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Wednesday, June 14, 2017

5 Best Performing Unit Trust Funds in Past 10 Years

When it comes to Unit Trust Funds, what is your common perception towards the return? Well, most people would have different answer depending on their personal past experience. Given to the wrong hand of those bad apples will surely yields you a bad return with your hard earned money. So, are you getting the best funds from the market? 


Table from Morningstar


Let's take a look at the 5 Best Performing Unit Trust Funds over the past 10 years out of 540 funds available in Malaysia. You can invest into any of it with minimum of RM1,000, some can even start as low as RM100



Affin Hwang Select Asia (Ex-Japan) Quantum Fund (AHSAQF) seeks to achieve consistent capital appreciation over medium to long-term by investing mainly in growth companies in Asia with market capitalization of not more than USD 1.5 billion at the time of acquisition. The fund has a 10-Year annualized return of 15.32%. However it is currently soft-closing as it almost reaches the maximum fund size, so cash investment is no longer available, but you may still invest in it using EPF Withdrawal. 



Kenanga Growth Fund (KGF) aims to provide Unit Holders with long-term capital growth by invest principally in a diversified portfolio of equity and equity-related securities in Malaysia. Lee Sook Yee is the fund manager as well as the Chief Investment Officer (CIO) since 2013, bringing with her more than twelve (12) years of experience in local and regional equities investment. The fund has a 10-Year annualized return of 14.51%. You can start investing in it as low as RM100



Eastspring Investments Small-cap Fund (EISCF) targets to provide investors with maximum capital appreciation by investing principally in small market capitalization up to RM3 billion at the point of acquisition companies in Malaysia which will appreciate in value. The fund led by Chen Fan Fai, where the team continue to adopt a bottoms-up approach in selecting stocks where they prefer stocks with healthy earnings growth and strong balance sheet. The fund has a 10-Year annualized return of 14.02%. However, it is no longer available to invest as it reaches the maximum fund size limit. 



Manulife Investment Progress Fund (MIPF) strives to provide Unit Holders with steady long-term capital growth at a reasonable level of risk by investing in a diversified portfolio of small- to medium-sized public listed companies in Malaysia. Nicholas Tiong is the fund manager since 2002. The fund has a 10-Year annualized return of 12.26%.



Public Smallcap Fund (PSCF) works to achieve high capital growth through investments in companies with market capitalization of RM1.25 billion and below with special focus on growth stocks. To achieve increased diversification, the fund may invest in foreign markets. The fund may also invest in fixed income securities to generate additional returns. The fund has a 10-Year annualized return of 12.16%. However, it is no longer available to invest as it reaches the maximum fund size limit.



***Noteworthy - KAF Vision Fund (KVF)'s  investment objective is to provide Unit holders with medium to long-term capital growth with a mixture of maximum 65% of the Fund’s NAV will be invested in smaller capitalized companies not exceeding RM1 billion at the time of purchase and maximum 30% of the Fund’s NAV in larger capitalized companies exceeding RM1 billion at the time of purchase. The fund has a 10-Year annualized return of 10.46%.


Did you invest any of these?

Conclusion:
Take note that the only 4 funds, namely AHSAQF, KGF, EISC and KVF managed to get DOUBLE-FIGURE annualized return for all 10-year, 5-year, 3-year, 1-year and even Year-To-Date! Although past performance does not guarantee the future return, but judging from the past performance of the fund, one can tell how good is the fund manager in their investment approach, stock selection methodology and even how efficient is the fund manager utilizing the pool of funds from investors. (provided that there is no change in management) 


Anyway, this post is just to show that Unit Trust Fund can yields high return as well (does not indicate any buy recommendation), provided that you have done your research and analysis on which fund to invest in. If the fund recommended by your agent is still not performing after a long period, the reason can only be one - your agent is not managing for you! Time to hire #YourFinanceDoctor!

31 comments:

  1. Indeed a great fund to invest with the high returns. Will check this out.

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    Replies
    1. great! remember to always check from a neutral/unbiased platform - morningstar or even Lippers!

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  2. new info for me about unit trust funds performing . tq ya

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    1. you are most welcome Salina, yes a lot of people have bad experience with UT and hence thought that all are bad too.

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  3. Good information given esp to those who wants to invest at least can refer to your story...

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    Replies
    1. yes UT is just another investment vehicle that help us to reach our financial goals.

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  4. Wow good information, 2 digit return is considered good for investment, at least it covers the inflation.

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    1. yes you are right Nuha, keeping in FD is no longer enough given the high inflation cost.

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  5. nice info..saving + invest is a MUST..

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  6. Good info uni trust now kat Malaysia dah makin dapat perhatian saya pun dah melabur kat sana hehehehe..

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    1. which UT you invested in? are they one of them mentioned above? if yes congrats to you!

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  7. I only have public mutual..
    Will start doing some research on d platform u mentioned here

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    1. yes Alia, you should! don't settle for less when you can have more! ;)

      YourFinanceDoctor

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  8. thanks i hope it is helpful for you!

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  9. tbh tak pernah selidik pun pasal benda ni, thankyou for sharing. will check it out later

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  10. Need to do more research and get more info before someone decide to invest in which UT. For sure the high return and safe investment the most thing to consider.

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  11. Paling tertarik pada pelaburan. Sebelum ni tak tahupun dia punya pulangan tinggi. Terima kasih atas perkongsian yg menarik dan tertarik saya.

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  12. got know idea about this... but know .. i know something... thanks for sharing

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  13. Thanks For Sharing!
    I think you missed out one.
    THat's HUSBAND FUND (HIGH RETURN)....

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  14. I am planning to tak eunit trust as well. Still searching but thinking about taking CIMB one

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  15. i think ASB pun okay yang atas mentioned tu tak ada in my fav list hehehehe, memang nak buat simpanan

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  16. Nice sharing, tapi x ada duit lebih nak labur. Just ada ASB sahaja. Ada sikit dlm Kenanga tapi x banyak pun so return pun x byk le..hehehe

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  17. Good info for those who love to invest...

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  18. Good info... terima kasih atas pengkongsian ini, memang bagus jika pandai melabur.. pulangannya besar bergantung pada modal kita juga...

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  19. Informasi yang bagus. Nanti boleh fikir nak melabur yang mana satu. Selalu juga dengar nama Kenanga tu. Ingatkan femes aje. Tapi dipercayai juga.

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  20. Only have Public Mutual only. Tak sangka dengan serendah RM100 pun boleh melabur di KGF. Kena start invest dah ni. Thank you for infos

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  21. Always wanted to invest to something, still learning. Thanks for the tips.

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  22. As a muslim, nak melabur ni kami kena tengok daripada pelbagai sudut. Ada tak pelaburan di atas yang bersifat islamik @ tak melabur pada benda yang tak dibolehkan dalam agama kami? Memang minat sangat nak melabur..

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  23. Before going into how such blogs and websites can help you in increasing your blog or website page rank, lets throw some light on the concept behind DoFollow and NoFollow. CF blog comments

    ReplyDelete

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