It hard to choose the best but choose yourself.

Be yourself agent and do own study which fund to buy and taking commission ownself.

Self displine and understand own financial able to decide what best fund suit and act fast acordingly to the market.

DIY yourself better depend on agent. Agent cant guanrante fund return for customer but provide service buying/selling/fund information unit trust to the customer only.

Yes, you will have 2 accounts on the same fund.

There is no advantage in selecting "no agent" since the service charge is the same, other than conveying to Public Mutual that we do not always need any agent and that the service charge could be lower especially with PMO.

Anyway, if you are investing long term, there will bound to be another agent servicing you, as you may have move to a new town, or the agent had resigned/retired and no longer active.

Yes, there is a transfer form that you will need to get your agent to sign to transfer all the accounts under him/her to another agent. Me, myself has several agents, and I just let it be... though I had to do a bit of extra work to keep track to avoid unnecessary extra switching fees.

Cheers.

The only fee we are paying is the service charge in each new investment; so no, it is not possible to have any other extra charges later on (other than the annual management and trustee fees which are 'hidden'). There is no redemption or exit fee either.

AFAIK, there is a transfer form (normally used to transfer an account to another agent) which I think could also be used if the other agent is the "no agent".

The "no agent" actually has a name and an agent code... "PMB (WI)"; it will later show in the account details (in PMO accounts description) when you do Initial Investment and select "NONE" as the agent's name.

If you are purchasing manually at the branch office, I supposed you could cross out the agent's name and code on the form. Leaving it blank might open the possibility that the counter clerk would filled in any agent's name and code; which you do not want.

Someone had also mentioned that he had made an EPF purchase at the branch office without the aid of any agent.

Either way, with or without an agent, the service charges are still the same and Public Mutual has not given any discount when you're doing all the paperwork yourself, whether online or offline.

But there are some funds that are with free PA insurance... so I guess agents do deserved their service charges in some certain situations.

Cheers.