if u got public mutual online, u can do withdrawal online. or go to nearest branch.

u need to open an acc min rm1k with agent B. than top up with agent B.

just set ur STOP/CUT LOST-lah bro because nobody know the worst scenario when will be. maybe tommorow, next week, next month, or next year????????????

abt the price, its depends waht is the price u boughts before. if u bougth for rm.080, rm0.50 maybe the worst.
if u bought it for rm0.50, rm0.30 is the worst.

so, waht is ur buying price and take note of ur average price. if u bought it for RM0.80, ur average price shud above rm0.80 by default, this is because the affect of service charge.

ASSUMing ONLY:
if ur buying price is RM0.80, and u set ur stop/cut lost at rm0.65.

let say ur average price is RM0.810, actualy ur stop/cut lost shud be rm0.66.

but dont marah i-lah, IF,price pick-up after the rm0.66, because ASSUMING ONLY-LAH.


take note, if u switch to bond, ur free insurance not-valid, n ur insurance depends on how many units u hold. by switching to bond and switch back to ittikal, ur no of units may diff, less or more.

i think can, u can try since u hv PMO.

why u want to hv 2 seperate acc for 1 fund?

ok, understand.

not need to switch now, market upping and upping, maybe u can wait untul GE, who knows chepaer price.

im still holding my clients epf for cheaper price.

my 2 cents.

saving fund is one of the good fund frm PM. but average 12% is not guarantee. it could be 5-12% over the time and not guarantee too. its investment scheme where comes with risk.

dividedns twice a year??? only in blue moon, if the market super dooper good.

for unit trsut is call distribution, not the dividedns. dividedns is extra money. distribution frm own money, from left hand to right hand and maintain same no of units.

unit trsut not similar as saving acc. saving is saving, investment is investment.

ask the agent, after 3 month withdraw the money with dividedns?, without dividedns?, higher or lesser???

study firtst before enter.

tak untung tak-pe, tapi jangan rugiloh.

public mutual managing the trust funds, not as the saving acc. one of the fund name is saving fund, but still unit trust.

for beginner like u, shud know abt the service charge in unit trsut, WHILE, no service charge for saving acc. u better ask abt the service charge with ur agent. if, the agent says,yes, .....................confirm it is TRUST FUND.

this for u..........

DISCLAIMER: DO NOT TAKE THIS AS UNIT TRUST SELLING MATERIAL/ PROMOTING UT. READERS SHOULD UNDERSTAND ABT UT BY READING THE MASTER PROSPECTUS BEFORE DOES INVESTMENT. THE UNIT PRICE MAY GOES DOWN AND GOES UP FOLLOW THE MARKET TREND. INVESTING IN UNIT TRSUT IS WITH UR OWN RISK. AND PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE PERFORMANCE.-----------------------------------------------------------------

How to Calculate Service Charge and the affects of market condition?

Example :
Let assume that an investor invest RM10,000 in a fund where the price is RM0.50 on that day(NAV). The service charge is 5.5% per unit on NAV price which is RM0.50.
Amount invested / NAV Per unit
RM10,000 / RM0.50 = 20,000 units


Service charge per unit = NAV per unit x Service Charge(%)
= RM0.50 x 5.5%
= RM0.0275


So, The total service Charge incurred by Investor is
= Service Charge per unit x Units credited to investor
= Rm0.0275 x 20,000 units
= RM550.00


Following the above, the total amount payable by investor is
= Amount invested + service charge
= RM10,000 + RM550
= RM10,550

tapi biasanya, SC dipotong dari amount invested,

katakan capital adalah RM10,550

formula untuk SC adalah;

SC =Service charge = 5.50% per unit of NAV.
(A) = capital = RM10550
SC = (10,550) – [(10,550) / (1+5.5%)],
SC = RM10550 – RM10550/(1+ 0.055),
SC = RM10550 – RM10550 / 1.055
SC = Rm10550 – RM10,000
Sc = RM550.

What is the affect of SC if buy at diff unit price.
As the above when the price is RM0.50, SC 5.5% =
= RM0.0275 for per unit.
For 20,000 units = RM550.00


Let say the price increase to RM0.60 with the same SC,
RM0.60 x 5.5%
= RM0.033 per unit.
For 20,000 units
20,000 x RM0.033
RM660.00


Let say the price goes down to RM0.40 with the same SC.
RM0.40 x 5.5%
RM0.022 per unit
For 20,000 units,
20,000 x RM0.022
RM440


Conclusion,
For the same SC, if the unit price is goes down, SC will be less for per-unit and vice-versa.

