er.. Sis, U have Public Bank a/c? Can do online purchase leh - and do what U are thinking online instead of running around.
ELSE if U registered for Public Mutual Online, ALSO can do online.
The only prob is - this aint DDI and if that fund U are investing in "closes" for additional investments but not DDI, sorry - game over.

Hit that brick wall before with PSmallCap and PBond, via investing online through PBBank

This post has been edited by wongmunkeong: Aug 13 2012, 10:28 PM

my precious....

yup, very powderful weapon + access rights (data!!!!)

This post has been edited by wongmunkeong: Aug 14 2012, 04:01 PM

er.. bottom line, only for "financial industry pros/full timers"?

Ahem ahem.. pls allow me to serong a bit with an idea ar.

Since DDI doesn't stop if there's not enough $ in the funding a/c, just skipped for that month:
1. When U want to get in (ie. during low or "normal range" NAV of the fund), have enough in your funding a/c to DDI

2. When U don't want to get in (ie. during abnormally high NAV of the fund), remove your $ from the a/c for those few days - eg. if your DDI = 8th, then perhaps 7th till 9th, have less than DDI amount in your funding a/c, thus DDI does not happen for that month

Yar yar - snakey a bit but what to do, have to "play the game" based on their rules right? Creative a bit lor.
Please note your mileage may vary

Err.. U spamming or true?
Your previous posting: http://forum.lowyat.net/topic/2007814/+2413

If there is such thing, can help capture with your phone's camera and share share?

FYI - even Public Bank's special loan,
Uniflex ( http://www.pbebank.com/en/en_content/perso...ns/uniflex.html ),
that uses Public Mutual's funds/unit trusts,
does NOT accept "EPF scheme" invested mutual funds as collateral.
Thus, highly unlikely - U can try your luck though.

This post has been edited by wongmunkeong: Aug 23 2012, 04:31 PM

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 )

Hey CheahCW,

Thanks for the idea & pointers.
Nah - haven't deployed yet as i've some leveraged investments. Once i sell them off, no more leverage, then i'll deploy.
I'm a chickenshit when using leverage if it makes my personal D/E >0.5

This post has been edited by wongmunkeong: Aug 25 2012, 11:34 PM

Do U mean the mutual fund distribution theory where:
eg
a. Just before $0.10 distribution, NAV = $1
b. Just after $0.10 distribution, NAV = $1 -$0.10, $0.90
c. Fund holder gets $0.10 cash per unit less tax
Thus, what's the point

If U mean the above VS stocks' dividend, it's SIMILAR but not exactly the same.
ie.
for mutual funds' distribution dividends, it's a "perfect calculated" NAV price
VS
for stocks' dividends, a stock's market price "ex-price" USUALLY goes down after the date for dividend.
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.

My 2cents thoughts

This post has been edited by wongmunkeong: Sep 12 2012, 06:02 AM

er.. let me guess..
U didn't understand:
a. ex price of a stock?
b. that the market price of ANY stocks in any stock exchange is based on bids & offers, like an auction, of thousands and millions of people?
c. the underlying assets of a mutual fund and how its NAV is derived?

If U understand what the underlying assets are in a mutual fund, say an equity fund
AND
U understand what is a stock and how it's "price" or value is "created" or "stated" in a stock exchange
THEN
U should be able to understand that all prices on a stock market is PURE PERCEPTION of thousands and millions of people bidding to buy & offering to sell on stocks' prices.

If U don't know (a), (b) or © or a combination... er... sorry ar, thought U understood the bare basics before asking such a changgih Q on dividend distribution effects on mutual funds VS stocks.

This post has been edited by wongmunkeong: Sep 12 2012, 09:45 PM

koff koff.. old unker here
Ano.. 3 years time horizon?
IMHO, better to get into stocks (normal good ROEs, low D/Es OR good REITs OR China ETFs are a possibility as well) than equity mutual funds due to the comparatively high service charges.
These service charges, though if done long term (ie. waaaaay more than 3 years), can become more cost effective than direct stocks investments due to $0 cost or $xx negligible cost to move/switch tens of thousands to hundreds of thousands of $.

