maybe yes or maybe no,

but better defensive.

KLCI is over 1500++, and it could be dowm after coming GE. so, better wait for cheaper price for local funds. or buy bond, and switch to equity later after the GE.

my 2 cents.

RM1.00 = 1 MGQP

if ur total investment is rm10k, ur points is 10k.

so u need another 90k points (or RM90K) to become mutual Gold Member.

not sure abt low-loaded units. anyone can confirm?

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Added on February 23, 2012, 12:01 am

at the moment as i advice to my clients, hold the money first. or park the money in any bonds/MM funds.

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Added on February 23, 2012, 12:01 am

at the moment as i advice to my clients, hold the money first. or park the money in any bonds/MM funds.

i believe, all local equity funds will affected( if any). its better to pump the money sikit sikt after the GE. no best/worst time bro.

today NST publiched, the highest FDI for the year 2011. abt RM32.9bil. do u think FDI will remain during GE?

http://www.nst.com.my/top-news/malaysia-s-...in-2011-1.49988

anyone can share this abt FDI?

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Added on February 23, 2012, 12:15 am

u cannot open acc with PM without agent. PMO, u only can do the transaction (top up/switch/repurchese) without ur tied agent consern/service.

u still need put to ur agent in PMO for any new purchase.

if u dont want any agency, sit for exam, get the lisence, u become ur own agency.

its good to make use tis epf invstment scheme. but its not a good time to enter equity funds now. waht u can do is open an acc in Public select bond fund. for temp parking. later u can switch to equity funds when the unit price are cheap.

my thoughts only.

Hi Felix.

Just as U know that none of us have crystal balls (some think they do but in reality..), maybe KParam may not want to get into details of his views/opinions (not seeing the future with crystal balls), since there seem to be some forumers that hurl accusations or use "PM rules said this/that" when people share views and opinions purely without any hidden agenda.

Entah entah, suddenly a fellow forumer with your similar name and some others pop up and take pot shots just because people shared their personal views/opinions/what works for them. Very sian lor with baiters and slingers that doesn't take the time to know who's here for sharing and who's here for mostly business.

If you're new, check out KParam's ding-dong with Felix (recently) & LunchTime (a couple of months back) + mine with the recent discussion which basis was on lousy comprehension of the written word.
Just a thought 

- Invest MORE when the stock market is low.
- This means never invest all at once, so you don't have to care how low or high the market will go.
- A true investment is like saving bit by bit. Putting all your money on the table and wishing for good returns is more like betting and gambling.
- Set aside extra money to "bet" when market is down.

I did NOT follow above and now lost 20%. Was 40% lost 2 years ago. Is that good or bad as I gain 20% in 2 years? 
Only benefit now is the free monthly magazine. 

more tips...
- you can buy into PB funds by going to a Public Bank and just ask for a form. No "advisor" involved. Fill in form and pay at the cashier counter. (Both PB and Public funds same commision... but PB no need "advisor". So you only blame yourself if your investment turns sour.  )

- my favourite fund is PB Asean fund... I got returns from it while lose money from other funds - especially those that have stocks in China region - ie. China Pacific Equity. Bought them at the wrong time and they cannot bounce back. 

- switch and park your equity funds to bond funds when market is going downhill. Don't cash them out unless you want to exit from PM forever. This way you can switch back to equity fund when the market is already down. If you cash out and buy back, you will incur another 5%+ service charge/commision. This service charge is comparatively high and not easy for any fund to gain more than 5% in any one year. You only make real money ACCUMULATIVELY over several years; which also indirectly lower the commision over the years. Example, 5 years will reduce commission to about 1% while accumulative gains of about 6% over 5 years is about 30%.

- be very careful in taking money out of EPF. EPF returns is already quite good. If the fund is good, it only give you extra 1-4%; but if is bad, you can lose more. If the fund lose 1-2%, you already lose 6-7% when EPF interest is added. On top of that you already pay the commision, and so not tend to pull out within 1-2 years, so more accumulate losts!