maybe i did sign some form about switching.....not sure about that. too many forms were signed at the initial a/c opening..
maybe he/she tried to "save/protect" my investment....but you are right, it sounds scary because I was NOT informed before the switch.

from the
investor's point of views?
sales agents point of views?
age groups of investors?

This post has been edited by yklooi: Sep 6 2013, 01:53 PM

just a few more months of 20% in excess of minimum sum in EPF contributions (if one is at the higher age scale).....keeping or not make not much different....
EPF "should " be quite "safe" lor...backed up by govt...unless "xxx" then all die

This post has been edited by yklooi: Sep 9 2013, 05:00 PM

good question..go check the performance of the newly launched funds or the charts of the launched funds to see if there is any improvement 3 months after launch? appreciate posting of your findings

see this for some performance comparison
http://www.fundsupermart.com.my/main/fundi...torareacode=FEY

Click at the boxes of the required funds, then click "Display Shortlisted" to filter

just a note,...past performance may not be indicative of future performance

has it been 3 months since your last withdrawal? if yes, ask the person who submit the application for you to ask KWSP

your funds added up now losing 200+.....and you wish to sell them within 12 months right?
what funds did you buy?
what are they?
mind to share?
when was the last time you did the DCA? on EQ or FI funds?
need more info for the other SIFUs to easily advise "What shall I do now to cut the loses or even gain from it ?"

with limited info provided by you and with FED withholding QE tapering for now.......i think you got a good chance or recovering your lost 200+ (if you stop the DCA on PM EQ funds (5.5% SC is HIGH))......just observe it till November...if got gain RM10 sell all lor.

This post has been edited by yklooi: Sep 19 2013, 04:47 PM

you are planning to take out in 12 months, are you going to continue the DCA on every 8th and 18th? pls do consider the sales charges...

with only 12 months to go...what are the chances of gaining the ROI same as the % of sales charges.
next month would have only 11 mths, then 10 mths, then......

This post has been edited by yklooi: Sep 21 2013, 08:47 PM

not necessarily so....if the mkt trend is upwards, you will be in a winning streaks......but can the ROI enough to cover the SC in that short period.

This post has been edited by yklooi: Sep 22 2013, 04:25 PM

do you really want to exit ALL investment in UT in 11 months?
do you have other form of investment?

what is the projected annualized return/IRR you are looking to get? It is important to understand that unit trusts do not offer a fixed rate of return: your principal value will fluctuate, and the return on your investment is not guaranteed. The rates of return fluctuate with market conditions, changes of the valuation of the securities a fund invests in, or other factors.
so without a constant annualized return/IRR factor.....one can only assume?

wow "safe to use 10%"...goto the link provided by felixmask....to see can get the result?

This post has been edited by yklooi: Sep 29 2013, 12:48 PM

minus routine DDI Sales Charges & inflation....= actual $$??

always better to start investment early....just select well.

maybe related....
Q&A ON BOND FUND PLATFORM FEE
In this Q&A section, we address some questions that investors have on the bond fund platform fee.
http://www.fundsupermart.com.my/main/resea...?articleNo=3892

Investopedia Says
Definition of 'Non-Marketable Security'
Any type of security that is difficult to buy or sell because it does not trade on a normal market or exchange. These types of securities trade over the counter (OTC) or in a private transaction. Finding a party with which to transact business is often difficult; in some cases, these securities can't be resold due to regulations surrounding the security.

Investopedia explains 'Non-Marketable Security'
Some examples of non-marketable securities are savings bonds, series (A, B, EE, etc.) bonds and private shares. The U.S. government offers both marketable and non-marketable securities to the public. Marketable securities, such as treasury bills and bonds can be purchased and resold to the public. But non-marketable securities, such as savings bonds, must be held by the holder until maturity and can't be resold to another party.

http://www.investopedia.com/terms/n/non-ma..._securities.asp

can public buy mutual funds locally with ease?

try this, may helps...
http://www.publicmutual.com.my/OurFunds/Pr...usDownload.aspx