Libra Invest's unit trust performance AUGUST 2014

Libra Invest Mutual Fund Performances


 

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
Libra DividendEXTRA Fund	13.65	0.03	1.56	4.4	12.92	13.74	14.84	12.74
Libra EquityEXTRA Fund	11.61	0.39	0.61	4.28	11.72	10.66	16.42	12.62
Libra TacticalEXTRA Fund	13.54	0.35	1.3	4.72	10.99	10.36	13.05	10.6
Libra Consumer and Leisure Asia Fund	13.93	0.88	1.99	6.44	13.98	13.9	14.24	9.05
Libra Amanah Saham Wanita	8.68	0	-0.25	2.78	10.23	9.95	13.38	8.39
Libra SyariahEXTRA Fund	6.29	0.04	0.07	2.66	7.15	7.51	10.35	7.2
Libra VersatileEXTRA Fund	6.17	0.16	1.18	3.84	6.31	9.22	11.55	6.98

  Libra Invest Berhad ("LIB"), a member of the ECM Libra Group, is a fund management company licensed under the Capital Market and Service Act, 2007. LIB manages about RM2.4 billion of assets, as at 31 March 2013, on behalf of High Net Worth Individuals, Corporations and Institutional clients.

LIB currently has 13 unit trust funds, 7 wholesale funds, as well as a portfolio of privately managed funds.

LIB was incorporated on 27 September 1995. Its authorised capital and paid-up capital are RM10 million and RM6.5 million, respectively. 

If you decide to invest in a mutual fund, you will be faced with a slight challenge

There are many benefits to consider when dealing with mutual funds. One major benefit is that mutual funds cost less. Unlike many single stocks, you do not have to have a lot of capital to purchase mutual funds and you can invest small amounts of money at any time with no additional trading costs. This makes mutual funds an excellent alternative to the low interest savings accounts found at local banks. Another benefit to consider is the face that mutual funs are very liquid. If you ever need to access your money invested in a mutual fund, it is very easy to do so.

If you decide to invest in a mutual fund, you will be faced with a slight challenge; "which mutual fund do I choose?" There are over 10,000 mutual funds available at any time, so choosing which one to invest in can be an overwhelming decision. A great way to start is by researching different funds' past performance records and future goals. Along with this you should also consider what fees the mutual fund charges, it is usually a good idea to go with a fund that offers a low expense ratio and to avoid funds with additional sales charges.

Another key factor in choosing a mutual fund is RISK. If a fund shows a rocky past of instability, you should think twice before investing your hard earned cash into it. Also, always check with the US Securities and Exchange Commission (SEC) to make sure the company is legitimate and holds a good upstanding reputation.

MIDF Amanah Asset Management's best perform unit trust funds last three years

 

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)	3 yr(%)
MIDF Amanah Strategic Fund	22.8	-0.69	5.8	9.42	19.4	27.04	13.81	2.23	9.42
MIDF Amanah Dynamic Fund	16.71	-0.59	1.04	7.04	18.39	21.02	5.54	-3.02	7.04
MIDF Amanah Islamic Fund	6.23	-0.45	0.09	1.84	7.75	12.49	1.21	-5.26	1.84
MIDF Amanah Growth Fund	2.07	-0.3	0.22	1.26	5.03	6.03	-1.97	-7.45	1.26

  MIDF Amanah Asset Management Berhad (MIDF Amanah) began its operation in 1992, a fund management company licensed by the Securities Commission of Malaysia. MIDF Amanah Asset Management Berhad wholly-owned by Permodalan Nasional. (PNB), one of the largest mutual fund managers and investment trusts in Malaysia. MIDF Amanah is headed by En. Azlan Bin Hussin as both the Chief Executive Officer and Chief Investment Officer.

The current management has vast experience in managing both institutional and retail investments including Corporate and Institutional Funds, Retirement Funds, State and Government Funds and Unit Trusts Funds.
 

