I'll stick to Dollar Cost Averaging and put in additional on top of that if I have additional cash. The additional cash would go to those funds which NAVs are below my average purchase price.

Lunchtime, while i'm in agreement with U that not all funds are ichiban / best thing since sliced bread, as an investor, i'd also look at different time lines, not just current to have better comparisons.
Example:
If i chose to check on PCIF:
1. From inception till now or end 2008 - performance sucks
2. from 23/01/2009 till now - low returns but not negative.

Thus, for an example depending on the entry/exit approach of an investor, if value averaging was done, although kinda miserable (PCIF), one may eek out some returns. Heheh - unsure ar, as i've no data on PCIF's divends and stuff. The only data i have are the NAVs attached.

Mind U, even the supposedly super duper PSmallCap, when viewed in end period of end 2008/early 2009 sucks to high heaven too and personally, my other Pru SmallCap fund sucked too during those end periods.

Just sharing a thought on different "end period" time lines effects on a fund or any funds, not the only truth yar 

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Added on January 6, 2012, 4:03 pm
Well, IMHO, if 3 years+ tak jadi AND the current period is not a down-er (eg. end 2008/early 2009 kinda thing), i'd give it up and look to move into another equity fund. Hehhe - i'd just fix the mistake and admit my stupidity in picking that dang thing.
Pls note yar, this is just my own methods - may be illogical to others.

Number crunching time:

PCIF's 3 years Jessen-Alpha ratio is negative.

PCIF's 3 years Modigliani^2 ratio is also negative.

Don't DDI, you should punish the fund manager by stopping your DDI (meaning they can't get their 1.5% annual MER from you if you do not buy into their funds) while putting it into funds that perform. If the funds do not perform above the benchmark, they will not get my 1.5% MER. If they perform exceeding benchmark, then I will gladly pay them the 1.5% MER.

Financial ratio such as those I mentioned above help me to make informed decisions.

Fund managers need to be punished if they do not perform. Remember folks, we are the boss, not the fund manager. Get educated on these ratios. Get the EMO out of your decision making processes.

Xuzen

I agree with u......... but dont compare local stock/fudns with PCIF.

local funds recovered follow with local stocks.

for PCIF, only more or less  10% allocated in local market, the rest invest in China, hong kong, taiwan etc.

pls read the financial report on PCIF.... http://www.publicmutual.com.my/LinkClick.a..._o%3d&tabid=260

pls read the financial statment,  n take some time to google abt the those countries economy /market outlook too.

u said before like this...

b) by comparison, Maybank, CIMB, PBB shares which followed the dip and rebound has recovered its losses incurred during post 2008? why haven't the funds recovered as well? How can the stock market which is preceived to be riskier recovered while so called safer instruments failed?

so, u agreed that malaysia stocks (not all-lah kawan) recovered.

I personaly think the KLCI from 800 points and now abt 1500+- , Malaysia market is recoverd or almost recoverd. (share market only-leh).

Normaly i dont follow other countries market, because I personaly invest  purely in local funds or with 30% exporsure to foreign market.

normaly,  i dont recommend foreign funds for my clients, unless they go for it by themself.

if u conservative , go for bond funds.

if u high risk taker, go for equity funds , but not now for local market. wait for GE.

my 2 cents.

enter the equity funds for higher price is risky-lah.

my 2 cetns.

my 10ringgit = tak untung tak pe,tapi  jangan rugi sudah-lah.

I second this.

a)beli murah, jual mahal = untung lebih.
b)beli mahal, jual lagi mahal = untung kurang
c)beli mahal, jual murah = rugi

saya suka a)

u go back to investment basics 101.    

PRSF 100% local market.

better dont in after this FYE. better wait for GE because 100% invest in local market.

for local funds, let the market drop deep first.

PSF,
PRSF,
PAGF,
PIX,
PDSF,
ALL LOCAL ISLAMIC EQUITY FUNDS.

read the prospectus first before enter.

In my practice, passive investment with unit trust is a NO-NO. The markets are fluctuates all the time.

But it depends in few actors lah. Unless you invested in fixed income funds.

Good luck.

Pocket calculator? that 1 sheet thinggy ar? aiya..

Excel calculations attached - see the formula at the top.
$3,438.65 only wor, couldn't get $3,771. Can't be rounding errors so high?
[attachmentid=2749367]

Optimised vs Maximised
Long term vs Medium Term vs Short Term vs Switching-in-n-out
Passive vs Active vs Super Active vs Paranoid
I'm feeling dizzy already 

If PM's rules restrict UTCs from giving GENERAL advise/explanation, I'm losing all respect to them, bcos they starting to behave like MLMs - "Wanna know more? Join us baru talk!"

Agents cannot promote or recruit online, but we can always discuss about unit trust investment online...I don't think they can stop people from discussing this topic online...Nevertheless, internet is a source of information nowadays, but investors are advised to consult the UTC before you place their investment.

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Added on April 10, 2012, 4:12 pm

Tomorrow is public holiday...none of the branches will open...