Hi people.. I need some help..I bought a fund from an agent..But her service is terribly bad..How to sell the fund I bought without her knowing it? Thanks a lot!

From PUb-Mut QTR1-2013 quarterly report:

KLCI is now trading at forward PER of 16.1% and 3.4% div yield. The 10 year average historical PER is 16.5% and12 mth Retail FD is at 3.15%. We are trading at very close to the 10 year historical average and the div yield is very close to the risk free rate.

My opinion is that unless your asset allocation is underweight on equities, hold first and wait for fresh lead.

For those kiasu type who is too overweight on fixed income, come out come out and play - play. Yes, you... You know who you are.

Xuzen

guys i delved into PM earlier, bought into PIOF around sept last year. after PRU13, PIOF really shooting one. if i lock my profit and sell, got around rm18k profit.

so what are the advise from sifus here? hold till PIOF declare dividend in june? or really realise my gain now? tqvm senseis

p/s: is there cons in waiting for dividends?

hi  shadow_walker,
I share my mistake , when i move my UT equity fund to BOND fund in 2011.
Becoz kiasu with Euro crisis and bought a condo require emergency reserve for my condo installment.

I may like you enjoying the bull ride with equity fund. Why not wait until world show flu sign then you lock profit at bond fund.

Market crash dont take 1 day to drop till bottom. you still hv 3 month to decide.

Juz my opinion becoz im a greedy  investor, you may not follow way.

Im also not any SeeFood but    water of the day.

ic, so ur saying i should hold and ride the bull is it?

as i have time to react if the market goes south again. correct?

yes, you not follow my way.

Juz need to monitor the market untill show flu sign in region you invest.

If you invest in euro fund, then definetly i will suggest to switch now.

Cool!! thanks bro. makes sense. 

Yes, as long as your EPF Account 1 is fulfilled the basic criteria set up by KWSP.

However without employment, your regular EPF withdrawal in Account 1 to invest in PM fund may not sustainable for long run due to no new savings is coming in during non employment period. :-)

Hi guys,
I have some extra cash which i dump into my flexy loan to save on 4.25% of interest. I was wondering is it better to dump into PM as I intent to take it out in 3 years time.

I guess 3 years will be too short term for UT investment. Possible to gain more than 4.25%pa for UT in 3 years but risky.

yes, dun forget to include the sales charges of 5%, so assuming 4.25pa X 3 + 5% SC = 17.5% ROI in 3 yrs...about 5.8%pa only IF there is no downside...
look for other fund that has cheaper SC...maybe can consider,....by like Kaka23 said..."RISKY"

how long is duration for PB to process the application for PB mutual account?

I want to ask is it if using epf the service charge only 3% only (whether buy from public mutual or public bank agent). Thank you.