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A presentation by
Khoo Boo Yeang
dakhoos@gmail.com
0124836281
THE DNA OF AN ASTUTE UNIT TRUST INVESTOR:
• Have a Plan
• Follow the Plan
• Don’t Panic
Investing: A Lifetime Commitment
H...
Why people lose
money in Unit Trust:
• Did not invest for the
long term
• Tried to time the market
• Bought high and Sold
...
Build Your
Fortune ….
Thru
DDI
Direct Debit
Instructions
(DIAM DIAM INCOME)
LONG TERM VS SHORT TERM
•LONG TERM INVESTORS BUY LOW AND SELL HIGH
•SHORT TERM INVESTORS BUY HIGH AND SELL LOW
•SPECULATOR...
THE MARKET WILL ALWAYS RISE IN THE
LONG RUN
Currently the FBM is hovering
above the lower end of its
trading range (2014 -...
DIVERSIFY IN VOLATILE MARKETS?
For the conservative investors,
might be a good time to rebalance
and switch to BONDS, wher...
MARKET TO RALLY OVER OPTIMISM IN US-CHINA
TRADE NEGOTIATIONS
Investments made in 2017,
Small Caps gained 15.9%
but in 2018...
MIX WITH FOREIGN FUNDS
DON’T PANIC ON SMALL CAP DECLINE IN 2018
DOMESTIC EQUITY FUNDS - CONVENTIONAL
DOMESTIC EQUITY FUNDS -
CONVENTIONAL SMALL & MID CAP
REGIONAL FUNDS - CONVENTIONAL
REGIONAL FUNDS - ISLAMIC
CHINA FUNDS
SECTOR FUNDS
CONVENTIONAL BOND FUNDS
ISLAMIC BOND FUNDS
RETAIL MONEY MARKET FUNDS
BOND’S AVERAGE RETURN 2005-2018
BOND AND MMF BETTER THAN FIXED DEPOSIT
IF YOU HAVE HUGE FUNDS IN TRANSIT
•IF YOU HAVE HUGE FUNDS WITH UNCERTAIN DATES OF UTILISATION,
BETTER TO PUT IN E-CASH DEP...
HOW FAST CAN YOUR MONEY GROW?
RULE OF 72
Take the number 72 and divide it by
the annual rate of interest that your
money i...
$10K in Fixed Deposit 3% 72/3 = $20K in 24 years
$10K in Any (4%-6%) 6% 72/6 = $20K in 12 years
$10K in Unit Trust 8% 72/8...
IT’S EASY TO BE A MILLIONAIRE
MY FUND SELECTION
My recommendations:
Annualised Returns
PGF since 1984 7.9%
PTAF since 2007 8.88%
PFA30F since 2010 6.34%...
Important message for CEOs, CFOs, and HRDs
BE AN EMPLOYER OF CHOICE
VESTING PROGRAMME TO RETAIN AND REWARD KEY STAFF
• FLEXIBLE AND VOLUNTARY (CAN BE AMENDED OR TERM...
Additional Incentives from the government for young and old
(*employees’ contribution)
TAX RELIEF RM3,000 PER YEAR
(Save R...
INVEST NOW AND
BE REWARDED
LUCKY DRAW 1
ALL INVESTORS CATEGORY
Retail investors will receive lucky draw entry for every RM3,000
cash invested into ou...
LUCKY DRAW 2
MUTUAL GOLD CATEGORY
In addition to All Investors Category, Mutual Gold and Mutual Gold Elite
members will be...
•REGULAR INCOME FIESTA 2019
•CAMPAIGN PERIOD 1 APRIL – 28 JUNE 2019
•ENJOY SPECIAL SALES CHARGE WHEN YOU INVEST INTO OUR B...
•DIRECT DEBIT AUTHORISATION (DDA)
SIGNED UP DURING THE CAMPAIGN PERIOD
WILL ENJOY A SPECIAL SALES CHARGE OF
0.90% OF NAV P...
REGISTER FOR PUBLIC MUTUAL ONLINE
Subscribe To PMO for Easy Access to
Your Investment Portfolio 24/7
All successful applications to Public Mutual Online
(PM...
Unit Trust Investment and Transaction Requests
You can invest into new and existing funds, register for Direct Debit
Autho...
Statements and Reports
You can view your investment statements and fund reports with
ease.
Monthly and Quarterly Fund Revi...
Mutual Gold and Mutual Gold Elite Status
You can check your Mutual Gold and Elite status as well as
Mutual Gold Qualifying...
