I hope I have addressed all of your enquiries.

---

Added on April 13, 2011, 7:13 amIf this is your first time investing and yet to have any financial plan drafted for your retirement, you may try investing in Public Ittikal Fund (PITTIKAL) and if you have a higher risk appetite, try Public Aggressive Growth Fund (PAGF).

Should you have a financial plan drafted based on a specific time horizon and objective, please consult your UTC prior to making any further investment.

This post has been edited by felixwang: Apr 13 2011, 07:15 AM

it should be anytime now

FYI, EPF is also a good investment fund with a balanced asset allocation of equity, bonds and property. Since EPF has a mandate of providing its members with a minimum return of 2.50% pa, hence, a large portion of its fund is invested in both private bond and MGS, which yields a lower return than the rest of the assets.

If you intend to derive a better return from your savings in EPF, the next option is to move your savings from EPF to an equity fund. Otherwise, I do not see the point of paying a service fee of 0.25% by moving your fund from EPF (most of the fund is in bond) to a private bond fund.

From one bond to another bond? Furthermore, you will be charge again when you switch from the private bond fund to a private equity fund at FULL rate even via DCA. That would be a double charge.