hehe - dunno about others but i've just redeemed ALL my cash in my PM mutual fund (except PBOND) and will be transferring at NAV to FSM.
Even with my cost structure as an "insider", cost-wise using cash to buy, FSM's cost is much better (not even taking into account of Silver/Gold discounts yet - add those and i'm even more happy) and with similar performance (no exact matches mar)

EPF on the other hand.. still cost & process effective for me to be with PM OR for pure anal-retentive control/options purposes, Amara for self-directed investments.

Just sharing personal POV 

PFEPRF --> AmAsia Pacific REITs
Reasoning:
A semi-REIT fund to a REIT fund, which i was after long time ago, tapi tak de

PFES + PRSEC + PAGF --> RHB - GS BRIC EQUITY FUND
Reasoning:
PFES + PRSEC holds bucket loads of China & personally, i've always wanted to do BRIC those yesteryears but PM tak de. Thus, just nice
As for PAGF - aiya, very small % compared to my PFES/PRSEC and left over from yesteryears, thus throw into same pot.

PNREF --> Manulife Global Resources Fund
Er.. no exact match but as similar concept.
This is my 2.5% exposure to "commodities-related stuff"

After moving my cash, i'll be poking my favourite Eugene in FSM about EPF-funded to see if it's worth the "hassle" which i perceive if i do via FSM, instead of PM.
Personally, i find that PM is becoming a "dinosaur" in a customer-driven/friendly world.

Although having some ok & good equity & bond funds
the charges,
red tapes,
speed of response from customer service, agent service, technical service
+ killing off a feature or two from FPAdvisor...
sigh.. seriously gotta re-look into my entire mutual fund approach + for my sis, partner & fellow investing buddies.

Consolidating to more cost effective and more responsive provider mar.
Not MASSIVE per se, small potatoes only lar compared to the rich folks.

Simple "cost effective" maths - EXCLUDING cost of being an agent + paying for software with some existing functions ripped out when upgraded:
[attachmentid=3145793]

Why BRIC instead of Emerging Markets?
I'm ALREADY in an emerging market + i've easy enough access to ASEAN markets direct via CIMBA40
Vs
Brazil, India & Russia - i've no easy access to direct equities & info

BTW, i use mutual funds to cover areas which i personally cant access easily directly, nor cost effectively, nor have the time to check every end of day.
That's just my approach - others can differ greatly.

By looking at the MGQP (mutual gold qualifying points); 1 ringgit for each point... on the account details tab within account inquiry...

1. Bond funds. You're right. Buying directly into a bond fund is low-loaded ie. meaning there is no high service charge of 3.0 - 5.5 %. You only incur a low service charge of 0.25%. And no gold points. The cost of the investment is the what you have paid in total.

For example recently I bought 20k at price of 1.2018 per unit and getting 16600.2 units after deduction of rm49.88 as service charge.

After some time, with changes to the unit price, plus dividend (if any) paid out which will change the number of units, it will not be easy to remember what you have paid, but it will be easy to figure out its cost if you always buy in neat round numbers of hundreds or thousands including the service charge; and let PM do the deduction for the service charge and calculate the number of units you are entitled to.

2. Yes, the gold points is 1 ringgit per point. Check your total points again, it should be correct. The total is what you have paid. If not mistaken, the total MGQP is what you paid in total inclusive of the service charge; rm1000 will get 1000 points.

For example, switched out from PNREF into PFEPRF (copied from PMO transaction history)
Fund        NAV          Amt Invested S/Charge Amount Paid (RM) Total Units
PNREF 0.2075 -10,859.91  00.00    -10,859.91 -52,336.92
PFEPRF 0.2862 10,834.91  25.00 10,859.91 37,857.83

The gold points transferred to PFEPRF was 10,860.

Get an investment update from your agent. It is an overall summary of your investment. You can see "Total Amt Paid" column which is indicates the amount you have invested so far.

I don't think so, coz customer portfolio should be P&C of every agent.
However I believe you should be able to get the same or similar statement upon your request to PM office.

PMO == public mutual online.

Once you have the access, you can view your portfolio yourself without going through the agents.

https://www.publicmutualonline.com.my/

You can get or know Total MGQP from:

Account Inquiry>Account Details

FYI, I plan to contribute towards KWSP untl age 70 or death, which ever comes first. Incidently 70 y/o is the max allowable by law.

This pot of money shall be for my old age use. I do not intend to retire at 55, I am looking at 65 or 70 if health permits.

I have multiple streams of income, and I do not have to rely on my main income (my work) to survive my daily needs. That is why I have good opportunity to save. Hence cash-flow is not an issue with me for the time being.

In case you want to know, my multiple streams come from renting of my shops, my current full time job as a manager, investment income from dividend yielding stocks and some nominal cash-flow from my financial advisory work.

Also, even though I kena tax at the highest tax bracket, I do not own a fancy car, I still drive a MyVi to work and the other vehicle I own is an old Toyota Liteace van.

So, there.... always spend less than what you earn. I advise my clients so, and I walk my talk as well.

Xuzen

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So, what do I do with all these extra cash-flow that I have.

Saving? Done.

Insurance? Done.

Education plan for kid? Done.

My wife and I have decided to use our extra cash for donation such as Hospitals, orphanages, house of worship and schools.

I am not here to brag, please don't think of it this way. I only wish to inspire and to tell folks here that financial planning works. Just be patient with it.

When I actually focus on it, it took me less than ten years to achieve financial freedom.

And I am just a regular salary working person, I am nothing special.

The pre-requisite ingredients are: Have a sound plan then discipline, discipline and more discipline.

Xuzen

Rental income as defined under Income Tax Act Sec 4(d) makes up 1/3 of my total aggregate income.

Advisory Fee and dividend combined is roughly 1/4, the rest is employment income.

Xuzen

thanks for the insight.

in your quest for dividends, i assume that your stock portfolio mainly consist of dividend stocks. do you accumulate such stocks only when the market drops or you do periodic top up of such stocks, be it monthly or quarterly...

They'll mail the tax receipt to your doorstep.