Yeah, I know and ready for the long term investment but I don't want auto deduction from my bank. Can I just manually transfer but using m2u/cimbclick/ etc etc? If auto deduction I cannot stop it when got emergency cases, if manually I can manage to add funds for 6 months straight or hold 6 months for emergency cases.

I don't know about FSM, but logically you can manually do it. Today put in say RM1,000. Then in 2 months add RM150. Then in 5 months add RM350 etc. Should definitely be possible. Minimum top up amount is usually RM100 for unit trust funds.

Thanks

AIYH

Can I do this at FSM or I need minimum RM 100 every month?

Personally I choose eastspring small cap for 4 reasons:

1) Sales Charge :

Public Mutual charge SC about 5% to 5.5% per investment, which may not seem much if you invest once, but to me who advocate to DCA every month by income, that will be costly to me

For Eastspring, I can buy from FSM from 0.5% to 2% SC per investment, lower cost to DCA for me

2) Performance :

From the performance data and chart that I posted previously along with the website you can check, EI small cap beat Public small cap by some margin

3) Flexibility :

Staying invested in an isolated fund house platform, I find it hard to switch around and compare between peers if the market doesnt turn well or you want to diversify into something different

In FSM, I can compare and switch between fund houses if I forsee another fund house having a better fund that what I own now, invest EI small cap in FSM allows me to switch to different fund houses in the future within the platform

4) Documents :

PM hardly publish FFS publicly to update their investors about the fund update, whereas other fund house they provide FFS on their website by monthly, easier to study and compare within FSM

That is just my opinion, I haven't have the knowledge to read in depth in the fundamentals of what they invest, what difference do they make and their future potential prospect, so I just provide my basic reasoning

As far as I know, small cap in Malaysia is still an inefficient market, therefore investors or fund manager can try to compete for information, insight and careful selection to outperform the market.

Though it is less risky compare to sector specific like property funds, it is still riskier than large cap funds, so it is advisable not to put what you cant afford to lose into this segment
Unless you are lucky or very rich to have a very good agent or financial planner that will update you promptly and advise you accordingly, chances that you will need to self study and understand your investment to prevent being cheated and misguided by own sentiment and peer influence

I have been through that, and still learning

Just wish to spread this awareness in some self study on your own investment

I wonder what is the role of UT Agent when we can DIY? Coz never heard from my UT since I purchased the fund...

changing agent is a headache cause as I knew from Public Mutual Officer, we need to write an office letter stated the reason we want to change agent with our own signature and preferably with signature of old and new agents also.......

headache to you is nothing when you realize you are paying someone to not do his job.

true, so I tend to ask for my "cool"agent thoughts on various funds, market strategy from time to time, just to get "3rd party thoughts", not necessary will follow his opinioin

may be our fund amount is too small for agents to actively give consultation to us, but we have the right to ask them 

my mom lost 30k in public mutual when the agent go sai lang into China before the great short circuit of 2016. sometimes giving advise can be a double edged sword.

that said I get more information from the fsm lowyat guys rather than pay someone to guide me.

changing agent is a headache cause as I knew from Public Mutual Officer, we need to write an office letter stated the reason we want to change agent with our own signature and preferably with signature of old and new agents also.......

Well, you can change agent, or you can leave Pub Mut and go DIY on cheaper platforms. We have already show you how to transfer for free and all

What are you waiting for?

But what I heard from the officer in PM HQ is first we need to identify our new agent first, then write in stating why we want to change. Never mentioned on the signature though....

But what I heard from the officer in PM HQ is first we need to identify our new agent first, then write in stating why we want to change. Never mentioned on the signature though....

I had done this. don't forget account number and fund name. 1 letter for each old agents. I got two.

Why need agent? You can't buy/sell yourself online (via Public online or whatever they have)? If so, that's disappointing. I thought PB will allow only self-management.

Why need agent? You can't buy/sell yourself online (via Public online or whatever they have)? If so, that's disappointing. I thought PB will allow only self-management.