is it really advisable to get a share on companies like TNB? which is GLC companies as it will depends on the political environment as well right?

Its all depend your risk appetite. You need to do the homework and decide for yourself.
Btw, this question is more related to the share market.

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

Which funds you are referring to bro?

same question here bro...huhu

China link fund

I would say all china funds from every fund management company not doing too good..

I have purchased the PRSF about few years ago (one time) and now I would like to top up and have the money deducted from my public bank account monthly to purchase the unit trust.

Let say I have RM100 deducted from my account every month and the NAV now is 0.6533. How many units I will be getting after deduction of the service charge?

How is the annual management fee deducted? Is it deducted from the NAV price itself?

net investment x (1 + Sales Charge %) = gross investment

Assuming SC 5% (I dunno cos I'm no PM client), work backwards
net investment = RM100 / 1.05 = RM95.24

Units u get = RM95.24 / RM0.6533 = 145.78 units

Management fee is already reflected in the daily NAV pricing, so u need not worry about it.

This post has been edited by Pink Spider: Dec 16 2012, 10:21 AM

lets make it simple

unit = gross investment / (NAV+NAV*SC)

your DDI RM 100 apply during promotional period or after, if during launching and promotional period the SC price normally lower than 5.5%.

annual management fee you no need to care about it just see the NAV enough

Dear unitholder We are pleased to attach the market wrap and regional market review for the week/ fortnight ended 07 December 2012 for your information. Regards Customer Service

PSF, Ittikal...all like diving in the deep blue sea

Which fund is the most well performed and with good track records for long term investor? Like >5% return per annum?

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Added on December 18, 2012, 1:49 pmThanks. Understood.

This post has been edited by p4n6: Dec 18 2012, 01:49 PM

I'm existing PM client. I haven't had any transaction in my account since February or March this year when I liquidated all my funds which were bought using EPF and transferred all the money back to my EPF.
I'm not satisfied with this agent and would like to use another PM agent for buying the PRS scheme. Is this possible?

why not?

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?

FSM doesnt use agent force. they use online platform.

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%?

What do you mean by overwrite?

FSM doesnt hv PM funds in their platform, if you really like PM funds you still need to get direct from PM. If you want to get 2%SC, you can look on the similiar invested profile of other funds offered in FSM to your PM. Or easy way, get FSM CIS help.

Oh, so FSM doesnt have any PM funds in their platform? Didnt know that. That clears my confusion. I tot we can buy PM fund thru FSM Thanks for the explaination