tag:blogger.com,1999:blog-6880327706296599012.post2709627727617778692..comments2023-09-15T19:45:05.065+08:00Comments on Money Magnet: 5 Reasons Why I Invested My EPF@KWSP savings in unit trustMichellehttp://www.blogger.com/profile/07026247604231579141noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-6880327706296599012.post-18772300760415164692011-01-05T12:51:59.147+08:002011-01-05T12:51:59.147+08:00Hi Ariza, yes, we must always be aware of our inve...Hi Ariza, yes, we must always be aware of our investment. Yes, currently, I have 2 funds with return rate more than 10% :)Michellehttps://www.blogger.com/profile/07026247604231579141noreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-6884899704677887002010-12-22T22:47:36.556+08:002010-12-22T22:47:36.556+08:00I like to take control of my money but beware abou...I like to take control of my money but beware about mutual fund. It seem what happens in US is repeating here as well. Only handful of fund is beating EPF on the long run. Any of your trust fund giving CAGR of above 10%?arizahttp://freeeasylife.blogspot.comnoreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-20036225253754819432010-11-24T22:30:26.542+08:002010-11-24T22:30:26.542+08:00Hi Vivien, wow.. thanks for the calculations! My l...Hi Vivien, wow.. thanks for the calculations! My long term is more than 5 years :) I don't think our goverment will further lower the sales charges for EPF investment... but, we hope for that k!Michellehttps://www.blogger.com/profile/07026247604231579141noreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-46678782566162904392010-11-24T11:49:30.573+08:002010-11-24T11:49:30.573+08:005.65% EPF dividen + 3% sales charge = 8.65%, u hv ...5.65% EPF dividen + 3% sales charge = 8.65%, u hv to make sure that your ut investment can beat this % in 1st year , but if for long term (normally ut talking about 3 to 5 years investment)3% divide by 5years = 0.6%, 5.65%+0.6%=6.25%.... if the fund is perform, 6.25% can easily get...we can not touch the $ in epf until age 55, y not take out for long term investment? btw, gov. should lower down the 3% sales charge for epf investment.... from vivienAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-61652726840023972142010-11-19T16:49:07.155+08:002010-11-19T16:49:07.155+08:00Hi Kris, thanks for your comment.You meant ETF or ...Hi Kris, thanks for your comment.You meant ETF or EPF?Michellehttps://www.blogger.com/profile/07026247604231579141noreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-84589709412945941842010-11-18T23:21:50.765+08:002010-11-18T23:21:50.765+08:00People say that we cannot time the market. However...People say that we cannot time the market. However for mutual fund: There are 2 ways to do this<br /><br />1. Wait for the market to crash to buy.<br />2. Dollar cost averaging.<br /><br />Mutual funds are considered "expensive" because of the management fees and the loading fees compared to stocks. But the risks are lower. <br /><br />Less popular in Msia is the use of ETF, which has low entry fee and consists of a basket of stocks. Thus, diversification is ensure.Krishttps://www.blogger.com/profile/01618400061723721064noreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-80700332800827089142010-11-17T21:54:57.837+08:002010-11-17T21:54:57.837+08:00Hi Vince, for the management charges and any other...Hi Vince, for the management charges and any other charges (if any), you can refer to the annual report and statement of the fund manager for that particular fund. Investors should received their annual report and statement either by hardcopy, CD or e-reports. You'll see all the calculations, details and activities of that particular fund in the report.Michellehttps://www.blogger.com/profile/07026247604231579141noreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-63651041007124365712010-11-17T21:08:50.094+08:002010-11-17T21:08:50.094+08:00Wah..雷門, sounds like all negative :P But, I am pre...Wah..雷門, sounds like all negative :P But, I am prepared to take the risk for my unit trust investment from my EPF savings. It's a long term investment. For the management charges, I dont mind because the unit trust companies have to employ a group of people to make more money from my money. For the Free Takaful Coverage, I have heard of the claims from investors. Anyway, thanks for your comments. We all should think twice before do any kind of investment :)Michellehttps://www.blogger.com/profile/07026247604231579141noreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-89713616562207717352010-11-17T08:55:48.629+08:002010-11-17T08:55:48.629+08:00Hi,
How and when 'they' deduct the yearl...Hi, <br /><br />How and when 'they' deduct the yearly service charge from the unit trust investment?<br /><br />Rgrds<br />Vincentvincehttps://www.blogger.com/profile/11676485162875470878noreply@blogger.comtag:blogger.com,1999:blog-6880327706296599012.post-78662168569784748062010-11-16T15:43:41.274+08:002010-11-16T15:43:41.274+08:001) Higher return of investment
- This is depend on...1) Higher return of investment<br />- This is depend on the entry point. If you withdraw money from KWSP to invest equity fund, now most of approved equity funds are reach year high. If there is 'crash' at peak, you might not able to get "just 5.65% dividend". Withdraw to invest while equity funds reach 'bottom'.<br /><br />2) Lower sales charge<br />- KWSP encourages members to invest their retirement money, but there still having management charge annually, "1.5% per annum of the NAV"<br /><br />3) Take control of my own EPF@KWSP savings<br />- You still out of control of your money. It seems your withdraw your money from one pool (KWSP) to another 'approved' pool. 'Approved' is another mean of 'Controlled'.<br /><br />4) It's not the money from my own pocket<br />- Anyway, it is still your money unless you won't feel sad while you lost it.<br /><br />5) Free Takaful Coverage<br />- It is included under Management Fees. But I never hear anyone claim from this.<br /><br />Please think twice if you want to act now.雷門https://www.blogger.com/profile/15103745470925482286noreply@blogger.com