Launching a new fund, Public Indonesia Select Fund (PINDOSF) on 1 September 2010. The fund invests in a diversified portfolio of blue chips, index stocks and growth stocks primarily in the Indonesian market, with up to 30% of its net asset value (NAV) invested in the Malaysian and other global markets.
Indonesia, which has the largest economy in South East Asia, is poised to be one of the fastest growing economies in Asia after China and India. Supported by the fourth largest population in the world and rich in resources, the Indonesian market offers good long-term capital growth opportunities, she said.
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Keadaan pasaran saham sedang meningkat, adakah ini peluang pelaburan yang terbaik utuk pelabur mula menambah pelaburan?
Angin pelaburan sekarang sedang meningkat, namun banyak berita yang menyenangkan dan yang tidak beberapa menyenangkan sedang dan akan turut berkembang.
Bagi seorang pelabur perlu mengambil peluang ini dan kita tidak tahu sejauh mana indek petunjuk pasaran saham yang terendah buat masa kini. Ianya akan terus naik dan naik.. dan adakah kita akan terlepas peluang lagi setelah mengamalkan sikap tunggu dan lihat.?
Tindakan yang betul bagi seorang pelabur dalam unit saham amanah adalah melihat peruntukan aset atau sektor pelaburan. Kita perlu imbangkan sektor bond, equiti dan saham berimbang kita pada tahap yang maksimum.
Jika indek pasaran saham sedang meningkat, adakah perlu kita menjual sebahagian atau memindahkah sebahagian kepada equiti yang lebih berpontensi untuk meningkat.
Untuk pelabur unit amanah, teruskan pelaburan anda dalam keadaan pasaran meningkat atau pun menurun. Inilah dikatakan objektif utama anda untuk pelaburan jangka masa panjang.
The income earned through these investments and the capital appreciation realized by the scheme, after deducting the trading costs and expenses of managing and administering the fund are paid out to the unit holders in proportion to the number of units owned by them.
Most of the unit trust funds in Malaysia are open-ended funds (the fund sells as many units as you and other investors want to buy and buys as many units you want to sell). This makes unit trust funds very liquid investments – though the price at which you sell may be less than your purchase price if the value of the fund has dropped.
You can make an initial investment with as little as RM1,000 and buy additional units when you have more money or invest a fixed amount on a regular monthly schedule via a bank account. Thus unit trust is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed portfolio.
Each Fund has a defined investment objective and strategy.
As part of a diversified investment portfolio, they offer a safety net in times of a bear market. Bonds also appeal to those who require a regular income from their investments.
Unfortunately, while online stock brokers have made stock investing child’s play over the last 10 years, bond investing has been slow to catch up. In fact, on many online broker sites, online bond platforms don’t even exist. That’s made the world of individual bond investing pretty murky.
You know that a certain percentage of your portfolio should be allocated to bonds (say 40% if you’re in your 40s), but you’ve probably relied on bond mutual funds to do that. And that’s not a bad thing: Bond mutual funds let you own bonds from hundreds of companies with only a small investment.
They also have professional managers who can do research into bond investments for you. But bond funds also have one, significant disadvantage to owning individual bonds.
When you buy a bond, you know: exactly what your interest payments will be, when you’ll get them, and when you’ll get your initial investment back as long as the company doesn’t default.
The prices of bond funds, on the other hand, move up and down just like any other mutual fund. If you need your money on a specific date, you’ll have no idea what your mutual fund will be worth. That can make investing in individual bonds preferable for people who need a specific amount of money at a specific time.
For example, you might need to make a $40,000 tuition payment for your college-bound 16-year old in exactly two years. Invest $40,000 in two-year individual bonds, and you’ll have that money back when you need it (as long as the company doesn’t go bankrupt).
But invest it in a bond mutual fund, and who knows what it’ll be worth when it’s time to withdraw? Although bond funds typically don’t go down by large percentages, 2008 taught us that that isn’t always the case.
If you are saving for a time-sensitive goal (or need a stream of retirement income) and think you might be a candidate for investing in individual bonds, here’s a primer on how they work.
* Change in management. We spend a lot of words talking about how important the fund manager is, so make sure the manager you've chosen is still there. A change is inevitable at some point, of course, and it shouldn't necessarily be a signal to sell. You need to be aware, however, of who is handling your money.
* Change in fees. This is another key element to watch. Mutual funds are not required to keep fees at the level at which you originally signed up. Your job as a fund shareholder is to make sure that your returns don't suffer from "fee creep."
* Change in style. If a fund renowned for buying slow-growth, high-dividend blue chips starts buying the latest wireless optical serving router start-up that just hit the market, sit up and take notice. Keep an eye on your fund's holdings to make sure that they conform to what you think you bought -- and to the label that the fund managers assigned it.
* A change in turnover. Keep a close eye on the turnover rate of any fund you own. If you want to or have to own mutual funds, look for funds with lower-than-average turnover rates -- preferably no higher than 50% and hopefully much lower. For comparison, index fund turnover can be around 5% or lower.
* Change in performance. This is a tricky one. Occasional, or even somewhat frequent, underperformance is not unusual or unexpected for a good fund. Don't bail on your funds just because they have a bad quarter, year, or even two years. Do track performance, though. If you start seeing poor five-year returns, then it may be time to start looking elsewhere.
When you see a fund make significant changes in any of these areas, it's time to reassess your holding. That doesn't mean that you sell automatically -- some changes are for the better, or at least aren't bad enough to suffer the ill effects of selling.
Each of these investments carries a different level of risk, but also different levels of potential return.
If you are primarily invested in cash or bonds, then stockmarket wobbles may be of little consequence. If, however, the majority of your portfolio is invested in equity funds, then any stockmarket volatility may impact the short¬term performance of your holdings.
The important factor to consider is whether your investments are aligned with your risk tolerance, your time horizon, and your individual goals.
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