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Added on February 13, 2011, 8:34 pmYes, u change ur agent without any issue. Pls go to www.grow-money77.blogspot.com for more info. go to FAQ section.

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Added on February 13, 2011, 8:35 pmPls go to www.grow-money77.blogspot.com for more info go to FAQ section.

This post has been edited by kparam77: Feb 13 2011, 08:35 PM

eventhugh the fund is closed , fund manager still reserve some units for DDI or monthly regular investor.

Direct Debit Instruction or SI - Standing Instruction. if u sign up to top up ur investment through bank on monthly basic. u need to bank-in the money and the money will auto transfered to ur UT investment acc to buy the units.

ur top up units/ current stament will post to ur mailing address.

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Added on June 23, 2011, 1:29 pmgo to here for details.

This post has been edited by kparam77: Jun 23 2011, 01:29 PM

Retirement plan;
the fund u choosed its ok for epf scheme. p ittikal fund is close for new investor.

why u choose aggressive fund for epf scheme and moderate p.ittikal for cash/regular . is it for free ins? if u looking for moderate fund, PIDF pun ok-lah since p.ittikal not available. u still can go for aggressive for cash investment if u an aggressive investor. or can maintain as moderate to balanced ur portfolio.

hv u to plan how much u need for ur retirment. if not pls click here.


Education plan;
how many children u hv? what is the cource/study ur children going to take? what is the current fees and FV?
u can do education plan for ur children by clicking here.

study the funds, the asset allocation and some other relevant info in master prospectus and qtrly fund review. u may track the past performance as well.

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Added on June 23, 2011, 7:04 pmu only need to switch to save ur investment. if not, switching is not need.

don't confuce with unit price movement. if u plan, go for long term, not need to worry abt price movemennt. just make sure ur investment value is gaining and accumulation of ur units.

u can do switching if any major correction/crach in the market. u need to set ur stop lost value...maybe 10-20% or less than 10% to save ur investment and switch to low risk funds/bond/money market. and switch back whe the market recover. bear in mind, there are fees and charges for switching which u can read in master prospectus.

This post has been edited by kparam77: Jun 23 2011, 07:04 PM

No, DDI only for those sign up before the fund close. but ur units will accumulates when there is distribution or unit split in future. no worries 300 units is not too far to reach 5000 units.

best of luck

takanlah u tak tahu.....u r senior member since 2003 and already more 2492 posts.......... testing kah??

mfa = mutual fund agent??

1. unit trust - buy cheap and sell hign to make profits. so study the market for better/best timing.

2. unit trust - medium to long term. below 2-3 yrs not recommended. as current market trend, moderate/aggressive funds is the option but cannot guarantee the returns.

need some info from u-,

1. ur age -?
2. ur risk profile - conserveative/moderate/aggressive?
3. waht is ur investment objective? retirement/education or just for saving?
4. want to make use epf scheme?

Assume u r a high risk taker.

for DDI, better 2 diff acconts/funds.

for 50K, still 2 diff acc/funds. (25k x 2) but not need to pump 1 time. maybe 5k or 10k, whnever u c the correction or lower unit price, just enter to average down ur buying price..

happy investing.

1.if u hv PM online...u can repurchase ur units via online. the money will bank in to ur bank acc which u registered in PM online within 10 business days.

2. call ur agents to for repurshased. 10 business days to bank-in the money.

3. go to any PM branch, bring ur IC, do repurshased. same 10 business days.

u can reperchased all the units or partialy. if partialy, make sure minimum 1000 units remains.

Pittikal - moderate
PSF - moderate
Singapore - Aggressive (CASH- lump sump or DDI?)


planning going for,

PIDF - Moderate.
PSSF - Aggressive.

so 3 moderate funds and 2 aggressive - go for it. in the future, u can maintain these 4 acc's for top up ur next EPF withdrawal. or u can add 1 more aggressive fund for next epf withdrawal to balance 50% agrressive / 50% moderate.

actualy u can balance it base on ur risk/age factors like 30%/70%, 60%/40% 80%/20%......

if u in 30's, more aggressive funds... when u reach 50 yrs, u still hv 5 yrs for retirement.... so monitor the market and exit with profits and put back the money in EPF.

or just leave the money until 55. u can plan it later.

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Added on June 25, 2011, 11:46 amBro,
u need to max ur returns until u reach 55 years old with aggressive funds. after that as below;

otion 1: put all ur money in FD safely.

option 2 : switch ur fund to BOND/MM or dividends funds, where the distribution/dividend policy is annual income. this mean u will get the dividends annualy in any market trend.

