Public Mutual = Unit Trust = Instrument only

There're a lot of instrument for investment, so pick the one that suit you, on how you manage the risk. For me unit trust already on low risk.

Add with your long term goal, then you already minimize the risk. You may look on equity fund for higher probability gain.

thanks for the reply...

I understand, but which type of fund do you recommend? if you are to choose? since there are so many funds available, but I'd try to avoid those overseas funds in vietnam cambodia china and etc... not for now... local one would suit me more....

I don't mind passively invest say 200 into my portfolio, for future income...

This post has been edited by tehoice: Apr 4 2013, 06:27 PM

You plan for 10-15 yrs, so time is on your side. Just pick one or two malaysia funds to invest monthly.

I mean award winninh malaysian funds..

This post has been edited by Kaka23: Apr 4 2013, 06:51 PM

Hello all, am a newbie on this side of the forum coz I used to have a good agent(retired now) so pls bare with me.. thanks..

Im just bumping this thread because I am now agentless and kinda worried if I need to do anything with my funds with the elections coming up.. I have a 2 funds, 1 moderate risk and another 1 high risk with monthly savings to cater for DCA.

This GE13, I am thinking to whether leave them alone or do something about them. I am thinking to leave the PRSF alone but the Smallcap, I am just on the fence about it. I believe there is going to be some heavy movement there. Suppose this fund looks at small to medium listed companies in Msia but I need to check if it is made up mostly of GLCs ?. I believe I have seen them publishing in their quarterly report which companies they invest in. Can I get this info over the net ?

Also, if I switch to a bond and keep a bare minimum in this fund with the Autodebit still activated, can I switch back into this fund ?

I try not to comment here as I am too slow and most probably will ask a silly question, the numbers and abbreviations are really not my forte.. so apologies in advance..

@tehoice

for fund selection, you can use j.passing.by summarize. Quite useful for me too. here ; http://forum.lowyat.net/topic/2466037/+760#

search previous post will help you a lot.
Just remember, its used as a reference only, you need to decide yourself which one that you're comfortable with

@xbotzz
you can get quarterly report from here;
http://www.publicmutual.com.my/OurProducts...FundReview.aspx

just it only show the top 5 holding. for full list of holding, usually i refer to the report that they will send us twice a year. I believe you had received them before.

Even for the account that you already switch out all, the account is still being active for quite some time. In my case, nearly 2 years already, but the account is still active. So, in your case where DDI is still active, there's no doubt that your fund account will stay active and you can always switch it back anytime.

Please do post here more often as it quite help me too.

Thanks for the link, seems the PRSF has more GLCs then SmallCap Fund.

I just called up the CS. My case the SmallCap Fund has been closed for sales, so I cannot switch 95% of my SmallCap fund to a bond and 6months later switch them back to SmallCap even with a DDI. Since I am looking at this at a longer term, ill leave them there hoping the DCA will do some justice. Thanks again.

My agend said the status will change from EPF to CASH investment when you hit 55.

What you can do is to switch out your profit from SmallCap. The least you can do is to protect your profit.

Yes, Smallcap already closed for new or additonal investment.

Since your DDI is still active, just let it be. Your money in the bond fund can venture into new fund like Indonesia or Australia fund. More diversification.

As if i need money as in 2 years time, should i let me DDI continue to go on or just stop it then let the value goes up ?

In my opinion, if the value is low (low like <20K), let build up the capital first through DDI. Then, it will make more sense to have a ratio portfolio and then thinking about switching.

If you already plan to use the money in 2 years time, I think that money not suitable for unit trust/equity. It might suitable for bond funds. Then, when need money in emergency, if value is not right, low loaded unit/bonds fund can be use first.

The logic is, most of the time, bonds fund (Malaysia case) doesn't really fluctuate during economic crisis.

How can I view my public mutual at pbe online?

Thank you.

View what? You can't see anything from PBe Online.

You need PMO.

Wah...like that i better swicth back to EPF just before i reach 55

May I know your reason to switch back to EPF?

I thought its better be at PM since you can withdraw it when you want it, or let it stay for more profit run.

I can't think any other benefit except the year before that EPF declare 15% dividen

U

When u withdraw ur EPF A/C 1-funded investments from PM, it has to go back to EPF A/C 1. What "can withdraw it when u want it"???

This post has been edited by Pink Spider: Apr 5 2013, 05:31 PM

Aiyoo,
he just pointed out that all EPF investment from account One will be converted to Cash Investment once THe investor turn 55 years old lah.

So that can continue to enjoy the min guaranteed 2.5% dividend?