you are old-bie ...

Anyway guys, just sharing.

It will take at most 5 working days to see the precedes back to KWSP under category 'Pemulihan IPD'.

FYI!

i was manufacturing funds for the second largest unit trust company in the mid 90s. you can always make a much better return compared to FD. those days investing in funds or equities abroad was a big no. SC has changed a lot of regulations from those days. still remember people could borrow funds from financial institutions to invest in UT funds. economy went bad in 97, we actually had to call customers to come in and do a margin call. funds were worth less than what they borrowed for. the key to investing is to use the concept of dollar cost averaging. invest a little at a given interval averaging up and down and in the medium to long term, you should be profitable. happy investing.

Hmm btw do anyone experienced on can't login to public mutual online?
Almost end of last week I'm still can login, but this week they updated their new UI then I can't login d despite I'm typed correct my login information

I still able to login after the UI change, not sure what's the problem. Call your agent to get help, you already paid 5.5% "service charge"

maybe because of the timing?

btw,.just login...ok.


Attached thumbnail(s)

Able to log in

Yea yesterday night I'm able to login back d

Just use EPF2 account to purchase 2 public mutuals funds.

PUBLIC Asia Ittikal fund and
PUBLIC Far East Select fund

Of course the fees and GST will cost me a chunk now, hope for longer term it will let me know I made a right decision

just curious,. since 10 yrs ago till now, has those funds gives an annualised returns of 6% or more? if yes, how much more? does that extra % justified the extra risk?

This post has been edited by MUM: Apr 27 2018, 11:02 AM

If you asking about 6% only, I personally will say yes, which most of the funds that I know can achieve more than 60% growth within 10 years period.

I am even more curious if there is any other suggestion (of investment tool) from you, to address your question: does that extra % justified the extra risk?

6% is the EPF probable rate.....if can hit 6%, why need to take the extra risk?
does that 2 funds mentioned by him, can hit 8% annualised for the past 10 yrs?
i needed to have at least 2% above EPF rate to justify moving over to those mentioned PM funds.

Well risk is always unmeasurable, same to "potential profit return", at the same time the risk is to be controlled and managed, considering the nature of how unit trust works.

there are people enjoying more than 100% historical return after investing for 10 years, however there are still other variables that will affect the rate of return so there is no definite answer and any guarantee for that.

yes, that is correct
that is why i started the post 1430 as ....."just curious,. since 10 yrs ago till now......."

never try never know mah, then forever curious, no professionals can firmly tell u guarantee can get 8% annualized return, because this is not MLM or money game. If you have unit trust agents approach u, try ask them for "real" individual investment results, some of them might keep it, but of coz will not disclose the info of account owner.

or you may refer to the public mutual Fund Performance Charts.

If based on 10 yrs past records that 2 funds still cannot hv 8% annualised return....i would rather try on some others that has better returns than those 2 funds, if i were to use epf money..

any thoughts on this fund? Public e-Islamic Flexi Allocation Fund ? Just launched few wks ago.

tempted by previous eastspring dynasti performance i went all in.

dropping so fast in 2018

I want to invest into these as well, i have PIDF only..i wanted to split 1/4 from PIDF to invest into one of these...and the rest i sell back to KWSP..coz i want to invest in Eastspring..i also bought Small Cap

Treat Public Mutual Fund like buying share.
Don't blindly buy when high and every 3 month if using EPF.

Buy only when low or dip...
I have been selling and buying Public Mutual Fund thru EPF 3 occasion.

I always buy Public Index....just reinvested from EPF last year Nov when KLCI index hovering at 1720 point.
Now making rm3k extra plus from rm58k EPF funding.

As the Dividend declare on Jan yearly....
Just got back the 3% dividen which offset the 3% charges.
Which is about rm1.7k

This post has been edited by MakNok: Apr 30 2018, 09:51 PM