Risau tentang kos yuran unit trust?


Salah satu faktor yang menyebabkan orang ramai elakkan diri dari masuk unit trust adalah kerana yuran @ cas yang dikenakan oleh syarikat.

Tapi betul kah yuran yang dikenakan adalah faktor penting yang menentukan anda untung atau rugi dalam pelaburan anda?

Jawapannya TIDAK.

Walaupun membayar yuran kepada syarikat, anda boleh dapat keuntungan yang baik sekiranya anda “stick to the right strategies”.

Sememangnya syarikat2 UT mengenakan yuran utk membayar komisen agent, fund managers dan kos operasi syarikat, kalau tidak, macam mana syarikat akan terus hidup, macam mana nak bayar gaji fund managers. mcm mana agent2 akan terus kekal dalam industri ini sekiranya komisen yang diperolehi terlalu sedikit?

Sekarang ni saya sedang membaca buku yang bertajuk Retirement-Solutions-Financial-Strategies-Retirees

Saya akan share sedikit maklumat tentang perkara ini. Menurut penulis buku tersebut yang berpengalaman luas dalam bidang perancangan kewangan di Amerika, kos yang paling mempengaruhi keuntungan anda di masa hadapan dipanggil “PERSPIRATION COST”.

The “Perspiration Cost” As I mentioned at the beginning of the chapter, the biggest cost investors pay is little discussed. I call it the Perspiration Cost. Without question, investors pay more in Perspiration Costs than all the other costs and fees combined. The tragedy is that this cost can be completely avoided. Let’s look at the Perspiration Cost and how you can keep it from ruining your investment returns. For over a decade, a research firm named Dalbar, Inc. has conducted a study that compares the actual return of individual investors with the market indexes. Over and over the research has concluded that, on average, individual investors severely underperformed the markets.

The latest study, conducted in 2011, looked at the previous 20-year period. During that time, the S& P 500 advanced at an average annual compounded return of 8.2 percent. The study also found do-it-yourself no-load investors earned an average annual rate of return of 3.17 percent. In other words, these investors would have been better off keeping their money in money market accounts. They would have earned more money without assuming any of the risk. Where did most of the market returns go? Perspiration Cost. So why do I call this the Perspiration Cost? When an investor looks at his portfolio and starts to perspire, the next decision will in all probability cost a lot of money.

An example best illustrates the principal. Let’s look at Bob and his portfolio. Bob has a simple portfolio with two mutual funds, Fund A and Fund B. After the first year of investing, I received a phone call from Bob. “Michael,” he said, “I was just looking over my portfolio, and I see that you were right on target with Fund A. Man, has it soared or what! I can’t believe how much money I’ve made on that investment! On the other hand, I was looking at Fund B. It hasn’t lost any money, but compared to Fund A, it hasn’t done well at all. Michael, I think we should ….” What do you think Bob said next? “ Michael, I think we should move all of Fund B into Fund A.” Bob is by no means unusual. It is in our nature to want to move toward success. Most all of us are a little bit greedy. Herein lies the problem. Bob looked at his portfolio and started to “perspire” with greed. He began thinking, “Oh man! If I had put all of my money in Fund A, think of how much more money I would have right now!” Unfortunately, when you look at your portfolio and start to perspire, that’s when you’re about to make a bad investment decision. So now let’s assume that , against my warnings, Bob moved his assets from Fund B into Fund A.

Over the next year, Fund A lost money while Fund B grew. At the end of the next year, I received another call from Bob. “Michael, you know what? You were right. Last year, when I said that we should move everything to Fund A, I was wrong. I made a mistake. Now I wish I had not moved my money. Look at how much money I’ve lost! I’m so tired of losing money. You know what I think we should do? I think we should ….” Again, Bob looked at his portfolio and started to perspire. This time, instead of perspiring with greed, he’s perspiring with fear. He started thinking , “Oh my goodness! If this fund continues to go down, I’ll lose everything. I could be ruined! I better cut my losses here.”

For most people, the emotion of fear is more powerful than their feeling of greed. When the market becomes volatile , people pay tremendous amounts of money in Perspiration Costs. They panic and jump ship at just the wrong time. Of all the costs investors pay, the Perspiration Cost is the highest. It is not uncommon for an investor to lose more to Perspiration Cost in one year than to all the other combined costs he would pay over his entire lifetime!

Kesimpulan, kalau pun anda letak duit di syarikat yg tak ambil service charge, tak semestinya duit anda akan jadi lebih byk dr orang yang letak duit di syarikat yang kenakan service charge. Anda mungkin akan buat keputusan yang salah yang menyebabkan anda rugi atau untung sikit,

UTC tugasnya adalah untuk update pelabur ttg investment, ingatkan pelabur untuk tambah pelaburan supaya duit boleh berkembang lebih banyak, dan nasihat pelabur apa yang patut. Kita taknak jadi mcm pelabur dalam cerita di atas ni.

Tapi kalau anda rasa anda tak boleh bekerjasama dengan agent UT anda, agent nasihat apa pun anda taknak dengar, baik lah anda tak payah melabur, penat je bayar service charge..hehe

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