How about PDSF? my agent choose this for my epf investment scheme 

Thanks for your information. Then I should suggest my agent to get PRSF for my next withdrawal. Is it a good way or I should get more unit for PDSF since my first withdrawal invest into it.

I prefer not to switch out 100% of my bond to equity... wanna do DDI monthly.

my question is which is the best way for me to invest in PM equity?

Either I :-
1. sold off all my bond and parked my cash back into my PB account & from there DDI to equity. Or;
2. switch certain amount monthly from bond to equity.

Both ways will incurred sales charge fees, right? which is better method? 1 or 2? What's the reason for your choices? I need advice from experts here. thanks.

If I follow ur advice and switch all to equity in 1 lump sum, what if that equity tanked??? 

Wouldn't it cost me to lose more?    As I know there's no such thing as profit from the start when investing in UT... or am I wrong?

Nah, only 10k with ROI 7% (IRR 2.95%)... Already got 3 equities with PM (1 thru EPF), all closed fund but still able to DDI (not sure EPF fund can still top up or not)...

Need to study 1st on how I can reduce the sales fee / switch fee if wanna buy equity funds... my agent did introduce PIDF, PITGF & PRSF for me previously

I think forummer Xuzen would have got off his lazy arse and open a FSM a/c and go for Lee Sook Yee    fund liao.

I would suggest that you invest 70% of the $ lump sum and 10% every 3 months afterward. This would take advantage of better lump sum return but at the same time have sufficient fund to top up in case the fund going south. I would do this if I have lots of cash to invest. The return is better than DCA in most market condition.

Forummer Xuzen is looking at his datasheets and PFSF did not even make into his shortlist.

Further digging, forummer Xuzen realised that PFSF perform almost on par with its benchmark which leads him to question why he need to pay 1.5% p.a. management fee to the fund manager who cannot beat the benchmark.

Xuzen

p/s: Answering in 3rd person can be some funneh!

Ah Kim ar... you realised that you are not diversifying at all hor.

PDSF, PRSF, PISEF, Lee Sook Yee    fund & Chen Fan Fai fund semua are jaguh kampung wan leh.

Why you no go oversea a bit?

Everyday eat Nasi Kandar... no diversification, tak jemu ke?

Xuzen

Forumer Xuzen looks at his datasheet and sees two foreign equities making into his short-list. They are Public Far-East Property & Resorts Fund & Public Islamic Asia Dividend Fund.

Public China Select Fund  .

sure win wan!

Xuzen

Hello everyone. I intend to invest some in PM. Can anyone recommend me some good products. Serious answer please 

try to scroll for suitable investment that i can do with 2k...
but 114 pages    

so far saw "public far-east property and resorts fund" and "public islamic asia dividend fund"...

highly recommend???

reallyyyy a new new new new birdie here for funds.....

just walk in to the mutual then tell them what fund i want to invest? thats all????    

... it's nothing new!    I posted this almost a year ago, calling it the "Always Pot Black Strategy". And I'm doing it.

I am, fortunately, able to withdraw more than I need in each new purchase; and it is a sizable amount  to spread over more than 12 months. It saves the hassle of meeting my agent every 3 months or so. Yes, there is a cost and lost in EPF dividend in parking the excessive monies in a temporary bond/money market fund . But I put more weight on lesser meetings with my agent and getting my thumbs stained!

I also do a bit of timing in making the switchings, so maybe (maybe as I have not really calculated the differences) I might have recovered that cost as well, or maybe more than breakeven.

The bond funds are not doing so well recently. In the longer term of several years, maybe they will perform better than money market fund. But in the short term of several months (maybe up to 18-24 months), no.

For example, they went negative in January. If you entered in December, it will take some time to catch up a money market fund.

Usual gains per month: Bond 0.26-0.28%. MM 0.22-0.24%
January lost: Bond -0.22%
No. of months to catch up: -0.22 / (0.26-0.22) = 5.5 months.

Then if maybe another negative set back in April or May... 

Anyone noticed that EPF withdrawal time frame is getting long in 2014? Last year, if I were to withdraw from EPF, the $ goes into my investment immediately.