@tehoice

for fund selection, you can use j.passing.by summarize. Quite useful for me too. here ; http://forum.lowyat.net/topic/2466037/+760#

search previous post will help you a lot.
Just remember, its used as a reference only, you need to decide yourself which one that you're comfortable with

@xbotzz
you can get quarterly report from here;
http://www.publicmutual.com.my/OurProducts...FundReview.aspx

just it only show the top 5 holding. for full list of holding, usually i refer to the report that they will send us twice a year. I believe you had received them before.

Even for the account that you already switch out all, the account is still being active for quite some time. In my case, nearly 2 years already, but the account is still active. So, in your case where DDI is still active, there's no doubt that your fund account will stay active and you can always switch it back anytime.

Please do post here more often as it quite help me too.

Yes, Smallcap already closed for new or additonal investment.

Since your DDI is still active, just let it be. Your money in the bond fund can venture into new fund like Indonesia or Australia fund. More diversification.

In my opinion, if the value is low (low like <20K), let build up the capital first through DDI. Then, it will make more sense to have a ratio portfolio and then thinking about switching.

If you already plan to use the money in 2 years time, I think that money not suitable for unit trust/equity. It might suitable for bond funds. Then, when need money in emergency, if value is not right, low loaded unit/bonds fund can be use first.

The logic is, most of the time, bonds fund (Malaysia case) doesn't really fluctuate during economic crisis.

May I know your reason to switch back to EPF?

I thought its better be at PM since you can withdraw it when you want it, or let it stay for more profit run.

I can't think any other benefit except the year before that EPF declare 15% dividen

@MakNok
So, may I know your reason?
or could Pink Spider reason is good enough?

As I only see 2 transaction of PRSF on 15/05/2013; so its worth on 1st April 2013


(only for portion of PRSF that switch out on 15/05/2013)

This post has been edited by koinibler: Apr 7 2013, 11:16 PM

@lazybump_nonsense
there's no way to monitor it live. end of day, only then they calculate for that day price.

even for some funds, especially non-local fund, we need to wait for another extra day for the price to be known since other country might have different trading time.

maybe he/she monitor the fund benchmark.

as for our local fund, KLCI or FBM Top 100 can be monitor live, and could well give us first clue either our fund going to be red or green that day.

Like today, KLCI +5 point,FBM Top 100 +37 point, we can expect our local fund is going to be green.

But today, our FBM Smallcap is -26 and we can expect our related fund to be on red today. Public Smallcap today price still not out yet, but you can always check it later.

I believe the information is given through email to all PM unit trust consultant.

Maybe you can ask your agent to forward to you any new news of related fund.

Another news today is PM lauching optional Takaful Plan, a new Mutual Takaful Protection (MTP)

I'm also not really understand the real concept, but I also think like you.
It might be just a feeder fund.

The point where PM want us to know about this maybe jus bcoz they're among the first here to get the license.

hence, just like you mention, its probably all china related fund can be well managed because of this. PM can invest money from the fund, but not directly from public investor. Could be well become china funds benchmark for PM.

Not just like before. Only left leg got inside, still not sure how Chinese do their business.

However, I'm still not considering any China related fund based on this news

Actually, its the same either through online banking or DDI. Its still 5.5% SC for equity. However, as David83 mention, there is a promotion right now for 5% till Dec 2013.

If transfer from bond fund, then your SC is actually 5.75% since bond charge 0.25% and then when transfer charge again 5.5%.

If transfer from online banking, RM 2 will be charge for transaction fee on top of the SC.

top up monthly for me is more to discipline ourself which is one important factor in achieving our own goal.

sorry on my incomplete statement,
RM2 fee is for the other bank through MEPS FPX. Public Bank account just free processing fee.

Some more, I also don't think that Public Mutual also included into the new regulation by Bank Negara where interbank fund transfer is charge at 0.10 cent per transaction. If other member did that, please tell me ya!

I try to think positive here;

this will encourage a personal portfolio for every investor where all unit is loaded. Then there will not much different on the SC of low loaded unit. However, by applying this will clash with rules of certain % in bond fund.

there's not much gain from having low loaded unit in PM. If we want only invest on low loaded unit, better find somewhere else.

I think PM already fell the heat where everybody not buy their equity lol!

I also heard that there will be change on limit on PII (Initial Investment) and PAI (additional Investment) on the new prospectus too.

can't cancel DDI through PMO.
need to fill form and send it to PM office.

If want to create DDI, yes can do it through PMO.

Yes, I'm also agree with you.

I can't see its logic by not able to cancel something that we also do it through PMO

i try to answer, if others find it wrong, please correct.


1. PB fund buy direct from bank, Public Mutual buy through agent. Both fund categories are handled by Public Mutual.

2. Fees are same for PB or Public fund.

3. Should go for equity fund, since bond fund are about similar return with EPF. Check which fund is Local EPF at fund price,

http://www.publicmutual.com.my/application.../fundprice.aspx

Then check which equity left which still open for investment.

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

Then you already minimize your option.

you may go to fund review and get the latest 1Q Fun Review.
From there, you can see which one is more equity based on their %.

This is an example of balanced fund.
For equity, its should be more % on equity, >70%.

You may choose your fund by comparing total asset in different country, top holding and the annualized return. All already inside the fund review.

PISTF is 100% Malaysia holding, quite large % of money market (which I don't really like, but its make it a stable fund). Commence on 2009 but only had annualized return of 8%.