Risk in unit trust

[weekee1980]

Normally how much you paid for the sale fee ?

 

[yuzu28]

Normally how much you paid for the sale fee

For UT, i using poems, 0% sales charge. Think fsm also came. U go check check

 

[silverbomb]

For UT, i using poems, 0% sales charge. Think fsm also came. U go check check

FSMone is the focus funds that is 0% under the promo, not all 0%.

only recently then realise POEMs is 0%. but how do you compare the range of UT they have versus FSMone? i realise some UT that DBS carries POEMs don't have so wondering if you have a clue of the wideness of range.

 

[yuzu28]

FSMone is the focus funds that is 0% under the promo, not all 0%.

only recently then realise POEMs is 0%. but how do you compare the range of UT they have versus FSMone? i realise some UT that DBS carries POEMs don't have so wondering if you have a clue of the wideness of range.

There are some UTs perhaps exclusive to DBS i guess, like Manulife Reits Fund. It might be some collaboration relationship? Like dbs seems to have manulife insurance and somehow feel they are linked to nikko am.

There are also some that Citi has and DBS dun have like one of the AB income fund (hope i remember correctly). Poems itself has their own phillips funds too, which surprisingly doing not bad. Not so sure if there's any exclusive funds for fsm cos i dun use. But whatever poems have, fsm should have. I normally use fsm to check div ex date. Also, it is interesting to use the screeners from citi, dbs, poems, fsm and scb.

I have a friend who earned quite a bit from UTs in the past few years. He blindly dca and lumpsum into any funds that are into the top 5 sales and those fsm recommended. He said he dunno what's the underlying. But he said his experience shows that these are prettty accurate.

 

[chrisloh65]

A broker is a "middleman," and usually the broker charges commissions to buy individual stocks. Do you have something else in mind?

Well, there is a big difference there which you don't know? Let's get you educated then:
- A broker only earns a very low commission from you when you buy a stock. Thereafter, the broker don't charge you any more annual recurrent fees, don't charge you dividend handling fees!
- A Unit Trust manager and ETF manager charges annual recurrent fees, dividend handling fees, all kind of fees etc. every year! The longer you hold a unit trust or ETF, the more expenses you are paying to these UT and ETF managers!

Looks like you need more financial education? LOL!

 

[hwmook]

FSMone is the focus funds that is 0% under the promo, not all 0%.

only recently then realise POEMs is 0%. but how do you compare the range of UT they have versus FSMone? i realise some UT that DBS carries POEMs don't have so wondering if you have a clue of the wideness of range.

FSM is 0% sales charge for all unit trusts, has been that way since I started more than a decade ago. They just charge platform fees so the longer you hold, the more you pay.

Dollardex and POEMS are the cheapest. 0% sales charge and no platform fees.

 

[Andrew833]

If I were to bluntly put it. Etf generally tracks an index or a sector or thematic whatever you call it. Why ppl invest in unit trust? Because some fund managers can invest in equities and can beat the index. Actually not difficult to beat index but many funds have constraints hence always fail to beat index. After deducting the high cost, you lugi more so in the end, many ppl prefer to invest in index

Yes, generally ETF track index, Unit Trust beat index, that's why the fee is higher.

But some people just don't understand lol.

 

[Andrew833]

I heard lionglobal not good but i got buy hst and yyy.. also the all seasons fund.

Actually uob united also not that good for some of its funds... Another one I dun like is Fullerton.

Usually fund house got few good UT enough already, there are too many factors to affect the performance.

 

[yuzu28]

Usually fund house got few good UT enough already, there are too many factors to affect the performance.

I see... Which are the UTs that u feel are good?

I personally like Allianz income and growth.

 

[Andrew833]

I see... Which are the UTs that u feel are good?

I personally like Allianz income and growth.

I go for high risk type, emerging market and tech.
Income or growth usually very slow and low return.

Take note: when market crash, low risk or high risk UT, all drop together.

 

[skpuppy]

I go for high risk type, emerging market and tech.
Income or growth usually very slow and low return.

Take note: when market crash, low risk or high risk UT, all drop together.

Actually one of the most solid cheap trust is Scottish mortgage investment trust. Their track record is amazing and the expense ratio is super low. Other unit trust usually charge 2%.
https://forums.hardwarezone.com.sg/...d-scottish-mortgage-investment-trust.6566544/Not sure whether it will perform as well as “Berkshire Hathaway”. I feel 2-3 years beating index is easy. Warren buffet did it for 20 years only underperforming lately because they don’t understand tech

 

[Andrew833]

Actually one of the most solid cheap trust is Scottish mortgage investment trust. Their track record is amazing and the expense ratio is super low. Other unit trust usually charge 2%.
https://forums.hardwarezone.com.sg/...d-scottish-mortgage-investment-trust.6566544/Not sure whether it will perform as well as “Berkshire Hathaway”. I feel 2-3 years beating index is easy. Warren buffet did it for 20 years only underperforming lately because they don’t understand tech

UNITED E-COMMERCE FUND SGD
Local one good enough

 

[yuzu28]

UNITED E-COMMERCE FUND SGD
Local one good enough

Wa, this one never see before leh. Later i go look look. I have the united sgd fund. Just sold off recently.

 

[McFadden]

Etf isit those that are listed on Singapore stock exchange?Or is it private company?

 

[celtosaxon]

Etf isit those that are listed on Singapore stock exchange?Or is it private company?

The E in ETF kind of says it all, right?

 

[Tanjh1967]

I mean will the fund manager/house will collapse ?

Any fund manager/house collapse before?

If we buy different Allianz funds , and Allianz collapse , is it mean that all our Allianz unit trust will gone?
(Ex: Allianz Europe Equity Growth , Allianz China A-Shares , ALLIANZ THEMATICA AMG H2-SGD DIS .... )

Why people buying unit trust vs ETFS?

Will unit trust like bonds that had different term like Callable date, reset the coupon rate..?
Will unit trust like stock that will issue right, Stock split , stock privatize or delisted?

Thank you all senior here for the help.

I mean will the fund manager/house will collapse ?

Any fund manager/house collapse before?

If we buy different Allianz funds , and Allianz collapse , is it mean that all our Allianz unit trust will gone?
(Ex: Allianz Europe Equity Growth , Allianz China A-Shares , ALLIANZ THEMATICA AMG H2-SGD DIS .... )

Why people buying unit trust vs ETFS?

Will unit trust like bonds that had different term like Callable date, reset the coupon rate..?
Will unit trust like stock that will issue right, Stock split , stock privatize or delisted?

Thank you all senior here for the help.

Unit trust is established under a trust deed, and the investor is effectively the beneficiary of the trust.
A unit trust is a three-way relationship among the Fund Manager, the Trustee and the Unit Holder. The Manager manages and operates the unit trust fund, the Trustee holds all the assets and the Unit Holder is the investor.
The trustee is independent of the fund manager/house and acts as the custodian of the fund's assets. The trustee ensures that the fund is managed according to the trust deed to minimise the risk of mismanagement by the fund manager.
The Fund manager/house can collapse but the fund is hold by the trustee for the unit holder.