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发表于 15-2-2013 07:46 PM
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发表于 15-2-2013 07:48 PM
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alexsuen 发表于 15-2-2013 06:54 PM 
annnual mangement fee是指这个吗？
没有upfront fees 的基金？给 sample 看看
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发表于 15-2-2013 07:50 PM
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bigmac5 发表于 15-2-2013 07:48 PM
没有upfront fees 的基金？给 sample 看看
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发表于 15-2-2013 08:08 PM
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alexsuen 发表于 15-2-2013 07:50 PM
不是过了promotion period 吗?
最新的。。。。
http://www.cimbclicks.com.my/unitrust_intro.htm
网上找到的资料。。。第一次买你还是要给 5%-6%up front fees 。 然后才转去cimb click... 之后的买卖才可以享有promotion service charge 不是吗？
本帖最后由 bigmac5 于 15-2-2013 08:24 PM 编辑
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发表于 15-2-2013 08:24 PM
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发表于 15-2-2013 08:27 PM
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发表于 15-2-2013 08:28 PM
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alexsuen 发表于 15-2-2013 08:24 PM
是过了promotion
我是贪方便才用回旧图
原图：http://cforum.cari.com.my/forum.php?mod=redir ...
拿bond ,money market fund 的service charge vs etf？
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发表于 15-2-2013 08:32 PM
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发表于 15-2-2013 08:36 PM
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发表于 15-2-2013 08:42 PM
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发表于 15-2-2013 08:46 PM
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果然是有
Terms & Conditions
Statement & Declaration by Client (s)
1. I/We have read and understand the terms and conditions governing CIMB Bank Investment Services which shall form an integral part of this Agreement, and also the relevant Fund's prospectus, a copy of which has been given to me/us. I/We agree to be bound by the terms and conditions governing CIMB Bank Investment Services as may be amended from time to time.
2. I/We undertake to observe and be bound by the provisions of the Deed (as amended from time to time) constituting the relevant Fund.
3. I/We understand that unit in the relevant Fund and the relevant Fund are not Bank deposits and are not endorsed or guaranteed by and do not constitute obligations of CIMB Bank Berhad.
4. I/We/Our company understand that investments are not bank deposits or obligations of or guaranteed by CIMB Bank Berhad or any of its affiliates or subsidiaries and is subjected to risk including possible loss of principal amount invested.
5. I/We understand that past performance of any Fund is not a guarantee of its future performance and that the value of any Fund or the dividends from them, if any is declared, may go down as well as up
6. I/We authorize CIMB Bank Berhad to reinvest all the dividends, if any is declared, in the same Funds as shall have paid such dividends.
7. I/We hereby irrevocably permit and authorize CIMB Bank Berhad to disclose to such persons/entity as CIMB Bank Berhad may think fit or necessary information regarding my/our particulars and other particulars of my/our accounts with CIMB Bank Berhad and particulars of all my/our transaction with or through CIMB Bank Berhad.
8. All investment are made solely by me/we/my company in my/our/our company's judgment and at my/our/our company's own risk.
9. Nothing in CIMB Bank Berhad's brouchures or investment reports will be construed by me/we/my company as your investment advice as regards the relative attractiveness of one investment option over another.
10. Any information given under the CIMB Bank Berhad is for reference only. The bank shall not liable or responsible for the sufficiency, or accuracy of the information so given.
11. I/We/Our company have advice to read and understand the contents of the prospectuses before investing in Unit Trust.
12. I/We/Our company are in possession of the facts and contents or the Prospectuses of the relevant unit trust and agree therewith.
13. I/We/Our company have been advised to note and consider fees and charges involved in buying and selling units.
14. I/We/Our company understand that insurance coverage in the prospectus, if any, is NOT applicable.
15. Where the relevant Fund is stated to be a guaranteed fund i.e. capital guaranteed or returns on investment guaranteed, I/We understand that I/We must hold the investment till its maturity. In the event of early redemption of units before the fund maturity date, I/We shall not be entitled to receive any benefits under the guaranteed Fund and the amount receive by me/us after the pre-mature redemption may be less than my/our initial investment due to market adjustments. Additionally, we shall be liable to pay a redemption fee stated in relevant prospectus for that particular said fund.
Note:
a. If you are currently holding certificate(s) for the investment and the certificate(s) is/are not returned to us in respect of your realization, transfer and switching certificate(s) will automatically be deemed as cancelled and the physical certificate(s) shall thereafter be considered null and void.
