我家人也被大众银行的职员误导买了基金

tboontan

点击链接，浏览了 INVEST TALK 讨论，

发觉 那边 讨论比较平衡 ， 两边的声音都有

LEYKIOW

georgeck 发表于 17-7-2015 04:13 PM
投资基金的服务费5.5%。每年管理费是1.5-1.8%。

5.5% 的  processing fee 我就知道， 不过我不知道哪个 每年的 费用。。。

kok1984

tboontan 发表于 17-7-2015 09:40 PM
点击链接，浏览了 INVEST TALK 讨论，

发觉 那边 讨论比较平衡 ， 两边的声音都有

investalks的网友们大多都自己投资股票和房地产。
印象中，要找到投资基金的网友也挺困难

基金顾问（UTC）和保险经纪在investalks论坛是没有生存空间的。
只要有人在论坛提起或介绍saving plan,就会被网友所发出的提问给打退堂鼓.

在此，我也欢迎你进来investalks参与讨论

georgeck

投资之前，请先确认自己的先平估承担风险测试。

georgeck

有三种人是不试合投资。第一，没时间的人，第二，没耐心的人，第三，没有经济能力的人。

georgeck

读书毕业了就不在学习，结了婚就不在恋爱了。你不理财，财不理你。

terencesay

马来西亚的金融环境和制度滋养了这类事件的发生
在新加坡我们完全没这样的机会，law多到不清不楚，要乱卖都超级难

crystoaad

会注意这些问题。。。谢楼主分享哦

mse

七天工作日之内可全额退款。

十月围城

我比较好奇的是，楼主为什么事先没有陪你俩老去银行了解有关的基金配套。。

kok1984

十月围城 发表于 18-7-2015 09:44 PM
我比较好奇的是，楼主为什么事先没有陪你俩老去银行了解有关的基金配套。。

我父母亲，是在买了后才告诉我这件事。

本来这件事，我是打算作罢。

上个月，在investalks论坛看到有位女网友70多岁的老母被误导把定期存款转换成信托基金。

突然间，我很愤怒。
我一定要写信去投诉该基金销售员在介绍、讲解的时候，没有讲解清楚一些细节上的问题）
（我投诉不是为了拿回钱，而是不希望看到有其他老人家也被误导）

kok1984

[email protected]
Dear Sir/ Madam,

I would like to make a complaint to Public Bank Berhad's branch at Taman Perling Branch which located at Johor Bahru, Johor Darul Takzim.

Here is the incident which happened at 03/03/2015 to my parents


My parent went to the say branch to convert theirs fixed deposit (FD) into unit trust with fund title PB ASEAN DIVIDEND & PB ISLAMIC EQUITY.

Here are the problems / misleading Miss Tina XXXＸＸＸXXX made where
1) She only mentioned the total sum amount of service charge instead of actual chargeable percentage of service fee

2) She did mentioned that NAV price volatile like share price. She mentioned invest in unit trust is less risky that directly invest in share market.

I had checked from monthly fund review-PB Series of Funds for May, 2015.
As at 29,May 2015, 82.19% percent of PB ISLAMIC EQUITY FUND’s asset was allocated at Shariah Compliant Equities
As at 29,May 2015, 87.86% percent of PB ISLAMIC EQUITY FUND’s asset was allocated at Equities & Derivatives.

When the share prices drop, it will negatively impact the NAV of fund. The risk  is same with directly invest at share market.

3) How can she introduce an investment fund which exposure to high risk to my parents who already 60 years old? Rightfully, she should recommend investment fund which exposure to low risk.

If we wish to direct exposure to high risk of investment , we wouldn't consider Unit Trust

4) She also NEVER ever mention about the 4 days of cooling period which my parent can cancel the fund and get back all money.

I feel very disappointed to this bank as the staff, Miss XXＸＸＸXXX  was misleading from the very beginning to my parent where my mother is seeking for a low risk fund.

As such I would like to make a complain to the say bank and staff, Miss XXＸＸＸXXX

This , Miss Tina XXＸＸＸXXX  is misleading from the very beginning and taking advantage of my parent that they is old!

Please revert to me as soon as possible.


Best & Regards,
Teo Tao Piow
NRIC NO.:
Mobile No.:+65-

以上,是我自己写的投诉信.

