I agree that agents exist to serve a market that need their service. But at the same time, I feel that most agents in Msia is below par. Particularly for PM, all they seem to do is to get a list of fund of the month (EQ or balanced funds only) from their upline to promote to their clients. Or when the market is heading south, advise to switch to bond or MMF as temporary measure. What about assessing client's risk appetite, even when market is going up, is 100% EQ funds suitable for most retail investors? What about asset allocation strategy?

Investors with PM are not stupid, a lot of them made good returns in the earlier years. The question is, do they pay attention to the latest developments and choices out there in the market or just trust their agent whole heartedly?

What I attempt to do here is, provide an avenue for people who are clearly not happy with their returns to see for themselves how does public mutual funds fare compared to other competing funds. If they bother to google i supposed

If the fund you bought from agent is available in FSM, then the process will be much easier

Means her commission paid in the past will be revoked？

Err, move units sure no more career benefit lor. I thought she came and make kesian face and plead so you won't transfer out etc

Unit trust is not stock

The distribution are irrelevant because when distribution declared, the NAV drop

If you opt for cash, your capital will shrink

If you opt for reinvestment, it will just reinvest back into your capital and your fund value didn't change

You should focus on the fund performance instead of distribution,

Just sent initial request email. Hope for positive response from fsm.

OMG! because of you Pub-Mut NAV dropped like h3ll     

Free unlimited switching? Used to be MYR 25.00 per switch... or MYR 75.00 if less than 90days.

They relax their rule already ar?

Xuzen

yes. ask your new agent to write change of servicing agent letter so that you can view all your investment.

Yeah yeah, well done! I can retire liao as the PM basher 

Wah, how can CS do that to our lowyat no.1 PM fans?

I hate to repeat this, but what is the compelling reason that you are still a loyal customer to them? I know you also buy from FSM and all, is PM attractive in its own way? Sincerely want to know

she said minimum 10%, last year was 14 something. need to get back to her and ask more.

Public mutual is not meant for short term investment, i yielded great profits in last year with investment in PRSEC and PFES about 8% to 8.5% ROI, but didn't sell out at that time , because i was just started to invest for 1 year.

Then this year because of the US-China Trade War now that both my funds are showing -ve in return meaning making a loss, but i will still continue invest because China's market won't be forever down and it will rise again is just the matter of time.

I would suggest to invest using EPF instead of cash, because of the sales charge % is different 3% EPF, and 5.5% for cash, therefore the breakeven point is lower if you invest using EPF. Unless you really have loads of cash till you don't know where else to invest.

My investment conditions:
1. Have sufficient cash flow in EPF or Cash.
2. Plan to invest long term 5 to 10 yrs or above.
3. Invest when price down, sell out when price high.
4. Try look into new fund which selling at lower NAV price per unit.
5. Overseas fund high risk but high return. 
6. Local fund can invest but need to wait and be patient.

Anyone can time the market come pm me pls hehehehe I think with UT one must be very clear this isn't like stocks, it's an investment tool not a trading tool (buy today sell tomorrow) but of course from it'll be affected by the stock market because it doesn't exist in isolation..

Above is good observation..I agree. yes ideally u wanna buy when low and sell when high but how to know low is lowest and high is highest ? same lor like stock.. can only apply DCA and have a long term horizon because again this one investment..

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

That's what my agent told me. He said should keep pumping money in PM or else the negative will be more.

Epf return is never guaranted.they are not obliged to reveal where they invest their money.there is no guarantee in investment.u win some ,u lose some.just manage your risk wisely

I means he’s seriously comparing the minimum guaranteed rate of EPF vs putting it in FD.

Really...

to be frank, i know UT has been under-performing the market and even losses. In the bad market conditions last year the only funds going up are gold investment funds (up to 100% 6 months in some funds, cant remember which). So in bad times, i thought i will switch to gold linked funds or bond/fixed income funds (hedge), and switch back to equity once market recovering.

Is that a fair strategy?