Irwan’s

cool,

I am planning to invest in unit trust too. Maybe i will used Maybank.

So tell me about this Unit trust, How do you calculate unit trust profit?

Suppose that i invest RM1000. what my profit will be at the end of the month?

Thanks.

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Hi Irwan

I enjoyed reading your blog. It’s good to see a fellow Malaysian promoting the importance of savings. I have invested in Ittikal too and have also done quite some research on mutual funds investing. If anyone wants to check it out the address is: http://mywealthplanner.wordpress.com. Keep up the good work!

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Assalamualaikum,

Hi, I really admire at your enthuasiast for the financial freedom. There are many ways to get successed. Now as far as I see here, you already have two of them. Firstly as an investor at Unit Trust, secondly as an internet marketer. My advise is get the insurance also! Go to:

I wise a very Good Luck for you.

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Hi & assalamualaikum;

I’m successfully running a state-owned company in the east coast and is always searching for “financial freedeom”. I have tried some MLMs…receive more bonuses compared to the amount I invest…yet I found doing UNIT TRUST is a lot easier than one can ever imagine!!
If you are interested to know more on unit trust especially PUBLIC MUTUAL feel free to contact me at the above email and I will definitely respond to you ASAP. I’m in the process of having my own website and you can browse the website at least 1 week from now ‘coz still in the process of putting all the relevant data and info.
Once you have basic understanding on unit trust you can either:
1) Invest
2) Become Unit Trust Consultant with so many benefits
3) Become an introducer to potential investor and receive commissions

It’s your choice…

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Elziyanti;

I’m going big time with my Public Mutual right now and have found a way how to make it big in this business!!
I will email you soon on how to do it. If you really want to invest, u can invest and if you want to make side income I have the secret..no joke..Wait till you receive my email

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Hi Hafiz;

Tq for your enquiry regarding the UT. As I mentioned earlier..I can see how you can gain either as an investor or an agent or both. As investor you get ROI (Return of investment) only and is based on the fund performance. For your info..most Public Mutual funds have a return of between 10 ~ 15% per annum which is obviously higher than FD, EPF, TH or even ASB.
If you really want to know more feel free to call me at any time. I’m a certified Unit Trust Consultant for P Mutual and within less than 2 wks I have gained 4 figures direct commission as an agent only. I will explain to you how to do it but most important you have to go for exam and become UTC like me!

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Assalamualaikum,
Interesting topic. Agree with Mr. Irwan that unit trust price is heavily influenced by KL Composite index. It depends on what fund one buys. If you buy Growth or Dynamic fund, then >60% will be invested in Equity that are listed on Bursa Msia or regional mkts. You must KNOW what you’re investing and WHEN to invest. I am involved in the stockbroking industry and also a unit trust agent.

My observation so far, most investors don’t even know what funds they bought. They just leave it to their agents. Please….Its YOUR money. Do monitor your investments. There are many unit trust agents out there who do a HARD SELL.

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I’m a Public unit trust holder too!. just to share with everyone how is my strategic of investing in unit trust. Basically, before i do investing in any form of investment. i had build-up an emergency fund first. (initially, i set aside for 3 mths expenditure. then the less of my money go for invesment. As my investment grow. now i had set aside for 1 year which 3 mths in FD, 9 mths in public bond fund.). After i had build your emergency fund. then i had choose invest in mutual fund by 10% in bond 20% in balance fund, 30% in index fund and 40% in growth fund. So my profolio comprise of fund that focus on KLSE, Far East & Global. For the time being, large % of my fund are focus on KLSE & Far east, because i felt the growth will still continue for quite awhile.

My strategic of investing is base on the BUll & BEAR market. When i feel the market had turn to bull market. then 1 will adjust my % for each categories of funds. (most of my growth fund income/unit will transfer to my balance fund and cash up some to my bond fund. this is to control the impart if the bear suddenly come up and play. so if it really happen, then most of my fund will safe and i would wait until the market is at low, then i transfer back my fund to growth fund.) I have done a personal chart on how much % of distribution in each categories of fund in regard to bull market and bear market. Other than the average unit costing known by everybody here. i myself have invent a method which by transfering your fund between different categories. actually u can expect high return compare to, just invest the money and let it run by itself.

