Yes U can directly pop into a PM office - the $ will be sent via cheque or banked into your account if U've a Public Bank account methinks.
U can email customer@publicmutual.com.my for the list and detailed procedures or call +60(3)62075000


Hope the above helps

This post has been edited by wongmunkeong: Feb 2 2012, 11:52 AM

Like PSBF, it's open for EPF subscription, NOT cash

Hi TechieOpinion,
er.. i've no crystal balls to see how feasible P.Ittkal would be for the long run, sorry.
Worse case scenerio? Hm $0 NAV possible but not probable though.

Your idea of entry buy & hold, then exit when current economic climate change - is do-able but specifics must be drawn out IMHO, thus U have a plan once triggered. Cant plan AND execute properly when "there's fire" right?
Eg.
What do U mean by ?current economic climate change"? KLCI? or GDP? or BNM's OPR rates?
What if the KLCI index is still so-so (around 1500 to 1600) but P.Ittikal drops like a stone?
What if the KLCI index is still so-so (around 1500 to 1600) but P.Ittikal surges like a rocket making U 50% in less than 1yr?
What if the KLCI index is surges (around 1600 to 1700) but P.Ittikal drops like a stone or doesnt budge?

I personally invest with "dunno the future for sure" approach since i've no crystal balls, thus, i use Asset Allocation as a basis + execute buying using value averaging & value lump sum opportunities, with several exit plans.

me, PRSEC - every 3 months value averaging. Y? U've some inside info or something?

U, my friend, are an enlightened investor and responsible person.

Beware of holding too long heheh - like some of my buddies in 2009 end to 2010 end.
KLCI has been running up since Nov/Dec 2011 (contrary to the prevailing fear/gloom of Euro & MY's post election)

Personally, i beh tahan in Dec, holding too much cash & bonds (DOUBLE the planned % of my Asset Allocation).
Forced myself to buy chunks of PIX, PFEPRF, stocks and REITs to peter down my Fixed Income assets to less crazy %.

Just a thought

This post has been edited by wongmunkeong: Feb 10 2012, 09:14 AM

I think there's some very bad misrepresentation by agent OR misunderstanding by U. If there is such an animal paying 12% on average per year and similar to savings account, i think most of the folks here will be jumping in. Better get more detailed info.

And thus one should think of having no fear/greed entry & exit rules ON TOP of human judgement-based value
Who said cannot use multiple approaches/methods? heheh

BTW, PFEPRF - that was the one that i made about 66%+ net profit in less than 1 year in 2009 using trend entry

Whoa bro. I've already gotten in last Dec leh, now profiting. No way can i say for sure (even in Dec) that U will "sure win". It's just a higher probability, k. Be careful and do Asset Allocation too.
Other peoples' methods may not suit U & vice-versa, yada yada yada (caveat emptor)

---

Added on February 10, 2012, 1:21 pmhttp://forum.lowyat.net/index.php?showtopi...&#entry45470710
http://forum.lowyat.net/topic/2007814/+430
Pls note it's no crystal ball yar - just higher probability of returns.
Other peoples' methods may not suit U & vice-versa, yada yada yada (caveat emptor)

This post has been edited by wongmunkeong: Feb 10 2012, 01:24 PM

Ah.. about EPF a/c 1 (huh a/c2? U mean U take out for mortgage but use for mutual funds? or typo and meant A/C1):
IF U didnt take out say.. $10K last qtr, it doesnt mean U can take out $20K (2nd quarter mar) this quarter coz it's based on (X-Y) *20% formula, the % is the troublemaker.

In addition EPF a/c1 can only get into EPF approved funds, which sadly PFEPRF isnt. Used to be able to do so (several donkey years ago) though before EPF changed its regulations

U cant switch to PFEPRF coz U r using EPF funds (not EPF approved equity fund)

This post has been edited by wongmunkeong: Feb 10 2012, 01:28 PM

Hm.. i would recommend... getting to know your requirements first, asset allocation, etc. heheh.
I dont want to recommend buta lar. Thus, i've always tried to share the idea/concept of a holistic investment plan & methodologies.

Personally, from my own tracking & calculations:
1. PIX has been in Accumulation trend (NAV vs 50days & 200days SMA) since end Dec 2011
I've put in a chunk in Dec + another 50% recently (i see see still accumulation trend after 20+ transaction days and higher high NAV, shd be ok lar for me)

2. PAGF just entered Accumulation trend (NAV vs 50days & 200days SMA) on the 8th of Feb
If it continues for another 5 transaction days, i'll go in here as well (still lopsided % in my Asset Allocation a bit) since I want exposure to small/growth companies AND "up to 30%" foreign equities (which i have low Asset Allocation held %).

Note, I am also doing value+dollar averaging every quarter in PAGF. In addtion, "my way is NOT the only way" - caveat emptor.

This post has been edited by wongmunkeong: Feb 10 2012, 01:45 PM

er.. not a lot comparatively coz i'm holding "nearly too much %" of Fixed Income assets when compared to Biz Equities & Real Estate Equities.
Thus, no FEAR fear.

Think of it another way, what IF (oh lord, another one of those ) EU decides to do a QE?
Or US goes for another QE?

