yay... new thread!!

My PM portfolio funds have not been doing any topping up for 4-5 months already..

You're welcome Peter.
Hm.. only real leverage per se that i can think of for EPF is EPF a/c2 via
+ monthly taking out (more flexible - ie. U can use this sum to pay or invest) for mortgage,
+ yearly taking out for mortgage
+ and down payment

Any more ideas, please share share ar - ever hungry for executable options (for a common Malaysian lar, not billionaire )

Watch out the word 'leverage'. Just my thought on the other side of coin. What if it does not work as planned?

Huh, lower risk than stock market?
Mutual fund is investing your money in the stock market. (equities fund) 
So how can mutual fund risk is lower than stock market, when it is investing in stock market? 

You get the diversification through mutual fund.
But risk exposure to stock market is still the same, except your can have more diversification or spread out the risk to more stocks.

I don't understand these 2 sentences:

BUT keep in mind that a stock's market price is based on bids/offer of thousands if not millions of people, NOT a "perfect calculated"  price.
Thus, a stock's market price is totally based on perception of people and CAN GO UP EVEN RIGHT AFTER EX-cluding dividends.

dealing with a bank more safer than dealing with FSM......

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.

stop stomping on those fellows that went 80% fixed income on 2011 will ya
They be hurt enough as is 

I have just made another withdrawal from my KWSP a/c 1 a couple of months ago.... I have no issues with KWSP so far. Their service is fast and efficient.

Xuzen

Invest PSMALLCAP via SI
SI through Maybank
Maybank charge RM1 for every SI
Anyway this can b waive?

Sold my PRSF about a year ago to shift to PIDF.

Happily holding on to PISEF, not letting go... for now.

Xuzen

It's a REIT fund. It's relatively sensitive to interest rate.

With capital outflow from Asia, it's being hammered too.

Top REIT markets are Hong Kong, Singapore and Australia.

this thread really interesting, my unit trust knowledge from zero to 20% now. still havent decide to invest but would follow this thread to gain knowledge about unit trust

KLCI up 0.82%... PISEF up 0.89%. 

Bought 3 local funds in June and PISEF is the sole fund which I'm still holding. 

At times, investing in mutual funds is like playing a game of chess. Which move to make? Well, it depends on the position of the all the pieces on the board.

Take a look at the other funds and the entire portfolio; how are their positions? What role does this particular fund play in the portfolio? Is it in an attacking or defensive position? Or is it a sacrifice piece that will not have a major impact on the game if it is captured but will enable the other pieces to make winning moves?

One advantage over chess is that we don't take turns to make a move, and don't have to make any move if we don't have to.

Is it time to sell or is it the right time to buy?

Are you following the market and all the news? With the indices moving strongly in the past several days, and to take advantage of the volatility and not to lose the opportunity, is it time to buy or time to sell?

Before you decide which direction to take, this is a timely article, though it was written in 2011,  for the weekend: "Be an investor or a trader, but not both."
http://www.marketwatch.com/story/be-an-inv...both-2011-08-14

“And if you always thought you were an investor, but you’ve been watching the news and think it might be time to start making trades,” he added, “good luck to you because there are at least as many opportunities to make mistakes as to make money.”

Cheers. Stay invested.

your opinion need to have 6 months to 1 year cash?

cash as in idealing cash sitting in savings account ?

that kind of cash reserve ? can FD also considered reserve if the term is short eg month by month ?