may i ask china and hong kong will up too? and izzit europe debt solved?

SO IZZIT TIME TO FISHING? - -

good one, put in DCA and forget about it.  cash out next year before election

I noticed if I invest directly from PBEBANK or DDI, I am being charged 5.5% service charge. If I invest through PMO (AI transaction), I am being charged 5.25%. I am aware that there is a RCA campaign till somewhere in March 2012 for those who uses PMO to invest, but why DDI still being charged 5.5%?

Anyone noticed and found an answer for that?

DDI = 5.5%
PMO = 5.25%
PBEBANK = 5.5%

DDI is supposed to be charged 5.25% instead, right?

thanks, I will try find it

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Added on December 16, 2011, 10:15 amfrankly, I can't find detailed report from Public mutual...

Only got the quaterly review

anyone had any idea how long it took them to update the data in UTConnect? I'm really new here. I sell a fund to a customer on 15dec2011.

can you share with us why overseas funds has not recovered while local funds has recovered? why has this happened? and keeping this in mind, is DDI a wise choice or are there better alternatives? let's not beat around the bush. treat this as me sitting in front of you asking you for an answer. 

Well said, Mr. Lee. Not many people realise that the FBM KLCI can be speculated, especially when 30% of all local counters share are owned by PNB by default.

At the same time, most investors assumed all of Public Mutual funds which involved China, are basically investing in either Shanghai or Shenzen SE, but in actual fact, the investment is neither in A, B or G shares but H. Excellent quote on HSCEI. I assumed you do read Public Mutual's QFR if you are not an agent.

As for DDI, the general idea is to ensure client average out their units purchasing price, "optimising" clients ROI instead of "maximizing" it, which would expose client investment to greater risks.

No rubbish . Correct me if I am wrong but I assumed you would have been a least, an Agency Manager by now.

Yes, but if and only if you believe the fund (ie. it's investment objectives) has a future.

If you don't know or have no idea or is not sure or have never thought about it or anything else apart from believing the fund has a future, DDI is a lousy idea.

It is even worse if you did it because your agent convinced you to do it.

Need some advice. It's time for me to withdraw another round of EPF for PM. I wonder which fund is OK to go for it. I'm currently holding:

PIX
PIF
PSF
PIttikal

Should I reinvest back to the same fund or invest into new fund? If invest into new fund, what fund is good? I got in mind but donno how feasible it is.

PBF
PGF
PAGF
PDSF
PSSF

Btw, I got PIttikal holding, can I re-invest it since it's not open for investment but it's under EPF scheme. And also if I did not perform DDI last time, can I start DDI for those is not open anymore?

Just do some switching today from equity to bond fund through PMO.
Although we can choose which fund to transfer to, but we can't key in our current fund account no. there, and end up, now got 2 same fund but different account.

Like this lagi pening kepala???

Anyone had same situation as mine?

aaahh....

my equity don't have any joint holder, but my bond is...

Is that the reason? . Like this how to accumulate all my money into 1 bond fund only, except repurchase and buy back?

Agent and scheme is similar.

Be very careful when you want to do switching! This was the first time I did switching after the below *stupid* rules. I had fund-A with regular investment (DDI). I wanted to switch to another fund. After switched, those investment made past 90 days were being charged extra per the below rules due to the DDI.

So if you want to switch, probably you may want to reconsider switching, just sell the fund off.

•Switching of loaded units may incur switching fee (of up to 0.75%) which is deductible from the redemption proceeds. The net proceeds will be processed into the "switch to" accounts based on the NAV per unit at the close of the business day: For switching request made within 90 days of the date of purchase of units/switching into the fund, a switching fee of:
- 0.75% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from equity/balanced funds.
- 0.25% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from bond funds.
- RM50 per transaction will be deducted from the redemption proceeds for switching from money market funds.
For switching request made after 90 days of the date of purchase of units/switching into the fund, a switching fee of RM25 per transaction will be deducted from the redemption proceeds. 

•For Mutual Gold & Elite Members, the 18 and 30 switching entitlements valued at RM25.00 each can be used to offset switching fees incurred. For eg; if the switching fee incurred is RM75.00, a switching entitlement of RM25.00 can be used to offset the switching fee, thereby unitholder only incurs RM50.00 on this switching transaction.

(1) possible happened. thx for ur info.

PM can do online like internet banking?.
When I ask consultant, he said cannot.
It's true?

hi all investors,

this is my current investment profile. i started public mutual investment since late 90's. most of my investment is done through EPF withdrawal scheme.
my biggest dilemma now:

1) sell all and buy into bonds or just leave it as it is?
2) sell all and return $$$ into epf and get 5% (estimated) interest rate (compounded interest)
3) not very well versed with bonds, i have selected a few bond fund in mind, but after reading the prospectus... 
PIEF   PUBLIC ISLAMIC EQUITY FUND
PAIF   PUBLIC ASIA ITTIKAL FUND
PFES   PUBLIC FAR-EAST SELECT FUND
PDSF   PUBLIC DIVIDEND SELECT FUND
PIMXAF PUBLIC ISLAMIC MIXED ASSET FUND
PIDF   PUBLIC ISLAMIC DIVIDEND FUND

you know, mid life crisis do exist in guys... 

i still have about 15 years of working life, before i make my first EPF withdrawal for age 55.

i will consider switching, instead of selling all of it and park to EPF.

some of the funds i listed in my post, has doubled in $$$, some has 50%-60% profit ratio. i started very early, hence i can see the growth... but not at the pace that i want.

all my gains are in paper, i need to sell/switch to realise the gains.

KLCI is in unchartered territories, we have NEVER reached this high. what happens after GE13 is anyone's guess... since my funds are equity based, i can be exposed to unnecessary risks, therefore i am planning my exit now...

i re-read some of the bonds prospectus, again, some of the returns are almost on par with EPF, some are slightly better.

i did a calculation using 5% as an estimated EPF annual return rate, the compounded effect is tremendous... especially, if your current EPF saving is huge. this got me thinking, bonds or EPF... 

for agents advising, promoting or recruiting online via blog or forum, betcha your last pennies that the unit trust companies mentioned here will take disciplinary action and so will FIMM, all it takes is an complaint letter.

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Added on April 10, 2012, 12:41 am
what FIMM or the UT companies want is for investors and UTCs to go via the right channels rather than some informal online forum discussions.

damansara perdana public mutual got open tomorrow?

amazing! but two of these funds were not performing so well though...