1. Switching of low-load units of bond/money market funds into equity and balanced funds will be subject to service charge.
2. Switching of loaded units may incur switching fee (of up to 0.75%) which is deductible from the redemption proceeds. The net proceeds will be processed into the "switch to" accounts based on the NAV per unit at the close of the business day:
3. For switching request made within 90 days of the date of purchase of units/switching into the fund, a switching fee of:
- 0.75% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from equity/balanced funds.
- 0.25% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from bond funds.
- RM50 per transaction will be deducted from the redemption proceeds for switching from money market funds.

4. For switching request made after 90 days of the date of purchase of units/switching into the fund, a switching fee of RM25 per transaction will be deducted from the redemption proceeds.
5. For Mutual Gold & Elite Members, the 18 and 30 switching entitlements valued at RM25.00 each can be used to offset switching fees incurred. For eg; if the switching fee incurred is RM75.00, a switching entitlement of RM25.00 can be used to offset the switching fee, thereby unitholder only incurs RM50.00 on this switching transaction.

I read the switching fees above a few times but still can't seem to understand how it applies to my situation below:

Switch Request: To be made after 90 days
Switch From: Loaded Units on Money Market Fund
Switch To: Public Bond Fund

Can someone please help?

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Dear all,

May I seek for some advice regarding to Public Bank Uniflex Loan for Public Mutual UT holders?

If the maxiumum amount of Loan is up to 80% and BLR is -1%, for eg UT amount is RM10,000.

The loan can be provided is RM8,000 and interest rates will be (6.6%-1% = 5.6% )?

My questions are:
1) Is Bond holders eligible for the loan?
2) Is the BLR will be fixed or floating according to market rate?
3) Any latest BLR interest rates for the Uniflex Loan?

Thanks in advance for any advice from you.

1) apply to all Public and PB funds.
2) BLR is fixed by BNM, BNM fixed the ceiling BLR, the bank has the rights to charge lower.
3) latest BLR is 6.6%

Thanks for the reply, bro. Do you know how much is the interest rates for Uniflex loan?

just to double confirm, if I make transaction before 3pm, the transaction price is today right?

Can someone teach me how much for PM return per year?