Guys, can we for a moment stop this arguments and move forward with tips/insights on the right approach to prosper in Public Mutual?

Right of course silliness.

If one were to state that one can withdraw from EPF A/C1 for mutual funds now for XYZ
AND things change in a month's time,
shouldn't one get the latest via Google-ing and calling the respective parties before before planning and/or executing?

Statements of facts are facts at a certain point of time my dear.
I'm sure U and anyone with at least half a brain (i've 50% only ) do know that as time goes on, process and details change.
Perhaps i've too high an expectation of U, my apologies

BTW, change of "matter/issue" back to "statement of facts Vs speculation" eh?
Not about "contradictions to EPF's blah blah" anymore?
So familiar when can't discuss logically or pin-point the goals/problem to solve, twist and turn (like the dance ) .. sounds like me, looks like me but not me.

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Added on April 18, 2012, 2:20 pmSorry bro Izzudrecoba, i'd like to clarify expectations with the man himself first before i "mislead", "speculate" and "contradict" before sharing other stuff. This is NOT the first time Howszat started slinging. Last round also about same stuff about me asking fellow forumers to Google certain items / concepts after sharing the gist/big picture, and when clarified and stuff, kept changing the "matter", just like now.

Asking fellow forumers to Google something for more details and call respective parties directly is NOT OK or OK?
a. after sharing what i myself found out + stuff which may be too detailed
b. to be safe, as a reminder to check directly for processes & details
c. things which are written to death and needn't be repeated as a whole here (eg. Asset Allocation, Value Cost Averaging, Dollar Cost Averaging, Value Investing, etc.)

What to do - i don't want to "speculate", "mislead" or "contradict" mar but the problem keeps changing lor when i try to nail down what's actually bugging Howszat. May be i shouldn't bother, it's just that time of week/month/year, comprehension issues / my English lousy gua.
Bring / add some value lar, don't just waste oxygen right? If Howszat KNOWS that it has been repealed or stopped, then just share lar - oh wait, it may have changed by the time he posts

This post has been edited by wongmunkeong: Apr 18 2012, 02:29 PM

The fact is, I never ever said Googling is not OK. Amazing how people try to twist and turn the facts. Anyway, people can decide for themselves. That's all from me on this topic.

Eh - still haven't solved/come to conclusion on "issue matter" which seems to change as we're pin-pointing the real issue, twisting and turning into something else as pointed earlier, and U turn around and said U NEVER EVER said Googling is not OK?

Right.. my dear, this is a forum and it has search functions
Just to clarify my point:

Pray tell, what do U mean by meaningless to tell people to "google" those days? Meaningless to Google... hm.. and because i asked fellow forumers to google + U stated the above.. = ?

Of course, to be fair, must have the entirety mar right?
Here ya go, PDF file:  Round_the_round_the_merry_go_round_Pt_1_from_2011_Aug.pdf ( 781.33k ) Number of downloads: 26


Need me to archive our most recent discussion (well, mostly lopsided since i HAVE half-a-brain) with multiple changes of "issue matter" like the PDF attached, to show the flow and "twist and turn the facts"?

PS:
Oh heck, had too much chocolate mocha cakes and can't zzz due to the caffeine
Since i've time to kill, documented the flow for your easy digestion dear Howszat. There is a fundamental issue with your arguments - i did ask Simple1 to Google and buzz the fund house even before Simple1 asked like "How can KWSP do such thing.." (something to that effect lar)
Here ya go, PDF file:  Round_the_round_the_merry_go_round_Pt_2_from_2012_Apr.pdf ( 931k ) Number of downloads: 15


This post has been edited by wongmunkeong: Apr 19 2012, 12:42 AM

why wah you two flame war ?

Heheh - not flame lar, just trying to get to the bottom of the "problem/heart of the matter", then de-generated a bit .
To solve a problem or issue matter, one must understand what is the "problem" / "issue matter" clearly -
Since i seem to be solving / explaining the "wrong" issue matter, i clarified again and again lor, since it kept changing.

My apologies fellow forumers & mods - i tend to want to clarify and solve/fix/explain but when the issue matter keeps changing, i wanted to nail down the real issue matter to solve, thus the long winded ding-dong.

This post has been edited by wongmunkeong: Apr 20 2012, 09:06 AM

Excuse me. Can someone suggest an online place to monitor unit trust fund performance/price? TQVM

Try these:
General:
http://www.bloomberg.com/markets/funds/country/malaysia/

PM only:
http://www.publicmutual.com.my/application...formancenw.aspx
http://www.publicmutual.com.my/OurProducts/FundRatings.aspx

Hope these help.

