How about invest in PM? Is it OK to start my investment coz recently just been introduced by my colleague's PM Consultant regarding UT... way before the market drop...

More interested with moderate / aggresive equity fund, will mostly invest thru RCA method (monthly) for long term (5-10 years duration)... me still noob, so any advice from sifu here?

I find coffee helps - up to 7 a day last time  Drink until hands shivered. Dont drink hands also shivers. 
Ok ok - studies have found that black coffee (no sugar, no milk) is a good anti-oxidant. Up to max of 3 cups a day have been proven (google the research) to help reduce Alzheimers from occurring in women. I dunno why women though - maybe that's their test field.

Node-link? Like a brain mapping thing? or a simple computer IF, THEN, ELSE style branching?

Ok ok back to PM & investments.
REITs' tax is 10% at the source (withholding tax), thus U get the net only. Good for folks with tax up to 20%+
Dont just focus on the dividend payout - go to the REITs thread/topic, lots of postings there. If U can't find, then shoot your Q there. I think mods here will kick our butt if we keep talking about REITs here (PM thread/topic)

wht is ur expectation?
ur age?
how much u want to hv in the future?
ur initial investment?
ur monthly invrst = RM200

or just follow ut agent, get his advice and invest.

What u mean by expectation?

Rite now 29 years... My initial investment probably start small RM5000, monthly invest RM500... probably hope to gain 100k in 10++years... possible or just wishful thinking?
This is what my agent advised me to do if thru direct debit

What u mean by expectation?

Rite now 29 years... My initial investment probably start small RM5000, monthly invest RM500... probably hope to gain 100k in 10++years... possible or just wishful thinking?

This is what my agent advised me to do if thru direct debit

yeap why not, my calculator tells me even for a conservative bond fund, assuming 7% return, 0.25% service charge . @ 10years (initial 5000, monthly 500) , u would have accumulated around RM96,852

You might want to try Index Fund..
Since our index will be penetrating to new heights this year, KLCI projected to break 1600.

What u mean by expectation?

Rite now 29 years... My initial investment probably start small RM5000, monthly invest RM500... probably hope to gain 100k in 10++years... possible or just wishful thinking?

This is what my agent advised me to do if thru direct debit

Probable, unless his "gain $100K" means net profit lar

If he really means net profit of $100K based on his numbers, still possible but highly improbable if no better entry plans than DCA and must have great exit plans - need damn good luck that there was a HUGE crash and for 9 years slowly going up, then spike up at the 10th year

suddenly feel that this thread become hot!
right now looking for opportunity to inject some while its red 

Just a quick question here, regarding PMO;
is there any fees incurred from PMOnline when we transfer online through PBebank.com itself ?
I understand if other MEPS FPX bank will charge RM2 (its RM2 right?) for any transfer to PM fund.

It is true Smallcap fund is reopen for investment? good chance for those who want to top up or do DCA.

People start buying when it is low, i started buying when it's historical high!
Fortunately I'm buying once a month so to leverage down...

its FREE from public bank to public mutual if i not mistaken. anybody can confirm.

but if u do transfer from other bank, message will pop up abt the charges.

It is true Smallcap fund is reopen for investment? good chance for those who want to top up or do DCA.

No, closed is closed.... i think the new fund PITGF similar to this. small n mid cap asset allocations.

The guy over fund investment corner say reopen. 

My biggest mistake last time is to lump sum quite a big amount into smallcap because limited chances to buy and it is the best fund available from PM (i did quite alot of research on it). After reaching -15%, switch half of the amount back to strategic bond fund. 

Quite regret didnt follow senior's advice on "dont put all eggs in one basket".

yeah me too, rode on it, when Psmallcap opened..n i quickly dump as much as i have during the opening..relatively not muchla 5k, n now it's spiraling down n down..only one making money is PBFI, PBIBF..and i put some in PSKF