hi all, currently im interested to invest in public mutual by using my epf, but still blurr the process and which fund should i invest ?
From epf I-akaun online…
BAKI SETAKAT 22/07/2013 Akaun 1 = 29,226.84 Akaun 2 = 12,525.80 Total =41,752.64
and i just 26 y.o...
appreciate any comment and advise

check this blog
http://invest-made-easy.blogspot.com/2013/...-trust-via.html

btw, this may be of interest too.
http://invest-made-easy.blogspot.com/2013/...you-do-not.html

Money allow withdraw to invest UT from Account 1

 EPF_Members_Investment.pdf ( 51.66k ) Number of downloads: 17


You can use below link to calculate yourself time to time
http://www.publicmutual.com.my/InvestmentP...Calculator.aspx

Summary you need to know when Invest EPF in PM UT
http://www.publicmutual.com.my/InvestmentP...mentScheme.aspx

Fund open for EPF withdraw(Select Fund Group : LOCAL EPF)
http://www.publicmutual.com.my/application.../fundprice.aspx


What to choose is asks yourself what type of risk appetite taking....juz note UT investment is long term.

Wowpublic bond fund so high. Gonna jump into that

thanks very useful

which Bond Fund are high you want to jump???

It declare Public Bond Fund (5.25 sen). Other only 1 or 2 sen

seems like CLOSED...cannot buy already,...you cannot jump in liao
http://www.publicmutual.com.my/OurProducts...Investment.aspx

Seemed like you're asking the wrong questions.

First of all, there is no 'master' account when you signed up as an 'investor'.

When you buy a fund for the very first time, you need to fill in forms to show that you truly understand what you are getting into. The agent have to explain to you what is unit trust; and there is a cooling off period.

After this initial purchase, you should apply for the online facility. The online facility will allow you to make purchases (and also other transactions like switching to another fund, etc), however you like.

As for 'accounts', each fund will be given a separate account number. A separate account number will also be given if the fund is purchase differently, ie. via cash, or EPF and also if through different agent. Say if you make another purchase of the same fund with another agent, this 2nd purchase will be given another account number.

Please get this clear on the account numbers, and not have too many different agents. Anything more than 2 agents is too many. The same fund with different account numbers is a hassle to maintain, and it will also eat into switching costs if the amount switched is not cost effective in relation to its switching fee.

Cheers. Always buy low, sell high. Better still, buy low, don't sell but switch. Aimed for the 'ultimate' buy-and-hold portfolio and rebalance annually.

The higher distribution means nothing. It is silly to think that it is giving better returns than the other funds. It do not.

Distributions can be converted into more units, and can also be cashed out. The older bond funds (which are closed) act as 'income' for some long-time investors. The declared distribution can even eat into the principal amount in bad years to provide a steady stream of income.

Check the NAV price tomorrow... it will be below par RM1.00.

I've a question for the agents. If a customer would like to purchase/invest in PB series of funds, can he/she walks in to Public Mutual branches to do it?

Can he/she also do it in the Public Bank branches?

Thank.

i was once (last year) told by my PM agent that i can only buy PB fund from P bank.
i did not confirm this...may be he does not want me to buy PB fund

Yes, because virtually they earn 0 commission for helping you .

I can confirm it... PB series can only be bought via Public Bank. (For the Public series, it's done via Public Mutual branches, or their agents. But both can be bought online... except for EPF, as you need to submit a form with your thumb-prints through the agent.)

It should also be noted that you can only switch funds within its series, ie. you cannot switch from a PB fund to a Public fund. A bit of forethought is needed in planning how to split your monies if you intend to have a portfolio consisting of both PB and Public funds.

BTW, PB funds are slightly more conservative, while Public funds tend to be more aggressive when comparing similar funds.

Beside the commission matter, PM Series has more choices of fund for investors to select and invest according to their risk appetite. Just EPF fund alone, PM Series already have significant funds for you to choose.

(PB Series is 4 approved while PM Series is 21 approved funds)

http://www.kwsp.gov.my/portal/en/web/kwsp/...vestment-scheme

thank for info.

Just curios , why public bond not in the kwsp list

Bro: Closed For Sales since many months ago.....

Hi All Sifus in the forum, can anyone explain different between government bond and PM/PB Bond? TQ!

https://www.fidelity.com/learning-center/mu...d-vs-bond-funds
Map the info to:
Government Sukuk bond = bond
PM / PB Bond = bond funds

Thank you for the reply.