Unit Trusts!

[sonicdeejay]

I start to think to Equity funds are going to get lower, or crash..
Is there any funds that do well.. during 2007-2009?

Sonic

 

[Mecisteus]

then you should start shorting stocks. why pay fees to funds since you already know a crash is coming?

 

[Dividends Warrior]

I start to think to Equity funds are going to get lower, or crash..
Is there any funds that do well.. during 2007-2009?

Sonic

Gold did well.

 

[bbmars1128]

I start to think to Equity funds are going to get lower, or crash..
Is there any funds that do well.. during 2007-2009?
Sonic

I choose to sit out, sell all my UT and wait for opportunities when market turned up. The start of the bull is usually very strong and most are still weary or unaware that market is already up..... by the time when it is reported, it has already run up a lot...

 

[sonicdeejay]

I m using my cpf.. I doubt it can short..

 

[bbmars1128]

I m using my cpf.. I doubt it can short..

Nope, can;t short, I use CPF too. Buy and hold, set your target....

 

[genie47]

I m using my cpf.. I doubt it can short..

CPF? Why buy unit trust? Buy ES3 STI ETF. Buy O87 Gold ETF. Gold is retreating now. Just max out your gold limit with it.

BUT! If you have not got your flat yet, leave it alone to grow and then use it to buy flat first.

 

[FP_IFA]

I doubt you can use CPF to short anything. CPF approved funds don't include hedge funds.

 

[limchooc]

I start to think to Equity funds are going to get lower, or crash..
Is there any funds that do well.. during 2007-2009?

Sonic

I share the same feeling as you. That is why I start to reduce my stock holding when STI hit 3300. I might be wrong be just on the safe side.

 

[bbmars1128]

I share the same feeling as you. That is why I start to reduce my stock holding when STI hit 3300. I might be wrong be just on the safe side.

I share the same sentiment too. However, I am still engaged with Rotary, Semcorp Marine and Wilmar. bought them when they corrected. only one that I missed was Rotary, missed it by 1 day and the price shot up by 4c.

From the chart, many of the stocks are already in overbought condition and yet still moving higher... Reminds me of 2007-08 recession time... every stock went crazy rocking upward. I am anticipating a correction anytime within the next few weeks. I will enter the market during this time and wait for the next wave up... after that, I will be really watching .. watching for sign..... BIG WAVE down coming? I don't know, cause I am no expert in this, but my gut feel ....not comfortable by then... so watch.

 

[gyuna49]

So when do you think the next Big depression Wave is going to come? my rm doesn't think so leh, the other he was still recommending some unit trusts to me. He said according to industry reports, a lot of unit trusts grew 22% over 2012, best performance since 2009? And many local unit trusts gave investors excellent returns over the 12 months to the end of December. Some total returns, including dividends, of over 40%..so he thinks that this year will see the growth continue.

 

[hwmook]

So when do you think the next Big depression Wave is going to come? my rm doesn't think so leh, the other he was still recommending some unit trusts to me. He said according to industry reports, a lot of unit trusts grew 22% over 2012, best performance since 2009? And many local unit trusts gave investors excellent returns over the 12 months to the end of December. Some total returns, including dividends, of over 40%..so he thinks that this year will see the growth continue.

Unit trust got so many type, how do you ever lump them together? When stock market tank, bond price go up so it will go in different direction.

 

[Epps_Sg]

I start to think to Equity funds are going to get lower, or crash..
Is there any funds that do well.. during 2007-2009?

Sonic

I was looking for low volatility, no slaes charge bond fund to park my cash, and i found this LionGlobal Singapore Fixed Income Investment Class A that managed to be positive in 2006 till 2012. It consist of 42% sovereign (govt) bonds, which do well when there is market risk. Rest are mostly Singapore corporate and municipal bonds also. Best is volatility is low, so lower portential loss of few percent within the year only, and higher chance to get out the cash without loss after 6 to 12 months. There is also no sales charge in POEMS for this fund.

Unit trust got so many type, how do you ever lump them together? When stock market tank, bond price go up so it will go in different direction.

Not all bond fund will go up when stock market tank. Bond fund consisting of mostly corporate bonds or high yield bonds will go up and down with stocks. An example: UOB United SGD Fund CL A, which followed the stock market and did poorly in 2008 and 2011, and did well like stocks in 2009 and 2012.

See comparison between above 2 funds here:

 

[bbmars1128]

So when do you think the next Big depression Wave is going to come? my rm doesn't think so leh, the other he was still recommending some unit trusts to me. He said according to industry reports, a lot of unit trusts grew 22% over 2012, best performance since 2009? And many local unit trusts gave investors excellent returns over the 12 months to the end of December. Some total returns, including dividends, of over 40%..so he thinks that this year will see the growth continue.

With current condition, it is really your faith and trust in your RM than anything else. Have you heard of so and so, after listening to this and that ended up all loose $$ after buying? I heard this too many time including myself experiencing such stuff too.

