Yes, im roughly on 50% bond - 50%equity

bond= PBIBF,PBFI,PSKF,RHB islamic bond
equity= Kenanga Growth (low charge n no dividend, which is good)

my underwater UT (invested blindly without financial education lasttime) - PCSF, PIADF, PFEREF, PIABF..not much la 1k each

still thinking whether to avg down on Psmallcap..kinda had bad experience with it now haha

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.

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

Is it compulsory to appoint a UT consultant?

"Yes" - even the fler at PBank counter selling U the mutual fund has an "agent number". Best results of course is to be your own UTC and best-est customer

PEF, PSF will lai see lai niu.
PIX will be eating serious sheet right now

Invest in gold should be a good one..
My views and sharing on gold
http://bonescythe.blogspot.com/search/label/Gold

  Monday, 8 August 2011
Maintain buy call for gold with short term growth of possibly hitting USD 2000 per ounce in the coming days.

Tuesday, 9 August 2011
To be on the safe place, materialized your profits, and hold your cash while wait for some firm market signals, which should be around the corner soon, which is the much anticipated QE3 that could be released into the market to stimulate the market again.

By the way, I could be wrong here, and gold might continue to surge if the market continue to plunge downward. All these events is out of our control and expectation. But, locking out profits will never be wrong.

Cash is king.. cash is king and cash is king. Remember at a time like this, nothing is forever stable. Once you put your money into something, be it equity, commodity, futures, options.. You are exposing yourself to risk already. To be on the safe side of it, make sure you know when to exit the market before the market go against you because you are too late.

I see, say, if I were a PM agent myself do i have to achieve a certain sales target?

Sales targets?
er.. was never chased by anyone (upline, up up line, left line, right line, etc.) till now wor, since.. er.. since.. 2001 or 2002 (under ex's a/c) and since 2007 under my own agent a/c.

Wah so it's like getting a driver's license ah? No need to do cold sales? 

er.. so far, never done cold calls before as a PM agent  Maybe i'm lucky though - my upline and his upperlines never kacau me. Cold calls FROM relatives and friends got lar when they knew about what i was into in my spare time Mostly with things like "i want to make as much as possible, as little time as possible". I then pointed them to the uncle selling lottery tickets and 4D shops 

Haha I dont like to kacau ppl and I dont want ppl to kacau me also.   but I just went to FIMM website and found that I need to get a sponsor from UTMC or IUTA

Imagine I was an agent i would have saved 2+% of SC

Haha I dont like to kacau ppl and I dont want ppl to kacau me also.   but I just went to FIMM website and found that I need to get a sponsor from UTMC or IUTA

Imagine I was an agent i would have saved 2+% of SC

Aiya - sponsor = upline lar. Just grab a UTC and ask them to "sponsor" lar. They get % of all yr sales or so i think. Like network marketing 

ya, go to http://www.pk31-job.blogspot.com for more info. who is ur upline is a optional for u.

hmm, need to go to local Pbank branch and ask for their consultant then 

so we can buy smallcap from now on?