Hi all, been reading all 30 pages of v4 (and v3 partially). I have 3 funds namely PIDF, PISSF and PIOG from EPF (75%) and cash investment (25%). As these 3 are equity funds, do I need to open one bond/moderate fund first before I can do switching i.e. Open another tabung before I can deposit? Or can i select to do switching to any bond fund and automatically a bond fund can be selected?

Thanks heaps. Been enjoying reading all these banter and educational stuff, especially from Mr. Wong and Mr. Xuzen.

Thanks Mr. Wong for responding; it is more than 1000 units so I can just switch without opening the bond account first. Know any good-performing islamic bond? When switching to bond from equity, what is the min amount required to maintain the equity account?

This post has been edited by gen_ius84: Jan 16 2013, 02:12 PM

Sorry Kaka, by fact sheet do you mean the prospectus? Where can I get my hands on them? Actually I only just registered at PB branch for PM online. Fact is, I've instructed my PM agent to discontinue my EPF investment as I'm moving to CWA and become part-time agent (lower sales charge) now that I'll be actively monitoring my funds. Only last week done my analysis and learning the ropes.

j.passing.by, my thoughts exactly which is why I enquired the min amount that can be left in the equity. Little impact if small units switched as compared to the switching fee, but then isn't there 4 times free switching in a year? Or that is for cimb funds?

This post has been edited by gen_ius84: Jan 17 2013, 01:57 PM

j.passing.by, I'm leaving the min amount for easier re-entry fromt the bond after switching, or that scenario is not right. Haven't thought of repurchasing as that will incur the sales fee. I started the funds in early 2011 and now have approx total 110k units and have made more than reasonable gains. Hence now sourcing for safe exit whenever required to avoid losing money.

By little impact, i'm just echoing what you said: better to switch everything rather than just the gain itself. Unless the ratio of gain to switching fee rm25 very very large so as to make it negligible.

This post has been edited by gen_ius84: Jan 17 2013, 09:10 PM

Yes I agree the risk is similar. I go for it for its tax relief which is given from year 2012 to 2021 (10 years). After that, leave the sum like that and monitor like UT.