1. PDSF - still alive..
2. PRSF - still alive
3. PSmallCap - closed shopping.

1 n 2 - so far so good. the returns also ok.

go to http://www.publicmutual.com.my/OurProducts...EquityFund.aspx for details.

if ur intention is profit taking.... u correct ..wait for the politics volatility.

if for long term, u can concider to enter now.

u need for plan for it. apply DCA and VCA to max the returns.

current market sitiation, most of local equity funds doing well.

it wasw profitable....... but in future.......can also for local markets.

i make sure PAGF and PIDF in my clients portfolio.

long term mah......... jatuh....boleh recover back.

if not PM sudah tutup kedai.

abt 1 month,...... if u hv online, u can c ur balance units in ur acc status.

an investor can hv more than 1 agent. as he/she wish.

- open new acc with other agents.
- u can leave ur current acc with ur existing agent.

if u buy 1000 units yesterday and declared dividedns today. u still entitle for dividedns..the dividedns is from ur OWN money. not form PM.

let say u buy at rm0.25
1000 x rm0.25 = RM250.

let say dividedsn rm0.02
1000 x rm0.02 = RM20.

ur dividedns will be rm20 from rm250..heehehehhe

u can understand more clear at gross dividedns

and u still lost money for tax deduction to get net dividedns. don't buy unit before the dividedns at least 3 to 6 months.

ur money must work for u and than only get the dividedsn.

if u buy units before the dividedns, ur money not even start work for u, and u hv to pay tax already.

---

Added on August 1, 2011, 7:55 pmi hv 2 PIEF acc with 2 agents. both epf.

for cash i don't know.

This post has been edited by kparam77: Aug 1 2011, 07:55 PM

frends ;

PAUEF distribution not bad - 2.25 cents.

any comments?

ya-lah bro....not so gd with foreign market.

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Added on August 2, 2011, 10:28 amif i not mistake.......6% from 18%.

This post has been edited by kparam77: Aug 2 2011, 10:28 AM

Asian markets climb.
PETALING JAYA: Asian financial markets jumped yesterday, after US lawmakers reached a deal to raise the United States' borrowing limit by US$2.1 trillion and avoid a nightmarish debt default by the world's largest economy.


http://biz.thestar.com.my/news/story.asp?f...95&sec=business

make u more confuce,

switching - before 90 days - min RM50 and after 90 days RM25.

mgmt/ trustee fees will be deducted every year from fund NAV.

whatever bloody fees, the fund must be perform well to give better returns for u.

brokerage enter/exit less 1%. - paid to broker.

FM also need to pay the brokerage for buying the stocks for asset allocations. this comes under mgmt fees, if i not mistaken.

ur age?
why u choose balanced fund?

Balanced fund - 60% in equity and 40% in bond.

PBF - public series fund
PBBF - Public bank seires fund.

both manage by PM.

click here for EPF SCHEME.

if u not yet hv any agents. PM me.

balanced fund still better for u. if u after 55 yrs old.. better go for BOND fund. more save than balanced fund and of cource diff in returns.

best of luck.
anything email me at kparam77@yahoo.com.

yes..its not too late for u. as long u understand abt UT concept and UT risk management. i think u can take moderate risk level.

try to read moderate funds in prospectus. maybe it will fit for u. balanced fund is concervative to moderate.

u can hv both in ur epf shceme portfiolio. don't put all in 1 fund.

u can switch to bond fund if needed. and switch back to equity funds later, if needed too.

OR JUST LET UR UNITS GROW UNTIL U REACH 55 YRS.

Notice of Unitholders’ Meeting for Public Global Balanced Fund, Public Islamic
Asia Balanced Fund and Public Islamic Balanced Fund

We wish to inform that we are calling for Unitholders’ Meeting for Public Global
Balanced Fund (PGBF), Public Islamic Asia Balanced Fund (PIABF) and Public
Islamic Balanced Fund (PIBF) to be held on 24 August 2011 to propose for changes to
be made to the Funds’ Investment Objective, Investment Policy & Strategy, Benchmark
and Fund Name.