Bloomberg rounded to 2 decimals only

er.. i don't know about U but my number of invested and to be invested units aren't in the trillions, thus, missing the 3rd and 4th decimals doesn't affect me much

Haha. Like

I update my portfolio down to the 4th decimal...

Then i think it's best to go specific fund house's site by site to update - use Excel's web data to pull automatically to your spreadsheet, then have your trackers read from that file.
Hehhe - i'm plain lazy thus resorted to the above for PM & Eastspring (was PRU) mutual funds

Almost 1 year i switch all my equity fund to PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND at NAV 1.0331. I see there new BOND fund PUBLIC ENTERPRISES BOND FUND.

After i read Prospecctus mention about :


" providing annual income by investing at least 75% of it NAV in sovereign bond and corporate bond" and "30% of its NAV in foreign fixed income security"


Anybody know what Soverign Bond the manager invest? What the risk and return?


Is good idea switch my currend BOND fund to PUBLIC ISLAMIC INFRASTRUCTURE BOND fund?

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Added on April 20, 2012, 8:06 pmHi Kparam77,

I see you mention wait after GE only switch to equity fund. Below is my question

1) When the best time?
2) Can elaborate possible scenario if BM or Oppsition win, how the KLCI market will perform?
3) Euro Zone Debt crisis already juggling for more than 1 year - from Greece, Portugal and Ireland, now SPAIN..what next?


Juz opinion since we all dont hv Cristal BALL to tell the future.
Any sifu can share. Since this Forum we all can dicuss all the possible think can happen with no harm

This post has been edited by felixmask: Apr 20 2012, 08:08 PM

it's a suggetion only, no right no wrong.
market may goes down during election, so can buy units for cheaper price.

Hi Felix.

Just as U know that none of us have crystal balls (some think they do but in reality..), maybe KParam may not want to get into details of his views/opinions (not seeing the future with crystal balls), since there seem to be some forumers that hurl accusations or use "PM rules said this/that" when people share views and opinions purely without any hidden agenda.

Entah entah, suddenly a fellow forumer with your similar name and some others pop up and take pot shots just because people shared their personal views/opinions/what works for them. Very sian lor with baiters and slingers that doesn't take the time to know who's here for sharing and who's here for mostly business.

If you're new, check out KParam's ding-dong with Felix (recently) & LunchTime (a couple of months back) + mine with the recent discussion which basis was on lousy comprehension of the written word.
Just a thought

This post has been edited by wongmunkeong: Apr 21 2012, 01:16 PM

Thanks wongmunkeong and kparam.

- Invest MORE when the stock market is low.
- This means never invest all at once, so you don't have to care how low or high the market will go.
- A true investment is like saving bit by bit. Putting all your money on the table and wishing for good returns is more like betting and gambling.
- Set aside extra money to "bet" when market is down.

I did NOT follow above and now lost 20%. Was 40% lost 2 years ago. Is that good or bad as I gain 20% in 2 years?
Only benefit now is the free monthly magazine.

more tips...
- you can buy into PB funds by going to a Public Bank and just ask for a form. No "advisor" involved. Fill in form and pay at the cashier counter. (Both PB and Public funds same commision... but PB no need "advisor". So you only blame yourself if your investment turns sour. )

- my favourite fund is PB Asean fund... I got returns from it while lose money from other funds - especially those that have stocks in China region - ie. China Pacific Equity. Bought them at the wrong time and they cannot bounce back.

- switch and park your equity funds to bond funds when market is going downhill. Don't cash them out unless you want to exit from PM forever. This way you can switch back to equity fund when the market is already down. If you cash out and buy back, you will incur another 5%+ service charge/commision. This service charge is comparatively high and not easy for any fund to gain more than 5% in any one year. You only make real money ACCUMULATIVELY over several years; which also indirectly lower the commision over the years. Example, 5 years will reduce commission to about 1% while accumulative gains of about 6% over 5 years is about 30%.

- be very careful in taking money out of EPF. EPF returns is already quite good. If the fund is good, it only give you extra 1-4%; but if is bad, you can lose more. If the fund lose 1-2%, you already lose 6-7% when EPF interest is added. On top of that you already pay the commision, and so not tend to pull out within 1-2 years, so more accumulate losts!

This post has been edited by j.passing.by: Apr 21 2012, 05:50 PM

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Totally i agree you opinion. Before 2008, i invest in equity Fund then go downhill never though park my money to bond fund. I still pump money little by little and mange to break even by 2011.(Cost Dollar averaging). Learn from my previous mistake i have move most my fund lower risk when the market volatile to downhill.