Fund NAV moves together with its portfolio worth.

If the particular fund invested in equities, and stock market plunge, you will see fund NAV drop, as simple as that.

Whether longer term value increase or not and how much, nobody can be ascertain one.

ok..so as long as the fund invested in equities and stock, the risk is there right ?

Yes.

A unit trust Fund - a basket of equities/stocks/bonds, depended on the fund objective/strategy.

there is a long list of risks of inveting in mutual funds in here....
https://www.fimm.com.my/investor/abc-of-uni...ng-unit-trusts/

if still unsure...please remind your UTC (agent) the next time you two meet up, to explain more to you in details...

Is its safe to keep existing investment or best to withdraw all ?

no right or wrong answers...
some people may ask you to keep for long terms, some people may ask you to sell and come back to fight another day.

it is all up to you personally....
if "SELLING" now would make you feel happier, just sell it off.
if you are still hesitating.....then review your investment portfolio....
review the portfolio allocation...is it too heavy in a particular country/region?
is that country or region still have good valuation?
then decide if you want to "switch" to other fund (that cover other country/region) of the same fund house....this would "REDUCE" the service charges.

have you recalled why you want to invest in PM?

btw,...if you want "SAFE"...sell ALL investment now and then move to bank Fixed Deposits that has PIDM coverage....
b'cos if you still invests in Equities mutual funds...then "Nothing" is safe.....(Bond funds maybe)

This post has been edited by T231H: Aug 25 2015, 10:46 AM

I would say keep the existing but dont withdraw anymore from your epf because if u were to sell now u might be selling at loss. Just wait for it to bounce back and recover the 3% service fee then only sell it off.

Thanks guys...this sounds right..will keep the existing..

That's why you bought into unit trust funds in the first place, so that you don't have to worry about the two questions.

Let the professionals do the worrying for you.

Though I have cashed out most of my investments for short term gains, a substantial chunk of my EPF monies have been invested with unit trust funds.

There's a difference between Cash investment and EPF investments, the following is why i don't intend to liquidate my EPF investments because:-

(a) they are for retirement, i still have a good 30 years before I retire and I am riding this wave out.

(b) i don't intend to lose a single penny by withdrawing during market cycles especially when you have 30 years time frame to recover.

© if unit trust fund is feeling the pinch, don't you think EPF will feel the same as well? They probably sell some property or lower dividend payment for next year just to make the cut (also, they can be akin to a ponzi scheme as well).

(d) look at the past historical performance and observe how the fund has bounced back.

(e) believe in what you have purchased because there was something that you agent has sold you and you believed in it.

(f) lastly, stop looking at news. Your in this for the long haul.

this is my opinion. if u think its wrong, maybe u can consider other member's opinion

1) unit trust is for long term investment. it take at least 1 - 2 years for payback.
2) i invest in unit trust because i dont want too much headache and i dont want to keep continuously monitor it. if people keep on chasing for daily basis, they should try Forex.
3) invest, invest and invest. that is why u have agent. they dont charge fee for nothing. u dont have crack your head. economy down or up, it always have pro and cont. the management will decide their master plan to compensate losses.
4) public mutual is strong and stable with consistent record. why still worry?
5) regardless of economy down or up, u still cannot touch your epf account 1. so, why bother? better to dump it into more convincing investment channel. for me to choose between EPF dividend & public mutual, i would go for public mutual.

all in all, u have agent to arrange it for u. let them crack their head.
unless u are doing it by yourself via FSM, its worth to worry about your portfolio.

hi Guy,
I am interest in invest on Public Mutual,
any suggestion that which fund i should invest?
they are so many fund there
hope sifu can help me,

thank you

there is a PM thread at LYN...try post there for a more dedicated response?....
https://forum.lowyat.net/topic/3580942/+300

regarding your question...."any suggestion that which fund i should invest? they are so many fund there"
try read this while waiting for more responses....
How To Select Unit Trust Funds?
http://www.publicmutual.com.my/Resources/U...ns/Lesson7.aspx

This post has been edited by T231H: Oct 4 2015, 12:19 AM

I assume u invested with public mutual? How much profit u making average per annum?

no,i didnt do it by Public Mutual.
my platform are the following : CWA & FSM.
as for my CWA, it starts to give me 10% per annum.

What funds did you buy from cwa? How much is the sales charge?

through agent is 3%, but since this is for long term, i dont mind paying the fees as long as its worth to clear my headache.
u pay for a zero-worry-fee.

for the funds, i dont pay too much attention on my slip statement but i saw there is Dali Equity & Asia Pacific Dynamic.

eunittrust/phillip mutual offering 0% charge on 50 funds from 6 oct- 6 nov. Any suggestions on which fund to buy?

while waiting for more value added responses....I found this while googling...
hope it helps to provide some info while waiting....

...... to decide which unit trust fund to invest in.
http://www.publicmutual.com.my/Resources/U...ns/Lesson7.aspx

Btw, not all UTs has discounted prices and the 0%SC is for min RM 5000 investment

This post has been edited by T231H: Oct 8 2015, 08:43 PM

Wat is yo risk appetite?

High risk.

I'm looking at these 2 fund East Spring Investments Asia Pacific Shariah and Eastspring Investment Dinasti Equity, but currently both are quite high price, maybe wait for it to drop lower.