maybe ittkial UIC not very much affected. so, kena tunggu-lah kawan.

or go for other fund.

cannot.

get the FIMM license, sell back all the funds. buy it back with ur own agent code.

sure...already made one. call ur agent or customer service for the status.

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?

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.

for saving account - no issue.
for current acc - maybe the policy is diff as informed.

not need to switch just top up to get average price PSDF.

my suggestion only.

ya,its was proven by some funds. the returns wil higher then EPF over the time.

PM me if u need any guides. go to EPF scheme in my signature.

go to switching.

buy sikit sikit, dont finished ur money 1 time.

KLCI up 9 points at the moment.

which fund and how many yrs u invest this way, DDI?

ur distribution after the tax deduction. u not need to pay any tax for capital gain/dividedns from UT. but u still need to declare the dividedns.

i think, if retiree after 55 yrs old. EPF cannot hold their money, retiree can withdraw how much they want and the sservice charge shouldn't be 3%. it should be 5.5%. concider cash investment. EPF scheme only up to 55 yrs old.

what u expect from FM for panic selling by investors. if UT investors panic sell the units. FM no choice to sell the holding shares with lost too. even god also cannot help during market down trend.

when FM make money during matket uptrend, u happy, not worries abt the charges/fee. its not fair u kutuk FM during market down trend.

its better to lock ur money, rather than kutuk the FM.

DO prospectors says, FM will sell all the holding in one time or earlier? every investor MUST UNDERSTAND ABT THE RISK before enter the market. not enter blindly and kutuk FM.

DO prospectors says, FM never loss money??

agreed, invtors has rights to Q, but they still need to pay them to Q.

u may lose ur money without paying FM, how much ur holding? RM100mil, RM500mil , RM1bil. do u think its easy to manage the millions/billions?

FM responbility is to max the FUND value, the fund value may up or down follow the market trend. u cannot axpect FM can do miracle during market down trend.

if u can manage ur self, dont come to UT. if u come to UT, better underatnd abt the UT concept/risk/charges.

dont buy the product which u dont understand.

i invest for 3 yrs, my porfolio grow..... now portfolio drop. do u want me to blame FM for the drop? or, blame myself for not lock the profits?

that ur job to lock ur profits. FM do their part, as a investor u shud know waht u supposed to do.

dont tell u invest for 1 yr and lost money. its clearly stated in prospectus tht UT for medium to long term, not for 1 yr.

how u know every 3 yrs u can lost money? ur holding value may drop, but ur units still ramin same. educte ur self abt UT concept/risk managment.

do u think its easy to become FM? if u dont want to pay FM, so, DONT ASK FM TO MANAGE UR MONEY TOO. manage urslef-lah kawan.

ok, i understnd now. u can track all the funds/companies..... if u can find any FM never lost money... u can pay them to manage ur money.

if u cannot find......so, this is the answer for ur Q, why I should pay the FM when he is losing money. because u cannot find any FM who never lost money.

im still holding my clients EPF application forms. waiting for better time to top up for cheaper price.