Please contact our Customer Service Hotline at 03-6207 5000 (Kuala Lumpur),
04-729 1500 (Penang) or 05-210 6500 (Ipoh) if you have further inquiry regarding the
above matter.
Thank you.
Regards,

I'm sorry for u.
1. u didn't make use the time given by PM.
2. PM already assign a agent for u. u still can make frendship with him/she. u r his/her client. sure they will take care ur acc.
3. u only want to change agent, why u sign switching/repurchase form?


since u already take out ur money....... if u trust PM funds.. there r a lot agents in here. so, u know waht to do. U can PM me also at kparam77@yahoo.com if u trsut me.

sit for FIMM exam, get ur license and manage ur money by own and enjoy the own commisions.

Recommended, 1/3 of ur epf money, u can make use for epf scheme. EPF giving 5.5% and its concider conservative. if u want to invest PM, make sure the expected returns are more than conservative returns. so, the better option for u is moderate or aggressif funds.

if u hv RM100K, take out 30K-35k only. u need to adjust ur portfolio time to time base on ur EPF contributions.

if u put in balanced fund, more and less u will ge the same with losses of SC 3%.

sisnce u r commitet with other financial issues, u will definatly take out ur money before or on time when u reach 55 yrs old. so monitor ur acc and when u think this is the right time, exit and put back ur money in EPF.

ya, u can wait for next GE, but when will be the next?? u r 40+ now, dont wait, just enter to market, apply VCA and DCA to max ur returns like active investors.

86/87, 97/98 and 08/09, so the next right moment ....should be 16/17 (if any)

if u passive, just put ur money in PSF, PRSF, both for saving.

REMEMBER, INVESTING IN UT WITH UR OWN RISK.

---

Added on August 5, 2011, 10:51 amOMG.......market down 20% as at 5/8/2011 10.55am.

This post has been edited by kparam77: Aug 5 2011, 10:51 AM

ya 20 point

u wil lost ur agent if so. unless u r own agent.

if someone sales product......of cource get some profits by selling the product. NOBODY WILL SELL ANYTHING FOR ZERO INCOME UNLESS CHARITY.

UTMC selling units and manage the units.

selling units:
upfront charge/service charge = get profits by selling the units which is from 0.25%, 3%(for epf) and up to 5.5% for cash.

UTMC and agents will share the service charge AS THE PROFITS.

manage the units:
management fees applise to mange the units. only UTMC will profits from management fees.

so, additional investment still hv both SC and management fees. cannot run away. unless UTMC give speacial promotion.

repurchase/redeem units = UTMC will buy back the units from investors. No charge apply becaouse now..investors pula selling the units to UTMC.

---

Added on August 6, 2011, 12:41 pmyes, u can hv more 1 acc if ur investment more than RM1k, and each acc must be min Rm1k too.
switching is for save ur money value. u can switch when u think is needed.
switcing charge before 90 days = rm50, after 90 days = rm25
this is from equity funds to bond.

if u switch from bond to equity, need to include the switching charge + service charge. (incase ur frist investment is bond fund)

u can ask ur agent to do switching for u, or u can apply for PM online and u can do ur self onlie, and also u can go to PM branch too.

the epf scheme, the dividends auto re-invest. and u hv not rights to enjoy the divedns until u reach 50 or 55 for epf retirment partialy or fully withdrawal.

if u sell back ur units before retire, the money will masuk balik ur EPF acc 1.

u still can continue with PM even after 55 yrs old. actualy its not good idea to sell back the units before 55 yrs old. u still can plan holding ur units after 55 yrs old.

at 55, u will get ur EPF money and u will spend it...let say after 3 to 5 yrs, finish ur epf money,, u still hv some amount in PM.


VCA and DCA , go to http://asia.groups.yahoo.com/group/Public-Mutual/message/43 & http://www.iankree.com/2010/02/19/money-game/turn-your-mutual-funds-switch-on-and-off/

passive investor = investor will just put the money either lmp sump or regular top up, and not worries abt the mrket trend, will sell back the units for profits after certain yrs. 5/10/15/20 yrs.

active investor = always monitors the market, look for opportunity to max their money value.

there are many ways of investment strategy to max the returns.

PSF =public saving fund.
PRSF = public regular saving fund.

it not mean u hv to invest regulary. all the funds can invest 1 time or more than 1 time. no limit.




This post has been edited by kparam77: Aug 6 2011, 12:41 PM