Using EPF to invest in mutual fund?
Well. This depends. It is alright to diversify your money inside EPF, and also a good choice. Since EPF money cannot be touched until you reach retirement (exception for buy house, study loan and bla bla bla as u guys know about it)..

One thing good in unit trust is the capital appreciation, which will see good real $$$ coming in. Money in EPF, if the interest is not able to beat inflation, will not be so good. Last year, declared about 5+ % for EPF.

In unit trust, when unit price goes higher, you return will be amplified, and also got interest / dividend. Of course, what you need to bear in mind is, unit trust unit price can appreciate and depreciate. But as a long term, it will be a good upward line.

EPF, 1 year can invest 4 times only. Once every 3 months. And there is a calculation on the allocation for investment on EPF. You cannot just dump in everything into it..

Another thing on EPF investment, the service charge is lower than cash investment.

Those who bought China Select Fund during the offer period still haven't recoup their initial capital

Is better to sell local unit trust fund, for a safe play.
China fund, a lot of risk. You cannot know what company there are investing, FM does not understand the market as good as the local chinese people.

For me, i will sell back UT that is covering malaysia. Regional also ok ok abit la. But focuses on china alone, very scary.

If you want to invest in China funds, you will need to go offshore, and find fund managers with years of experience in the HK/China market. Local funds are still beginning to learn..... 

Alamak, I just bought China ASEAN Equity Trust Fund last month!!!!

And some of these PubMut Sales Agents that "promised" or sold the idea of "20%pa returns sure wan" in 2007 early 2008, is now still making tons of $ in ING after changing phone # and stuff to avoid the bugging of their PCSF mangsas / customers. 

Wah, you have a good memory! Yes, PCSF was introduced in 2007.

I nearly become one of those victims myself. Luckily, pulled out in the last minute.

But a few of my friends falled to the "guaranteed % return" & "ride with the China force" traps.

That's a very expensive lesson

Psst, wong...are you one of the mangsa?

Nah, i'm one of the "watchers" - like i shared earlier (dunno this thread/topic or some others in LYN),  i saw the mass exodus of these Sales Agents, from PM to ING and found out the reasons why  . BTW, i dont touch "new funds" without any statistical data i can crunch - unless i'm "punting" with a very small amount of $, chicken lar 

Hey, i've no qualms checking out other fund houses' invitation to "see see" their funds & Agents' benefits mar 

Some times, be a chicken is good..

Good with feathers all over the floor?! 

Nah, i'm one of the "watchers" - like i shared earlier (dunno this thread/topic or some others in LYN),  i saw the mass exodus of these Sales Agents, from PM to ING and found out the reasons why  . BTW, i dont touch "new funds" without any statistical data i can crunch - unless i'm "punting" with a very small amount of $, chicken lar 

Hey, i've no qualms checking out other fund houses' invitation to "see see" their funds & Agents' benefits mar 

Sorry I'm new commers...
just for sharing information, for me an agents can not giv guarantty that the dividend in one of the fund is higher..
they also can not give the exact amount of persentage in rate of retrun per annum...
we as investor also can not just belive all that they said, unless they giv proven document eg. actual acc, facts
we also can't just see the last performnace of the fund.. but I belive fund that hav a good track record will giv higher dividend...
for new fund, I think is better for youngest because new fund must take long time to growth..
the most important is not amount of NAV.. the importance is unit balance, n then we proceed refer to amount of NAV...
for low amount of NAV, this is your time to collect huge unit balance..
then, when economic n performance of that fund is getting better n growth, it will make double..tripple dividend n profit that u'll get

Eh, what reasons did you found out?

I got lucky twice. First time is the PCSF. Then second time also pulled out last minute from China Titans...tho' PCTF didn't drop as much as PCSF.

Told myself, never to invest in China related UT funds anymore

HJebat, the thing i found out was regarding WHY these Sales Agents were running away from PM to ING lar - that their PCSF customers are after their butts.
Hhehe - no "trading" or "investing" secret