THE TERMS AND CONDITIONS GOVERNING THE PROVISION OF
CUSTODIAL SERVICES BY CIMB BANK BERHAD
1. Provisions of the Custodial Services
1.1 CIMB BANK BERHAD (Company No. 13491-P) (formerly known as Bumiputra Commerce Bank Berhad), a licensed bank incorporated in Malaysia under the Companies Act, 1965 and having its place of business at [Level 3, Menara Southern Bank, 83 Medan Setia 1, Plaza Damansara, Bukit Damansara, 50490 Kuala Lumpur] (hereinafter referred to as 'CIMB') may at its sole and absolute discretion, provide the custodial services hereinafter referred to ("Custodial Services" to the Customer desirous of holding, subscribing, switching, transferring or redeeming of Units in any Fund. CIMB may from time to time agree with the Customer to act on the instructions of the Customer for holding, subscription, switching, transfer or redemption of Units, the processing of such transactions and the provision of the Custodial Services.
1.2 By affixing the Customer's signature to these terms and conditions, the Customer confirms, warrants and declares to CIMB that the Customer shall be bound by the terms and conditions hereincontained in connection with the provision of Custodial Services and/or the acquisition and/or sale of any Units by the Customer.
1.3 Any application for the holding, subscription, switching, transfer or redemption of Units may be made by completing and signing the relevant CIMB Form or in such other manner as CIMB may make available to the Customer for holding, subscription, switching, transfer or redemption of Units such as applications by use of Electronic Services or Internet applications provided the relevant legal requirements and any other condition imposed by CIMB from time to time are complied with.
1.4 CIMB will make available to the Customer the most recently published editions of Prospectus issued by or relating to one or more Fund and other materials supplied by the Managers of the relevant Fund such as the latest annual reports and semi-annual reports (if available) of the relevant Fund.
2. Instructions for Holding, Subscription, Switching, Transfer or Redemption of Units or Fund Investments
2.1 CIMB will on behalf of the Customer (whose identity will not be disclosed to the Managers of the Fund) place orders or send requests for holding, subscription, switching, transfer or redemption of Units for the Customer upon receipt of duly completed relevant application and payment (of cleared funds) from the Customer in relation to holdings, subscriptions, switchings, transfers or redemption of Units by Customers.
2.2 Applications for holdings, subscriptions, switchings, transfers or redemptions of Units by Customers may be aggregated and consolidated either daily or from time to time by CIMB and such orders or requests will be placed or sent by CIMB to the relevant Manager of the Fund.
2.3 When CIMB has placed an order (consolidated or otherwise) for the subscriptions of Units or for switching of Units with the relevant Manager of the Fund the Manager of the Fund will issue the relevant Units to and register the Units in the name of CIMB. The Units so issued will be allotted or allocated among the relevant applicants in any order or manner as CIMB determines.
2.4 Payment of the subscriptions monies and/or all monies required for holdings, subscriptions, switchings, transfers or redemptions, and/or any fees, costs or any other expenses which the Customer is liable to pay under these terms and conditions, shall be made in available and freely transferable cleared funds.
2.5 Where the Customer makes payment by cheque or cashier's order or bank draft or any other negotiable instrument, the date of payment shall be the date when such instrument is cleared and full payment is finally received by CIMB, except in those cases where CIMB determines that the date of payment is or shall be the date in which such instruments are delivered to CIMB and deems the fund to be in freely transferable cleared funds.
2.6 Where the Customer makes payment by cheque or cashier's order or bank draft or any other negotiable instrument and the drawee of such instrument refuses to pay, the Customer undertakes to make good the payment and pay expenses incurred thereon. If CIMB has already deemed the fund to be in freely transferable cleared funds and placed the order, the Customer irrevocably authorises CIMB to sell the Units back to the Fund or Manager and also undertakes to pay CIMB the shortfall (if any) and all expenses and losses (if any) incurred or suffered by CIMB in selling the Units back to the Fund or the Manager of such Fund.
2.7 Where the Customer agrees to make payment by way of direct debit of the Customer's account with CIMB, CIMB is irrevocably authorized without further instructions from the Customer to debit against the Customer's account all monies required for holdings, subscriptions, switchings, transfers or redemptions, and/or fees and expenses payable by the Customer. The Customer undertakes to maintain or make arrangement with CIMB to have at all times sufficient funds for making such payments or debits. Should there be insufficient funds in the relevant account of the Customer for making such payments or debits, CIMB shall be entitled to reject or refuse to carry out the Customer's instructions. CIMB is entitled to impose interests and charges at their usual rates and in accordance with the standard practice, on such overdrawn accounts until full payment. CIMB may sell or cause to be sold the Units owned beneficially by the Customer and set off or transfer funds from other accounts maintained by the Customer with CIMB in settlement of such debts owing to CIMB.
