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.

PACIFIC MUTUAL FUND BHD's Fund performance for last 3 years

More than 47,000 account holders have entrusted their investments with Pacific Mutual, which currently manages a total of 28 Funds, which include 15 Funds with foreign investment mandates.

From its roots of strong fund management expertise, Pacific Mutual has built up a tradition of applying full investment resources to ensure maximal returns on investors’ funds while compressing risks. Its reputation stems from a stringent compliance culture, fair business conduct, prudent risk management and quality service orientation which always place investors’ interests at the heart of all business and operational decisions.

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
Pacific Dana Dividen	5.97	0.26	1.08	1.42	8.14	10.47	8.82	4.72
Pacific Focus18 Fund	5.68	1.79	4.99	3.06	6.19	12.15	10.6	2.93
Pacific Focus China Fund	4.15	2.12	5.63	7.64	6.02	15.43	13.91	4.34
Pacific Select Balance Fund	4.1	0.02	0.82	1.68	4.86	6.28	9.11	7.24
Pacific Select Income Fund	1.96	0.14	0.43	0.81	2.3	2.68	3.56	3.13
Pacific Global Agriculture	1.1	0.87	2.85	0.74	2.06	6.96	3.62	-2.78
Pacific Dana Murni	1.6	0.09	0.38	0.84	1.56	2.38	2.58	3.05
Pacific Cash Fund	1.7	0.06	0.27	0.76	1.51	2.94	2.94	2.97
Pacific Asia Brands Fund	-0.58	0.9	1.83	0.05	1.12	5.92	9.27	1.07
Pacific Global Stars Fund	-0.07	0.37	0.66	-0.92	0.69	6.91	5.98	1.71

as "investment advisers" that they must register with the SEC.

How can the investors earn money from mutual fund?
Investors can earn money from mutual fund investment in three ways:

1.Increased NAV

NAV (Net Asset Value) the value of the funds assets minus its liabilities.

NAV = (Funds Assets - Funds Liabilities)/ number of outstanding shares

SEC rules require funds to calculate the NAV at least once daily. So If the market value of a fund's portfolio increases after deduction of expenses and liabilities, then the value (NAV) of the fund and its shares increases. The higher NAV reflects the higher value of your investment. When you sell your share back to the fund you can profit from capital gain of share.

2.Capital Gains Distributions. At the end of the year, most funds distribute these capital gains (minus any capital losses) to investors.

3.Dividend Payments. Like a company, the fund may earn income from dividends and interest on the securities in its portfolio. The fund then pays its shareholders nearly all of the income (minus disclosed expenses) it has earned in the form of dividends to the investors.

This depends on the fund policy that they state in Prospectus of the Fund. Not all fund pay dividend to investors, so you need to read the prospectus clearly.

If the mutual fund has no policy to pay dividend, they use the dividend to reinvest in their portfolio, result to fund growth and increasing of NAV and Capital Gains that the investor can earn from the fund instead of dividend.