Whether market will move up or not, if you believe, you buy. I am not speaking on your RM behalf, but I am waiting for opportunity, the next wave down to pick my buy. I am optimistic about this current year, but nothing beyong that. I am not sure too. However, I had read other articles and most pointing to good 2013, but you only have yourself to blame should anything goes wrong.

......He said according to industry reports, a lot of unit trusts grew 22% over 2012, best performance since 2009? And many local unit trusts gave investors excellent returns over the 12 months to the end of December. Some total returns, including dividends, of over 40%....

Best year? What he was saying was according to report, historical data. Its only for reference but not an indication that a UT will continue to boom for the coming year just be careful. Like I said, you only have yourself to depend on.

My Aberdeen Thailand UT which I bought in mid May last year = 51% profit return dated yesterday with no dvd. It depends on what you pick and you really have to do your own homework. Yes someone may recommend you something, but its really all up to you.

 

[bbmars1128]

.....LionGlobal Singapore Fixed Income Investment Class that managed to be positive in 2006 till 2012.....

I have placed my extra cash here instead if leaving it in the bank..... the interest may be low, but I think the returns is better than the bank. I didn't really check for the past 2 yrs, but I know in the early years during the recession, it had given out better interest than bank..... even NTUC Plus card gave better returns..

 

[shun07]

I was looking for low volatility, no slaes charge bond fund to park my cash, and i found this LionGlobal Singapore Fixed Income Investment Class A that managed to be positive in 2006 till 2012. It consist of 42% sovereign (govt) bonds, which do well when there is market risk. Rest are mostly Singapore corporate and municipal bonds also. Best is volatility is low, so lower portential loss of few percent within the year only, and higher chance to get out the cash without loss after 6 to 12 months. There is also no sales charge in POEMS for this fund.


Not all bond fund will go up when stock market tank. Bond fund consisting of mostly corporate bonds or high yield bonds will go up and down with stocks. An example: UOB United SGD Fund CL A, which followed the stock market and did poorly in 2008 and 2011, and did well like stocks in 2009 and 2012.

See comparison between above 2 funds here:

What website is that?

 

[Epps_Sg]

What website is that?

Poems Unit Trust - Fund Comparison

 

[iCuteCube]

I gonna agree that LionGlobal FIXED INCOME CLASS A is one of the "BEST" or "STABLE" UT out there.

Some other UT that i like is First State Dividend Advantage, which is quite a workhorse in my UT portfolio.

 

[Vincent_G]

So when do you think the next Big depression Wave is going to come? my rm doesn't think so leh, the other he was still recommending some unit trusts to me. He said according to industry reports, a lot of unit trusts grew 22% over 2012, best performance since 2009? And many local unit trusts gave investors excellent returns over the 12 months to the end of December. Some total returns, including dividends, of over 40%..so he thinks that this year will see the growth continue.

I had bad experience with so-called RM in the bank. Please don't trust them blindly, as they might just eye the % commission only. I still remembered back in 2008, I was still beginner and walked in to bank, I was advised by so-called local bank RM. And among the cautious news about subprime thing, he recommended me to buy DBS Global Property Fund (now it's called Nikko AM Global Prop).

Well, I trusted the fella with all sort of explanation (e.g. everybody needs house, share market is still doing well, etc) and invested large chunk of my savings (just started working for few years). Well, the rest was history, I suffered huge losses, and lucky manage to cut loss at the right time. I move to online platform, and started to DIY myself. By 2010, I recovered all my losses and started to be in profit till now. I will not blame anyone because at the end it's my own decision. As memento, I still keep small portion of that fund till now.

Well, I don't say all RM are bad, but just be cautious.. There are many online platforms for you to invest with lower cost.. But DIY means you needed to invest time to study.

 

[Newbiepro]

I had bad experience with so-called RM in the bank. Please don't trust them blindly, as they might just eye the % commission only. I still remembered back in 2008, I was still beginner and walked in to bank, I was advised by so-called local bank RM. And among the cautious news about subprime thing, he recommended me to buy DBS Global Property Fund (now it's called Nikko AM Global Prop).

Well, I trusted the fella with all sort of explanation (e.g. everybody needs house, share market is still doing well, etc) and invested large chunk of my savings (just started working for few years). Well, the rest was history, I suffered huge losses, and lucky manage to cut loss at the right time. I move to online platform, and started to DIY myself. By 2010, I recovered all my losses and started to be in profit till now. I will not blame anyone because at the end it's my own decision. As memento, I still keep small portion of that fund till now.

Well, I don't say all RM are bad, but just be cautious.. There are many online platforms for you to invest with lower cost.. But DIY means you needed to invest time to study.

Hi im a noob here planning to go into investing. Lets say if u plan to DIY, what are the things you must actually study or look into before you commit into a certain stock?

Thanks!