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Thursday, March 24, 2011

Comparison - Uni Gold & General Fund, AmPrecious Metal & OSK-OUB Gold & General Fund


Comparison
Fund NameUni Gold & General Fund
Shariah CompliantNo
TypeFeeder
PortfolioGold, Precious Metal, Energy, Materials & Cash
Launch Date6 September 2007
Launch Price0.5000
Total Unit Sold (till Nov 10)22.88
Initial Minimum Investment2,000.00
Entry Charge (With Fund)5%
Entry Charge (With FSM or eUT)N/A
Other Charge (Insurance) every year until 6th year (60,50,30,30,20&20%)Less than 10,000, 300x60%
Other Charge (With Agency)RM500
Monthly Service Charge
Management Fee1.50%
NAV (22 March 2011)0.6505
Performance (launch - todate)30.10%
Performance (Oct 09- Oct 10) 1 Year15.67%
Fund NameAmPrecious Metal
Shariah CompliantYes
TypeFeeder
PortfolioGold, Precious Metal, Minerals & Cash
Launch Date15 November 2007
Launch Price1.0000
Total Unit Sold (till Nov 10)73.29
Initial Minimum Investment1,000.00
Entry Charge (With Fund)5%
Entry Charge (With FSM or eUT)2%
Other Charge (Insurance) every year until 6th year (60,50,30,30,20&20%)N/A
Other Charge (With Agency)N/A
Monthly Service Charge
Management Fee1.80%
NAV (22 March 2011)0.9464
Performance (launch - todate)-5.36%
Performance (Oct 09- Oct 10) 1 Year14.17%
Fund NameOSK-OUB Gold & General Fund
Shariah CompliantNo
TypeFeeder
PortfolioGold, Precious Metal, Energy, Materials, Information & Cash
Launch Date21 July 2009
Launch Price0.5000
Total Unit Sold (till Nov 10)233.69
Initial Minimum Investment1,000.00
Entry Charge (With Fund)5%
Entry Charge (With FSM or eUT)2%
Other Charge (Insurance) every year until 6th year (60,50,30,30,20&20%)N/A
Other Charge (With Agency)N/A
Monthly Service Charge
Management Fee1.80%
NAV (22 March 2011)0.5765
Performance (launch - todate)15.30%
Performance (Oct 09- Oct 10) 1 Year8.06%
Example:  NAV price follow launch price
Fund NameUni Gold & General Fund
Initial investment2,500
Entry Charge119.05
Other Charge (Insurance) every year until 6th year (60,50,30,30,20&20%)180
Other Charge (Agency)500
Monthly Service Charge (RM3x12)36
Total Initial Charge835.05
Total Initial Charge (%)33.40%
Balance to be invested1,664.95
Profit up to Oct 10260.90
If Top-up RM1,000 invest will be950 (1% to insurance)
Fund NameAmPrecious Metal
Initial investment2,500
Entry Charge49.02
Other Charge (Insurance) every year until 6th year (60,50,30,30,20&20%)0
Other Charge (Agency)0
Monthly Service Charge (RM3x12)0
Total Initial Charge49.02
Total Initial Charge (%)1.96%
Balance to be invested2,450.98
Profit up to Oct 10347.30
If Top-up RM1,000 invest will be980.39
Fund NameOSK-OUB Gold & General Fund
Initial investment2,500
Entry Charge49.02
Other Charge (Insurance) every year until 6th year (60,50,30,30,20&20%)0
Other Charge (Agency)0
Monthly Service Charge (RM3x12)0
Total Initial Charge49.02
Total Initial Charge (%)1.96%
Balance to be invested2,450.98
Profit up to Oct 10197.55
If Top-up RM1,000 invest will be980.39



Pro & Con
Uni Gold & General FundProCon
Agent to monitor fundVery high initial charge
Insurance coveredNo Shariah Compliant
Good Performance
AmPrecious MetalProCon
Self monitoringSelf monitoring
Good Performance
Shariah Compliant
OSK-OUB Gold & General FundProCon
Self monitoringSelf monitoring
Performance OKNo Shariah Compliant
Self monitoring will not benefit you if you do not know how to invest

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