Let say u hv 1 MIL units in BOND fund and if with the minimum RM0.05 declare annualy. investor may get 1,000 000 x RM0.05 = RM50,000 annualy.
the more the units the more the distribution/dividedns.......unit trust work this way.

and also, if the investor still aggresive and wants more returns, still can maintain in moderate funds where the distribution may goes up to RM0.10 or more in very good market trends.

don't mis understand abt capital gain/loss with distribution/dividends.
capital gain/loss - determine by unit price movement.
distribution/dividends - determine by how many units u hv and how much declare by fund manager.

ur investment value maybe affected due to any bubbles but u still get the distibution if fund manager declare.

example;
if u buy 1 mil PSF units in 02/01/2008 with the price RM0.7946 =
1,000 000 x RM0.7946
=RM794,600

at 31/12/08, the price is only RM0.5724=
1,000,000 x RM0.5724=
RM572,400

Capital lost = RMRM794,600 - RM572,400 =
RM222,200 (-27%)

FYE for PSF 2008, is Gross Distribution = RM0.075 per unit
= 1,000,000 x Rm0.075
RM75,000

even though capital lost about RM222,200 but this fund still manage to give distribution RM75,000.

I agree with ur undestanding abt risk managmnt on education plan.



















This post has been edited by kparam77: Jun 25 2011, 11:46 AM

if u realy don't want to touch ur money until 5 years...... u can come to PM to max ur money, otherwise, better stay with ASB.

EPF funds....better maintain the same funds.


DDI is for cash regular investment. if u want to save money for retirment u may go for DDI. assume ur retire at 55. 25 ysr to go......so no issue for DDI with aggressive/moderate FUNDs.

study all the aggressive funds,risk factor, past records/performance and decide. PAGF, PSSF, PIEF,PISEF,PEF and other local funds for consider. the well established moderate funds like PSF, PGF, PRSF, PIDF, PDSF can also.

plan first how much u need for ur reitrement plan.

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Added on June 25, 2011, 6:14 pmlocal or foreign fund?
how much?

This post has been edited by kparam77: Jun 25 2011, 06:14 PM

moderate / aggressive funds - 8% to 20%. its depends fund performance. local funds cukup-lah....

normaly average 10% is achivible for long term in unit trust.

yes bro........that why i say it depends on the fund performance and local fund cukup....... foreign funds kena berhati-hati, if investos not expose enough to foreign markets.

our frend asking for 5 yrs return.....pls check fund comparison at FP ADV on PIDF,PIEF and p.ittikal (already closed)....it abt average 15% to 18%.

maybe I should put average 8% to 20% can expect, but still depends on fund performance. pls correct me if I wrong.

tq.

ya, u correct and thks for the info's.

local 0.6 to 0.5 in 6 months........ but small amount. ur units never drop.......still can wait and u can average down ur unit price by top up.

balanced/equity....if u invest within 1 yrs.....give sometime for the fund work for ur money.

i hv PSF by dec 2010...it still below the capital but units increase by re-invest the distributios....need some time also to work.

need to wait at least 3 yrs to c the actual returns.

Rule of investment - do not panic.

buy cheap sell high to make profits. u should buy more if u think ur fund is in good track, ur agent can advice you. volatile market is normal and u should learn how to accumulate more units to average down ur buying price.

example;

fund A, buy at rm1.00, invest for rm1000.
total units = 1000

ur buying price is rm1.00 per unit.

if the unit price goes down to RM0.50, let say u top up rm1000
total units = 2000

so, ur total investment is Rm2000 and ur total units is 3000

so, ur average price per units is RM2000/ 3000 units
= Rm0.6666

so, ur buying price is no more Rm1.00 or Rm0.50 but it is RM0.66

u not need to wait the unit price to reach back Rm1.00 to make profits, if the market price reach RM0.70

ur total units 3000 x Rm0.70 = Rm2100, already make Rm100.

or just leave ur investment for long term.......let the units accumulates by re-invest by the distribution. same calculation for averge down the price.

unit trust medium to long term...3 yrs and above. if still go south...u turn to north.

If all the funds goes south....no turning back.

u jump..i jump...so every body kena jumpiang!!

waht i mean fund performance cannot be perdicted.....but an investor should advice on risk managent in unit trust if the investor too concervative..

normaly i advice my clients go for long term, instead worry abt current fund performance. for the past 25 to 30 yrs, 86/87, 97/98 and 2008/2009, market kena teruk and turn back. if not turn back................... habis-lah semua investors lost every single $.

today theedge says....europe severeign debt crisis/midle east/ possibility US slipping into recession/ china-inflation.....will there be another global economic slowdown after 2008???

any comment??

and it could be another buying opportunity for local markets??


correct me if i wrong.

LFC - license financial planer...maybe.