Q : Can Unit Trust performance beat the KLCI performance ?

A : 3 Possibilities unit trust can beat the KLCI Performance…..

Firstly, it depending on the asset classes. Since KLCI consist of local based assets, its is depending on the asset class is required in the Unit Trust Fund portfolio such as commodities or foreign stocks to outperform the KLCI. Also another way is to invest in an actively managed UT Fud. The third situation is whereby the UT Fund consists of instruments without correlation to the KLCI.

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Q : I would like to set up a regular, hassle free Unit Trust Investment plan. What are my options ?

A : Setting up a regular unit trust investment plan

Committing to investing regularly is an excellent way to build your funds be it for a mid-term goal, to build wealth or retirement. Consistent investing habits will allow you to enjoy the benefits of cost averaging and compounding returns over time.

Here are 3 ways you can go about setting up a regular unit trust investment plan:-

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Q : I am 47 Years old and have invested in unit trust recently. It is to late to invest at my age and sholud i continue to invest until my retirement age.

A : Investing at different lifestages…

Investors go through different life stages in which, their needs, lifestyle requirements change and so willtheir investment portfolio. It is never to late to invest but it is wise to understand and determine your needs before putting your money into anything.

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Q : My Children are aged 1 and 3 and i would like to send them overseas for terteiary education. If i have RM50,000 as savings now, how should i go about investing in the different unit trust funds to ensure good returns and capital appreciation in 15 years from now.

A : Power of compaunding interest

Early planners always have the advantage of leveraging on the power of compunding earnings over time. Investing early will allow you to spread your capital outlay over the next 15 years and recoup any losses in the meantime. The few things you will need to determine before choosing your investment vehicle and commitment level will be the future value of their education. This will hepl you determine your targeted returns based on the time and your risk appetite.

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Q : I have heard about local and global funds. Who decided on the portions of asset allocation of a fund? What are the additioanl risks involved in investing in global funds where i have no acces to market information.

A : The difference between Local and Global Funds.

The difference in such funds mainly in the geographies/countries it invest in, the classification on fund types i.e. whatever it is skewed towards growth, income or balanced-type fund and type of investments. The investments allocation of these funds will then be guided by these criteria, the fund manager’s invesment process and philosophy as well as the market enviroment.

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