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      GuidesSaving & InvestingUnit TrustUnit Trust
      • Introduction 1

        • Lecture1.1
          Summary
      • How do you choose the right unit trust for you? 4

        • Lecture2.1
          Step 1: Find out credibility of fund
        • Lecture2.2
          Step 2: See how much risk the fund carries
        • Lecture2.3
          Step 3: Look at fund performance
        • Lecture2.4
          Step 4: Find out what fees are involved
      • 7 TIPS ON INVESTING IN UNIT TRUSTS 8

        • Lecture3.1
          Compare returns to its relevant index
        • Lecture3.2
          Watch out for high fees
        • Lecture3.3
          Don’t time the market
        • Lecture3.4
          If you choose to invest in unit trusts, hold for the long term
        • Lecture3.5
          There is always a risk of losing money
        • Lecture3.6
          Don’t forget to diversify your investments
        • Lecture3.7
          Remember, unit trust companies and consultants are there to sell you a product. It’s up to you to do your own research
        • Lecture3.8
          Quiz: Unit Trust

        Step 3: Look at fund performance

        To understand how well (or not) a fund is managed, it’s best to look at the fund’s 3 or 5-year performance.  

             

        For example, the chart below shows the 6-month Net Asset Value (NAV or basically, the price) of a sample unit trust fund. It shows that overall, the fund has performed well. 

         

         

        Step 3: Look at fund performance 1 - Multiply -

         

        Source: Morningstar

                    

             

        However,  if we take a look at the 3-year NAV chart, we could say that the fund hasn’t performed well.

         

         

        Step 3: Look at fund performance 3 - Multiply - 

         

        Source: Morningstar

                         

         

        How do you find this information? Use Morningstar’s Fund Tools , go to Funds to Explore and click on the Performance tab. 

         

        Again, what you’ll see are six columns, but the only one you really need to focus on is the last one:  3 or 5 Year Annualised Return. Clicking on either of these columns will sort it for you in order of performance so that the highest numbers are right at the top of that list. 

         

         

        Step 3: Look at fund performance 5 - Multiply -

         

         

        Here’s a simplified version of the information. You’ll see two pieces of key information: the risk profiles of funds and the returns those funds have made over a 3 and 5-year period. Click here.

         

        Fund Name

        Risk Profile

        3 Year Annualised Return, MYR, % 5 Year Annualised Return, MYR, %
        AmChina A-Shares

        High

        16.85

        24.84

        TA Global Technology

        High

        19.71

        17.07

        Manulife Investment – India Equity

        High

        14.86

        16.41

        Franklin US Opportunities USD

        High

        17.25

        15.74

        CIMB-Principal Greater China Equity

        High

        18.48

        15.66

        PB China Pacific Equity

        High

        15.87

        15.41

        Public China Select

        High

        15.77

        14.07

        Asian Strategic Orient A

        Low

        10.78

        13.98

        Asian Strategic Orient B

        Low

        10.78

        13.98

        Asian Strategic Long Term A

        Low

        10.48

        13.86

        Asian Strategic Long Term B

        Low

        10.48

        13.86

        RHB Asian Real Estate

        High

        15.91

        13.51

        Manulife Investment US Equity

        High

        14.94

        13.47

        RHB China-India Dynamic Growth

        High

        12.62

        13.45

        Manulife Investment Asia-Pacific REIT

        Mod

        12.26

        13.37

        Public Far-East Alpha-30

        High

        14.82

        12.68

        RHB Big Cap China Enterprise

        High

        13.21

        12.61

        CIMB-Principal China-India-Indonesia Eq

        High

        14.64

        12.5

        Eastspring Inv Dinasti Equity

        High

        15.58

        12.5

        Advantage BRIC

        High

        16.91

        12.38

        PB China ASEAN Equity

        High

        13.11

        12.14

        Manulife Investment Greater China

        High

        15.53

        12.02

        Pacific Focus China

        High

        15.19

        11.61

        AmPan European Property Equities

        High

        8.31

        11.53

        CIMB-Principal Asia Pacific Dynamic Inc

        High

        14.06

        11.09

        Franklin US Opportunities MYR

        High

        15.25

        11

        Public China Titans

        High

        15.51

        10.85

        CIMB-Principal Global Titans

        Mod

        10.87

        10.72

        Public Tactical Allocation

        High

        11.35

        10.61

        CIMB-Principal Asian Equity

        High

        11.93

        10.59

        AmGlb Property Eq

        Mod

        8.06

        10.51

        Manulife Investment AsiaPac ex Jpn RM

        High

        10.53

        10.31

        PB China Australia Equity Fund

        High

        11.3

        10.2

        AmAsia Pacific REITs B MYR

        –

        7.71

        10.03

        Areca EquityTRUST

        High

        13.7

        10.02

        Public Far-East Select

        High

        12.17

        9.79

        Public Far-East Dividend

        Mod

        10.81

        9.78

        Manulife China Equity

        High

        10.84

        9.56

        AmCumulative Growth

        Mod

        12.28

        9.41

        Affin Hwang Absolute Return II-MYR

        Mod

        9.01

        9.36

        RHB Leisure, Lifestyle & Luxury

        Mod

        8.19

        9.35

        Public Global Select

        Mod

        11.14

        9.33

        Advantage Asia Pacific ex Japan Div

        Mod

        13.2

        9.16

        Public China Ittikal

        High

        11.77

        8.96

        RHB Asian Income

        Low

        7.94

        8.6

        Affin Hwang Wld Ser Jpn Growth MYR H

        High

        9.72

        8.52

        Eastspring Inv Asia Select Income

        Low

        9.08

        8.51

        Affin Hwang Select Asia ex Jpn Opp

        High

        11.26

        8.4

        Eastspring Inv Global Emerging Markets

        High

        12.76

        8.36

        Source: Morningstar. Data is correct as of 27/05/2019

        Prev Step 2: See how much risk the fund carries
        Next Step 4: Find out what fees are involved

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