Good mutual funds are not expensive

Good unit trust and mutual funds are not expensive, and you do not get what you pay for when you pay for high charges and fees. In fact, these extra costs drain money from your account and work against you. The net result is a lower return on investment. I don't call that investor friendly. When there's a high cost if investing, that's not where to invest your money.

Now, once you've opened an account with one of the friendly companies you could be facing a list of more than 100 choices to choose from. Now the question of where to invest gets more specific. How do you find good mutual funds to invest in? The general categories are stock (equity), bond, money market, and balanced funds (the latter being a combination of the other three). What you need to understand is that even good mutual funds in the stock category might lose money in 2014 and/or 2015. If the stock market falls, these funds in general will not be good investments. Also, if interest rates climb, bond funds will not be good investments. More than anything else, the markets determine whether or not investors make or lose money. On the other hand, good mutual funds tend to outperform the rest over the long term.

With today's record low interest rates money market funds don't look like good investments because they pay almost nothing in interest. But, that's where to invest money you want to keep safe. If rates go up, money market rates will follow. Balanced funds will be losers if stocks and/or bonds take a big hit. Don't get depressed. Invest in 2014 and 2015 with your eyes open.

Going into the year 2014, stock funds were very good investments for five years straight; and bonds funds were good mutual funds to invest in for over 30 years. In 2014 and beyond things could get rough. Focus on strategy more than picking good investments in each fund category. Have some cash in a money market fund awaiting future opportunities when the dust settles. Spread your money across all four fund categories, because no one really knows where to invest in times of uncertainty.

Manulife Unit Trusts's Funds Performance for last 2 years as of 1st August 2014

 

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)
Manulife Equity Plus Fund	8.56	0.27	0.86	3.26	9.18	11.5	13.42
Manulife Investment - India Equity Fund	24.23	-0.04	1.36	15.64	28.01	32.34	17.78
Manulife Bond Plus Fund	2.52	0.11	0.49	1.2	2.3	3.07	2.84
Manulife Investment - China Value Fund	0.45	0.45	3.58	7.11	3	13.61	16.7
Manulife PRS - Conservative Fund	3.84	-0.1	0.43	0.81	3.5	2.75	-
Manulife PRS - Growth Fund	5.47	0.16	0.42	1.9	5.9	7.16	-
Manulife PRS - Moderate Fund	4.27	0.11	0.3	1.54	4.53	5.45	-
Manulife Shariah PRS - Conservative Fund	0.48	0.08	0.5	0.62	0.76	0.22	-
Manulife Shariah PRS - Growth Fund	9.08	0.18	0.5	3.4	8.09	11.98	-
Manulife Shariah PRS - Moderate Fund	4.83	0.15	0.48	2.85	6.33	8.86	-
Manulife Investment - Global Resources Fund	6.99	-0.14	0.58	3.01	5.15	10.11	4.66

  Manulife Unit Trusts Berhad (MUTB) is a wholly owned subsidiary of Manulife Holdings Berhad, is a member of Canada-based Manulife Financial Corporation. MUTB is a company licensed by the Securities Commission of Malaysia and started its operations with the launch of the its first five funds; Manulife Malaysia Equity Fund, Manulife Malaysia Bond Fund, Manulife Investment- Global Resources Fund, Manulife Investment-China Value Fund, Manulife Investment-India Equity Fund.

According to published figures Unit Trusts investments has out-performed Property as an investment vehicle.
Safety and access to your money also plays a big role! How safe is your property investment? How much are you paying in property taxes per year? You can sell your property if you urgently need money. However, if this time period is not going to be favourable, then how quickly can you re-finance property to get money? If you can't afford your Bond re-payment then you will have to sell your property in-time and perhaps at a loss.

PMB Investment fund performance

PMB Investment was incorporated on 15 January 1993 as ASM MARA Unit Trust Management Berhad. It assumed the unit trust operations from the then Amanah Saham MARA and its related staff. This was done following the requirement that unit trust funds are to be managed by a unit trust management company.

