I plan to top up my equity fund.. (making loss)

Now, not the right time ?  Switch to bond ?

If I switch to bond .... then from bond switch to equity fund, will get SC 5.5% ?

eg.  equity fund ===> bond  (RM 25 )
      bond      =====> equity (RM 25 +  5.5 % or not ?? )

Then, I incurred 5.5% charge TWICE ??

Strongly recommended!

Looks like UT has become a LIFELONG investment which needs long horizon >10 years compared to as claimed by the agents/sales personnel (3-5 years). So investing with EPF is the way to go.

Guise, totally new to investment. Had the opportunity to invest in psmallcap when one of friend told me to, since it seemed to be long term, I threw in whatever extra cash I had and told myself to forget about it until it rolls some decent dough.

But... if anyone takes a look, things has taken a rather sharp turn eh? I have no intention of letting the fund go now, but does anyone has a clue when will it stop dipping? Also, would appreciate it if someone pointed me to a decent site to read more about how these fund actually work and/or how to look for other funds to invest in.

So the higher the benchmark the better the fund is performing? most of the funds i see have their total return higher than the benchmark total return, so do this indicate anything? and for NAV appreciation, it is just by looking at whether the NAV increases in every year?

totally earn nothing meh ?
not even 0.25%?

Aiya.. Didn't realize that switching in less than 90days for purchase also counted. I did invest RM100 every month. Rugi lah..  

Last 3 months I bought Public Mutual using EPF for below fund.

P.Ittikal
Public Saving Fund

Now, I can withdraw another 8k from EPF. I decided to invest 2 funds, but having hard time to choose between the below funds. Opinion..or any other fund worth to choose this time?

PUBLIC DIVIDEND SELECT FUND
PUBLIC ISLAMIC DIVIDEND FUND
PUBLIC REGULAR SAVINGS FUND
PUBLIC SMALLCAP FUND

Thanks David83 for the clarifications.

Since the bond fund distribute every financial year/period-ended, does it means... after EPF pay the yearly dividend (lets say 5%) on April 30, then we can use the eligible $ in EPF a/c1 to invest a bond fund and get another dividend from bond fund (lets say 6% on Dec 31) in the same year... then transfer all the $ back to EPF a/c1... repeat the same process all over again... eventually, we are getting 5% from EPF + 6% bond fund dividends every year... just pay 0.25% SC only, can this work?    sorry... just some thoughts only

    trying/thinking hard for our EPF $ to make a bit more $   

I don'[t understand from your own momey. If you say from your own money, wouldnt that mean you earn RM 0.00! Very misleading.

  How about... transfer as much $ from EPF to bonds fund after EPF paid its interest (every April?), left the $ in bonds fund for 6-8 months and hope the NAV value appreciate, then sell/transfer back all the $ into EPF (before Dec 31) and enjoy the next year interest ---> at least let the $ to have chance to grow more within the 6-8 months

Sorry for causing all the misunderstanding... blame it to my left/right/centre/up/down brain... keep thinking how $ can grow more... 

If u invest in the right bond fund of public mutual, the return will beat the epf return, they have 5-10 years record to prove it right.

Just curious, if the dividend declared is 5%, the latest nav value is RM1.00 and I have 1000 units...
5% of RM1.00 is RM0.05, after declared, am I getting:
a) (RM1.00 + RM0.05) x 1,000 = RM1,050
or
b) (RM0.95 + RM0.05) x 1,000 = RM1,000

Thanks in advance.

---

Added on September 8, 2011, 1:23 am

Sorry, forgot to ask... If the bond fund's initial nav is RM1.0000 and the average of 4-5% growth, after few years, the nav should be increased to RM1.2000 to 1.3000, but the current nav still around RM0.9999 - 1.009, does it means... after declared the dividend, the nav value dropped and investor either gets more units (reinvest) or gets $?

Thanks in advance.

I want to know from your experience. How many days did EPF take from the time of application submission to UT account created with the unit purchased?
I am exploring the EPF UT investment option.
Thanks.

as the current investor account ... does not include the profit of your investment ... it only state your current NAV ...

How to calculated your net profit ? ...
Any special software ...
Need to find out --- whether your investment making any profit or not  ?

any idea about a new equity fund launched by PB called PB ASIA EMERGING GROWTH FUND? is it wise to buy a mutual fund without past performance like IPO shares?

which equity fund would u recommend? i dont have interest on bond fund since i got ASB can generate 7-8% p.a.
i just want to set aside some of my fund to equity fund to achieve more than tht return..

when is the right time to buy equity fund?

but, smallcap fund drop a lot these few days....

Hi All
I have a Public Equity Fund which I have been holding since a while ago. My agent ran away (no longer reachable), can I know if I can terminate my fund account by myself and take my money back?
What is the procedures like and what charges do I need to pay for it?
Thanks!