up again but not now .
May be in month jun .

Happy trading .

Need more information regarding investing in Unit Trust using Cash or EPF Account 1, just pm me ok.

QUOTE
Investing in unit trust is a medium to long term objectives. Medium means atleast 3 years of investment and throughout compounding method, you will profit during that time.

I know is a long term investment , but we also need to know when is the good timing to invest .

In order to overcome the best time to invest problem, investing using Dollar Cost Averaging(DCA) is the best method to used because it helps to lowered down the Cost Per Unit of Unit Trust. But this must be done within a standard time limit and also a standard amount of money invested.

QUOTE
Based on Public Mutual Unit Trust experience, majority of the unit trust funds do profited in 1 year range from 15% to 20% returns.

Just because last two years have good market , more people jump in to the stock market .
Last year i have gain my profit to 40% in stock market just in one year , just because have so many people put their money in stock market and the stock prices have gain and my profit gain too .

Investing in Unit Trust is not the same method of investing in Equity Market because Unit Trust can be divided into 4 main category that are Equity Unit Trust, Balanced Unit Trust, Bond Unit Trust and Money Market Unit Trust. All this types of unit trust have different background of risk and returns while investing 100% in Equity market refers to high risk and a very volatile market.

Happy Chinese New Year to all my Chinese friends from all over the world.

The suggested unit trust fund for EPF now are Public Islamic Dividend Fund(PIDF) and Public Islamic Opportunity Fund(PIOF). Based on track records, their return for last year performance are more than 15% per year although both of them are Balanced Fund.

bro tak check email ke??kalau dah reply larr..

you hantar ke email fendy1976@yahoo.com ker? pls pm back your e-mail untuk i check balik.

bukanlar bro..p unitrustme@yahoo.com..

Dah ingat dah, you ang dari perak yang berminat nak jadi utc tu kan? Nanti i reply.

Anybody interested to invest or get information regarding investing in Unit Trust Investment ( A medium and long term investment ), please pm me or ask any question about it here.