other bank, you need to used Public Mutual online -> Make An Investment -> Additional Investment -> "You Fund"

You still hv UT service charge, i cant remember the got any charges for MEPS. (I believe dont hv, forgive im wrong)

what kind of bonuses? You meanz today Public Mutual declare gross distributions for two funds today ?

RM1.00 worth of investment into equity and balanced funds is allotted 1 MGQP.
Minimum will ask you invest rm5k.
MGQP not bonuses but Juz Reward point onli.
http://www.publicmutual.com.my/MutualGold/...mulateMGQP.aspx


Public Regular Savings Fund
5.00 sen per unit

Public Aggressive Growth Fund
2.50 sen per unit

http://www.publicmutual.com.my/Resources/A...cementNews.aspx

http://www.kwsp.gov.my/pv_obj_cache/pv_obj..._Berhad_Eng.pdf

or

 Public_Mutual_Berhad_Eng.pdf ( 131.85k ) Number of downloads: 16


This post has been edited by felixmask: Mar 31 2013, 01:16 PM

im kiasu 70% move to bond market early last year january. Now waiting how Bond fund to react.

Ikan bilis.....

Indeed. Especially PSEAF.

Is not dividend but distribution.
How you invest EPF or CASH ?
Do you opt to reinvest from distribution ?

Morning MakNok,

I see your details, you keen switching everything to fund that going to declare Distribution.
I believe you started doing such switching started 2012 MAY.
Not sure you consider the NAV before Distribution, NAV after Distribution and switching fee.
You are Mutual Gold Member, enjoying switching entitlment.
Can you specific your question, i still blur blur what you want to ask.

This post has been edited by felixmask: Apr 6 2013, 10:50 AM

HI MakNok,


I dunno how to calculate for you - maybe you can refer j.passing.by feedback.

It hard to choose the best but choose yourself.

Be yourself agent and do own study which fund to buy and taking commission ownself.

Self displine and understand own financial able to decide what best fund suit and act fast acordingly to the market.

DIY yourself better depend on agent. Agent cant guanrante fund return for customer but provide service buying/selling/fund information unit trust to the customer only.

This post has been edited by felixmask: Apr 29 2013, 11:04 AM

PM bond investor,

today i spoted P Bond series jackup compare usualy less than 0.05%

15/5/2013 PUBLIC ISLAMIC BOND FUND PIBOND 1.0595 0.0011 0.10%
15/5/2013 PUBLIC ISLAMIC ENHANCED BOND FUND PIEBF 1.1187 0.0030 0.27%
15/5/2013 PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND PIINFBF 1.0526 0.0021 0.20%
15/5/2013 PUBLIC ISLAMIC STRATEGIC BOND FUND PISTBF 1.0517 0.0010 0.10%


Huge switching or BIG shark invest in bond market ?

hi Xuzen,

What And How your criteria to test ? mind to share , want to try out some fund.

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.

This post has been edited by felixmask: May 20 2013, 04:11 PM

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.

best be own agent service yourself and family. Get back the comission.

Unit Trust is long term, that why you dont need to constant monitor every day vs stock.

Uniflex you need to go Public Branch to ask the infor.

http://www.pbebank.com/en/en_content/perso...ns/uniflex.html

UNIFLEX
If you are a Public Mutual Unit Trust holder, you can pledge your funds as collateral to obtain additional financing for your personal use.
UNIFLEX offers:
Flexible financing for Overdraft, Fixed Loan or a combination of both.
Financing from RM10,000 to RM500,000.
Competitive interest rates.
High margin of financing.
Loan tenures of up to 10 years.
Minimum documents required.
Fast Approval

OD = loan , personally i dont like own bank
must check what their repayment method they given.
UT dont give dividend but distribution, where you can see of sudden drop of NAV. Risk you need to think of:

1) Risk you may face when there is a panic or recession, then your NAV will drop becoz market not good and ppl mass withdraw their investment.

2) OD interest may higher that your distribution, becoz UT dont gurantee distribution what tomorrow will look like.

Investment is best save the money to invest not borrow money to invest. you may end up losing your money.

PM agent dont process Uniflex for customer, i dont know where you got ideas getting OD to invest more.
Play safe for investment is to made sure understand own Portfolio appetite and Cash management.

UT is for long term investor the reason you not having shocking news to monitor like stock.


let me give example- let said you only hv 1 type of investment you may need to know your asset/liability you putting one game.
If you correct then you get 100% return at you PM, also total of asset you having. If you losse you investment, it may need to take year of saving and hassle/suffer to get back the capital to invest again. Understand the asset portfolio before come a decision to use 100% asset - to gain higher return.

Some ppl maybe having more that 1 type of investment, the uniflex they took becoz of aggressive appetite could be 10% portfolio. Any thing happen they most loose their 10% at Public Mutual fund. Becoz they still have 90% of investment at other place will gain back their 10% in matter of time.


Pls note total investment you have and putting all the egg at 1 basket to play.

If you need a finaical planner i can introduce Certify Financial Planner to evaluate your investment portfolio. PM me.

Smart investor will use money to made money, not risk everyting in 1 basket.

This post has been edited by felixmask: Jul 15 2013, 04:57 PM

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.