for investors - no tax for capital gain. but need to declare.

UTMC coperate tax will be deduct from gross dividedns before get net dividedns.

8181;

Unit trust is investment, not gamling.

simple is, u buy unit for cheap and sell back for higher price for profits in long term. ur buying price (average price) will cheaper over the time, becuse of accumulation of units. (re-invest the dividedns + regular top up or apply DCA).


more details in http://www.pk31-publicmutual.blogspot.com

8181,

waht is ur risk factor.

concervtive, moderate, aggressive,

ride n reinvest the didivedns - go for dividedns funds -mderate funds- such as PIDF, PSDF so far so good. annual income, where annualy dividedns will be declared.

if u r aggressive - better go for incidental income, where the dividedns only will declare if any, the funds focus on capital growth. but so far every yrs get dividedns too.

u must understand that, when dividedns declare, u will get the dividends after deduct tax from ur gross dividends.

so, read the prospectus, asset allocation, risk factor, and investment objective. ur investment objective shud be same with fund objective.

if u active investor, apply VCA n DCA to max ur returns time to time by switching methods.

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Added on August 7, 2011, 6:59 pmDCA - buy the units regularly with any price montly, ur average unit price will be cheaper. u can make profits when ur average buying price cheaper than market price. DCA is the better option for long term goal setter. but u hv to look for the funds, past record, reocver after the bad timing.

most of local funds perform better, even after kena hantam for crisis, bangun balik dengan cepat.

VCA, hold ur money, look for unit price drop, than u buy units. sell back when u feel sudah untung, and hold back and wait for 2nd cycle.

so, apply DCA, when market collapse, switch to bond, apply dca in bond (make sure u park ur money regularly). when markt recover, apply VCA, switch to equity, contimue DCA and continue DCA/VCA until u make max ur returns,

this method apply for active investors who always need to monitor the market.

This post has been edited by kparam77: Aug 7 2011, 06:59 PM

not at all. either u hv to redeem all and buy PB series. u need to pay SC again.

why u want switch to PB series?

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Added on August 8, 2011, 11:24 amKLCI down 40 points as at 11.25am.

This post has been edited by kparam77: Aug 8 2011, 11:24 AM

its look like market recovering.. ....just now -46 and now abt - 27 points.

lets c how any points 2morow.

keep some in bank as emergency fund. don't put all the money in place.

20% in FD
50% stock
30% in UT.

or it depends how u plan with ur risk tolerance VS urs age factor.

u r just in 20's. and u r a moderate risk tolerance person.

BOND = conservative = EPF.

i believe u hv EPF.

than u can put cash in BOND lesser than others. well my suggestion only.

my EPF = MY bond at the moments. plan to transfer some equity funds to BOND when I reach 50 to 55 yrs old. now production time for growing my money in equity funds. 50%/50% = moderate/aggressive.

to make it simple.
1. if u pay more then 0.25% as service charge on any funds, u not need to pay SC when u switching.

2. if u only pay SC 0.25%, so , u need to pay SC for switching for equity/balance funds.

its clearly stated in prospectus on switching.

low-loaded units =bond/money market= 0.25% SC
loaded units = equity/balanced = more than 0.25% SC

wow, pay SC for rm100 and expect free SC for rm10,000k. ini macam PM tutup kedai-lah.

Apex too, u can use EPF scheme for buy stock directly. go to EPF website , look for appointed IPD for investment.

perfrct?

maybe not.....there is nota best/perfect time....only better.

don't pump all the money, buy sikit sikit.

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Added on August 9, 2011, 8:11 pmdrop how many % from ur value. wht is ur stop lost %. if the drop reach ur stop lost, switch-lah.

This post has been edited by kparam77: Aug 9 2011, 08:11 PM

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.

ur expectaton to get rm100k in 10++ yrs.
initial - rm5k
monthy - rm500

total investment = rm5k + (rm500 x 12 x 10yrs = rm60k) = rm65k.

shortfall 35k only, can get by compunding interest.

sure without any problem with compunding 8% - 12%, (average only)

calcalte ur self here. http://www.thecalculatorsite.com/finance/c...tor.php#results

yes, u can prceed with this plan. read the prospctus abt the funds before decide to invest. local funds gd enough.

monitor ur invstment time to time, and follow up with ur agent. AND Tke not invest unit trust with ur own risk.

best of luck.

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.

DCA-lah, good

Sorry my mistake withot reading UTC connect.;

Re-Opening of Sales for
- Public SmallCap Fund
- Public Islamic Opportunities Fund
- Public Islamic Sector Select Fund
- Public Islamic Select Treasures Fund


We wish to inform that the above funds will be re-opened for sales with effect from 10 August 2011 (Wednesday) to facilitate requests from existing fundholders who would like to exercise Dollar-Cost Averaging on their investments.

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.

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

im consultant too.

market closed up 8 points today,

i think switching not nessacry any more at the momnets.