The three parties with a role in the Deed

The Unit Trust Management Company
The unit trust management company reports to the trustee about the purchase, sale and management of investments in the unit trust scheme. They also promote and sell units of the scheme to investors (also known as "unit holders"), and buy back units from investors who wish to sell back the units. The management company keeps a record in order to calculate the selling and buying prices and to determine the amount of distribution payable to the investors.
Trustee
The trustee is responsible to the unit holders to safeguard their investment, and to ensure that the money is invested according to the terms of the deed. They supervise the operations to ensure that the objectives are followed by the unit trust management company. The trustees also approve and monitor all financial transactions, they hold title documents of all the assets of the unit trust scheme, and they collect all income entitled on the investments.
Unit Holders
The Unit Holders, also called investors, supply the capital to be invested by the Unit Trust Management Company on their behalf. They are responsible for paying a fee to the management company and the trustee. Unit holders hold units, the value of which is determined by a formula set out in the deed. It is based on dividing the market value of the net assets of the scheme by the number of units in circulation. Unit holders buy units in the scheme by completing the application form contained in the Unit Trust Scheme prospectus.
Deed
The deed is the document that shows the rights and obligations of the Unit Trust Management Company, the rights and duties of the Trustee, and the rights of the Unit Holders. It mentions the maximum fee payable, describe the type of investment that particular scheme can make, prescribe how the value of a unit in the scheme can be determined, and determine how the price of a unit sold to unit holders and thereafter bought from them can be calculated. The deed also outline what steps should be taken should there be a need to make changes to the deed itself. Usually, this includes getting the consent of the unit holders who are asked to vote on the proposed changes. Also set out on the deed are the responsibilities of the auditor appointed by the trustee of the unit trust scheme.
Prospectus
The prospectus is a document providing information on the unit trust scheme. When a Unit Trust Scheme is offered to the public, the law requires that a copy of the prospectus be made available to people interested in investing in the scheme. This allows prospective investors the opportunity to make sound investment decision. The prospectus must be registered with the Securities Commission. It must contain certain information required by law. It must be accurate and not misleading. The people involved in preparing it are accountable for its contents. If there are misrepresentations in the prospectus, legal remedies are available to investors. By completing and signing the application form from the Unit Trust Scheme prospectus, an investor becomes a unit holder of the scheme, and a party to the deed.

Pheim Unit Trust Funds rank by 1 month performance

Pheim is a unit trust management company approved by the Securities Commission, Malaysia. Their main activities are to offer, manage and market unit trust funds. They are a wholly owned subsidiary of Pheim Asset Management Sdn Bhd.

Pheim Unit Trust was incorporated on 24 April 2001. The company launched 3 unit trust funds on 28 January 2002 and subsequently launched another 2 unit trust funds on 30 June 2006 and 1 November 2006, respectively.

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
Pheim Asia Ex-Japan Islamic Fund	9.71	1.46	4.39	4.75	8.75	16.76	17.02	8.36
Dana Makmur Pheim	10.67	0.61	3.19	2.74	9.28	16.01	18.45	13.28
Pheim Asia Ex-Japan Fund	6.47	0.99	4.2	2.56	8.2	13.19	10.74	2.43
Pheim Emerging Companies Balanced Fund	5.97	0.5	2.7	1.35	6.41	9.28	10.43	7.77
Pheim Income Fund	2.83	0.32	1.02	0.87	2.85	4.29	4.06	4.73

The Explanation on Malaysia Unit Trust Wholesale Funds

Any person engaged in dealing, marketing and distribution activities for unit trust funds (including issuance of advertisements and  promotional materials) or online transactions/activities for unit trust funds, should observe and ensure compliance with relevant securities laws and the  guidelines. For furhter details, please refer to the www.sc.com.my

“unit trust scheme” means any arrangement made for the purpose, or having the effect, of providing facilities for the participation of persons as beneficiaries under a trust in profits or income arising from the acquisition, holding, management or disposal of–
(a) securities;
(b) futures contracts; or
(c) any other property;

The best from RHB ASSET MANAGEMENT SDN BHD

 

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
RHB-OSK Indonesia Equity Growth Fund	17.91	1.57	5.34	0.75	11.6	-6.51	2.45	5.46
RHB-OSK ASEAN Fund	13.96	1.4	4.36	3.86	12.07	5.16	10.57	5.63
RHB-OSK Small Cap Opportunity Unit Trust	18.52	0.76	3.73	3.98	16	25.94	25.98	21.14
RHB-OSK Capital Fund	9.1	0.12	3.65	3.36	10.4	13.4	14.5	10.98
RHB-OSK Global New Stars Fund	-2.48	1.06	3.28	3.92	-2.05	0.6	-3.25	-3.29
RHB-OSK China-India Dynamic Growth Fund	10.48	2.31	3.09	9.22	8.63	25.76	16.43	2.68
RHB-OSK Asia Financials Fund	2.32	1.43	2.82	5.79	3.65	11.07	9.67	1.23
RHB-OSK Big Cap China Enterprise Fund	-4.85	1.26	2.59	3.62	-4.42	17.42	11.7	0.37
RHB-OSK Growth And Income Focus Trust	12.09	0.67	2.57	3.86	9.45	13.6	18.12	15.03
RHB-OSK GoldenLife 2030	7.94	-0.33	2.52	4.25	9.63	11.94	15.85	13.07
RHB-OSK Asia Consumer Fund	-3.9	0.02	2.51	-6.65	-7.62	-1.97	5.41	0.26
RHB-OSK Dynamic Fund	6.34	-0.6	2.5	3.13	8.32	9.46	20.71	15.41

