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The basic feature of unit trust investment is a form of collective investment that allows investors with similar investment objectives to pool their saving, and invested in a portfolio of securities managed by investment professional.

We can classify 5 mains categories of unit trust funds in Malaysia:

1)Equity fund: The major portions of equity fund portfolios are shares of listed companies. It’s available in the market with higher risk-higher return to those with lower risk-lower returns:

·Aggressive growth fund – generally invests in companies with higher capital growth, but with higher risk.
·Index fund- normally the return will closely resemble the performance of the stock market index, both in Continue reading ‘Types of Unit Trust Funds in Malaysia’ »

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Experienced mutual fund salesmen concentrate their sales pitch on doctors, dentists, pilots, other professionals and other self-employed. These are the traditional soft touches for a stock investment. (For what ever reason, doctors always seem to get into the worst business deals and I might add – pilots as well.). Years ago one of the most appealing angles of the professional-directed mutual fund story was the extra advantage of getting into one of the group insurance policies the funds offer.

This was especially intriguing to the individual who has thus far failed to benefit from this excellent form of cheap insurance. What you must watch out for, however, is this: Not all “group insurance” is alike. Always insist on a sample policy. Read it and see what you’re getting. Always become educated on any investment. Continue reading ‘Are You a Target of Mutual Fund Salesmen?’ »

The Conservative party believe that poorer families are not benefiting from the child trust fund. The have said the majority of children who will benefit from the Labour introduced scheme will be those from wealthier families. This is based on statistics stating that 82% of parents who live in the richest ten areas of the UK have set up CTF accounts for their children, but fewer than 70% of those residing in the poorest ten areas have.

What are the reasons for this? It theory it is they who should be more keen to take advantage of the scheme as they could do with more government assistance. The Tories claim that many are unaware of the existence of the scheme, therefore suggesting that the government has done a poor job of publicizing it and educating people to its benefits. Continue reading ‘Poorer Families Not Benefiting From Child Trust Fund’ »

With the economy going through questionable times, everyone is searching for the best place to save and invest. When the market gets volatile, investors want to research their options. I am opposed to jumping ship too soon, but I still encourage educated decisions.

Clients have been asking for more information on exchange-traded funds. Exchange-traded funds (or ETFs) are still relatively new investment products. They were first introduced in 1993, but have been gaining in popularity ever since.

What is an ETF?

The best way to describe an ETF is a mutual fund that trades on the stock market. An ETF owns many different stocks and attempts to mirror an index, such as the S&P 500. There are many different companies and indexes available, so owning ETFs will not impact your ability to properly diversify. There are also ETFs available for fixed income classes, or bonds. Continue reading ‘What Are Exchange-Traded Funds?’ »

Balanced funds are not created equally. The reason for this is simple; no two people really want the same thing. This makes sense. Some investors want active management in terms of picking the right assets because they do not have the time or know-how to pick those stocks for themselves. Other investors know that security picking is not always a winning strategy and as a result want their mutual fund manager to adopt a more of a buy-and-hold strategy and to manage their portfolio in a way that they are never over-exposed to any given asset class at any time.

Strategic Balanced Funds

As the name implies, strategic balanced funds take a strategic approach to managing their assets. In plain English this simply means that investment managers will determine their strategy up front and will stick to it throughout the investment process. Continue reading ‘Difference Between Tactical and Strategic Asset Allocation’ »

The top mutual funds are funds from mutual funds companies that are investor friendly. These top mutual funds are actually easy to find, and are probably the best investment for most people. Here’s how to find funds that work for you and give you a performance advantage year after year.

The top mutual funds offer you an investment advantage year after year and they can prove it. These are your best investment if, like most people, you need help managing your investment assets. I call them investor friendly simply because they do not charge you an arm and a leg when you invest money with them; plus they offer good service and a broad array of investment options. Continue reading ‘The Top Mutual Funds & Your Best Investment’ »

One of the most common amateur techniques for stock picking involves standing around the water cooler (or online message boards) and picking up on cues given by people who know someone who know someone else who knows yet another person who said this or that and, get this, Stock XYZ is where you want to be. In some cases, these tips work out to the advantage of all those who risked their grocery money or mortgage payments. In many more cases, however, those types of tips do not work out.

See, investing is a lot like the game of poker. While skill and knowledge are clearly valuable, there is always an element of luck. Even the greatest companies with the greatest results can see their stock price plummet… based simply on an outlook that was moderately lower than what investors had hoped for. Continue reading ‘Rogue Mutual Fund Investing’ »

There’s no guarantee that your pension and social security checks will be able to sustain your retirement. If you’re looking for an excellent way to invest for the future, then you should certainly consider mutual funds. Here are some of their main benefits:

1. Diversity.

One of the rules of thumb when investing is to invest using diversification. With mutual funds, you have the option of buying stocks in different sectors, without needing a separate portfolio for each one. In particular, you should look for mutual funds that include multiple sectors and industries. This will give you the best chance to maximize your profits.

2. Divisibility.

If you’re like many investors, then you may not have the precise amount of money required to buy round amounts of stocks. Well, the good news is that with mutual funds, you can acquire them in smaller denominations than usual. This means that you won’t have to wait forever until you buy investments with higher price tags. In fact, you’ll be able to buy them immediately! Continue reading ‘The Benefits of Mutual-Funds’ »