Finally, I just bought my first unit trust this evening. I’ve spent 2 hours listening to an agent explaining about what I have already knew. It’s quite boring until she explained about which stock is suitable for me. She is very helpful (she even sent me home with her Merc 
). I finally made my decision. I divided my portfolio to Ittikal Fund and Regional Sector.
What? You bought Mutual Funds? They are easy to get down but damn long to back up?
You are right, that is what I am expecting. Dollar cost averaging works best in Low-then-up market and in long-term investment. And for Ittikal, it has a gradual increase and outperform KLSI growth. It will likely to hike 50-80% in 5 years (according to past performance but past performance is nothing more than just an indicator 
).
Why I choose Ittikal and RegSec?
I invested 66% fo my fund in Ittikal and 34% in RegSec.From past performance, Ittikal achieved 70+% in 5 years with gradual increase in price. The just launched Regsec (i missed the 1% free promotion that ended 24 June), which is for aggressive investors, has more volatile price and is perfect for long term and risk-for-higher-performance investment. I am not using the money in this 3 years so it better be in mutual rather than 3% Fix Deposit, and I’m setting up autodebit from my account to contribute 6-7% every months. Neat! The lesser money with me, the lesser I spend it.
#1 by razim on November 25, 2009 - 1:21 pm
its time to invest as economic getting better now..
call me, i’m at shah alam area..
[Reply]
razim reply on November 25th, 2009:
sori, my number: 019-2754696 / 017-3982725
[Reply]
#2 by Fandi on December 2, 2009 - 11:51 am
Salam,
Anybody want to invest in Kuantan/Pahang area? Call me at 019-985 5546. Free switching twice a year!
Fandi
UTC
019-985 5546
[Reply]
#3 by zul on December 9, 2009 - 5:02 pm
Hi…..everybody who want to become a unit trust consultant ( part time or full timme) or want advice to invest in unit trust… can email me at zul_jutawan@yahoo.com. I’ll explain 2u regarding the golden opportunity in unit trust industry…..Especially who stay in Johor (Batu Pahat,Muar,Kluang,segamat,yongpeng,kulai,bandar tenggara), ..Melaka, and Kuala Lumpur.
zul-0197099076
[Reply]
#4 by zali-81 on December 22, 2009 - 10:35 pm
saya berminat untuk membuat pelaburan dalam unit amanah. Tetapi saya inginkan penjelasan lanjut berkenaan unit tersebut secara lebih mendalam tentang pelaburan ini.Saya mendapat maklumat unit ini daripada isteri saya yang sudah pun menjadi ahli selama 2 tahun. Saya kini berada di kawasan Ipoh, Perak dan memerlukan penjelasan lebih lanjut tentang pelaburan tersebut. Sila sesiapa berkenaan sila hubungi saya di talian 017-5993850
[Reply]
#5 by Chek Ou Hoo on December 30, 2009 - 4:42 pm
Hi,
Why settle for less, when we can get so much opportunity from Public Mutual esp in term of monetery return by becoming one of the agents.
Who knows just a call of my h/p 016-5552827 may reshape your life.
Be bold to accept changes if only we are willing to do so.
[Reply]
#6 by Goldman on January 25, 2010 - 12:45 pm
We are a gold dealer.
Anyone interested to buy pure cast 999.9 gold bar , pamp suisse brand – our specialty brand – 100 gm with certificate or other types of gold ,platinum custom order etc. etc. are welcome to contact us goldman999.9@hotmail.com.
Internationally recognised. Instant rebate off RM 1000 – 1500 for each bar compared to Poh Kong, Wah Chan, Tomei, Habib or other dealers.
Simple as that and better than usual.
Best buy back offer.
Make a smart and secured purchase.
Thank you.
[Reply]
#7 by aish on February 2, 2010 - 3:44 pm
Gosh…it’s a mile long blog. I really dont have time to go through each and everyone’s. Could someone assist. Let’s say RM1M invested, how much reap and how long? Simple math please.
Rgds.
[Reply]
#8 by Nikz on February 3, 2010 - 9:07 am
Hi aish.if u want more info, u may just call / email me.I can give the complete proposal regarding your question.