Of course there are those that says, what IF the financial markets go to hell?

I dont have crystal balls, thus just trying to reign-in my % of Fixed Income.
Mind U, my % is AFTER deducting 1 years' worth of living expenses, thus, safe enough unless i spend like a multi-millionaire lor

Off Topic a bit
Of the 3 stocks i "forced buy" in Dec, 3 is making profits but the craziest is Coastal Contracts. Imagine 35%+ net profit within 1+ to 2 months! Er.. value buy lar this based on my own calculations. The other 2 was PBank & iCap (hell, who am i to argue with sales price discounts - thanks bro Gark )

This post has been edited by wongmunkeong: Feb 10 2012, 02:09 PM

No lar, i live cheaply thus need very little bullets heheh - simplified LIFEstyle (big on LIFE, small on style).
That's my way of having enough to invest .

Yup, "Coastal". By my calculation, it's intrinsic DISCOUNTED value was about $1.99+/-. It was, by pure luck, $1.80+ when i was sieving for value stocks to buy due to Asset Re-balancing.

Thanks for yr kind words NightzStar. It's not really comprehensive & systematic enough to me i'm sure there are much more loopholes i need to plug.
The obvious ones plugged coz i noticed my normal methods (buying value & value + dollar averaging) was pulling back too much too long, thus i had to do a forced rebalancing once my AA (Ass Allo) was really out of whack (eg. 25% to 30%+/- off the planned values).

I've shared some of my methodologies somewhere earlier (i think in Fund Management/Investment topic) asking for criticisms and feedback but none so far
http://forum.lowyat.net/topic/690951/+1850

Can help eyeball a bit and borrow your brain power?

Hm.. as a starter, i'd really suggest using only EPF a/c1 for mutual funds coz there is no cash flow impact, UNLESS U are a biz person that has no EPF.
For cash, U shd try direct REITs investment OR foreign focused mutual funds - thus there is some diversification in Asset Classes and Sub-classes.
In addition, U will then learn about the underlying assets of equity funds as well - most "investors" do not know what makes up an Equity fund or Bond fund or Mixed fund.
Just an opinion yar, no right/wrong.

This post has been edited by wongmunkeong: Feb 10 2012, 04:18 PM

REITs? Try here:
http://forum.lowyat.net/topic/1993103/+102
http://mreit.reitdata.com/

Thanks for your kind thoughts NgaiSteve1, believe me, it can be much better hehe - currently it's just a patchwork of WIPs. I need other POVs and experiences to make and be better.

Liquidity?
Hm.. if i need to get into stocks due to major market lelong OR asset re-balancing AND say most of my $ is in bond funds,
i'd switch from Bond Funds to PIX ("blue chips" / big boys stocks) or PAGF (2nd tiers aggressively growing companies).
Pls note that most of my bond funds & equity funds are EPF-based

If i see Value in a SPECIFIC stock, i have enough cash to buy for sure coz i dont buy by the 100s of thousands Small time investor only .
Note - within Fixed Income class of asset, i have sub-allocation between (Bond Funds + EPF) and pure cash (flexi mortgage, HLeB, bank accounts). Thus, the pure cash portion can be channeled when needed to a stock or two.
It's not often finding good value for individual stocks as i filter down to about 10 to 14 stocks to watch only, thus, usually I've got enough cash in hand.
Worse case scenario, rob my cash bond funds or swap some REITs for normal Stocks if it's that worthwhile or for re-balancing purposes.
Selling off unit trust / redeeming for cash very fast mar, only 3 days or so. My broker in HLeB (thank U sir) is ok if i'm a bit late with the T+3 heheh coz i've nearly perpetually pre-paid (ie. have more cash in my account than needed) all my stocks & REITs purchases.

Main points to share i think would be:
Have a plan
1. IF this and this happens,
BUY/SELL/SWITCH this to this
FROM EPF or Cash first, then EPF or Cash next

2. IF this and this happens,
BUY/SELL/SWITCH this to this
FROM EPF or Cash first, then EPF or Cash next

3. etc.

Sorry yar if it seems like programming - i AM an IT nerd after all

This post has been edited by wongmunkeong: Feb 10 2012, 09:55 PM

Switching fee is either 0 or $25 for me, no matter what amount, for loaded units. Thus, no biggie leh

Hey there ClickNSnap,
Yup - spot on, SCB's MortgageOne. Unsure about RHB's though - it's slightly different in EPF's eyes, thus cant touch yr A/C2 to kick down the principal amount the last i checked (loooong ago when RHB's revolving home loan first came out). Alliance bank & UOB also has similar stuff like SCB's MortgageOne.
er... i think better take this topic somewhere else or PM before mod come after us from deviating from this topic

Chec for Updates at: http://www.publicmutual.com.my/Resources/A...cementNews.aspx

at the "More Announcement and News Update"
eg.
13 Jan 2012
http://www.publicmutual.com.my/LinkClick.a...Qwg%3d&tabid=87

This post has been edited by wongmunkeong: Feb 11 2012, 01:46 PM

Just FYI, if U have a PBank online account, U can do PM "top up" directly for existing funds - ie. U got to have yr fund's account number, thus U can avoid PMO usage other than for switching & tracking.

Just a thought