Unit Trust Funds

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Jack Said:

Are there any advantages of Unit Trust (Mutual) tracker funds over ETF's which track the same index?

We Answered:

ETF's have to keep the same ratios of underlying investments as the Index. Unit trusts have to keep a certain balance of its assets in cash. Normally 5%. AS a result unit trusts don;t keep the same underlying investments as the index it tracks, therefore it is possible for the Unit trust to outperform the index. The ETF will always track the index. Also Unit trusts charge fees.

Dora Said:

I have been withdrawing my Fixed Deposits because of low interest rate and investing in unit trust Funds?

We Answered:

I think you should discuss this with a LICENSED/REGISTERED financial consultant before doing anything.

Yes, the inflation rate is higher than the interest you will get at a bank. HOWEVER... there are way to many variables to determine from that little bit of information whether Unit Trust funds are for you. I do believe these are similar to "Mutual Funds" here in the States and tend to be long term, low risk investments - but can be aggressive risky ventures. Risk tolerance is th keyword here.

Make sure the firm and the Fund manager is on the up and up. Do your homework!!! You are giving this person your money. You should know who they are and know the company they work for.
The bank you have your money in now likely offers free financial consultation. Start there and then get other professionals' advise in and around where you live.

Rosemary Said:

why does any investment into a unit trust have to have a life insured on it?

We Answered:

I am Mrs Sara Edward when i was in need of a loan $28,000 and a friend introduce me to Mr Roland Ken ,and he lend me the loan without any stress.you can contact him via email rolandkenloanfirm@yahoo.com

Heidi Said:

is unit trust a good investment? what are the good funds in malaysia?

We Answered:

It is not 100% safe. Unit trusts are share purchases and so your investment can go up or down. They buy a basket of shares, so overall your risk is much lower than if you bought shares in a single company. However this also means your potential gain is also reduced. However it is usually a good long term investment and you should be relatively safe with a better return than bank interest. I don't know enough about the Malaysian markets to advise you in any more detail.

Tamara Said:

what is the difference between stocks,unit trust,funds and forex trading?? and how do i learn more bout them.?

We Answered:

Learning the basics of fundamentals and technical analysis so you will be more informed in your investments. You can find all the basic info you need to learn on websites for free.
This site should give you a good start.
http://finance.yahoo.com/education

If your current/future employer offers an employee 401k plan. Invest up to the matching % of your employers contribution. If plan offers an election to invest in a money market fund you may want to invest in it until you learn more. Next invest in a Roth IRA up to the max allowed(yearly). If you then have more money to invest, go back to your 401k plan and invest the max allowed(yearly). So after you do all the above and want to invest more you should be able to decide how. Only invest money that you can afford to lose. Making some quick money is nice but if you lose it, it gets right ugly.

You may also think about ETF's instead of mutual funds, stocks. and options.
http://finance.yahoo.com/etf

Try what you learn on demo sites. They can be a very fun but educational way to learn from mistakes. If you pick 75% right with play money then you might be ready to start slowly investing.
http://simulator.investopedia.com/
http://simulator.zacks.com/
http://www.fxcm.com/open-free-100k.jsp
http://www.alpari-idc.com/en/metatrader4â€¦
Or just google for more.

I use Lightning Strikes Trading System for trading in any time frame and it works on forex, stocks, bonds, etf's, mutual funds, etc... They have 3 free training sessions a week and you don't have to buy the software to join in the live chat and text. You can even watch some recorded past live sessions. Here are some past charts that I used.
http://f1.grp.yahoofs.com/v1/MB16R0zjjaZâ€¦
http://f1.grp.yahoofs.com/v1/MB16RxjOUQtâ€¦
There are 7 indicators (2 short, 2 medium, and 3 long term) and if volume is reported another one is added (on balance volume). Plus whatever time-frame is used the 2 green horizontal lines are the support and resistance for that time frame. So when indicators are all touching the bottom price is at or very, very near support. At top is at or very, very near resistance. Which helps my entry/exits and risk/reward ratio.
http://f1.grp.yahoofs.com/v1/MB16R9Wv-wtâ€¦
http://f1.grp.yahoofs.com/v1/MB16R9wSKdVâ€¦
http://f1.grp.yahoofs.com/v1/QCt6R2fYIj6â€¦
http://f1.grp.yahoofs.com/v1/QCt6R3R0VQeâ€¦
If you can not view charts above I can email them.

Here are my favorite sites.

http://stockcharts.com/
Has basically all you need from fundamental to technical terms. Plus stock screens, charts, public chart lists, and much more useful info.

https://www.fidelity.com/
Has good learning resources.

http://moneycentral.msn.com/home.asp
In addition to yahoo finance.

http://www.reuters.com/
For news and more.

http://www.marketwatch.com/default.aspx
For news and more.

http://www.valueprime.com/index.php
For rating stock risk/reward ratio and reports.

http://www.barchart.com/
For investing in more than stocks.

http://www.investopedia.com/
For more great learning tools.

http://www.lightninglive.com/
For best software timing your entry/exits any time frame for day traders and long term investors.

Others worth exploring.
http://www.equis.com/
http://www.stockta.com/
http://www.secform4.com/

Best Wishes,
Burt Whitley

Charlotte Said:

in britain, do unit trust/mutual funds operate independtly or commercial bank provide such service?

We Answered:

Both. For example Barclays Bank have their own Unit Trusts/mutual funds

Bertha Said:

When are the value of unit trusts/funds calculated?

We Answered:

The bid price of units held are calculated as at 12pm close of business on each working day. If you phoned a provider for a valuation on your funds, they would give you the value as at 12pm on friday. Hope this helps

Unit Trust Funds

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