   

RHB Asset Management Sdn Bhd (RHBAM) (formerly known as RHB Investment Management Sdn Bhd) is a wholly-owned subsidiary of RHB Investment Bank, under the Corporate and Investment Banking arm of the RHB Banking Group. Established since 1989, RHBAM has the expertise and skill in managing a full range of investment instruments customized according to client risk profile, including conventional and Shariah- compliant instruments. The investments and mandates managed include equity, fixed income, hybrid structures, structured deposits, cash management, investment-linked and unit trust products.  All too often, investors exclusively use broadly diversified, no load mutual funds for their stock investments. Fidelity Magellan Fund (Nasdaq: FMAGX) and Fidelity Contrafund Fund (Nasdaq: FCNTX) are examples of popular Fidelity funds investors commonly use. By following this approach, investors often miss out on opportunities to enhance the reward potential of their portfolios. In a related article, we have looked at how investors can use sector funds to construct a diversified, no load mutual fund portfolio. In this article, we look at how investors can use sector funds to enhance the performance of their portfolio of diversified, no load mutual funds. Although Fidelity funds are presented as examples, the concepts outlined here can be implemented using sector funds managed by other institutions such as Vanguard or T. Rowe Price. Sector funds confine their investments to a particular sector of the economy. Fidelity funds managed under the Select Portfolios® are sector funds. For example, Fidelity Select Energy (Nasdaq: FSENX) is a no load mutual fund that focuses its investments on various segments of the energy industry such as integrated oil companies, oil and gas exploration and production companies, and oil field service companies. So how does one use sector funds to increase the performance potential of a portfolio of diversified, no load mutual funds?

TA Unit Trust Fund performance rank by gain in year

TA Investment Management Berhad (TAIM), a subsidiary of TA Securities
 

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
TA European Equity Fund	-0.28	-3.51	-1.37	-0.91	17.05	21.05	10.39	7.65
TA Global Technology Fund	0.37	0	4.66	0.43	15.8	15.28	11.06	-
TA Small Cap Fund	1.4	6.06	5.54	6.13	11.62	10.68	9.2	10.57
TA Asian Dividend Income Fund	0.53	0.9	3.34	4.75	8.63	10.29	8.99	2.46
TA BRIC and Emerging Markets Fund	-1.01	-0.36	3.72	0.63	8.06	4.34	-4.82	-
TA Income Fund	-0.77	0.13	1.1	2.47	3.89	5.81	5.17	7.34
TA Asia Pacific Islamic Balanced Fund	1.13	1.49	1.92	1.49	3.12	4.1	0.85	4.46

Who are TAUTM's main functions?
TAUTM is responsible for the day to day management of the Funds and for the development and implementation of appropriate investment strategies. The main tasks performed by TAUTM included:
•     managing funds received from the investors to be eventually invested by he External Investment Manager concerned;
•     arranging the sale and repurchase of units;
•     keeping proper records for the Funds;
•     Valuing investments of the Funds; and
•     distributing income and additional units to the Unitholders

4 Keys to effective Dollar Cost Averaging Investment Implementation

1. Begin Investing immediately
Instead of waiting for the right time, you may benefit from beginning today. Over the long term, whether the market was up or down when beginning an investment program has proved to have made relatively little difference.

2. Focus on Accumulating Funds

A drop in a fund's unit price is a bad news for someone who plans to sell but it can be a good news if you are buying units. That's because lower prices mean you can buy more units with your fixed investment amount unit that have the potential to grow in value.