Nikz
Unit Trust Consultant – Agency Supervisor
Public Mutual Berhad
012 6720978
manzrunz@yahoo.com
[Reply]
#9 by Siti on February 8, 2010 - 1:12 pm
hi,im consultant from Klang Valley anybody around here want to know about unit trust please call me .Be glad to help.
God bless us all
[Reply]
#10 by Unit Trusts on February 12, 2010 - 1:07 am
Good for you!
For the newbies, many (educated investors) prefer unit trusts simply because they are open-ended investments. This means that the underlying value of the assets is always directly represented by the total number of units issued multiplied by the unit price minus the management or transaction cost charged and any other associated fees. One has to remember that to improve the chance of success, the investment objective should be specified to determine the management aims and limits.
[Reply]
#11 by malbugs on February 27, 2010 - 11:39 pm
Pembelian saya sejumlah 10K, masa PCIF dilancarkan. Tetapi sampai sekarang saya kecewa sebab tak der untung pun. Rasa dah macam nak surrender jek… apa nasihat sibijak pandai Public Mutual bagi isu PCIF nie…kemana arah pelabur yang rasa rugi nieee….tolonglahhh
[Reply]
#12 by zulkifli on March 9, 2010 - 11:04 pm
hai malbugs, kalau dilihat harga terkini PCIF adalah 0.20++sen berbanding 0.19++sen. ini menunjukkn prestasi menaik harga saham/unit. Bagi mengatasi kerugian en malbugs itu, sy cadangkan tambah pelaburan anda di akaun PCIF. kemungkinan besar harga PCIF akan meningkat lagi, jadi harga tengah murah nilah kene beli untuk dapat bil unit yg banyak. bila harga unit naik, en malbugs dapat untung dari capital gain,… lanjut hubungi sy
0197099076;zulkifli PBMUTUAL CONSULTANT
[Reply]
#13 by handsomeguylol on March 17, 2010 - 10:07 am
anyone, do u know about uniflex?
[Reply]
#14 by Christabelle on March 20, 2010 - 6:03 pm
Anyone need a unit trust consultant’s advice and services in Kota Kinabalu area can contact me
-Christabelle
-016 8036045
[Reply]
#15 by Christabelle on March 20, 2010 - 6:04 pm
Now Public China Select Fund is the lowest fund…better buy now
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#16 by addy on March 23, 2010 - 4:41 pm
nak tanya kalau pengagihan pendapatan sebanyak 5.20 seunit bg asnb , public mutual cth pitkal pengagihan pendapatan sebanyak 2.30…mana yang lebih menguntungkan?
[Reply]
basir reply on April 15th, 2010:
in varied priced UT, pengagihan tak menambahkan investment value. Basis, NAV = # of units X unit price. So you kena compare value from date A to date B.
Not conclusive to say which one more untung. sila bezakan dgn fixed priced UT macam ASB, harga tetap, depend sepenuhnya dgn dividend.
kalau nak tanya , call 017-3355733
mba, ut
[Reply]
#17 by Julia on March 25, 2010 - 6:56 pm
We’re a gold dealer.
Anyone genuinely interested to buy pure cast 999.9 gold bar , PAMP Suisse brand ( our specialty brand ) 100 gm with certificate or other types of gold , platinum custom order etc. etc. are welcome to contact us goldman999.9@hotmail.com.
Internationally recognised. Instant rebate off RM 1000 to RM 1500 for each bar compared to other dealers.
Simple as that and better than usual.
Best buy back offer.
Make a smart and secured purchase.
Thank you.
[Reply]
#18 by nazri on March 26, 2010 - 12:13 am
interested to be Public mutual agent. May anyone contact me for further
details?
[Reply]
Miza reply on April 13th, 2010:
Hi nazri, macam mana mau contact u kalau tak bagi contact no..
[Reply]
basir reply on April 15th, 2010:
pls call me 017-3355733.
basir, agency mgr
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#19 by missy on April 10, 2010 - 8:10 pm
ape bezanye public mutual dgn ASB? mane lg untung?
sy mahu invest dlm public mutual, tp mak sy suh msok ASB. According to my fren, mak die masok rm25k, untung rm9k pd 1st month, the following month mak dier dpt rm8k++.. mcm mane kiranye tu? tlg terangkan???
