could NOT get this info from KWSP or LHDN website.
from which official portal did you get the info from?

I would call UT as investment instead of saving

Differences Between Saving and Investing

Q: What are the differences between saving and investing?

A: Your "savings" are usually put into the safest places or products that allow you access to your money at any time. Examples include savings accounts, checking accounts, and Fixed deposit. At some banks your deposits may be insured by the PIDM. But there's a tradeoff for the security and ready availability of these savings methods: your money is paid a low wage (returns) as it works for you.

When you "invest," you have a greater chance of losing your money than when you "save." Unlike PIDM-insured deposits, the money you invest in bonds, unit trust funds, and other similar investments is not PIDM insured. You could lose your "principal," which is the amount you've invested. That’s true even if you purchase your investments through a bank. But when you invest, you also have the opportunity to earn more money than when you save. There is a tradeoff between the higher risk of investing and the potential for greater rewards.

pls read post # 2026

in the accumulation stage....(and) already past accumulation stage also more hold more equities? typo error?

This post has been edited by yklooi: Dec 20 2013, 11:15 PM

does it suit your risk profile?
pro and con
http://www.publicmutual.com.my/LinkClick.a...GVo%3D&tabid=86

just saw this in the application form.
RM 300K, RM 400K and RM 500k...is only applicable for applicants aged 50 and below at date of application.

http://www.fimm.com.my/investor/how-to-lodge-a-complaint/

means?

wow, the UT companies will definitely LOVES you...

helps needed here to analyse.
if comparing between funds of with the same benchmark,
the higher the value of
1) Fund Std Deviation,
2) Fund Sharpe Ratio,
3) R Square,
4) Beat

the better?

i guess you have to see if they are all invested in the same areas or sectors.
do you want to have over lapping coverage?

just like betting on the same horse....if all goes as planned,...then win big

where can i check the % of allocation for countries or sectors of PM Funds?
example...if i have the Public Regional Sector Fund (PRSEC) and i wanted to see the % of allocation to each region...where can i see that?

thanks for the info.
was given the master prospectus by the UTC at tesco...and had been searching for required info....

Thank you, felix, j.passing.by and koinibler.
already copied and past the link to my portfolio file.

well said.
me too was shown by UTC about the returns of PDSF but minus the data of -30% as shown in yr provided chart.

what are all the pro's and con's of 1) & 2) that you think are available? is timing the consideration here?

I think forummer Xuzen would have gone for.......refer to post #2228

Studies have shown that people who pen down their goals have a higher chance of achieving said goals as compared to people who don’t. It’s likely the same goes for investing; the unfortunate thing is that many tend to start investing without any objective in mind. If you know why you are investing, it will help you to formulate a clearer strategy and avoid unnecessary risks.
http://www.fool.sg/2014/03/17/why-its-impo...an-end-in-mind/

unknown about yr risk profile, financial savvyness, availability of emergency funds, liabilities, dependends etc, etc....cannot tell much

if you moved this RM 10k to investment do you still have enough for emergency funds, etc.

Kenanga is a M'sia focused Equities fund
Kidsave is a balanced fund (mainly in m'sia)
different risk profile....thus different returns expectation

FSM charges about 2% max SC...bank or agent maybe 5~6% SC....

RM 500 monthly to each fund / divert to others funds...what is yr risk profile? do you want country focused or a balanced portfolios of funds?

have you gone thru this?
http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

just a note...you have posted in a WRONG thread....this is Public Mutual thread

This post has been edited by yklooi: Mar 18 2014, 01:06 PM

after minus the 5.5%SC?