yeahh.... 2009 was indeed a good year for unit trust returns.

mars1069,

since you're on the public series.. it's not "compatible" with PBFI (pb series). as you can't do a switch between these series.

for local content bond, PIBOND is superb but unfortunately they closed the fund jorh..

PBOND has a foreign element in it and because of it, the fluctuation(beta/risk) is higher.. since i don't know what "foreign papers" are in there, i choose to avoid it..

only if you spot an impending crash.. then only switch to a money market fund as a last resort (since it's easy to create a new account and switch immediately via pm online.. so, you don't have to pre-open a money market fund as standby)..

or if you are facing an imminent upward surge of interest rates (for this will kill both equity and bonds.. at some upward point, but will temporary benefit cash accounts).. but if interest rates remain high, it'll chock everything..

maybe because youngsters today are too preoccupied with gadgets/cars/luxuries/vacations/fashions
and probably place "investment" on the lowest priority (spending as the higher priority)