Due to the cost factor AND averaging (it's akin to buying a basket of stocks) returns, 3 years deadline is cutting it way too short AND to do it, most probably U'd be doing a lump sum in/out, rather than consistently doing DCA or VCA. Personally, i don't think equity mutual funds are the right vehicles for lump sum and short term combination.

Perhaps a mixture of bond funds + stocks. The mixture however depends heavily on one's risks appetite and capital available to achieve $300K in 3 years.
Heck, if i have $250K capital now, sup sup water lar BUT if i've only $50K now... heheh going to be an uphill battle AND may be taking on extra risks JUST TO TRY TO HIT $300K in 3 years (ie. may be suicidal risk trying to achieve such growth in 3 years).

Just a thought

This post has been edited by wongmunkeong: Sep 20 2012, 09:48 PM

Since i've the Will, insurance, etc from PM already... i've gotta get off my ass & become a FSM gold as well (i like discounts/lowered costs too)
Balance? Ohm....

Aiyo - i'm a kiamsiap / stingy fler mar, save save for umpteenth years, like some fellow who can afford big jewels.
Anyhow, not much bullets comparatively, to those bigger cannons here (U know who they are lar - Stocks to Mutual Funds, Gold King, Super Statistician & Probabilitcian ) They are the REAL mahaguru. i'm the stingy-guru

This post has been edited by wongmunkeong: Oct 3 2012, 04:58 PM

why complicate things ar?
EPF already stated TAKE OUT FROM A/C 1
The calculation of how much can be taken out is BASED ON A/C1
The amount taken out is FROM A/C1.

i think it can't get any clearer than what's on EPF's website wor.
How U manage to comprehend that it's (A) or that (A) is a possibility?

Yeah
Or at $0 switching fees, lagi changgih hehe. Imagine moving $100s of Ks value at $0, several times through one's investment life

Then again, of course one can argue one has "pre-paid" via the staggering initial service charges lar.

Just a thought

Any kind users with old version of FPAdvisor can help export the historical prices for PNREF (since start) to Excel, zip it and PM it to me?
WIIFM? ("what's in it for me" - U thinking?)
I'm doing up a simple short-mid & mid-long term trend for my own investing. I'll send U the "processed" Excel in zipped format and explain what the heck those columns of mine indicates.

I stupidly upgraded coz new PC on Windows7 (forgot fellow forumer's earlier posting) and woohoo... no PRICE button!
2 extra buttons for historical Index's PER & Treasury bill rates' NAV/price.. but but.. own PM's historical prices hilang.
Downgrade to me rather than upgrade
Any users of FPAdvisor cheesed off, please email PM's IT & Agent Services your feedback, else the historical "Price" function may be gone for good


This post has been edited by wongmunkeong: Oct 17 2012, 07:48 AM

Yo Xuzen,

FPAdvisor? To get it, register as PM's agent + subscribe $90pa.
Else - poke your friendly neighbourhood agent who has subscribed.

I think KPARAM + a few others have access to it (i'm getting old & foggy, can't recall 2 other fellows that posts often in PM thread v2 & v3, missing on/off in v4). Wonderful tool with flexi From To dates to press out the data, exportable to Excel for easy & direct processing for quants

Note - Ahem ahem.. some jokers thought i was pulling data from my butt when i first uploaded these data as a point of reference and comparisons. Neanderthals never saw such nice toys & thought they don't exist (world's still flat to them), what to do <end of b*thching>

er.. i'm only 50% quant but other 50% fan-shee
No idea what's my combined portfolio's Sharpe or CAGR is hehe. Just know each fund's / stocks' and transaction's CAGR

Generally ok lar - beat my target value for this year end's Net Worth by nearly 10% on my last tracking on Oct 15th,
thanks to CRAZY REITs (domestic + foreign) & property run-up (domestic - just sold). Lucky gua
However, can be MUCH MUCH better... if i had the nuts to just buy into DLADY big time aaargh..

er.. or U asking about my REAL baby.. my little girl?

This post has been edited by wongmunkeong: Oct 17 2012, 11:40 PM

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