3. Prepare to Weather Market Declines

Bear in mind that DCA usually works best over long periods of time, so you must be prepared to commit financial resources and have the resolve to make contributions on each appointed date, even during an extended down market.

4. Make Volatility works for you

When you average this way, you are making the inherent volatility of markets work for you. It is impossible to buy low and sell high all the time. So the best solution is not to be caught committing all your money at the high point of a market cycle. If you did, you may not be able to make any profit until the next cycle comes along. By averaging, the price of your units will tend towards the middle price of the market cycle that you are in. You will still get to enjoy a pretty good upside.

3 Tips on How to Choose Malaysia Unit Trust Fund

Most malaysia people think that the diversified nature of unit trust funds means that the risk of investment is low. This led to misconception on buying high prices. We should have 3 basics understanding and research before we commit our hard earned money in Unit Trust investment.
1)Understand your risk profile
·Conservative and low risk investor- when investing your money, your investment's value won't go up and
down a lot. Low risk funds have a mix investment types, or just fixed interest securities.
·High-risk investor - you will aim to achieve the highest possible of return. High risk tend to be specialised
or in or more countries outside Malaysia.
2) Evaluate the unit trust you are investing
Investors should understand the investment objective and strategy in each fund that they are considering. Even the funds within the same category may have differences in risk exposure due to the difference in the investment holdings. Make sure the funds stick on its stated strategy in top 10 holdings. We always look at 3, 5, or 10 years of funds' performance as a compared.
3)Track record of the fund manager
Please bear in mind; the fund manager manages our money investment. Is more directly related to how your money is managed, the fund manager is the one making the investment decision. A strong fund manager will have a professional qualification in finance Analyst and many years of experience in investment research and stock broking. Understand what funds the manager has worked at in the past history and funds performance records.

Sheng Feng Ang is currently a Unit Trust consultancy for more than 10 years experience. Mainly in Unit trust investment, Risk Management and Financial training. Adelaide has obtained the " Certified Financial Planner", is globally recognized in USA, Canada, Japan, Australia, Hong Kong, China, Taiwan, Indonesia, India, Singapore, United Kingdom, New Zealand, Germany, France, South Korea, Brazil, Austria, South Africa and Switzerland.

ArecaCap Trust Funds

ArecaCap is engaged in the business of managing, administering, marketing and distributing unit trust funds, as well funds under private mandates. ArecaCap is a licensed fund manager approved by the Securities Commission in February 2007 and has been an approved Institutional Unit Trust Adviser since November 2007.

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)	5 yr(%)
Areca Equity Trust Fund	16.17	0.7	5.76	8.16	12.39	25.22	21.87	16.06	19.62
Areca Enhanced Income Fund	2.91	0.25	0.6	1.47	2.45	4.11	4.05	4.12	5.49
Areca Income Trust Fund	1.55	0.08	0.28	0.94	1.45	2.64	2.89	3.2	3.99
Areca Growth Trust Fund	5.63	1.69	5.86	4.3	5.36	6.64	5.33	1.27	-

Malaysia unit trust average return

malaysia unit trust average return

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)	5 yr(%)
RHB-OSK Smart Balanced Fund	12.13	-1.31	3.99	5.7	9.87	19.18	20.03	17.05	15.47
RHB-OSK Growth And Income Focus Trust	11.34	-1.43	2.45	4.18	8.28	15.92	18.4	15.7	13.8
Eastspring Investments Dana Dinamik	10.09	-0.29	2.75	5.51	9.75	20.69	19.33	14.64	15.17
Eastspring Investments Balanced Fund	15.12	0.02	3.9	4.9	13.7	26.67	18.45	13.47	14.89
Dana Makmur Pheim	9.15	0.33	2.92	2.22	6.72	16.49	17.15	13.1	12.19
RHB-OSK GoldenLife 2030	7.75	0.13	3.6	5.1	6.96	13.98	15.97	12.88	15.43
Eastspring Investments Dynamic Fund	9.93	0.34	3.52	6.13	9.37	23.56	19.26	11.92	13.33
Hwang Select Balanced Fund	5.12	-0.1	1.31	2.97	4.22	9.55	10.21	10.03	14.08
RHB-OSK Smart Income Fund	6.38	-0.86	1.87	2.74	4.87	8.48	11.25	9.82	9.59
RHB-OSK KidSave Trust	1.92	0.49	0.36	1.37	2.53	3.52	9.05	9.32	11.69
AmIslamic Balanced	5.23	-0.2	1.71	4.06	5.12	9.06	9.97	9.03	10.53
AmBalanced	3.94	0.25	1.77	3.72	4.7	5.06	9.83	8.9	11.06

