No, it is not. For PRS, you have to pay cash. Check the PRS thread to find out better PRS funds.

All the while I thought it's EPF. Since the money went into EPF account.

er.. how does PRS money "went into EPF account."?
U saw some document stating that?

Hi sifu here..
may i ask question regarding public mutual,

i got Rm5000 public bond fund which is RM2000 low loaded+RM3000 loaded,
if i go public mutual online sell RM2000 public bond fund,

My account will become "RM3000 loaded" Public bond fund?

OR
"RM2000 low load+RM1000 loaded" Public bond fund?

This post has been edited by sl3ge: Sep 25 2018, 09:29 AM

By logic, it should be the former, but why don't you give them a call or message them within PMO just to make sure that they or rather the PMO is programmed to act logically on customer's behalf?

(I don't have any personal experience in this issue, as I had forsee it and was lazy to seek clarification and choose not to switch loaded units into the same fund as the low-load and unloaded units.)

You could also try switching 1 or 2k to a money-market fund first. (And pay a $25 fee as switching fee if you are not a gold member.) Since mm funds has no service charge... so it does not matter whether the units are loaded or low-loaded, there is only the switching fee to be paid.

If I'm not mistaken, Public Bond Fund has been closed a very long time to fresh investments, so you must be holding it since years ago. If there is intention to quit for good, then maybe it does not really matters which type of units gets offloaded first.

=======

For the uninformed... switching from a low-load bond fund to an equity fund will incur a difference in the service charge between the bond fund and the equity fund.

The loaded units in an equity fund has been paid the full service charge, and when it is switch to a bond fund, the units remain loaded.

So when the loaded units are switch again to a equity fund, there is no further service charge, only a switching fee incurred.

anyone invest in Public Lifestyle and Technology Fund here?

Public Mutual declares RM51m distributions for eight funds

Read more at https://www.thestar.com.my/business/busines...T7bqOb7uEiUh.99

since last year end of july managed to open acc for asm, as1m and asw, and continuous top up until now, as of today i got dividend 500++. whereas invest in pm fund for almost 5 years, as of today my total profit still -400++

Which public fund UT did you invest in? This year equities except the US equities are down so may not truly reflect this.

PSSCF

Small caps fund not doing well in Malaysia atm. Hang in there, time will come for small caps to shine

already 5 years still get -ve yield, if the amount of money put in fd, how much i can get already as of today?

wow,....if 5 years ago, if only had selected PGSF, PCSF, some others, things would have been much better........

read post 1518, page 76 by J.passing.by....it did show interesting data on PM funds that had beaten EPF rate

This post has been edited by MUM: Sep 30 2018, 09:15 PM

I didn't realise you held that long. You need to compare every year to other similar funds (eg Psmallcap is doing better). If one's UT fund is consistently underperforming to its peers then one should consider switching after a period of say 3 years. I got this advice from watching one of those UT videos.

I won't repeat what MUM has written. There is a list of UT that is performing reasonably in the thread.

If your portfolio still losing money after 5 incredible year..
Better move back to EPF lo...imagine losing average 5 to 6% interest which you could have get from EPF.

This post has been edited by MakNok: Oct 1 2018, 07:30 AM

this is by cash, not epf. i only can withdraw it once reach the break even and invest on asnb

Oh dear....cash service charge 5.5% right?
But 5 year should be making or break even by now.

Whoever is your agent....should wallop him/her.

no lo... i did ddi for every month at the first 3 years, but since last year i stop ddi anymore coz the fund really not that good performance. but the fact is today i still rugi 400++

whoever recommend you that fund should be shot to death..

that fellow now is GAM