manage ur self, do u hv the lisencse from FIMM?. if not get the lisence first. go to HOW TO BECOME AGENT in my signature.

so, for time being, not need to hurry choosing the funds, u only 26. educate urslef abt the UT and also the risk management. the time u get the lisence, u will able to choose the fund by ur self.

DDI = dirct debit intrusction = regular montlhy investment.


best of luck.

UT is for medium to long term. not less than 1 yr. its just 6 months on the road. what u expecitng within 6 months? u shud top up ur PAGF,,sikit by sikit.

read this ... http://www.btimes.com.my/Current_News/BTIM...utual2/Article/

since u already switch to MM, (not wrong, u hv just safe ur money value), wait for market revocer to switch back to equity.

ya, switching either partialy or full. even the acc is zero units, but it still active and u still can top up later without any issue.

switching is much better than sell out. u need to pay SC again when u enter back to funds.

maybe ur agent not aware (not lie) abt partil and fully switch n also the the acc still active if zero units in the acc.

befrore 90 days is minimum RM50. so it can be more than rm50, its depends on ur NAV. after 90 days the switching is rm25. for gold memeber, it free for rm25 only. if the switving is RM50 ( befroe 90 days), can minus rm25 and pay rm25 only.


go to master prospectus in website, and read the switching.

rm0.05 to rm0.09...if any/

everybody making lost in ut/stoks....... ur agent already lock some in MM. it must be a reason why ur agent left 800 units. do u ask any advice from him?

ur agent care abt ur money, that why he made decision to swtich it. get his advise before u made urs. u can wjthdraw all. but u still need to pay another SC 5.5% when u enter again. ........u must be love ur agent to pay more commision. is it?

well, my suggetion, if u got money, top up monthly. u cannot time the market. be smart investor to average down ur buying price/ apply DCA.

PDSF..dividedn fund.

read the asset allocation/ local/ foregin/ sectors

top up..right move..but don't top up 1 short.......sikit skit lah kawan.

u bougth at rm.0.32... if u top up ... ur average price will be lesser than rm0.32. the more u top-up at lesser rm0.32, the cheaper average price u will get.

so, u not need to wait the price move up to RM0.32 /or more.......... to make profits.

to make it simple...its all depends on u. if u think there is no turning back....EXIT NOW.

not nessacary.. u still can manage with ur agent guides, or PMO.

if u hv lisence.... more freedom, can do anything at any time... and u can enjoy ur own commision.