ASM MARA Unit Trust then changed its name to ASM Investment Services on 9 October 2006 and took over the fund management operations of ASM Asset Management Sdn Bhd. This is to streamline the unit trusts and portfolio management activities of the group. ASM Asset Management was incorporated on 16 December 1996 and was then another wholly-owned subsidiary of the then Amanah Saham MARA.



 

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
PMB Shariah Aggressive Fund	9.52	0.35	3.87	7.33	13.49	7.69	21.24	24.98
PMB Shariah Index Fund	1.7	0.15	-0.11	2.16	5.41	7.69	8.76	7.96
PMB Shariah Premier Fund	-1.31	0.44	0.88	1.68	3.85	2.58	6.41	7.22
PMB Dana Al-Aiman	0.58	0.17	0	1.6	4.14	3.58	5.6	5.57
PMB Shariah Dividend Fund	9.67	1.02	4.78	6.68	12.24	11.33	6.82	5.13
PMB Dana Mutiara	0.82	-0.02	0.21	2.1	4.69	4.27	7	4.78
PMB Dana Bestari	1.28	0.28	0.32	2.18	4.55	6.26	6.97	4.57
PMB Shariah Balanced Fund	3.07	0.14	0.83	3.19	4.83	7.18	6.78	4.34
PMB Shariah Mid-Cap Fund	0.57	0.09	1.4	1.91	4.55	4.89	4.77	3.44

   

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TOP 14 malaysia unit trust average return for last 2 years as of 30/7/2014

Top 14 Best Performing Unit Trust Funds

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
Eastspring Investments Small-Cap Fund	30.04	0.95	4.33	6.29	26.02	48.18	46.9	28.04
Eastspring Investments MY Focus Fund	22.18	0.66	2.77	4.41	20.04	42.15	36.18	23.68
KAF Vision Fund	21.29	1.92	5.95	8.34	20.24	24.51	30.74	20.32
RHB-OSK Small Cap Opportunity Unit Trust	21.46	2.13	5.79	6.99	20.17	29.82	28.26	22.13
AmSchroder European Equity Alpha	-1.77	0.21	-2.9	-3.79	-3.6	14.97	25.89	9.5
Kenanga Growth Fund	18.09	1.19	4.17	8.48	17.88	28.03	25.12	20.55
PMB Shariah Aggressive Fund	9.26	-0.13	3.76	6.7	13.23	21.1	25.07	20.01
RHB-OSK Emerging Opportunity Unit Trust	16.81	0.95	2.92	5.2	18.4	17.8	24.84	22.23
Hwang Select Asia (Ex Japan) Quantum Fund	14.57	1.18	3.95	9.29	15.42	11.54	24.46	19.66
RHB-OSK Malaysia DIVA Fund	7.82	-0.06	1.53	3.98	10.38	14.25	23.83	17.77
TA European Equity Fund	1.08	0.42	-2.17	-3.29	-0.35	16.37	22.6	9.43
RHB-OSK US Focus Equity Fund	6.05	0.08	0	3.94	5.89	14.92	21.86	11.79
Areca Equity Trust Fund	17.36	1.47	3.71	8.28	16.12	22.91	21.77	16.4
AMB Ethical Trust Fund	13.89	-0.68	1.24	5.55	14.41	21.48	21.7	16.47

1. The stock market, especially Bursa Malaysia, is far from efficient.
2. The fund managers in Malaysia are better than those from the US as research has shown that US fund managers under-perform the broad market as a whole. But it could also be due to the inefficiency of KLSE that enable them to out-perform.
3. The performance of the good fund manager are pretty consistent too. For example, Philip Capital Master Growth Fund is the No. 1 for the 1-year return of 28.5%. It also did pretty well for the 3-year and 5-year return of 18.4% and 20% respectively. Similar consistency is shown by the top fund for the 3-year, Kenanga Growth Fund at 22%, and MAAKL-HDBS Flexi fund for the 5-year as shown in Table 2 below.