THE GURU OF INVESTMENTS
Malaysia End1Q 2019 Unit Trust Performance
Malaysia End1Q 2019 Unit Trust Performance
Malaysia End1Q 2019 Unit Trust Performance
Malaysia End1Q 2019 Unit Trust Performance
Malaysia End1Q 2019 Unit Trust Performance
Malaysia End1Q 2019 Unit Trust Performance
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Malaysia End1Q 2019 Unit Trust Performance

Investment Presentation to my UT Clients

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Malaysia End1Q 2019 Unit Trust Performance

  1. 1. A presentation by Khoo Boo Yeang dakhoos@gmail.com 0124836281
  2. 2. THE DNA OF AN ASTUTE UNIT TRUST INVESTOR: • Have a Plan • Follow the Plan • Don’t Panic Investing: A Lifetime Commitment Have a clear and consistent financial plan at each stage of your life
  3. 3. Why people lose money in Unit Trust: • Did not invest for the long term • Tried to time the market • Bought high and Sold low • Emotional • Panic • Did not do Dollar Cost Averaging
  4. 4. Build Your Fortune …. Thru DDI Direct Debit Instructions (DIAM DIAM INCOME)
  5. 5. LONG TERM VS SHORT TERM •LONG TERM INVESTORS BUY LOW AND SELL HIGH •SHORT TERM INVESTORS BUY HIGH AND SELL LOW •SPECULATORS TIME THE MARKET … USUALLY GOT BURNED
  6. 6. THE MARKET WILL ALWAYS RISE IN THE LONG RUN Currently the FBM is hovering above the lower end of its trading range (2014 - 19 April 2019) Selling now means instant loss but the market will rise in the long run. See following slides
  7. 7. DIVERSIFY IN VOLATILE MARKETS? For the conservative investors, might be a good time to rebalance and switch to BONDS, where the returns are consistent and “guaranteed” and TAX FREE From 2009 to 2019, annual returns across PMB Bonds and Money Market Funds range from 2.15 to 11.06 % and TAX FREE
  8. 8. MARKET TO RALLY OVER OPTIMISM IN US-CHINA TRADE NEGOTIATIONS Investments made in 2017, Small Caps gained 15.9% but in 2018 steep losses across the board from - 5.9% (FBM KLCI) to -33.7% (Small Caps) Year-to-date, most funds gained, although still cannot recover 2018 losses
  9. 9. MIX WITH FOREIGN FUNDS
  10. 10. DON’T PANIC ON SMALL CAP DECLINE IN 2018
  11. 11. DOMESTIC EQUITY FUNDS - CONVENTIONAL
  12. 12. DOMESTIC EQUITY FUNDS - CONVENTIONAL SMALL & MID CAP
  13. 13. REGIONAL FUNDS - CONVENTIONAL
  14. 14. REGIONAL FUNDS - ISLAMIC
  15. 15. CHINA FUNDS
  16. 16. SECTOR FUNDS
  17. 17. CONVENTIONAL BOND FUNDS
  18. 18. ISLAMIC BOND FUNDS
  19. 19. RETAIL MONEY MARKET FUNDS
  20. 20. BOND’S AVERAGE RETURN 2005-2018
  21. 21. BOND AND MMF BETTER THAN FIXED DEPOSIT
  22. 22. IF YOU HAVE HUGE FUNDS IN TRANSIT •IF YOU HAVE HUGE FUNDS WITH UNCERTAIN DATES OF UTILISATION, BETTER TO PUT IN E-CASH DEPOSIT FUND WHICH CAN BE INVESTED AND REDEEMED ANYTIME WITHOUT PENALTY •DISTRIBUTION IS DONE MONTHLY •TAX FREE •TOTAL RETURN 1-YEAR 3.71%, 3-YEAR 3.46%, SINCE 2014 3.40 %
  23. 23. HOW FAST CAN YOUR MONEY GROW? RULE OF 72 Take the number 72 and divide it by the annual rate of interest that your money is earning to determine the number of years it will take for your money to double
  24. 24. $10K in Fixed Deposit 3% 72/3 = $20K in 24 years $10K in Any (4%-6%) 6% 72/6 = $20K in 12 years $10K in Unit Trust 8% 72/8 = $20K in 9 years
  25. 25. IT’S EASY TO BE A MILLIONAIRE
  26. 26. MY FUND SELECTION My recommendations: Annualised Returns PGF since 1984 7.9% PTAF since 2007 8.88% PFA30F since 2010 6.34% PAIF since 2006 6.21% PeCDF since 2014 3.40 P BOND since 1996 6.69%
  27. 27. Important message for CEOs, CFOs, and HRDs
  28. 28. BE AN EMPLOYER OF CHOICE VESTING PROGRAMME TO RETAIN AND REWARD KEY STAFF • FLEXIBLE AND VOLUNTARY (CAN BE AMENDED OR TERMINATED ANYTIME) • TAX DEDUCTIBLE • EASY TO ADMINISTER. NO SET UP COST TO THE COMPANY VOLUNTARY MONTHLY DEDUCTION OF EMPLOYEES’ SALARY  COMPANY PROVIDE SERVICE TO MAKE EMPLOYEES’ OWN CONTRIBUTION THROUGH MONTHLY SALARY DEDUCTION