If anyone interested to get a more clearer picture what am i talking about. just drop me a mail at

Of course, the above just my own investment strategic, and i always looking forward for a better one. hope we all here can share all we know about investing with an open heart.

Like my Name……… Friend!

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Hi all, thought of joining the crowd. I’ve been investing with other mutual funds few years back but decided to swtich all to Public. Currently I’ve invested into Ittikal, Asia Ittikal, Islamic Oppurtunity and latest new issue. I would say all my funds are performing well (especially ittikal) considering they are less than 8 months. I feel that what is the most important in dealing with unit trust is the agent him/herself. The agent, apart from convincing the client on the 1st investment, must also advice and inform the client of the prevailing scenario of stock market, bond fund, money market etc that may be an interest to the client. There are not many who do that. So I decided to become one. I’wll be an agent soon and hope to impart my experience on the ups & downs of playing stocks, running own business, working as top management and being an investor. I’ve done it all. At this point, I must say, investing in unit trust is very,very smart thing to do !

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Hi Ming,

Hope this might help …

The conventional way of saving is using fixed deposit(FD) which is giving about 3.8%. If we deduct this with the inflation rate about 3%… we gain almost nothing.

1. Unit trust is actually a way to gain more from your savings. With the help of analyst/fund manager, there’s no need for us to worry much.. because they’ll do all the work for us. Ever invest in shares??? It’s difficult if we don’t have the time to monitor it. We don’t know when is the right time to go in and go out. Basically your saving will be diversify which will minimize your risk, because the fund will be invested into various equity/shares.

2. As a unit trust agent, I’ll definitely say “no” if your going to invest direct from the bank of the chosen unit trust fund cause there’ll be no commission. But if you think of it in another way, you’ll have no customer service direct to you other than the one’s offer by the unit trust company. By going thru agent, you can have personal care for your accounts.

3. There’s a minimum amont you’ll need to invest for initial investment. After that, there’ll be minimum additional investment that you can add in anytime.

4. There’ll be no other additional charges, since other expenses have all been calculated in the buying and selling NAV prices of respective unit trust.

5. Which fund to invest depend on your tolerance to risk. Each person is different depanding on their career and environment.

6. It’s a must for all unit trust fund to post the prices in major newspapers.(eg. TheStar, SinChew). It’s even easier if you check at the unit trust website.

7. Yes, you can direct debit your savings into your unit trust fund. All you need to do is to fill out some forms. In that way, you don’t even have the hassle to do the necessary procedure always..

8. If your interested, you can contact me..
I’m available around klang valley

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Hi everybody…is me again..today i was some new question here…maybe cant consider as question la…but just intend to ask some opinion from all senior here….hehe

recently i was focus on those aggressive fund, can some body provide me some information and opinion for them?

1. PIF
2. PAGF
3. PBGF
4. PBADF

can some senior share information of them to me? if compare with each of them.. which one is more better?oh ya~~kkchow23, can u give me ur hp number? i plan to have a talk with u, if u free.

Thank you.

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Assalamualaikum…

Saya tak pandai sgt berbahasa English, malu jugak nanti takut tersalah bahasa. tapimasih teringin nak komen sesuatu di sini. Sebelum ni memang tak tahu langsung apa itu Unit Trust or Public Mutual Sampaila one day saya di approach by one of the Public Mutual unit trust consultant. At first saya cuba invest EPF, tapi lepas tgk keuntungan yg dapat naik geram pulak so saya cuba cash. bermula dengan RM1000. Alhamdullilah.. pulangan dia memang diluar jangkaan tak macam ASB yang disimpan RM1000 bila nak keluarkan pun RM1000. No capital gain. Memang tak menyesal. Sekarang saya dah tambah investment sebanyak RM10,000. Tapi apa yang paling menakjubkan tentang Public Mutual is my agent. he updates me almost every months and her service is one of the reason what I luv about public mutual. And she also pretty.. heheheh but that not the issue. The issue is Public Mutual will always be my choice. Banyak my friends yang masuk Swiss Cash kind of big talk previously. And they even laugh at me. Well look whose laughing now….

