People always say that it's best to switch to bond fund to prevent further losses/lock in profit when the market is bearish, and then switch back to equity when the market is going up again. This is because it costs nothing to switch to bond fund and only RM25 to switch back from bond fund to equity fund. (talking about PM here)

However, it is not so anymore. Look at the chart below:


If you switch from equity to bond, you incur RM 25 charge.

If you then switch back from bond (low load bond - all bond funds under Public Series of Funds are low load) to equity, you STILL have to pay the 5.5% service charge! What's the difference here if you just sell and then come back again when the market go up?

Is now the good time to 'start' investing in Public Mutual? I remember the boom time is on 2006-2007.  Just curious

So for the past three years, did PMutual earnings stabilizes? What can we expect the current trend from now on since last year economic crisis? I found out that PM recently introducing the Islamic version, is there any differences in terms of annual dividends? Sorry for the noob questions

Hi, could i check with you all on something.

I have made my first investment in mutual fund last october with a mutual fund agent,Miss A.

Then after that, i dont have any transactions.

Today i make an additional investment to my first investment. Will Miss A get any commission from my add investment? if yes, how much? Just curious

Btw, if i start my another initial investment in mutual fund online by myself, what is the charges?

Thanks in advance for your help

Thanks for your advices
By the way, is there any way to change agent for the fund?
Maybe i am a too inactive until she didnt contact me at all.. haha

If I want to use my KWSP / EPF money for Public Mutual purpose what is the condition ?

Using EPF to invest in mutual fund?
Well. This depends. It is alright to diversify your money inside EPF, and also a good choice. Since EPF money cannot be touched until you reach retirement (exception for buy house, study loan and bla bla bla as u guys know about it)..

One thing good in unit trust is the capital appreciation, which will see good real $$$ coming in. Money in EPF, if the interest is not able to beat inflation, will not be so good. Last year, declared about 5+ % for EPF.

In unit trust, when unit price goes higher, you return will be amplified, and also got interest / dividend. Of course, what you need to bear in mind is, unit trust unit price can appreciate and depreciate. But as a long term, it will be a good upward line.

EPF, 1 year can invest 4 times only. Once every 3 months. And there is a calculation on the allocation for investment on EPF. You cannot just dump in everything into it..

Wonder if anyone knows is there a cost and limit to switch one fund to another?

Got 1 question... let's say if the fund I invest thru monthly regular investing is closed or fund all suscribed, will the monthly regular investing keep continued to put money into that fund?