hi guys,

last year i started one fund, PIEF. and i've been doing ddi since then. let say i put RM200 for ddi. should i open another fund and split the RM200, and put RM100 on PIEF and another RM100 on the new fund? this shud be better right? as it can lower the risk of my investment? any opinion? 

dont know what fund yet. i'm thinking to go for moderate risk, as pief is already aggressive fund. i just want to play safe, as i plan to do this for along period.

i'm gonna start a third fund using epf next year. so, i will have 3 fund, 2 using ddi and 1 epf.

any suggestion for my 2nd and 3rd fund? 

Recently PM funds are not performing well... heart-broken

Even clear that this is a mid to long term investment, but somehow the bad progress is like banging my confidence level and creates a feel of worry and doubt

China link fund

Mind telling me how its work? PM sale charge is 5.5%. In that 5.5%, there's a portion for our agent right? So, if we use FSM, the sale charge is 2% (max), there will be no commission for our agent?

yea i know FSM doesnt use agent. What i did not understand is, by using FSM, can we "overwrite" the PM sale charge of 5.5%? 

Hi all sifu
Can I invest pix and PSF today ?
How the market today ?

Thanks bro
Which fund better for invest ?

anyone here invest without going through agent?

If you want to DIY and enjoy lower SC, go to FSM.

5/5.25% SC is a whopping rate over 2% top at FSM.

Disclaimer: This provided that you know what you're doing without professional advices and consultation.

er.. FSM is max 2% VS PM's 5.5% (normal) = PM's service charges 3.5% MORE than FSM

FSM
if one is silver ($50K-$149,999 held investment or cost paid, whichever higher, INCLUDING BONDS & MONEY MARKET), then FSM charges 1.75% only
if one is gold (>=$150K held investment or cost paid, whichever  higher, INCLUDING BONDS & MONEY MARKET), then FSM charges 1.75% only
VS
PM's Mutual Gold and Mutual Super Duper Gold.... insurance & stuff.

In addition, during "sales" in FSM at 1%, those silver/gold additional discounts are deducted from the 1% too.
This coming 26th Jan 2013 KLCCentre do, 0.5% only but the silver/gold additional discounts doesn't kick in (if i'm not mistaken) 

VS
PM's "sales" 5% 

As an investor, i'd rather lower my costs - extra insurance coverage (which PM gives) on top of what i'm holding is just blah.
In addition, as an investor, my HELD INVESTMENTS are supposed to grow, thus FSM's "counting" of the higher of "held investments" or "cost paid" to qualify is even more oomph.
The final nail in the coffin in terms of cost control is that bond funds & money market funds (the 0% service charges and 0% exit charges too) count towards Silver and Gold in FSM.

IMHO, my only pain with FSM is the SWITCHING between Fund Houses.
Semi-solved by ignoring Inter-Fund house switching, just switch bond-equity funds within Fund Houses for now 

Just sharing for investors that are cost picky.
Note - i'm a PM agent and i STILL get into FSM for cash investments  . Pls note that agents get 2.75% or more (depending on level) + "career benefits" (ie. 0.2% of all equity funds held by customers). Yet, FSM is still cost effective & more options to me. Imagine that 

Note 2 - not PM bashing yar, just that IMHO it's not the most cost effective and flexible for cash investments now.

Fundsupermart is indeed very attractive due to its cost. But, they seriously need to open more branches in Malaysia. There is no FSM branch in Kuching and make it hard to attract more customers though. That is the reason why public mutual dominate the UT market due to its presence. Although the sales charges is high.

Don't u feel wasted for those funds that u have already paid 5.5% in PM and transfered to FSM and pay another 2% there?
My strategy is all new funds will put in FSM. Perhaps will transfer low loaded funds from PM to FSM.
I agree with you, no point maintain the PM UTC agency, u still pay 2.5% - 3% up front charges even after u take out the commission.
PM no longer a top achievers in terms of the fund performance. 1 more excuse to quit PM.

Xuzen, Kaka23, WMK,
thanks for sharings...seems like PM "taikor tai" position in private mutual fund business is challeged by FSM, and other online DIY investment portal.

Switch all --> u mean switch all my profit so far right? like in my example, the 500.

OK, will read previous pages about this switching.

Right now i only have 1 fund. Seems like i have to open a new one asap. Should choose a bond fund after this.

Thanks for the input. Any suggestion what bond fund (shariah compliance) is good to start now? 

And, if i'm gonna open 1 epf fund, can u suggest what type it shud be? i mean, bond or equity or etc.

Based on my recently analysis on PM bond fund, the best non-close bond fund will be PBSKF and PBBOND, or u hv 100k, can choose PEBF and PIEBF.

Yes, both initial and additional investment is set to 100k. As I understand, it is change sometime ago and not from the begining. My friend have this fund but he can't add on anymore due to 100k constraint.