Your SlideShare is downloading. ×
0
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
What Fund Should I Recommend My Clients - 3 May 2008
Upcoming SlideShare
Loading in...5
×

Thanks for flagging this SlideShare!

Oops! An error has occurred.

×
Saving this for later? Get the SlideShare app to save on your phone or tablet. Read anywhere, anytime – even offline.
Text the download link to your phone
Standard text messaging rates apply

What Fund Should I Recommend My Clients - 3 May 2008

453

Published on

3rd May 2008 Training by Peter Lim

3rd May 2008 Training by Peter Lim

Published in: Business, Economy & Finance
0 Comments
1 Like
Statistics
Notes
  • Be the first to comment

No Downloads
Views
Total Views
453
On Slideshare
0
From Embeds
0
Number of Embeds
0
Actions
Shares
0
Downloads
25
Comments
0
Likes
1
Embeds 0
No embeds

Report content
Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
No notes for slide

Transcript

  • 1. What Fund should I recommend my clients?
  • 2. Considerations: <ul><li>1) Time Horizon </li></ul><ul><li>2) “Price Fluctuating” Tolerance </li></ul><ul><li>3) Lump Sum, or Monthly Investments </li></ul>
  • 3. Time Horizon <ul><li>How long the client plans to stay invested before withdrawing the funds. </li></ul><ul><ul><li>Purpose of investing </li></ul></ul><ul><li>Generally, the shorter the time horizon, the lower the “price fluctuation” that should be recommended. </li></ul>
  • 4. Less than 3 years <ul><li>6 Months to 3 Years : </li></ul><ul><li>PBOND - Public Bond Fund </li></ul><ul><li>1.5 Years to 4 Years: </li></ul><ul><li>PEBF - Public Enhanced Bond Fund </li></ul>
  • 5. More than 3 years <ul><li>Conservative to Moderate “Risk” </li></ul><ul><li>Balanced Funds: </li></ul><ul><li>PBF – Public Balanced Fund , or </li></ul><ul><li>PFEBF – Public Far East Balanced Fund </li></ul>
  • 6. More than 3 years <ul><li>Moderate “Risk” – Mainly within Malaysia because of lesser foreign currency risk. </li></ul><ul><li>Dividend Funds, or Blue Chip Funds </li></ul><ul><li>PDSF – Public Dividend Select Fund </li></ul><ul><li>PFEDF – Public Far East Dividend Fund </li></ul><ul><li>PIX – Public Index Fund </li></ul><ul><li>PRSF – Public Regular Savings Fund </li></ul>
  • 7. More than 3 years <ul><li>High “Risk” – “Aggressive” in QFR </li></ul><ul><li>Foreign Funds, or Growth Funds, Small Cap Funds </li></ul><ul><li>PEF – Public Equity Fund </li></ul><ul><li>PFES – Public Far-East Select </li></ul><ul><li>PSMALLCAP – Public SmallCap Fund </li></ul>
  • 8. More than 3 years <ul><li>Specific Funds </li></ul><ul><li>China Market – PCSF, PCIF, PCTF </li></ul><ul><li>Property Market – PFEPRF </li></ul><ul><li>Consumer Market – PFECTF </li></ul>
  • 9. EPF Investments <ul><li>The only Bond Fund – PSBF </li></ul><ul><ul><li>Unless for Asset Allocation, don’t recommend PSBF 100%, because the return would not be as good as EPF’s Return. </li></ul></ul><ul><li>The only Balanced Fund – PIBF </li></ul><ul><ul><li>Better than PSBF over medium to long term, recommend if client is conservative, or scared of current market. </li></ul></ul>
  • 10. EPF Investments <ul><li>Moderate “Risk” </li></ul><ul><li>PIX – Public Index Fund </li></ul><ul><li>PRSF – Public Regular Savings Fund </li></ul><ul><li>PIDF – Public Islamic Dividend Fund </li></ul>
  • 11. EPF Investments <ul><li>High “Risk” </li></ul><ul><li>PIEF – Public Islamic Equity Fund </li></ul><ul><li>PISTF – Public Islamic Select Treasure F </li></ul><ul><li>PIOGF – Public Islamic Optimal Growth F </li></ul>
  • 12. Lump Sum <ul><li>If Amount is “Big”, I strongly suggest Asset Allocation </li></ul><ul><li>- A portion in Low “Price Fluctuation” Fund </li></ul><ul><li>- A portion in Medium “Price Fluctuation” Fund (Optional) </li></ul><ul><li>- A portion in High “Price Fluctuation” Fund </li></ul><ul><li>(Optional) </li></ul>
  • 13. Monthly Investments <ul><li>Share the concept of Dollar Cost Averaging </li></ul><ul><ul><li>Best applied over 3 years or more to take advantage of the market’s fluctuation. </li></ul></ul><ul><li>Use Funds that fluctuates a lot for maximum advantage </li></ul><ul><ul><li>PEF, PFES, PITTIKAL, PFEDF, PDSF </li></ul></ul>
  • 14. Islamic Funds ? <ul><li>To cater for Bumiputra market. </li></ul><ul><ul><li>Generally, I prefer funds that have less restrictions. </li></ul></ul><ul><ul><li>Example : Restaurant. </li></ul></ul>
  • 15. Support <ul><li>Email : [email_address] </li></ul><ul><li>Web : http://peterpmutual.blogspot.com </li></ul><ul><li>- News, Books, Audios, Articles, etc. </li></ul><ul><li>Phone : Shu-Yin (012 – 4055 918) </li></ul>
  • 16. <ul><li>Change Forms </li></ul><ul><li>(Cash, EPF, Switching) </li></ul><ul><li>Collect Master Prospectus </li></ul>
  • 17. What should we do when the returns are negative ? <ul><li>Don’t Panic . </li></ul><ul><li>Compare the fund&apos;s return to the benchmark. </li></ul><ul><li>Hold On as eventually, the returns would be better going forward. </li></ul><ul><li>Do a Topup , buying it on Discount / Sale. </li></ul>

×