6 Golden Rules For Investing in Unit Trust

If you wanted/decided for investing in Unit Trust just remember simple 6 golden rules.

1. Investor's (you) Investment Objective

Example: Retirement Planning, Children Education, Savings can beat Inflation and Others

2. Invest in Mid to Long-Term time horizon

Invest more than 3 year above.

3. Invest Regularly/Repeatedly

Example: DCA -Dollar Cost Averaging, VCA-Value Cost Averaging

never invest all your money at once.

4. Investor's (you) Risk Profile

Example: Invest in type of fund, Aggressive, Moderate and Conservative.

UTC will recommended the funds accordingly

5. Establish Expected Returns

Expected Mid to Long -Term Unit Trust Return 6% - 12% p.a.

6. Review Regularly & Rebalanced

If the objectives achieved, time horizon and change of risk profile, investor's investment need to review.

Example: Invest 70% Equity Fund and 30% in Bond Fund

Happy Investing!

Bull Trend Market- Time To Invest

Stock KLCI menunjukkan meningkatan yg mendadak setelah diumumkan pakej rangsangan 60 billion oleh Najib 2 bulan lepas dan ikuti keadaan ekonomi positif global, walaupun ader isu2 lain seperti H1N1 dan lain2.. tidak memberkan kesan kejatuhan yg mendadak.. kita tidak lihat lagi stock yg merudum (bear trend) tetapi seblaiknyer (Bull Trend)

Disini ader beberapa dana2 public mutual yg diantara yang menujukan kesan pemulihan ekonomi global. Peramal ekonomi meramalkan akan ader kanaikan sehingga melepasi 1200 mata dari 1070++ mata . Iatu sehingga 12% -15%, jika dilihat kembali waktu 823 mata tidak akan kembali, walaupun itu adalah terendah sekali sempena krisis ekonomi di USA.

Dan.. waktu ini adalah peluang keemasan bagi mereka masih tertanya2 adakah waktu sesuai untuk melabur.. dan perolehan dijangkan akan lebih baik..kerana peluang sebegini akan diperoleh 10 tahun sekali dlm cycle ekonomi..

Calculate Distribution/ Dividen

Cara pengiraan Distribution/Dividen

seperti yg diumumkan 1/06/09 harituh..

contoh akaun sendiri pengeluran EPF akaun 1
ke akaun unit trust Public Mutual
fund dipilih Public Islamic Equity Fund
sevcive caj 3% unit price 0.2509 (8/4/09)

Initial Investment transfer from EPF to Public Mutual)

8/4/09 RM1500 / 1.03 /0.2509 =5804.35 unit

1/6/09 Distribution 1.75sen seunit (refer gambar diatas)

5804.35 x 1.75 sen = RM101.58 (6.9%)

tolak tax =101.58-5.35=RM96.23

1/6/09 Reinvest

harga unit semasa 0.2714RM96.23 / 0.2714 = 354.57 unit

Total Unit5804.35 + 354.57 =6158.92 unit

Total RM1456.31 + 96.23 =RM 1552.54

Current RM6158.92 X 0.2730 (harga semasa 8/6/09 referhttp://www.publicmutual.com.my/application/fund/detail.aspx

= RM1681.39

12% dalam 2 bulan..