Return is not the same as " distribution" per se......

A fund could be merely making 2% for that year..but distributes out 7% back to u.......

Meaning in fact the fund  pays  u back 5% of  your capital.u park with them earlier ....... ..

Sometimes it sounds good for people who depend on some passive incomes for their living , like having a 10% distribution, but it is better for u to know the real meaning of the distribution, then to wait for a crisis to appear ( Malaysia culture ). then only willing to find out more....

Best Regards..

Same, same.
before and after also no different.
different is the number of units you will get.

If we were looking internally, and disregard all the 'noise' about the market... to decide when to switch:

1. Re-balancing a matured portfolio, to regain back the desired bond/equity ratio.

2. During the accumulation stage (beginning stage of savings and investing into UT), and if using the Value Averaging method. When the value of the fund is more than the amount that you required or had planned, and you need to 'sell'.

(For more info into value averaging - http://www.bogleheads.org/wiki/Value_averaging)

=============

seriously? gosh - just remove the ) from the link and try lar     
http://www.bogleheads.org/wiki/Value_averaging

link corrected...

Get also try this link: http://lmgtfy.com/?q=value+averaging

News: 2 new money market funds only available to "Public Mutual Online (PMO) subscribers only."

Nil service charge... and nil redemption charge.

This could be as good as having a fixed deposit online, with minimal initial investment of RM100, and minimal additional investment of RM10.

Switching into these new funds from other funds is NOT allowed. They are essentially funds to act as FD or to park your money before buying other funds.

Since there is no redemption charge and no service charge, it would be better to redeem (as in sell) and then purchase other funds instead of using the 'switching' facility which will incur RM25 each switching transaction.

---------------

On another note, will a new country fund as like the Singapore and Australia funds will be launched soon for Thailand?

http://www.bangkokpost.com/business/financ...und-flow-begins

"Investors in Thailand, Singapore and Malaysia can now buy and sell mutual funds issued in any of the three countries. "

Great ... move new funds.

Not sure if good or bad timing though!