我恳请英文能力较好的朋友,帮我纠正我的grammar

谢谢

舞猫猫

信发出了吗？很期待楼主更新银行的回应

tboontan

以理财师角度，年龄不是决定投资者承受风险度的唯一指标，

一个80岁，资产一千万的老人，拿出一百万投资股市信托基金，应该没有人会觉得有问题。

80多岁的巴菲特，资产接近100 % 是公司股票，波克夏公司。

当然，在这事件，银行会做出判断。

还有，1----说出服务费总额与说明服务费% 没有多大分别， 这论点LZ 无优势

2--这是标准作业程序，告诉投资者股市涨跌风险。

3--年龄因素，，其实，在完成投资前，银行职员已经完成一项风险评估，评估成绩是 5 ， 可以投资高风险级别。

评估因素已经含盖年龄因素

4--冷却期，这个不是重点，假如要把整本 MASTER PROSPECTUS  读完 ，至少几天完整工作日吧。

sunny86

kok1984 发表于 19-7-2015 02:52 PM
以上,是我自己写的投诉信.

我恳请英文能力较好的朋友,帮我纠正我的grammar

樓主，你的父母有當場，閱讀這些 FUND 的 PROPESTUS， 以及簽名嗎？還是只是口頭說AUTIE， 現在有 XXX 基金，要不要 XXX之類的？

以你的兩個理由，根本站不住。
第一，有關TINA 女士的確告訴你父母的有關費用，至於你說的%，銀行可以說你父母沒問。
第二，UT 的風險的確低於股票市場，銀行可以舉一堆的數據，而且投資本身有風險，銀行也不會承認自己的基金經理人的無能。

如果是我，我會說有關銀行職員在沒有讓我父母閱讀有關基金的 PROPESTUS 以及透露所有有關訊息下,讓我父母簽下有關基金。還有單單寄給 PBANK 是沒有用， CC SEC，有關金融的東西要通知SEC
http://www.sc.com.my/lodge-complaints-2/lodge-complaints/

以下是我想的，自己根據實情改吧。
Dear Sir/Madam,

1. Refer to the title above, i would like to lodged a complaint on Miss Tina XXX, a PXXX BXXX stuff located on Taman Perling Branch , Johor Bahru, Johor Darul Takzim.

2. On XX July 2015, Miss Tina had introduced my parent (Teo XXXXX, NRIC: XXXXX) on PB fund, namely PBXXXX & PBXXXXX.
3. Without futher explaination on both product potential market risk and related fee involved, my parent were misleading those fund where new high interest FD, and agree to switch some of the FD capital into thiese fund.
4. My question:
4.1 There was no disclosure on fund propestus to my parent, instead whole process was Miss Tina verbarly explaination. Is this compliance to the act/protocol/procedure set by SECURITIES OF COMMISION, BNM  & PUBLIC BANK ?
4.2 Refer to indenpendant fund research agency, MorningStar, these fund are higly volatide relative to Malaysia market, and clearly my parent (who are retiree) were not the pontential investor for these fund. Why Miss Tina still recommend those fund to my parent ? Is this the target / instruction set to Miss Tina by PUBLIC BANK to promote these funds to every Public bank customer regardless of consideration on customer need and holding powder, or just solely Miss Tina imaproporiate act ?4.3 Did Miss Tina had ever qualified as unit trust consultant, which had been registered and recognised by statuatory body like FIMM ? If no, can we consider Miss Tina act are violation and illegal, and are this is allow in Public bank operation - let non-register and non-trained personnel to promote and selling unit trust?
5. We are long term PBank depositor since 20XX, and we are very satify with the service provide by PBank. But, we are very shocked and disappointed on this event, which we failed to see PBank stuff desmostrate their profesionalism & ethical behavior in their service. We are doubting the capability and ethical behavior practise by PBank in managing our wealth.

6. We hope we can get PBank the soonest.

cc: [email protected]
bnm

global_sign

其实只有第一次买信托的,就有权利取消买卖,cooling off date.讲你被误导,在10天里面,现在可能讲什么都太迟了

tboontan

楼上的，实话实说好吗？

不要加油加醋

pengmys

其实该基金我也有买,觉得很不错。觉得可能问题出在该职员没清楚解说。

liverpool07

等基金赚到钱的时候，LZ会上来update下吗？

123木头人

楼主的事情处理到怎样了？