aiyoo... EPF give u how many % again?

Kemana Wang Saya Pergi (KWSP)....

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Added on June 4, 2012, 3:35 pmhttp://www.publicmutual.com.my/AboutUs/OurTrackRecord.aspx



This post has been edited by jonproperty: Jun 4 2012, 03:35 PM

mmm..

just found out another unit trust tool~~

fundsupermart~ have a look there~

do u guys invest in EPF is a wise choice? cos someone in other forum did mention MER really kills the return...

do you know waht is MER for?

no free lunch-lah kawan. if it realy kills, nobody make money. all loss...lossss....lossss....only.

for me, yes, wise choice, because my returns are better than EPF returns. so far.

if u want to invest in UT, cannot escape frm MER. if u want to pay less, choose the fund with large UIC.

1. EPF is a compulsory retirement fund every private employee must enroll. You do not select option to invest or not. Among the better terms is that the contribution out of your salary is tax deductible, and contribution from your employer is tax free. Seriously, it is the best means of savings.

2. People is always talking about savings and being "financial free", and always looking for means to enhance their savings; but often neglect to take advantage of the fact that employers' contribution to EPF is tax free. Just another 2-3 percentage extra (and tax free) savings over entire working life would makes a lot of difference.

3. Don't believe everything you read in forums... there are parties with "prawns behind stones" and need to be cautious and verify the info before accepting the info as truth.

4. Believe in your own rational understanding, and don't be distracted by technical jargon. If you want to investigate whether a fund is giving better returns than EPF; you just look into the basic fact: how much is the returns; other factors like how it is done, operational costs, etc. is just noise and distraction.


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Another Tip. (sharing experience & lessons cont.)[U]

This tip is actually a continuation of time wastage with greenhorn UTCs from previous post... where I wrote that bond funds can outperform equity fund.

This is simple to deduce since equity funds can be volatile and has negative returns in a bad year. But I don't think many bond funds, though staple and less risky than equity funds, can always better EPF's returns.

Certainly not in PM anyway. The good PM bond funds that outperformed EPF is often than not over-subscribe and closed to new investment.

Hard-selling UTCs will try to convince and rope in new investors by using "bait and switch" tactic. They will try to entice you with this 'bait' and then once you are hooked, they will "switch" to another available bond fund (similar but not doing so well against EPF).

Again, be aware and be cautious of everything you read in forums, including what I wrote!

Cheers.

BTW here's the link to the year-end financial statements. http://www.publicmutual.com.my/OurProducts...tatementFS.aspx

In the financial statements, you can read the returns for the past 1-year, 3-years, and for older funds 5-years. For comparison, average EPF returns are 1-year 6%, 3-years 5.82%, 5-years 5.55%.

This post has been edited by j.passing.by: Jun 4 2012, 06:11 PM

mostly employee whether government or private, will contribute to EPF (no choice, force too), but not the boss.. hahah... the wealthy and very rich, normally they have their investment in place where return are much higher. Different world of thinking.

Hi jonproperty, i assume you are an agent. Do you mind to share what kind of entry and exit rules do you advise for your client? We got master wongmungkeong to share his ideas and if you glad to share yours, it will be beneficial to the readers. And the best part, we might be able to combine the ideas.

sharing only..

i only advise my client to exist at minimum 10 years time. If possible, exist only when u need money or use it for retirement. let the compound interest grow. that's the power of UT. the longer u keep, the richer u r.

to entry it's plain simple. Set a target, i will let u know the gap u have to ur target vs what u plan to invest in, have common understanding of your goal, invest with either EPF or lum sum, or DDI depend on ur financial capability. anytime is a good time.

lol..the longer u keep the richer? sure? . sounds like a poorly informed agent
not really..some funds till after 10yrs..still loosing money

This post has been edited by kucingfight: Jun 5 2012, 08:32 PM

U don't know the power of compounded interest? google it.

invest smartly.. with right strategy, almost impossible to lose money in UT. r u losing money? let me know ur profile and i make u earn money for next 10 years? is that a deal? win-win.

invest 6 years with every month DDI RM500 ringgit, on 7th years u can withdraw RM500 for next 20 years. No joke, i show u the fact. Result speak thousand word. Detail investment secret? when we meet up, i share with u.

like some told me they invest in property, said lose money, but many other investor, earn money. Depend on where u invest, how u invest, and what strategy u have.

This post has been edited by jonproperty: Jun 5 2012, 08:58 PM

Public regular saving fund
3 years 58%
5 years 42%

most local funds perform like that. So for passive investor, it is good for them to invest for long term. But from there they wont learn anything it is like dumb in money and wait for it to grow.

A real investment should have minor and major adjustments depending on the markets. The above scenario is the best example to show that longer doesnt mean better. But it still shows that UT does generate money over long term. Infact some bond perform around that with much much lower risks.

mois, agree that's for no brainer.
a good investor will have bond and equity.
whenever market is down or up, they earn either way.

Got a fund that I bought for over 6years, but keep on going down, if up also never exceed my initial NAV value

mois,
Hope you don't mind, but I need to clarify that the above figures are taken from the performance chart, not the year-end financial report.

It shows the total percentage gained over the years if you had bought into the fund 3-years ago at 05-Jun-09 and hold it till today, and respectively for 5 years..

It will show an impressive gain or lost, if the 3-year or 5-year start point is in a trough or on a peak...

Anyway, it is still valid to support your argument that a longer period of time do not necessary translate into better returns... carry on.

If in the 7th year I can withdraw at least RM700, then i will say that's a good investment. Don't forget that RM500 this year doesn't have the same value of RM500 7 years later.

no thanks, i'm well aware of my own investments. thus i don need an agent. oh well, i don do public mutual anymore besides its' bonds only.
oh yeah, do you agents recommend bonds? hardly right?

yes, why not?
It is recommended to have bond and equity.

I think timing of enter and sell does play an important role. Just that nobody can predict when is the good time. But we try to avoid bad times to enter based on market situation... Or do DDI

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Added on June 5, 2012, 11:25 pmHow many percent compounded you are referring in order to get monthly rm500 for next 20 yrs?

This post has been edited by Kaka23: Jun 5 2012, 11:25 PM

Dear Unitholder,
We are pleased to attach the market wrap and bond market review for the week/fortnight ended 1 June 2012 for your information.
Regards
Customer Service

I understood that if we invest our EPF to buy UT, is 3.5% for PM...May I know how much from this 3.5% will go into agent commission?