CONGRATULATIONS TO ALL WINNERS OF AWARDS CELEBRATION CAMPAIGN 2011

http://www.publicmutual.com.my/LinkClick.a...wQA%3d&tabid=87

go to http://www.pk31-switch.blogspot.com

if u conservative , go for bond funds.

if u high risk taker, go for equity funds , but not now for local market. wait for GE.

my 2 cents.

waht is ur stop lost?

i think still can wait, DJ gettng up.. up. felda going to list before GE.

my 2 cents.

PRSF - its a equity fund. risk factor - moderate. 100% invest in local market.

this is one of the good fund. but no guarantee for future performance. read the prospectus.

for me, yes worht to invest. as long EPF, PNB ada hidup, fund ini boleh hidup.

but the entry timing also important. it shud be buy at cheaper price. i think better not enter at this time since market is high, high, hgh.

bonds funds always better with minimal risk unless get default.

u can hv both bond and equity. always review to balanced it, at least one a year.

if u still under learning process, better hold ur money in FD until u understand waht is UT abt.

enter the equity funds for higher price is risky-lah.

my 2 cetns.

my 10ringgit = tak untung tak pe,tapi jangan rugi sudah-lah.

a)beli murah, jual mahal = untung lebih.
b)beli mahal, jual lagi mahal = untung kurang
c)beli mahal, jual murah = rugi

saya suka a)

u go back to investment basics 101.

go to how to calculate unit trust in my signature.

mutual fund = unit trust

type of funds = bond/money market/equity........

diff = how the funds structured, risk facotr, asset allocation..etc...

i think the price will goes down during GE. nothing wrong wait for cheaper price.

my personal view only.

SC only charge 1 time only.

but since bond SC is only 0.25%, if switch to equity funds will charge 5.5%.

loaded unit = SC up to 5.5% - equtiy/balanced funds.
low-loaded units = SC up to 0.25% - bonds/money market.

let say if u buy bond, 0.25% wil be charge as SC, later if u switch to equity, another 5.5% will be charged. than if u switch back to bond, no SC because your units already as LOADED UNITS where no extra SC will applied.


from my blog, i only shows the gross distributions.

gross distribution - xxx = net distribution.
xxx = TAX n other fees include management/trustee.

so, waht u get is net distribution after deduct related tax/fess.(if any)

SO, except SC, others fees applicable annualy.

yes, buy before GE, that is direct stocks, not the funds.

if u buy equity funds now at high price, 5.5% SC, before reach the break even, kalau sudah jatuh apa macam?


buy stocks and take profis before GE.

worry abt the FDI will reduce during GE. if opp win 2/3..... sure market will crash for temp.

it will take some time to get the transparency. if so, its better enter during the market crash.

As long EPF hidup..... KLCI will hidup.............

HIDUP EPF....HIDUP MALAYSIA.

2008 temp only-mah........BN won already.

if u hit the target, better switch.

if u sell and enter back again, u need to pay another SC.

its not required, .....if the investor plan to switch frm bond low-loaded to equity.... need to pay SC.

equity funds SC up to 5.5%.

no, only 0.25%.

bonf funds is for annualy steady/income with min risk. so, generaly no good/bad time for it.
islamic funds open for all.