2.8 Redemption proceeds received by CIMB will be paid or credited in the manner specified in the application. The redemption proceeds will be net of any fees, charges or expenses incurred in connection with the redemption. CIMB is not obliged to ascertain the adequacy of the redemption monies received.
2.9 Any payment made by CIMB pursuant to any instructions signed or made or purporting to be signed or made by the Customer or the Customer's authorised signatory shall be a complete discharge and will absolve CIMB from any liability to the Customer or to any other party.
超过字数限制，
贴不完........................................ |
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发表于 15-2-2013 09:00 PM
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alexsuen 发表于 15-2-2013 07:46 PM
跟着指数酱啰...
不过收费比基金便宜十倍左右
可以看到即时价钱买卖
可能还新，而且近一两年的KLCI都是冲着上，所以从MS的数据看来，其实表现平平而已……
收费可以是一个优势吧！
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发表于 15-2-2013 11:42 PM
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发表于 16-2-2013 10:16 AM
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alexsuen 发表于 15-2-2013 11:42 PM
如果真的拿bond fund跟etf比会是怎样呢？
ETF
如果你拿一段时间的表现，是不是代表着多数的投资者都拿到类似的回酬？
如果以Index 1600掉到 1500 再反弹到 1610， 可能回酬是1% plus. 也有可能是6－ 8%++
前面我有讲解大概这段时间，我没有持有任何etf... 因为我认为普遍 1600以上是大马股市的peak,现在投资etf 可以讲没有任何甜头，因为股市都是在在1600以上横摆。。。还有来临的大选可能有更多的impact，我手上没有任何股票。reit 也卖到完了。。。。现在只是在放在trading account 吃利息。。
投资不是看长远的吗?我个人认为，投资成本也是一个重要的原因不是吗？还有清楚了解自己在投资什么
本帖最后由 bigmac5 于 16-2-2013 11:04 AM 编辑
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发表于 16-2-2013 01:49 PM
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发表于 16-2-2013 04:23 PM
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alexsuen 发表于 16-2-2013 01:49 PM
如果拿五年表现最佳和最差本地股票型UT和ETF比较又是怎样呢？
fundsupermart，当你要卖基金的时候有charges.
http://www.fundsupermart.com.my/ ... 0urUCFU8a6wodlQ8ArA
performance chart 是一笔投资来看。。。 如果average cost, monthly top up , 数目不同，结果又不同， 不能一概带过。。。
我个人喜欢etf 是因为投资简单。。。。还有投资成本低
本帖最后由 bigmac5 于 16-2-2013 04:31 PM 编辑
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发表于 16-2-2013 04:50 PM
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发表于 12-3-2013 10:10 PM
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alexsuen 发表于 15-2-2013 06:54 PM
annnual mangement fee是指这个吗？
不好意思，我想请问。
1.
这项是什么意思，水钱的意思吗？可以给个例子吗？
2.FTSE Bursa Malaysia KLCI ETF 要在哪里买？ 买的水钱怎样算？
3.FTSE Bursa Malaysia KLCI ETF卖出去容易吗？
之前查过一些文章，讲它的交易量不高，所以它像股票那样，要有人接货才卖的出去？
4.它可以随时网上买卖吗？有另外收费吗？
谢谢！
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发表于 12-3-2013 10:35 PM
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发表于 12-3-2013 11:04 PM
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wengsao 发表于 12-3-2013 10:10 PM
不好意思，我想请问。
1.
这项是什么意思，水钱的意思吗？可以给个例子吗？
1--EXPENSES RATIO 是费用占投资的百分比
在基金投资，如果是1%，代表100元里中抽取1%作为开销费用，不过所有基金回酬都是已经扣除开销（除了开始第一次投资时的服务费，这不算是基金开销，是销售开销），
投资者看见的是净利。基本上，开销是合理的，不需要太担心
3--.FTSE Bursa Malaysia KLCI ETF卖出去容易吗？
之前查过一些文章，讲它的交易量不高，所以它像股票那样，要有人接货才卖的出去？
答：是确实交易量不高，买卖不容易，是需要有人接货才卖的出去，冷门的话，买卖双方的出价通常会差距大，看看双方哪一方忍不住妥协，接受对方的出价
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