[Reply]
Miza reply on April 13th, 2010:
Memang jelas Public mutual lebih menguntungkan daripada ASB. Pulangannya lebih tinggi daripada ASB. lagipun dalam public mutual pelaburannya berlandaskan syariah, ASB tidak. untuk keterangan lanjut Missy boleh bagi contact no. di email saya so saya boleh terangkan lebih lanjut dan terperinci.
[Reply]
missy reply on April 13th, 2010:
can i hv ur email no then?
[Reply]
basir reply on April 15th, 2010:
your friend tu confused, big time.
minta your friend tlg explain kat I, what does she meant by “dapat”.
rgds
[Reply]
#20 by Miza on April 13, 2010 - 4:40 am
Salam. Sesiapa yang berminat untuk melabur atau mau jadi agent area KK, Kudat, Kota Marudu or Kota Belud boleh contact saya.
No. Tel: 0195354905,
email:eyoi1002@gmail.com.
[Reply]
#21 by Khoo on May 6, 2010 - 3:01 am
Any good UT agents out there servicing Klang Valley. I believe in the importance “servicing”. I definitely do not want an “all talk, no action” type of agent. It’s other people’s money that you are dealing with, so much responsibility should be put into it.
[Reply]
CHONG KONG HUI reply on May 7th, 2010:
I am into this business.
Accountant by profession. Keen to build a career in Financial Planning.
Aim to deliver product professionally, not those just aim for quick profit and simply talk.
[Reply]
Henley Liew reply on May 10th, 2010:
Good day Khoo,
I am a full time UTC who works around Klang Valley and anywhere neccesary. I totally understand that servicing is playing a very very important role in this field. FYI, my father is a UT consultant(General Agency Manager) for almost 19 years already. I believe his servicing experiences have been helping him to gone through so many of the years. As he is my ‘teacher & mentor’, i believe i would provide the best service for my clients and would accompany my clients through decades of their investment journey. Pls do contact me at 012-9152883 or email me at lego_yih@hotmail.com to know more bout this great investment plan!!Thank you very much!!
[Reply]
Henley Liew reply on May 10th, 2010:
btw, i am working for Public Mutual, the No. 1 private uit trust company in Malaysia!
[Reply]
#22 by leen on May 14, 2010 - 1:31 pm
where is Irwan?
[Reply]
#23 by missy on May 15, 2010 - 11:01 pm
to all PM agent,
just want to know, how long does it takes for me to wait for the CUTE test, is it must wait till 4months to take the test?
[Reply]
Crystal reply on June 12th, 2010:
Dear Missy,
About 1 month of study period is given. But it’s also up to you if you want it to be earlier or later. 4 months is way too long. Refer to your upline if there is another exam time or venue available.
[Reply]
#24 by yatz on May 16, 2010 - 7:36 pm
Hello,
Good day to all. I would like to make investment into Public Mutual Unit Trust and looking for a good and informative agent who would be able to give a proper guidance and information about this particular investment.
Kindly mail me to yathika_84@yahoo.com and we shall meet to discuss more.
I am from Puchong.
Thank you.
[Reply]
#25 by Azhar on May 25, 2010 - 11:46 am
hi all.. i’m interested to be an unit trust agent..can anyone assist me?please do email me axahar@gmail.com
btw, i currently stay in perlis.
[Reply]
#26 by Yih on June 2, 2010 - 3:49 pm
not neccessary..after u took your cute class..then u could go for test already..however, u need to check with branch for available CUTE test date..hope my answer helps
[Reply]
#27 by Steven Loh on June 6, 2010 - 9:04 pm
Dear all,
Good evening. I going to take the UT exam next week, anyone can share with me where can I get the past year exam questions? Any website can visit? Or anyone can email me the question paper?
I got the UT study book, but my God, the book is too thick and many technical words is using, its turn me crazy and fainting while study those ‘bible’. My senior told me, most of the question is similar as the past years question (unfortunatelly he didnt keep the paper), he advise me to study the past year question & easy to score?
Could anyone who kind enuf to give the info to me?
BIG THANKS!!!!
