there are some determining/guiding factors: sharpe ratio, alpha ratio, risk adjusted return etc. a fellow forumer, 'xuzen' is very well versed in these, i'm just researching/reading up with all these 

everybody oso cn buy islamic fund..unit trust is for long tern, mean min 3 years..i tink u shud jz buy it less than 1 year so u onli c it mk loss..be patient n doing DDI monthly..u wil c ur return slowly in coming years.

btw got public mutual select fund?are u sure?

Seriously speaking, you can forget about this fund. It's dissapointed.

I was one of those who bought at high. Luckily I have switched to PSMALLCAP to cut loss. Net loss still high even though PSMALLCAP did provide positive return since I switched out from PCSF.

few years back i bought 2 types of public mutual funds too
as of now ... it's still losing money .... superb disappointing.

wanted to withdraw the money and start invest in other investment.

1. china
2. islamic

i also have friends burned everything in 1 single local share. i didnt say he is wrong, i just dont like his attitude. is my mistake, without study invest money in UT by just listening to the agent when i walk in the branch to deposit money. bad agent are just spoiling good agent's rice bowl. i agree plain greed+hope working=gambling. thats y thinking should hold or sell now rather than -80% from UT. non here share same situation with me?
do majority here making money from PM UT?

Ah so, auto re-invest only, no option for payout.
Of course lar bro, cannot get PHYSICAL $ out via dividends. How we wish - loophole
Thought those that opted for dividends payout would be paid back into EPF.
Gracias