Wong

i have improved the Edu/Retirement spreadsheet with

a) 2nd child education
b) yearly savings

Gold sifu Phophetjul, share share lar yr modded worksheet

How you attach ar? 

how much money shud put in when do DDI? someone told me tat DDI rm100 hardly see the result but at least RM300.

BlueSilver - i'm sorry i dont have a black/white solution for U. I'm not U and in your specific situation.

However, having said that, U may want to switch your equity funds (or at least 50%) back to bond funds WHILE U learn/plan ahead.
IMHO being in equities when one doesnt really know what's happening is akin to driving a car (people usually take classes to handle the power)
VS being in bonds is like running (more dangerous than walking as U are going faster and need to be more alert)
VS being in FD is like walking (er... really basic basics)

Just to share what i did when i found myself "lost" donkey years ago (things relating to mutual funds only, stocks/REITs are another story heheh):
a. I SWITCHED ALL my funds back to Bond Funds
b. While i went back back to basics to learning, testing, tracking
+ $ mgt & risk mgt: these 2 are the biggest impact that shaped my approach now). BTW, U cant manage what U dont track & dont have plans/goals for

+ Asset Allocation: some major stats/research points to Asset Allocation being the biggest impact to a total portfolio, not stock picking or funds picking. Looks to me holistic planning, tracking & managing is the way to go. 2nd biggest impact to my approach now.

+Methodologies / Entry & Exit rules

c. Built my goals/plans
+knowing how much i want/need for my goals
+Asset Allocation + selection of vehicles based on average expected returns pa to reach my goals
+Methodologies / Entry & Exit plans to execute the above
Value investing & programmatic investing
Based on the methodologies i've put $ in to test (only about 2 to 3 years, not 10 yar ) + simulated via Excel's random numbers for pricing, these 2 fits my personality (chicken + simpleton).
Value - coz i love bargains and there's less probability for much % drop
Programmatic - coz i needed something else than Value, which has a human-trigger, thus emotions like fear & greed can cloud judgement

Your mileage may vary 

BTW, dont worry about "missing the boat"
Prices/NAV go up slow but falls fast (think gravity)
Think 1998 sloooooow climb up after ASIAN Currency Crisis
then buta kena whacked by US DOT COM bust sharp down 2001
then slow climb up to 2006/2007
then sharp whack down by Credit Crunch Crisis & US Property Bubble 2008
then slow climb back to end 2010
then sharp whack down mid 2011
phew.. just trying to make a point going down = fast, going up = slow

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Added on September 22, 2011, 8:05 am
Jutamind, looks good - holistic enough as long as U couple that approach to a fund house that has "good enough" equity and bond funds  

Just a thought:
IF the market trends up for 8 years SLOWLY after a crash (eg. end 1998 to 2006) ,
the NAV will not go down,
thus U dont participate/buy in (yr current methodology averages down only when 8%-10% down from your TOTAL AVERAGE PURCHASED PRICE)
U may miss a MAJOR part of gains and time lost.

No righter-right or wronger wrong ar. Best methodologies are those that fits one's personality, attitude and time/effort to be spent on donkey things like investing 

Hi Mr. Wong, thanks for the long explanation. I will definitely sit down and study all this before proceeding any further. 

DDI frm PB bank it self need pay monthly fee?

Just a thought:
IF the market trends up for 8 years SLOWLY after a crash (eg. end 1998 to 2006) ,
the NAV will not go down,
thus U dont participate/buy in (yr current methodology averages down only when 8%-10% down from your TOTAL AVERAGE PURCHASED PRICE)
U may miss a MAJOR part of gains and time lost.

No righter-right or wronger wrong ar. Best methodologies are those that fits one's personality, attitude and time/effort to be spent on donkey things like investing 

If use other bank to REINVESTMENT for Public Mutual, (eg. CIMB), how much is the charges ?

hi sifus,

i invested in PAUEF 2 years ago and i recently received a "Summary of Final Distribution for Finanial Year Ended 2011"
Attached with it is a voucher and it says...
The Malaysian Income Tax deducted as above has been or will be accounted for by us to the Director-General of Inland Revenue Malaysia. Please retain this voucher for submission to the tax authorities.

Can anyone explain to me more about this voucher?

Thank you all in advance.

I've a question here, hope sifu and sijie can assist...

let's say there's one retiree who wants to invest using EPF. Can he withdraw any amount of $ and only being charge for the 3% service charge to invest in Mutual Fund?

If use other bank to REINVESTMENT for Public Mutual, (eg. CIMB), how much is the charges ?