Few month ago, I did some study and finalize some target fund, but I din buy due to not match my portfolio.

PDSF
PFSF
PIDF
PRSF
PSSF

Pls take it as suggestion, study urself n select what suit ur portfolio.

I listed this as a shortlisted fund for Malaysia equity, not to have it all. Like xuzen say, u should diversify ur porifolio.

I listed this as a shortlisted fund for Malaysia equity, not to have it all. Like xuzen say, u should diversify ur porifolio.

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.

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.

If you are severed by your company and you look for a job; you may be dissapointed i.e., your mindset may still be looking at the  same kind of activity in the same industry.

However, if you change your mindset and tell yourself to look for an income; perhaps your mind my think outside the box and see further horizon.

Let's take me, I worked in pharmaceutical industry as a sales rep when I first graduate from uni for five years.

Then I took over my dad's kedai runcit for the next ten years, when he passed away.

Now I am in the DIY goods distributor/stockist as a General Manager.

See, three different unrelated industry.

I was not thinking in terms of job or career, I was thinking along income, and my income was used to invest into purchasing positive cashflow assets to create passive income and multiple streams of income.

Hope my answer can give you some guidance.

With respect to giving to charity and getting good things back, well here is some little advise.

When you do charity, you get a lot of chance to meet good people, people who you can network and create profitable relationship. Sometimes I get to meet future clients during such activities.

When you meet people outside their formal role, they are at ease, they are more susceptible to listen to you.

Xuzen

There is one thing which I have to check and confirm with Public Mutual. If we hit age 55, will the EPF investment loose its "EPF" status - which will then open up all the other funds (non-EPF approved) to switch into.

Otherwise, it will be boring with just 2 equity funds to play...

Cheers.

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. 

Come to think about it, the 80 formula is too conservative. If age 20, equities is 60%. And by age 30, 50/50?

50/50 by age 45 or even age 50 looks better, since we have EPF...

The bond funds here in PM can be lower than EPF dividends... no point having too much bond funds.

Anyway, I think the best time to switch into equities is from June to September. Google "sell in may and go away"; there's several recent articles on it. It's a myth, but somehow I trust it will be true this year. Always buy on the dip, not when it is high.

I have been waiting for a chance to get into local funds... should have jump in in January, but was wrongly thinking that the election would be in March, so waited and waited for the market to dip... well, it will dip sooner or later.

In the meantime, am holding 50/50 ratio... so all is good. 

Was holding up to 75% in equities, just pull back some... so I was "sell before May, and go away". 

Sold it off before general election.

Thank you. Actually I already invest 2 fund already using epf, so now I want to withdraw for 2nd time to
Invest. So I want to ask opinion bout this 2 fund PSSF AND PISEF.

Can anybody share what motivate u guys join PM?
For me, i myself got motivated after experiencing gaining around RM750+++ from my investment of RM2481.. (investment period from 2009-2012)

Xuzen,

hehe, it's not easy giving advice/suggestions on a forum, as we can only assume where the other party is coming from, or heading to... it can also be contradictory at times; it's confusing having DDI plans or DCA advice on one hand, and on the other hand giving advices on what market to overweight/underweight. 

What market to overweight/underweight this month or next month is market timing too.

Without knowing where the other party is coming from or heading to... even a simple DCA method could have various meanings to him/her, for example regularly invest everyday, every week, ever fortnight... or regularly top up whenever it dip below a certain NAV price.

This is a true example, not out of thin air... as earlier in the year, I believed I have had done enough DCA by switching into an equity fund (using low-load bond units) every week for 2 months. Then 3 months later, another round of DCA, switching almost every day for a period of 2 weeks. (Is it good or bad? Only I would know since nobody except me have the whole picture/story/reason behind the action.  )

Cheers.

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Anyone knows why there were price updates for the PB ASEAN Divi fund and PSEASF last week when the Indonesian market was closed for the entire week? These 2 funds no longer holding substantial Indonesian stocks?

Thanks in advance.

Any specific date when you do DCA?

I also have this fund. Holding already more than 2 years. IRR 8%. You judge.

Very nice indeed.. did any switching for this? Or just buy few times and stay put?

What is your rebalancing criteria?