Top 10 Unit Trust Funds by CIMB Malaysia

CIMB-Principal Asset Management Berhad (CIMB-Principal) is a premier asset management company with regional investment capabilities. Established in 1995, it is one of the largest asset management companies in Malaysia with regional footprint covering Singapore, Indonesia and Thailand.

	YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)	5 yr(%)
CIMB-Principal Asia Pacific Dynamic Income Fund	9.35	0.9	2.93	5.72	10.45	19.81	21.7	17.62	-
CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity - Class C	9.03	0.87	2.84	5.46	10.03	18.59	-	-	-
CIMB-Principal Australian Equity Fund	5.36	-0.15	0.54	0.51	5.93	15.86	14.74	8.58	-
CIMB-Principal Equity Growth & Income Fund	4.37	-0.21	2	4.35	5.86	14.52	15.68	9.68	13.02
CIMB-Principal Equity Aggressive Fund 3	3.89	0.35	4.5	3.73	4.9	13.11	12.89	8.33	15.13
CIMB-Principal Balanced Fund	3.79	-0.1	1.69	2.6	4.3	9.23	9.96	7.97	13.55
CIMB-Principal Strategic Bond Fund	3.64	-0.51	0.76	2.1	3.32	3.56	4.96	4.7	6.59
CIMB-Principal Greater China Equity Fund	3.49	-0.62	2.31	2.35	5.28	24.41	14.25	5.18	5.25
CIMB-Principal PRS Plus Growth - Class C	3.48	0.42	2.41	2.58	4.3	10.28	-	-	-
CIMB-Principal PRS Plus Moderate - Class C	3.22	0.24	2.27	2.38	3.88	8.9

Eastspring Investments Small-Cap Fund

					YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)	5 yr(%)	10 yr(%)
	Eastspring Investments Small-Cap Fund              |				28.83	0.68	5.4	8.04	24.21	50.34	45.81	27.08	27.48	15.72
	Hwang Select Asia (Ex Japan) Quantum Fund    |				12.79	1.36	3.57	7.89	12.55	12.9	23.51	18.48	25.01	12.15
	Kenanga Growth Fund                                                 |				16.53	0.29	5.48	8.52	15.02	27.77	24.57	20.22	24.51	16.81
	RHB-OSK Emerging Opportunity Unit Trust        |				15.33	-0.08	3.83	5.49	12.37	20.2	23.8	21.98	21.55	15.37
	Kenanga Syariah Growth Fund                                 |				9.6	0.23	2.58	4.95	10.1	15.98	17.2	15.12	20.35	14.8
	Hwang Select Opportunity Fund                             |				7.75	0.53	3.04	6.36	8.11	13.83	19.38	15.38	20.09	11.65
	Areca Equity Trust Fund                                              |				15.84	0.98	5.51	7.5	12.2	24.7	21.52	15.5	19.76	-
	KAF Vision Fund                                                             |				18.82	0.81	6.11	7.13	15.66	25.47	28.03	19.27	19.7	11.77
	RHB-OSK Malaysia DIVA Fund                                  |				7.7	0.12	2.91	5.06	6.12	17.72	23.64	17.31	19.66	8.27
	AMB Ethical Trust Fund                                               |				13.98	0.83	3.47	5.88	11.97	23.29	21.9	16.15	19.35	16.2