Above calculation base on SC per unit.

Let’s calculate base of amount paid and the affect of same 5.5% SC.

If the unit price RM0.50,
For the amount paid RM10550, total units purchased is 20,000 as per shows above.


For the unit price RM0.60,
SC =Service charge = 5.50% per unit of NAV.
(A) = capital = RM10550
SC = (10,550) – [(10,550) / (1+5.5%)],
SC = RM10550 – RM10550/(1+ 0.055),
SC = RM10550 – RM10550 / 1.055
SC = Rm10550 – RM10,000
Sc = RM550.
So, the SC is RM550.
So, RM10550 – RM550 = balance = RM10,000
Units = RM10,000 / RM0.60
= 16,666.66 units.



For the unit price RM0.40,
SC =Service charge = 5.50% per unit of NAV.
(A) = capital = RM10550
SC = (10,550) – [(10,550) / (1+5.5%)],
SC = RM10550 – RM10550/(1+ 0.055),
SC = RM10550 – RM10550 / 1.055
SC = Rm10550 – RM10,000
Sc = RM550.
So, the SC is RM550.
So, RM10550 – RM550 = balance = RM10,000
Units = RM10,000 / RM0.40
= 25,000 units.


Conclusion;
For the capital RM10,550;
If the unit price RM0.40, will get 25,000 units
If the unit price RM0.50, will get 20,000 units
If the unit price RM0.60, will get 16,666.66 units


SO,
If the unit price getting lower and lower, Will get more units for same amount of capital with same SC and vice-versa.

this is beginning only, and u need to educate yourself more abt unit trust if u want make profits.

---

Added on February 10, 2012, 10:56 amtak untung tak-pe, tapi jangan rugi-loh.

i think for cash, can do ddi, but from epf, better think first. waht i worry is abt the next election will affect the market.

This post has been edited by kparam77: Feb 10 2012, 10:56 AM

Date : 10 February 2012
Closure of Sales for Public Islamic Sector Select Fund

We wish to inform that Public Islamic Sector Select Fund (PISSF) will be closed for
sales with effect from 1 March 2012 (Thursday). We will continue to process
investments for existing Direct Debit and Regular Investment instructions.

Please contact our Customer Service Hotline at 03-6207 5000 (Kuala Lumpur),
04-729 1500 (Penang) or 05-210 6500 (Ipoh) if you have any enquiry regarding the
above matter.

Thank you.

Regards,

im holding my epf top up and my clients too. market 1500++. waiting for GE, it may down. i think not the good time for top up now in equity funds. bond can for temp.

even for ddi u can wait abt 6 months to start.

KLCI is over 1500++, and it could be dowm after coming GE. so, better wait for cheaper price for local funds. or buy bond, and switch to equity later after the GE.

my 2 cents.

Generaly,
no good/bad time for DDI.

DDI, less unit for higher price and more units for cheaper price. u only can make profits if ur average price lesser than market price.

ur DDI wont give u profits if the market is down down down. market shud flactuate or uptrend to give u profits over the time.

yes, if u believe u can profits in PFETIF over the time.
no, if u not sure.

the choice is urs because tis fund is high risk.


my 2 cents.

only the dividedns for 2011 is not updated.

pls inform me if u find anything not updated or mislead.

tq.

maybe yes or maybe no,

but better defensive.

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 amat 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 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

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?

---

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

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

  Thanks frm you feed back.

---

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.

---

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

---

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

unfortunaly, only select bond fund available f0r epf scheme. so no choice. hv to go select bond for switching. u want to switvh for safety, so dont care abt the returns if u plan to switch back to equity later.

tak untung tak pe...jangan rugi.

abt the timing, not sure yet. i think, greece default wont effect very badly in malaysia before the GE. EPF/PNB is waiting to support malaysia market.

FDI only 32bil, epf itself has allocate 30 -35% from rm450bil, its abt rm130 -rm150bil (only 30% allocated in oversea).


.........................I THINK ONLY-LE..........................

Folow up........ pls ignore my previous stament.

yes, u can. u need to choose NONE(in chossing agents column) and complete the transaction. u will be directly under company managemnt insted of agency. But the service charge will remain same.

is it?, i just call customer service tis morniong to confirm it.