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Does PM agent get some cut if their clients do switching? As far as I know, switching cost RM25 or RM50, depending on circumstances..

Hi guys, would like to find out if one invest the EPF money into mutual funds, can it be used as collateral to get loan for eg business, property etc?
Thanks.

FYI - even Public Bank's special loan,
Uniflex ( http://www.pbebank.com/en/en_content/perso...ns/uniflex.html ),
that uses Public Mutual's funds/unit trusts,
does NOT accept "EPF scheme" invested mutual funds as collateral.
Thus, highly unlikely - U can try your luck though.

This post has been edited by wongmunkeong: Aug 23 2012, 04:31 PM

Wah, thanks wong. This is very helpful.
Will explore with them.
I just chatted with friends instead of letting the money sits idly in EPF, why not make it work doubly hard by leveraging not only on mutual funds but collateralize it to get more money running on other investment.

You're welcome Peter.
Hm.. only real leverage per se that i can think of for EPF is EPF a/c2 via
+ monthly taking out (more flexible - ie. U can use this sum to pay or invest) for mortgage,
+ yearly taking out for mortgage
+ and down payment

Any more ideas, please share share ar - ever hungry for executable options (for a common Malaysian lar, not billionaire )

Watch out the word 'leverage'. Just my thought on the other side of coin. What if it does not work as planned?

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Added on August 25, 2012, 7:00 pmSo EPF is better keep safe unless withdraw for secured investment fund worrr... even a bit only.

This post has been edited by techie.opinion: Aug 25 2012, 07:00 PM

hey brother, u start using leveraging method?

Hey CheahCW,

Thanks for the idea & pointers.
Nah - haven't deployed yet as i've some leveraged investments. Once i sell them off, no more leverage, then i'll deploy.
I'm a chickenshit when using leverage if it makes my personal D/E >0.5

This post has been edited by wongmunkeong: Aug 25 2012, 11:34 PM

Hi, I am new in investment. Wanted to create my investment profile for my retirement life. Currently is looking into PM investment.

Since the return of EPF is so low.. Want to withdraw my EPF for PM, may I know what is the procedure and which PM can I invest? Which 1 can generate more profit with moderate risk?

Thanks in advance for your valuable comments.

go to EPF SCHEME in my signature. read and understand it.

Hi,
my wife and i plan to withdraw our epf account 1 to do some investment; maybe buying pb mutual?

1. Are Public Sector Select Fund and Public Regular Savings Fund worth to buy? each of us will buy 1 of them.

2. shall we buy it now or wait it after election? we are looking for long term investment.

3. my agent advise me to invest RM5K per withdrawal and continue for 4 times then review again after 1 year. is this good?


looking for your valuable advice. newbie here. thx

after ge

waht is ur age and ur wife's?
yur risk tolerance? moderate? aggressif?

1. yes,
2. it up to u wait or not to wait. nobody knows the GE outcome will be.
3. yes, for regular investment every 3 months and review it annually.

if ur age 50 and above, dont withdraw it. if 40 -50, better go for moderate funds. less than 40, go for aggressive funds. read the prospectus and understand it.


suggestion only.

age 30 only. what are the aggressive funds that you suggest that can be withdrawn from epf account 1?

Public Sector Select Fund - aggressif
Public Regular Savings Fund - moderate.

if both my wife and myself also buy the Public Sector Select Fund, is it a wise choice?

yes, why not if both of u has high risk tolerance.

Public Mutual declares distribution for 8 funds.

http://www.publicmutual.com.my/LinkClick.a...dpA%3d&tabid=87

Thanks for the info...