Methods of Investing in Unit Trusts

Reinvestment of Income
Unit trust schemes give out distributions from time to time. Distributions are payment to unitholders. It is recommended that unit holders do not cash the distribution. Rather, they should reinvest the distribution by buying more units of the unit trust scheme. This will allow their investment to increase. Reinvesting distribution is the easiest way a person can increase his investment in unit trust schemes without having to fork out more investment money.
If a unit holder instructs the Unit Trust Management Company to reinvest his distributions, the distribution he receives is used to buy addition units of the Trust, at a selling price quoted usually one month after the ex distribution date.
Regular Saving
Another good way to increase your investment in unit trusts is to make regular contribution to the unit trust scheme. This is achieved through a series of regular sums of investment. A standing order instruction can be given to your bank so that a specific amount is then channel, once every month or so, for investment in unit trust. This is a disciplined way for people to accumulate capital for future need. The sum accumulated at the end of the period may be quite significant compared to the amount regularly contributed. This form of savings is called dollar cost averaging, and is the basis of retirement savings plan such as the Employee Provident Fund.
Investing through regular savings can be made for sums as low as RM100 per month.
Borrowing to Invest in Unit Trust Schemes
Some people invest in unit trust using borrowed money. They expect the rate of return from their unit trust investment to not only cover the borrowing cost, but also give them profit on top of that. I have two things to say about borrowing to invest in unit trust schemes. The first is, don't. The second is, don't forget the first.
There is certainly a big downside to such an activity. The value of the investment could fall, say with a falling share market. While the value of the unit trust may decrease, the amount of loan taken out to buy it remains the same. If this happens, the investor's savings can be wiped out. He will be forced to sell his units at a loss and repay the difference between the proceeds of the disposal of the unit trust and the amount of loan taken by him. Needless to say, this is stress which I don't wish on any investor. So, as a unit trust consultant, I do not encourage investors to invest using borrowed money.

Top 10 Malaysia Mutual Fund Rank by last week performance

		YTD(%)	1 wk(%)	1 mth(%)	3 mth(%)	6 mth(%)	1 yr(%)	2 yr(%)	3 yr(%)
	RHB-OSK Indonesia Equity Growth Fund	16.87	3.52	1.67	1.19	15.37	-5.55	2.87	5.94
	RHB-OSK Gold And General Fund	22.68	3	13.89	9.95	19.26	20.81	-13.06	-17.69
	Areca Growth Trust Fund	5.53	2.21	5.58	3.5	5.26	7.44	4.69	1.31
	RHB-OSK ASEAN Fund	12.73	2.12	3.08	5.5	13.1	5.64	10.76	5.92
	TA Small Cap Fund	7.94	1.56	5.87	4.45	4.81	13.41	9.98	7.83
	AmASEAN Equity	9.37	1.36	1.4	5.43	10.95	0.96	3.29	4.32
	Hwang Select Asia (Ex Japan) Quantum Fund	12.79	1.36	3.57	7.89	12.55	12.9	23.51	18.48
	Eastspring Investments MY Focus Fund	21.72	1.27	4.28	5.13	19.17	43.46	35.91	24.04
	Hwang PRS Growth Fund	7.71	1.26	3.03	5.5	7.97	10.36	-	-
	he next thing to watch out for is whether the mutual fund is undergoing too much "churn and earn". This means you have to check whether too many transactions by the mutual fund are resulting in higher fees or costs to the investor. In this context, the worst offenders are those mutual funds that have a lot of spurious churn. Every time a mutual fund buys or sells stocks, the broker or brokers it employs make a neat pile from the commissions. So, these brokers try to encourage a lot of churn or buying and selling of stocks by giving a kickback to the mutual fund manager. Although direct bribery is illegal, payment of soft money through a sponsored trip to Hawaii or letting the mutual fund manager have a swanky Wall Street office for $1 a month is not. The only loser in all this spurious churn is the investor, especially in cases where the small print says that the investor will have to pay the brokers' fees as well.

