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For capital-guaranteed funds, the lock-in period is usually at least 2 years. Some 5-10 years.
For normal fixed income or dividend, the sales charge is already 6% in Malaysia. Fixed deposit rates right now is 3.3% for 6 months. I doubt there's any fund that gives at least 9.3% in only 6 months!
To get that kind of return, you would have to go for more aggressive equity funds in this market condition.
Thanks for the input. I am basically recommending the funds that will most likely not "depreciate in value", and hence, I do not emphasize very much on the capital growth of the fund. Rather, the objective is to put the money in a fund (long term) where the rates are better than FD. Notice that I did not project or estimate any rate of return, since it will vary from one fund to another.
I agree with the statements you brought up on the funds' characteristics. My recommendations are not based on the rate of return, so I hope that you don't get me wrong.
I will be posting the next episode in a while, which my clear things up a little. Schedule are getting rather hectic as I am actually in the midst of moving my office. :-)
Cheers!