Actually don't know whether it's a good idea to sell now. It's just a small amount of money. Yea, now red sea in stock market but I see it as an opportunity to invest for long term. I do have some stocks that I want to pick up.

This post has been edited by A2Z2U: Sep 12 2011, 07:38 PM

wat else can advice?, our fren dont want his agent C his stament n enjoy the commision

u shuld sell it 2-3 months ago. but its not too late.

mind to share which stocks in ur pickup list?

methinks best revenge is to SHOW the current idiot agent how much he/she is losing out by investing properly with another agent (or self as agent)

"Vengeance is best served cold" - hehe, i interpret "cold" to be "cold hard logic"

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Added on September 12, 2011, 8:18 pmIMHO the local market's a sea of red with tidal waves now (bearish trend).
U may want to wait for the tide to fall first or risk "being pulled into the deep red sea and drown"

On a flip-side, if U are targeting staples like NESTLE, DLADY or plantation sector - these looks "more" steady than the rest. Of course the "tide" (trend) usually pulls down or raises all "boats" (stocks) though

This post has been edited by wongmunkeong: Sep 12 2011, 08:18 PM

CIMB and Petronas Chemical

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Added on September 12, 2011, 9:30 pmI'm not good at timing the market.
I use average down strategy.

This post has been edited by A2Z2U: Sep 12 2011, 09:30 PM

dummy question here... may i know what is VCA ?

Value Cost Averaging.
Some more details/books links
http://forum.lowyat.net/topic/690951/+1162

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Hi all,

Just would like to share this info... KWSP earns 0.25% a year on EPF funds that have been withdrawn by contributors and invested 'approved' unit trust funds --- source from The Edge Personal Money September 2011 issue.

Btw, does the charges stated in the statement? Or KWSP bill the unit trust company for the charges... unit trust company charge the investor accordingly... it is part of the service charge?

Thanks.


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great info there lowyatt2011,
never know that EPF charge 0.25% before.

Hi all,

Just would like to understand how to read the 'chart' of PGF (Public Growth Fund):
http://www.publicmutual.com.my/application...formancenw.aspx

For last 3 years performance: Total Returns from 13-Sep-08 To 12-Sep-11=45.32% or 15.11% per year.

For last 5 years performance: Total Returns from 13-Sep-06 To 12-Sep-11=80.01% or 16% per year

For last 10 years performance: Total Returns from 13-Sep-01 To 12-Sep-11=181.73% pr 18.17% per year

For last 26 years performance: Total Returns from 09-Jan-85 To 12-Sep-11=854.37% or 32.86% per year

Am I reading the charts correctly?

Thanks.

This post has been edited by lowyat2011: Sep 13 2011, 10:04 PM

yea, i'd like to know as well, where is the 0.125% gone ???

Dunno about other fund houses but for PM, methinks it's incorporated into the yearly mgt fees, which are calculated and deducted pro-rata daily from the NAV, not the service charges since it's a yearly continuous charge.

Personally, i think EPF is just being a pr*ck UNLESS the 0.25% or the post 2008 0.125% goes back into our EPF a/c1 EXCLUDING EPF's handling costs.

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Added on September 14, 2011, 8:01 amPersonally the 0.25% is no issue BUT the "yearly" is the issue
Er.. note that it's 0.125% since 2008, not 0.25%

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Added on September 14, 2011, 8:04 am"Admin" fees OR the infamous person who said "U scratch my back, I scratch your back"
thinking of that.. i feel so.. ew... to be a Malaysian. (oops off topic - sorry mod)

This post has been edited by wongmunkeong: Sep 14 2011, 08:06 AM

What do u guys do with ur EQUITY FUND ?

SWITCH IT to BOND since its dropping like hell....

Personally:
Keep on executing and tracking as per planned
1. 50% of $ for equity funds on DCA + VCA no fear / no greed programmatic investments
2. 50% of $ for equity funds awaiting current bearish Trend to get into accumulation trend

What about U? Share share lar - dont just be angry

u can ge tthe answer from EPF in this month theedge personal money. EPF hv some expenses on EPF scheme such as implement biometric system in UTMC and other expenses related to epf scheme. . so the expenses is from the 0.25%.

if hv more, will payout as dividends to the contributors.

I have an administrative question for PM-UTC/AM/GAM here:

My DDI is linked to a PB Current a/c and if I do not put enough fund in it, what will happen?

My Upline said nothing will happen and the DDI will continue as normal next month when there is sufficient fund.

The PM branch customer service receptionist told me DDI acts like a cheque and if there is insufficient fund, it is considered as dishonoured cheque and will be penalized.

Same question, two different answers. Can I get a third or fourth opinion?

Xuzen

Nothing will happen. No penalty is charged as per my memory.

I have client(s) who have insufficient funds for their DDI for a few months already. So far no penalty. If there is any penalty for such cases, I'm sure must state clearly before signing people up for DDI. If not PM sure receive lots of complains.

any idea why the funds price update so slow ya?