5 years average unit trust performances

YTD(%) 1 wk(%) 1 mth(%)3 mth(%)6 mth(%)1 yr(%) 2 yr(%) 3 yr(%) 5 yr(%) 10 yr(%)
Eastspring Investments Small-Cap Fund | 28.83 0.68 5.4 8.04 24.21 50.34 45.81 27.08 27.48 15.72
Hwang Select Asia (Ex Japan) Quantum Fund | 12.79 1.36 3.57 7.89 12.55 12.9 23.51 18.48 25.01 12.15
Kenanga Growth Fund | 16.53 0.29 5.48 8.52 15.02 27.77 24.57 20.22 24.51 16.81
RHB-OSK Emerging Opportunity Unit Trust | 15.33 -0.08 3.83 5.49 12.37 20.2 23.8 21.98 21.55 15.37
Kenanga Syariah Growth Fund | 9.6 0.23 2.58 4.95 10.1 15.98 17.2 15.12 20.35 14.8
Hwang Select Opportunity Fund | 7.75 0.53 3.04 6.36 8.11 13.83 19.38 15.38 20.09 11.65
Areca Equity Trust Fund | 15.84 0.98 5.51 7.5 12.2 24.7 21.52 15.5 19.76 -
KAF Vision Fund | 18.82 0.81 6.11 7.13 15.66 25.47 28.03 19.27 19.7 11.77
RHB-OSK Malaysia DIVA Fund | 7.7 0.12 2.91 5.06 6.12 17.72 23.64 17.31 19.66 8.27
AMB Ethical Trust Fund | 13.98 0.83 3.47 5.88 11.97 23.29 21.9 16.15 19.35 16.2

Unit Mutual Fund

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What is Mutual Funds and Unit Trusts

A mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests it on their behalf. The mutual fund will have a fund manager that trades the pooled money on a regular basis. The term mutual funds is used in the United States and Canada. In the UK, Ireland, Australia and some other countries they are known as unit trusts. For our purposes mutual funds and unit trusts have been to mean virtually the same thing, but note there are some differences, which should be checked at the time of any purchase. Trusts and OEICs provide a mechanism of investing in a broad selection of shares, thus reducing the risks of investing in individual shares. There are thousands of Unit Trusts and hundreds of OEICs to choose from, so it is important to select the right fund to meet your needs. Unit trusts are open-ended; the fund is equitably divided into units which vary in price in direct proportion to the variation in value of the fund's net asset value. Each time money is invested new units are created to match the prevailing unit buying price; each time units are redeemed the assets sold match the prevailing unit selling price. Each Unit Trust has its own investment objective and the fund manager has to invest to achieve this objective. The fund manager will invest the money on behalf of the unit holders (or shareholders). The value of your investment will vary according to the total value of the fund. The trust manager makes a profit in the difference between the purchase price of the unit or offer price and the sale value of units or the bid price. This difference is known as the bid-offer spread. The bid-offer spread varies from company to company, and even from fund to fund within the same company. Market conditions will often dictate the size of the spread, the lower the spread the better for the investor. Some fees are declared as a percentage of your investment, others are built into the price. Mutual funds, and unit trusts, can invest in many kinds of securities. The most common are cash instruments, stock, gilts, and bonds, but there are hundreds of sub-categories. Common areas to invest in are stocks in geographical areas, such as North America, Europe, Asia and so on. Or, they can invest in Emerging Markets, New Companies, companies with green credentials, small companies, or the bigger so-called Blue Chip companies etc.

WHAT IS MALAYSIA UNIT TRUST FUND ?

A unit trust fund is constituted pursuant to a deed executed by the trustee and the manager on behalf of unitholders. The Deed is registered with the Securities Commission and sets out the rights of you as a unitholder and the responsibilities and liabilities of the trustee and the manager. The unit trust fund will invest in equities, fixed income securities and other assets authorised under the Guidelines.