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Added on April 24, 2011, 3:22 am
Best performing fund in PM is smallcap with 184% 5years. So impossible to become millionaire with 100-200k. 2008-2009 graph indeed look horrible. But 2008-present should give you something. We investor must know the risks of unit trust. Choose fund wisely. I never choose any fund perform lower than benchmark. Nobody want to time the market. For myself, i set -10% cut loss in my smallcap fund. Wondering what funds you were holding before? Bad experience for taking agent's advice?

thanks!! but i noticed that my agent left some of my funds in the PAGF and not tranfer all to the MM. He left around 1k+ unit / RM 800 in the PAGF fund. why he do like that? or maybe the fund cannot less than 1k unit in order to make it run actively?

everybody making lost in ut/stoks....... ur agent  already lock some in MM. it must be a reason why ur agent left 800 units. do u ask any advice from him?

ur agent care abt ur money, that why he made decision to swtich it. get his advise before u made urs. u can wjthdraw all. but u still need to pay another SC 5.5% when u enter again. ........u must be love ur agent to pay more commision. is it?

well, my suggetion, if u got money, top up  monthly. u cannot time the market. be smart investor to average down ur buying price/ apply DCA.

u bougth at rm.0.32... if u top up ... ur average price will be lesser than rm0.32. the more u top-up at lesser rm0.32, the cheaper average price u will get.

so, u not need to wait the price move up to RM0.32 /or more.......... to make profits.

to make it simple...its all depends on u. if u think there is no turning back....EXIT NOW.