Unit Trust - RISK MANAGING IN UNIT TRUST INVESTMENT

RISK MANAGING IN UNIT TRUST INVESTMENT

Many sites that highlighted that investment in unit trust can generate profits.

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Here I am not going to talk about the advantages but what I would point out is how do we ensure that our investment will not shrink in value just before we retired.

Here also I calculate your saving is enough for your retirement monthly expenses requirement. Please  remember that our retirement saving should enough for us to sustain at our age of 75years for male and 80 for female. Statistic is shown Malaysian is currently is taking serious on their health conscious   and that why Malaysian Government is encourage us to work till 60 years old.

Lets us go to investment strategy..

During initial investment, unit trust agents will ask the purpose of investment eg

  1. Preserve Capital
  2. Return slightly better than the bank rate
  3. Moderate income / capital growth
  4. High capital growth
  5. Maximise capital growth

For Employees Provident Fund EPF members, they would prefer no 4 and 5 where the high & maximize capital growth will provide more than EPF return

We also know that a fund that provides high return give high risk.

 So what is our strategy in dealing with this situation.

When we invest we should divide the period investment in 3 parts where
  The first;  first in investing
  The second, intermediate investment
  The third part; prior to retirement.
  All the above division can be divided into 3 options

1> The first part, at an early stage in investment and we ccan put in High Risk High Return Fund. Where we can generate a return on our investment.
  2> The second part where we have at least 8 years before retiring
  3> The third section where we will retire in three years.

  I have made an application to facilitate us to simulate our investment ....

• Participant Data Requirement

Time giving an impact to the expected monthly expenses from RM2,500 to RM6,162 within 23 years and this is based on the inflation rate of 4%.
Question do you have enough saving to cater the increment by the inflation rate?
If not invested your money in the institutions that give highest return then you can not cater the money depreciation by the inflation rate. And you should know the inflation rate can caused by external factor such as the cost increased and the second one is your increment by changes in your lifestyle.



If your age 37 and you will retiring in 23 years and within 23 years your expectation to use RM2,500 monthly it become RM6,162 in the year 2037.  Can you imagine that how the time and inflation rate gave the impact to your expenses in the future.




Dividing Investment Over investment time

 Portfolio selection

To maximize profits there are several steps that can be done
  However, I will take you to an era in which this simulation will indicate when you will run out of money investments and strategies to extend your investment money from runs out ......

Interested in investing in Malaysia Islamic Unit Trust,

 Call me at +6018 3800 626
email me at roslanabdulmutalib@gmail.com

Unit Trust - MENANGANI RISIKO PELABURAN DALAM UNIT TRUST

Assalamualaikum

MENANGANI RISIKO PELABURAN

Banyak site-site yang mengutarakan tentang unit trust yang menjana keuntungan apabila melabur dalam unit trust.

Disini saya tidak akan menyatakan tentang keuntungan tetapi apa yang saya akan utarakan adalah bagaimana kita memastikan keuntungan yang kita jana selama melabur tidak akan menyusut nilai. Tambahan lagi jika kita dalam saat saat akhir kita akan bersara.

Semasa mula melabur, agen unit trust akan bertanyakan tujuan pelaburan kita samada untuk
1. Preserve Capital
2. Return slightly better than the bank rate
3. Moderate income / capital growth
4. High capital growth
5. Maximise capital growth

Kebiasaannya bagi pelabur KWSP mereka  akan prefer no 4 dan 5 dimana high & maximise capital growth akan memberikan pulangan lebih dari KWSP.

Kita juga tahu yang fund yang memberikan pulangan tinggi memberi risiko yang tinggi.

Maka apakah tindakan kita dalam menangani situasi begini.

Apabila kita melabur kita sepatutnya membahagikan tempoh melabur itu dalam 3 bahagian dimana
Bahagian pertama ; mula mula melabur
Bahagian kedua    ; pertengahan pelaburan
Bahagian ketiga    ; sebelum bersara.
Ketig-tiga bahagian tersebut pula terbahagi kepada 3 pilihan

1> Bahagian pertama, usia masih muda dan pelaburan dalam High Risk High Return Fund. Dimana kita dapat menjana pulangan bagi pelaburan kita.
2> Bahagian kedua dimana kita mempunyai sekurang kurangnya 8 tahun sebelum bersara
3> Bahagian ketiga dimana kita akan bersara dalam tiga tahun lagi.

Saya telah membuat satu applikasi untuk memudahkan kita melihat simulasi pelaburan kita ....

• Data Peserta Diperlukan



 



 

Membahagikan Pelaburan Dalam Tempoh Melabur

Memilih porfolio 

 

Untuk memaksimakan keuntungan terdapat beberapa langkah yang boleh dilakukan
Walaubagaimana pun saya akan membawa anda ke satu era dimana simulasi ini akan menunjukkan bila wang pelaburan anda akan kehabisan dan strategi untuk memanjangkan tempoh kehabisan wang pelaburan anda......

Call saya di talian +6018 3800 626