If you are looking for UT's which are suitable for you, suggest that you need to know about your risk tolerance first. There are many site which does a free risk profiling for you with questionnaires. Although this is somewhat inaccurate, at least you know where you stand. 

After you are sure of your risk profile, then you can plan your holdings, ie. percentage of each fund/sector that you want to hold. Diversification is recommended so you do not lose everything if a fund tanks, especially a high risk funds.  For me I am concentrated in Malaysia, Asia Pac ex Japan, a little europe and US with a sum in pure China & commodities. Bond and cash funds provide stability in my holdings.

To gauge which funds have relatively good performance, you may refer to charts available online at lipper or morningstar. For me i do not chase the best performer, rather those with consistent earnings and lose the LEAST during a recession. Preservation of capital is important for me. Read the fund fact sheet and annual reports. Be wary of high initial and annual fees.

For me, unfortunately i do not use DCA, i buy on weakness and sell on strength. DCA will get you on average performance, which if it is suitable for you, then go for it. Switching in UT is an important strategy, however you need to use it sparingly since there are massive charges involved (ie. pay a lot of initial charge). You may switch to rebalanced your portfolio, ie. sell those with high profit and move them to the least profit or to lower/increase your exposure to risks. I am now actively re balancing most of my equity portfolio to bonds on market out performance. 

Don't just monitor NAV, you must also include the dividends you receive in calculating profits. You can check the nav at each respective UT site.

X: Time in term of date
Y: Gross return in term of percentage

Blue line: Fund performance
Red line: Benchmark performance

imax80,

Are you suffering from any sight problems or are you trying to make a joke? Everything is written there VERY clearly.

All my funds are auto-reinvest and get taxed every year . Public mutual send me the tax voucher every year as well

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Added on March 24, 2010, 11:05 pm

I moved to fsm.sg, most of the funds there does not pay dividend, furthermore dividend is tax free in sg. 

I used EPF to invest these 2 funds: PISTF and PISSF. Now is earning 21% & 26% respectively since I bought in Aug 2008, thinking to switch and park at other lower risk funds or bond, not to sell first to save the admin fee if want to invest again, any suggestion?

Shld I still keep this 2 funds or switch to other funds coz afraid the prices drop. The price will go further or now is the high side? Sorry coz didn't know their past performance.  Thanks.

No, not an real overdraft facility, but more like a flexible loan with your U.T. funds as collateral. During the loan period, the funds are no longer yours, you cannot sell or switch. In case you fail to pay your monthly repayments, your U.T. will be sold against your will to pay your debts. 

Anyway here is the plan.. called Uniflex Plan.

the od against ut details is at follows:

a) MOA is 80% of the UT value
b) Interest at BLR-1%
c) can aply to waive the commitment fee in case your OD facility is > RM250K, below 250K no commitement fee of 1%
c) stamp duty on the doucmentation is flat rate at 0.5% x total amount of your loan
d) apply, L/O out and OD released within 1 week time, PBB very efficient.

Note: i dont work for PBB or PMutual, just a customer that using the same facility.

switching is allowed even u have pledged the unit trust to PBB. Just write in and attach with a switching form, submit it to the home branch for processing. The PBB officer then will process and fax to Public Mutual for their action. I have switched once in Feb, all done in the same day, PBB/PM are very efficient. Yes, the OD rate is 4.8%

Guys, my mom had actually invested in PM by an agent.
But all these while, she doesn't know what's happening.
She just receive the statement and throws em.
The only thing is , she has been told that it takes min 3 years to mature and she will definitely get more than the money she invested + interests.
So, recently I've been reading up on some investments threads and was wondering if u guys could guide me how to understand the statement and progress.
Because this investment is purely by relative recommendation, and my mum never met this agent before, so I am curious if he's doin what he's supposed to do.

What info do you need for the above? The statement?