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hi senah..
answers to ur question
1. what is required to be a UTC -> minimum SPM.
2. what it takes to be one – time? contacts? workload? travelling? -> u hv to pass 1 easy exam handled by FMUTM. workload & travelling not heavy at all..depends on u. there’s training for ur to attend..but usually u pay rm5 or rm10 for refreshment cost only. contacts – the more you hv, the better. but this can be built over time.. or through roadshows at malls.
3. how do you do it as part time? -basically it depends how much time u want to put in..i usually only work more when there’s special offer/new launch/sales.

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saya sokong fazalee diatas, saya punya agent pun best juga, dia takdela hensem sgt… ehehe… tapi dia bagi saya report 24 hours , update ada la seminggu sekali… saya start dengan dia baru je bulan january, tapi tak la labur dalam ittikal, labur dalam dana al-ihsan, return alhamdulilah la, setakat ini dapat juga dalam 25% tahun ini saja,

bagi saya tak kesah la dia hensem ke tak, at least mmg dia bagi servis yang baik dan selalu update saya, yang bestnya masa saya invest awal2 RM500 , nak test test masa dia approach saya, dia siap bagi chocolate lagi.. cam romantik la plak dia ni.. tapi alhamdulilah la, mmg dia bagus… saya dah invest dlm 60k dah nge dia.. kalau performance ok lagi.. saya nak tambah.. website dia kat

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Sebenarnya, paling penting mesti ada sasaran.. berapa banyak pulangan yang diidamkan oleh pelabur?

Setelah mencapai sasaran yang dikehendaki, adakah pelangan puas dengan pencapaian itu? Sekiranya ya, kita perlu merealisasikan pulangan itu.

Apabila harga unit trust turun disebabkan pasaran yang merosot, patut menggalakan pelabur sama ada hendak menambah lagi pelaburan? In adalah prinsip “Dolar Cost Averaging”. Pelangan harus tahu, apabila pasaran merosot, bukan sahaja satu fund sahaja akan turun tapi kesemua turut akan terjejas. Jadi kita harus mempunyai prisip kita dan tidak bermain seperti saham di mana kita banyak dengar “cut loss”. Kita tidak boleh meramalkan bila ia akan naik atau turun.

Komunikasi di antara pelabur dengan agen adalah sangat penting. Sekiranya tidak ada interaksi, pelabur tidak akan tahu ke mana perginya wang yang dilaburkan dan bagaimana prestasi setakat ini.

Tapi saya juga pernah mengalami pengalaman yang kurang baik, di mana agen mengutamakan keuntungan sahaja dan kurang memberi input yang diperlukan dan menyebabkan sesetengah pelaburan saya mencapai prestasi yang kurang memuaskan. Itulah salah satu sebab saya sendiri sangat berminat untuk menjadi agen sendiri. Bagi saya inilah satu peluang untuk saya meluaskan pengetahuan saya.

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calling for unit trust agent at east malaysia.. esp kota kinabalu

i need your further explaination regarding unit trust

tq

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hi rushdan,

Sebenarnya menjadi agen bukan semestinya untuk mendapat pulangan yang lumayan sahaja. Bahkan kita boleh menimba pengalaman dan pengetahuan yang bermanfaat kepada kita.

Kalau berminat, kita boleh arrange time untuk berjumpa berkenaan Unit Trust Consultant (UTC) / agen. Saya berada di Klang Valley dan Ipoh.

Boleh dihunbungi melalui :

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Irwan

Yo bro, r u an agent? Given the overwhelming responses to yr …. what u call it blog?, you might as well become an agent. You seem to have good grasp of financial planning. Just an idea.

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Hi Irwan,

I’m ‘blind’ with all the investment bla.bla… so it’s good to share all the info and i’ll think bout get involve in it.
Just want to have a clear picture,If we invest for the beginning 10k, should we top up every month(compulsary) or depends on the advise from the agent?

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