my 5 epf clients waiting for fishing tooooooo.

if it drop due to external factor, nothing to do with GE. still depends on extranal factor.

if market drop very bad before the GE due to external factor, KLCI stocks maybe in cheap already. during GE, maybe no effect for local market since already drop. unless market steady and during GE, diff issue/scenario.

my assumption only. maybe wrong.

NO

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This post has been edited by kparam77: May 21 2012, 11:53 PM

for existing acc, still need to chosse the tied agent. for new acc, u can choose none.

why u worry if u dont hv epf? there are money potential funds waiting for u. just do homework which one is match with ur risk tolerance. or get a PB series agent to guides u.

PCIF, PCSF.....

ya, why not if u a high risk taker?? this funds realy high risk-loh

read the master prospetus at least 3 times. the answers for ur Q's are there.

http://www.publicmutual.com.my/OurProducts...Prospectus.aspx

i think its fair for UTC to skip the SC because UTC are authorized distributors.

just like, if u work for company, if u buy their product, u deserve to get the discount. am i right?

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.

its 3% only... not 3.5%. agents commision lower than 3%.

why u need tis info?

commision for cash higher thn epf commision since SC for cash is 5.5%.

expected compounded ror 5 -10%, u can calculate at http://www.thecalculatorsite.com/finance/c...tor.php#results

it may higher thn 10% if the funds perform well always.

1k = 1% per month? average 12% p.a?
capital gain? or income distribution?

may not posible for capital gain. market always volatile time to time.

income distributions, depends on FM.

so, the answers is, RETURNS ARE NOT GUARANTEE IN ANY INVESTMENT INCLUDING UT.

but if ur Q is around 5% p.a for income distribution. may posible in bond funds but again not guarantee too.

the expectation in UT is around average compounded total return 5 - 9% or the most 15% ( but very hard unless the fund perform super dooper in any market trend) over the time. take note, expectation only.

5% to 8% is good enuf-lah kawan.

my suggetion: study abt capital gain and income distributon and the involve risks in UT before make decision.

extra suggestion: invest rm100k lump sum in the current market situation in equity funds, is not a good idea.

simple calculation: assume both start at same date.
5% + 7% / 2 = average 6% maybe. ah wong correct me if i wrong.

u can consider moderate funds.
http://www.publicmutual.com.my/LinkClick.a...W8%3d&tabid=248

since u r new, get a agent to guide u and plan for u with ur risk tolerance.

need some info from u to get better plan.

ur age?
ur risk tolerance? i think u r convervative to moderate?
lump sum?how much? or regular investment?how much?
retirment plan or others?
ur expecting around 8%? are u ok if arougn 5% to 8%?
time duration? 10 yrs or more?
and ur target amount or future value o achieve?

waht is ur expectaion capital gain?
u r interested in mix asset/balance funds. cannot guarantee for high capital gain in 5 yrs for current market situation.

timing must be faverable for u in any funds except bond and MM to achieve ur targets.

1.u want to cancel all ur PSF and buy PRSF?

2.or, switch all units frm PSF to PRSF?

which one? the better is 2 to avoid another SC.

why u want to do that?

the current DDI will cancell auto if switch all the units to another fund and apply new DDI for the new fund.