Risks? What Should I Do?

What about RISK? Am I able to accept the risk? In investment, before you accept the expected return, you MUST ACCEPT the risk involves first. In any investment, there are risks involves without no doubt. In fact, the highest return you can get is from an investment vehicle that comes with highest risk. That’s the rules. Those who have gained loss in Unit Trust Investment usually (a)have not chose the suitable fund as his/her investment vehicle that suits his personal goals OR (b)invest in short term period especially less than 3 years period OR (c)panic during economic crisis/while unit price (NAV) drop and sold all of his/her available units while the unit price (NAV) low.  These are the THREE MAJOR FACTORS that cause unnecessary loss and you should try your best to understand these before you decide to invest & to always remember it after you’ve made your initial investment.

You should know that you could directly go to any Investment Company office & join the investment directly but you might have to make decision by yourself. It is important to have your own Unit Trust Consultant (UTC) / Perunding Unit Amanah or people always call it as Investment Agent, so that you could obtain advises before you make decision & while in the process. By investing with the help of UTC, he/she will be able to assist you in providing all the important information or showing you where to refer/obtain information. You could also get help from your UTC to check your fund performance & make certain investment analysis based on your requirements whenever required. Make a safe investment today with the help of UTC & I suggest you to seek for UTC advises before the decision making process takes place in regards to any transaction (including Initial Investment, Additional Investment, Fund Switching, Repurchase/Withdrawal/Unit Selling). Invest safely!

Jas, Unit Trust Consultant, Public Mutual Berhad

(wholly-owned subsidiary of Public Bank Berhad)

T: +6017-7055381

E: jas.elegant@gmail.com

FB: >> www.facebook.com/investment.unittrust # Follow me on Facebook !

Profit Percentage % Unit Trust Investment

If I am an investor, I am definitely interested to know the ‘Profit Percentage’ that I will get. It is not that simple. You can check the unit price (NAV) & fund performance chart online, but there are other factors that influence the whole thing too. For recommended equity funds that has outperformed in the past & still do now, there are fees involved around 5.5% one-time service charge, 1.5% annual management fee & additional of 0.06% annual trustee fee (trustee fee is for investment of RM 18k & above only). How do I know for sure then, what my profit would be?

Based on my current research in January 2016, the fund that I did highly recommended (& will still do the same) to my clients had shown the annual nett profit of minimum 13% ! (proven track record shows the ability of the fund) With condition that investor understands that Minimum Investment Period required is 10 years, to ensure maximization of profit & goals achievement. If you are interested to invest in unit trust of Public Mutual, may I suggest for you to consider 10 years for your minimum investment period so that you would have less stress & give it more time to grow to gain maximum return.

Yes, you may WITHDRAW or SELL YOUR UNITS at anytime you want & have it banked-in to your account within 10 working days. Remember, join this investment only if your goal is for long term investment more than 5 years (I suggest at least 10 years) usually for Retirement Plan, Child Education Plan, Early Retirement Plan & Business Plan. If you’re creative enough & want to move forward progressively, you might also use this investment vehicle for your Holiday Plan as well as Health Expenses Plan! By choosing long term period for your investment in the beginning stage, you’ll be surprised & I strongly believe you will gain more benefits than what you’ve expected earlier. At many times, to be happy is to EXPECT LESS. That doesn’t mean you will get less. It just means you are giving yourself more rooms of positive thoughts but have acted in advance as a wisest man in the world.

Jas, Unit Trust Consultant, Public Mutual Berhad

(wholly-owned subsidiary of Public Bank Berhad)

T: +6017-7055381

E: jas.elegant@gmail.com

FB: >> www.facebook.com/investment.unittrust # Follow me on Facebook !

GLAD. Just Met My Investors From KUALA LUMPUR & PENANG. :)

Feel relieved. Just finished my 1 week trip to Kuala Lumpur & Penang . . . Glad that i've got the chance meeting my existing & new investors from the area. It is always good to travel & see new areas, even re-visit would do good. It will at least add new colours to our eyes and expand our knowledge about the areas or the people we meet. During the meeting, lots of Questions & Topics has been raised up such as:

➳ How is the profit percentage calculated?

➳ Is unit trust investment subject to tax?

➳ Why the minimum investment period recommended is 3 years?

➳ Can I withdraw my investment if less than 3 years and make new investment again later?

➳ What is the difference if I make one time EPF investment or if I continue to top up the investment every 3 months once?

➳ Why you did suggest high risk fund for my investment?

➳  Can I gain loss through this unit trust investment?

➳ Tell me why this unit trust investment is good for my retirement plan.

It's good to know that people I've met have high curiosity level. :) It is very important to ask questions as a sign that you've made an effort to increase knowledge, so that you would have CONFIDENCE and know that you'll make the right decision.

Quite long answers available for all that. I will share on my opinions about it soonest. Do check out for the new posts soon ! Feel free to contact me directly too via email or mobile. See you around !

Jas, Unit Trust Consultant, Public Mutual Berhad

(wholly-owned subsidiary of Public Bank Berhad)

T: +6017-7055381

E: jas.elegant@gmail.com

FB: >> www.facebook.com/investment.unittrust # Follow me on Facebook !