  29. 29. Additional Incentives from the government for young and old (*employees’ contribution) TAX RELIEF RM3,000 PER YEAR (Save RM250 a month?) Tax exemption on income distributed. Free insurance/Takaful coverage (exclusive for Public Mutual) Money in PRS Protected From Creditors
  30. 30. INVEST NOW AND BE REWARDED
  31. 31. LUCKY DRAW 1 ALL INVESTORS CATEGORY Retail investors will receive lucky draw entry for every RM3,000 cash invested into our equity/balanced/mixed asset funds during the campaign period and stand a chance to win the following prizes: Grand Prize 1st Prize 2nd Prize 3rd Prize Special Prize Consolation Prize 2 Economy Class Flight Tickets to London x 3 winners 2 Economy Class Flight Tickets to Tokyo x 3 winners Samsung Galaxy S10+ (128GB) x 3 winners iPad Pro (64GB) x 3 winners PlayStation 4 Pro Jet Black 2TB x 3 winners Dyson Supersonic Hair Dryer x 3 winners Xiaomi Mi AI Speaker Mini x 100 winners
  32. 32. LUCKY DRAW 2 MUTUAL GOLD CATEGORY In addition to All Investors Category, Mutual Gold and Mutual Gold Elite members will be eligible to participate in the Mutual Gold Category. Under the Mutual Gold Category, they will receive lucky draw entry for every RM30,000 cash invested into our equity/balanced/mixed asset funds during the campaign period and stand a chance to win the following amazing prizes: 2 Business Class Tickets to New York x 1 winner 2 Business Class Tickets to London x 1 winner 2 Business Class Tickets to Tokyo x 1 winner iPhone XR (128GB) x 10 winners
  33. 33. •REGULAR INCOME FIESTA 2019 •CAMPAIGN PERIOD 1 APRIL – 28 JUNE 2019 •ENJOY SPECIAL SALES CHARGE WHEN YOU INVEST INTO OUR BOND/SUKUK FUNDS DURING THE CAMPAIGN PERIOD: •INVESTMENT AMOUNT PER TRANSACTION •BELOW RM30,000 RM30,000 TO RM99,999.99 RM100,000 & ABOVE •SPECIAL SALES CHARGE FOR BOND/SUKUK FUNDS •0.90% 0.75% 0.60%
  34. 34. •DIRECT DEBIT AUTHORISATION (DDA) SIGNED UP DURING THE CAMPAIGN PERIOD WILL ENJOY A SPECIAL SALES CHARGE OF 0.90% OF NAV PER UNIT FOR AS LONG AS THE DDA IS ACTIVE
  35. 35. REGISTER FOR PUBLIC MUTUAL ONLINE
  36. 36. Subscribe To PMO for Easy Access to Your Investment Portfolio 24/7 All successful applications to Public Mutual Online (PMO) by qualified unitholders* will receive 10,000 Bonus Mutual Gold Qualifying Points (MGQP) and stand a chance to win two business class tickets to Bangkok! Qualified unitholders* will be entitled to lucky draw entry(ies) as per the table below: Unitholders No. of Lucky Draw Entry(ies) Entitlement Unitholders 1 Mutual Gold Member 2 Mutual Gold Elite Member 3
  37. 37. Unit Trust Investment and Transaction Requests You can invest into new and existing funds, register for Direct Debit Authorisation (DDA) and perform requests for redemption and switching. Private Retirement Scheme (PRS) Account Opening and Contributions You can register for PRS account opening and contribute into PRS funds. Online Enquiry You can enjoy quick and easy access to your latest account balances and transactions. BENEFITS OF PUBLIC MUTUAL ONLINE (PMO)
  38. 38. Statements and Reports You can view your investment statements and fund reports with ease. Monthly and Quarterly Fund Reviews You can access our monthly and quarterly fund reviews reports which provide fund performance, commentary, economic updates and market outlook. BENEFITS OF PUBLIC MUTUAL ONLINE (PMO)
  39. 39. Mutual Gold and Mutual Gold Elite Status You can check your Mutual Gold and Elite status as well as Mutual Gold Qualifying Points (MGQP). Profile Maintenance You can update your contact details and register your bank account without having to fill in forms. You can also change your distribution instruction for your accounts. BENEFITS OF PUBLIC MUTUAL ONLINE (PMO) Subscribe to PMO at www.publicmutual.com.my
  40. 40. THE GURU OF INVESTMENTS

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