Regards
Loh
[Reply]
Crystal reply on June 12th, 2010:
Dear Steven,
past year papers are given out during the CUTE class. Just do all will do.
[Reply]
Steven Loh reply on June 13th, 2010:
Sorry to say I am disappointed for your reply. I am not attend the CUTE class as I am register the exam thru my bank. There is no pre-exam class be given and niether the past year exam paper. That the reason make me haedache!!!
Steven
[Reply]
Crystal reply on June 14th, 2010:
i still have my copy of the questions. but i dunno how to pass it to you. the soft copy is in UTC connect. but im having problem logging in. if you’re staying in pj perhaps i can pass you that.
Steven Loh reply on June 14th, 2010:
Thanks for your prompt reply and sorry for my unsincere attitude toward you while asking for the past year question. Well, if you dont mind, can you please fax and email to me the copy. I dont think I can come to collect the papaer from you as I staying in Klang and I going to seat for the exam this coming Thursday. I heard that if just study the past year questions, its enuf to pass the exam, it is true? After the UT exam, I got to seat for the Insurance next week. So tiring…..
If I cant get the paper from you, its fine then. Thats my luck.
Thank you anywhere.
Regards
Steven
Crystal reply on June 15th, 2010:
its ok..cos i also thought that its mandatory to attend the class for the exam. i dont have a fax. sorry that cant help anything. yeah just do the past years will do. but without the past years its impossible for you to spot the questions. anyone out there kind enough to email a copy to Steven? the soft copy is it UTC connect. many many thanks for the help.
FadzilahMamat reply on June 19th, 2010:
Hi,
When is your exam date and in what language?
Please give your email so i can email CUTE sample questions and answers to you.
[Reply]
Steven Loh reply on June 20th, 2010:
Good evening. Thanks for your concern on my exam. I have taken my exam on Thursday (17-6-2010), luckily I have pass the exam. Thanks God!!! Hahaha.
But now another big headache make me feel suffering – I going to take the PRECIA and CEILLI Insurance Exam on this coming Thursday (24-6-2010). Really really hard for me to seek for the past year wxa questions, further more the concept or theory of the Insurance is even harder to understand then Unit Trust.
No confidence at all on this subject. But unfortunately, this is the bank policy that I have attend the exam.
If you want to help me, please try to email the Insurance past year paper to me. Else, I will be on my own again.
Anywhere, thank you and wish you have a nice week ahead.
Regards,
Steven Loh
[Reply]
FadzilahMamat reply on June 20th, 2010:
Congrats..
But I’m sorry I can’t help you with PRECIA and CEILLI insuranse test since I never took those tests.
#28 by Dee on June 8, 2010 - 4:42 pm
Hello,
Good day to all. I would like to invest into Islamic Unit Trust with Public Mutual and looking for a good and informative agent/consultant who would be able to give a proper guidance and information about this particular investment.
Kindly mail me d_daytona@yahoo.com
I am from Klang.
Thank you.
[Reply]
#29 by FadzilahMamat on June 19, 2010 - 12:16 pm
Hi Dee and future investors,
I am a full time Unit Trust Consultant from Skudai, Johor. But I am actively promoting unit trust online and managing clients from all over Malaysia.
I usually communicate with my clients through ym, facebook and telephone.
If you need my help, feel free to visit my website http://unittrust.fadzilahmamat.com and contact me.
Happy investing!
[Reply]
#30 by Shah on July 16, 2010 - 7:37 pm
Dear all investor,
If you have any question to ask fund please do call me at 0126700900 or email me at shahril.riza.mokhtar@gmail.com.
I am also looking for a new agent who is willing to change his or her life, who is boring working and make their boss rich where he/she doesn’t have enough salary/money to survive every month.
thanks…
[Reply]
#31 by Atie on July 17, 2010 - 1:00 pm
helo there,
I am a part time UTC, living in USJ. Can anyone give a clue how to promote unit trust to people around me? Thanx
[Reply]
#32 by Investmutual on July 23, 2010 - 7:50 am
How’s your UT performing?
[Reply]
#33 by TJ on July 26, 2010 - 2:27 am
Any agent nearby Setapak? Pls contact me @ 0166889825 as im interested in public mutual ut. Tq!
[Reply]