Best to see the KLCI movements until mid-day, then only decide and execute online before 4pm lor. Remember - mutual funds uses end-of-day to price their NAV (which we pay + service charges%).

I still remember 2008's KLCI 10% drop by afternoon, kicking up the auto-short-circuit to close KLSE - now THAT's the time to buy into PIX if one had the nuts, then sell off a few days later (assuming one's an agent lar, thus lower cost)

CUTE class will be enough. But you have to pay RM10 to attend that optional class. It will help you to prepare for the CUTE exam.

However, if you read the text book given to you and you are confident enough, you can save that RM10

Gambate! 

IMHO, the CAMS software isnt the kicker, it's the FPAdvisor Lots of stats and "queries" U can run to checkout each fund's performance in good, medium and bad years just by fiddling around with the "end date".

As for the classes - i consider it dirt cheap $10 if you've not learned yet through experience and books. Where to find classes for a whole day costing $10 WITH refreshments (water & food) these days? Even the knowledge itself is worth more than $10 if one's a newbie or semi-newbie in investing. Whatever U learn & experience, no one can take it away from U and U can build on top of each learning and experience.

I had invested into Public Mutual Fund since 2008 (an initial of ~2k and 200 more per mth, DCA). And friggiting frat - I only got 5% in total due date (notice it's not per year. counting by per year it should be like... 1% PA?)

I understand that this fund is pretty risky (80% equity), but still I think this fund is much under performed. Any input on my situation? Is it worthy for me to switch to something less risky like saving funds or something?

Be very careful when you want to do switching! This was the first time I did switching after the below *stupid* rules. I had fund-A with regular investment (DDI). I wanted to switch to another fund. After switched, those investment made past 90 days were being charged extra per the below rules due to the DDI.

So if you want to switch, probably you may want to reconsider switching, just sell the fund off.

•Switching of loaded units may incur switching fee (of up to 0.75%) which is deductible from the redemption proceeds. The net proceeds will be processed into the "switch to" accounts based on the NAV per unit at the close of the business day: For switching request made within 90 days of the date of purchase of units/switching into the fund, a switching fee of:
- 0.75% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from equity/balanced funds.
- 0.25% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from bond funds.
- RM50 per transaction will be deducted from the redemption proceeds for switching from money market funds.
For switching request made after 90 days of the date of purchase of units/switching into the fund, a switching fee of RM25 per transaction will be deducted from the redemption proceeds. 

•For Mutual Gold & Elite Members, the 18 and 30 switching entitlements valued at RM25.00 each can be used to offset switching fees incurred. For eg; if the switching fee incurred is RM75.00, a switching entitlement of RM25.00 can be used to offset the switching fee, thereby unitholder only incurs RM50.00 on this switching transaction.

Your equity fund does not have jointholder, but your bond fund has. Means that the equity fund is owned by you, but the bond fund is owned by two persons. Surely, the units cannot be switched into a fund which has different owner. Public Mutual treats these two funds having different owner.

You can repurchase and buy back if you want to make them into 1 account, but this is not so worthy, as you need to pay service charge again. (Unless your bond units are low-loaded units and you don't mind the 0.25% service charge)

Another way that you can explore is, transfer the unit, but I am not too sure if this is fine in your case. You can confirm with Public Mutual. Transfer fee will be RM25.

Anyway, just to share my thought. There is no must to put all your money into 1 bond fund. Most of the time, even we want to switch back from bond fund to equity fund, we may switch it separately, basically to average the price. So, unless both your account having small amount like 1-2k, else, you may remain the money in 2 different account.

Yes I understand you...
But if know the trend going downwards soon(imo), why don't we protect our investment $$?? And only buy back those funds cheaply(after going down)?