Dont time the market. Let the market run by itself. If got big drop, invest. If keep going up, it means you are buying at a higher price. Currently the CI kinda high. Defensive portfolio like 60/40 bond to equity not bad. Or more kiasu abit 70/30 depend on your risk appetite.

RM1.00 = 1 MGQP

if ur total investment is rm10k, ur points is 10k.

so u need another 90k points (or RM90K) to become mutual Gold Member.

not sure abt low-loaded units. anyone can confirm?

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Added on February 23, 2012, 12:01 amat the moment as i advice to my clients, hold the money first. or park the money in any bonds/MM funds.

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Added on February 23, 2012, 12:01 amat the moment as i advice to my clients, hold the money first. or park the money in any bonds/MM funds.

This post has been edited by kparam77: Feb 23 2012, 12:01 AM

Based on my on MGQP, $ left in low load units = 0 MGQP.
Loaded units however, even SWITCHED into bond funds, seemed to be still points, thus i suspect it's more of a "rebate" scheme - spend more on "service cost", earn more MGQP

I may be in lalaland on this though

This post has been edited by wongmunkeong: Feb 23 2012, 12:19 AM

i believe, all local equity funds will affected( if any). its better to pump the money sikit sikt after the GE. no best/worst time bro.

today NST publiched, the highest FDI for the year 2011. abt RM32.9bil. do u think FDI will remain during GE?

http://www.nst.com.my/top-news/malaysia-s-...in-2011-1.49988

anyone can share this abt FDI?

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Added on February 23, 2012, 12:15 amu cannot open acc with PM without agent. PMO, u only can do the transaction (top up/switch/repurchese) without ur tied agent consern/service.

u still need put to ur agent in PMO for any new purchase.

if u dont want any agency, sit for exam, get the lisence, u become ur own agency.

This post has been edited by kparam77: Feb 23 2012, 12:15 AM

HI kparam77,

Thanks frm you feed back.

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Added on February 23, 2012, 9:30 amHi Kparam77,
Thanks for your feedback. Any recommend local equity fund?

Cheer,


This post has been edited by felixmask: Feb 23 2012, 09:30 AM

[quote=holybo,Feb 22 2012, 07:02 PM]yes. the agent still earn commission from u

[/quote]

Thanks for your feed back.

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Added on February 23, 2012, 9:37 am[quote=kparam77,Feb 22 2012, 11:58 PM]RM1.00 = 1 MGQP

if ur total investment is rm10k, ur points is 10k.

so u need another 90k points (or RM90K) to become mutual Gold Member.

not sure abt low-loaded units. anyone can confirm?

---

Added on February 23, 2012, 12:01 am

at the moment as i advice to my clients, hold the money first. or park the money in any bonds/MM funds.

---

Added on February 23, 2012, 12:01 am

at the moment as i advice to my clients, hold the money first. or park the money in any bonds/MM funds.

[/quote]

Thanks for your feed back, you mean the minimun invest the public mutual GOLD is RM 10k. But not RM 1k?

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Added on February 23, 2012, 9:42 am

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Added on February 23, 2012, 12:15 am

u cannot open acc with PM without agent. PMO, u only can do the transaction (top up/switch/repurchese) without ur tied agent consern/service.

u still need put to ur agent in PMO for any new purchase.

if u dont want any agency, sit for exam, get the lisence, u become ur own agency.

[/quote]

My PMO do have an agent name inside, which mean I can purchase new funds from PMO anytime no need to meet my agent face to face right?

This post has been edited by XTREMEQ: Feb 23 2012, 09:42 AM

[quote=felixmask,Feb 23 2012, 09:28 AM]HI kparam77,

  Thanks frm you feed back.

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Added on February 23, 2012, 9:30 am
Hi Kparam77,
  Thanks for your feedback. Any recommend local equity fund?

Cheer,

[/quote]

suggestion only....... all epf approved equity funds.

study the funds first before enter.

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Added on February 23, 2012, 12:01 pm[quote=XTREMEQ,Feb 23 2012, 09:35 AM]
Thanks for your feed back.

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Added on February 23, 2012, 9:37 am

Thanks for your feed back, you mean the minimun invest the public mutual GOLD is RM 10k. But not RM 1k?

---

Added on February 23, 2012, 9:42 am

---

Added on February 23, 2012, 12:15 am

u cannot open acc with PM without agent. PMO, u only can do the transaction (top up/switch/repurchese) without ur tied agent consern/service.

u still need put to ur agent in PMO for any new purchase.

if u dont want any agency, sit for exam, get the lisence, u become ur own agency.

[/quote]

My PMO do have an agent name inside, which mean I can purchase new funds from PMO anytime no need to meet my agent face to face right?

[/quote]

min invest for mutual funds is rm1k.

to become mutual gold member = RM100K.
to become mutual gold elite member = RM500K.

http://www.publicmutual.com.my/MutualGold.aspx


yes, u can do anything via PMO without ur agent concern. but its better u get advice from ur agent before do anything.

This post has been edited by kparam77: Feb 23 2012, 12:01 PM

[quote=kparam77,Feb 23 2012, 11:55 AM]
suggestion only....... all epf approved equity funds.

study the funds first before enter.

kparam77,

THANKS YOU VERY MUCH.

Hi, I am thinking to switch my Regular Saving (from EPF) to Select Bond, afraid anything blow up (afraid Greece default). Do you think good time to do so? I saw the Select Bond performance is about about 4% only. Little le.

You cannot compare PRSF and PSBF. One is equity and one is bond fund.

seems that general consensus here is avoid MYR Equity funds for the time being...GE factor?

but nobody can really know how equity will move if ge is held right ? if PR win might go out since "more-transparency" ?

but then again the whole KLSE market is bullshit and full of sharks and manipulation , then again if it makes me money why should i care

EPF
PNB
LTTE (the angkatan tentera fund)

too many institutional investors

PR win, GLC might be affected
AVOID SARAWAK COMPANIES AT ALL COSTS

so, u still buying in regularly?

This post has been edited by Pink Spider: Feb 23 2012, 08:02 PM

still planning to get a good bond fund and also to throw my epf into pmutual...

apart from that need cash to throw into reit also

I recommend AmDynamic Bond (MYR) and Hwang Select Bond Fund (MYR + Asian Bonds)

Both consistent strong performers

Sorry PM agents

quoted and noted

amdyn got exit fee right ?

hwang can pakai meh ?

1% Exit Fee, 0% Entry Fee

Hwang SBF is worth consideration if u are like me, believe in diversification
Almost 50/50 split between MYR and other Asian Bonds

okie sien so many account spread over so many companies..

the hwang can be bought from fundsupermart ?

Hwang not available thru FSM, I buy thru bank

bank ? which one ?