Public e income is 0%

But public e sukuk not 0%,

Thats i know

Hi all sifu,

newbie here, any good reco for EPF-Public Mutual fund?

Regards

Aim those performances funds loh n wait for nav low only buy 🤣

wanna ask, how regular do you redeem the profit?
Will the unrealised profit turns into the top up?
or just redeem when see the profit went high?

while waiting for value added responses
i googled and found this...

some redeem the profit by moving to other laggard funds,...something like this...to try to stay inline with the desired % of allocation
Rebalancing Your Portfolio
https://www.publicmutual.com.my/Menu/Learni...-Your-Portfolio

A Sensible Approach on When to Redeem your Funds
https://www.publicmutual.com.my/Menu/Learni...deem-your-Funds

Personally I would redeem when reach/exceed goal profit, and switch if I decide that it's time to adjust risk.

Now invest thru epf whats the sales charge %

Any promo?

hi, my bank account receive 1 sen credit from public mutual,





i did have mutual account but didnot have any action at all for months.

is this normal? since lately many bank fraud, started with just some unknown transaction.

This RM0.01 is by Public Mutual. Everytime a customer register their bank account. Public Mutual will verify the number with Public Bank. The banking of RM0.01 is part verifying process to check if the account genuine and able to receive the RM0.01.

0% until end of this month. Dunno if they'll extend.

that's the worrying part, i did not do register lately. my public bank account and mutual account been linked together for long time (years) and did not perform any action in last few month.

email support they just gave a template reply similar to u.

Myself also received this 0.01sen in my Maybank acc than i ask my PMO agent and she said not able to verify and that it , no more reply after that. What a shitty Agent.

my agent said "probably normal" ...

pmo should just send an acknowledgement email to all account holder they intend to verify to avoid confusion

normally fund managers performance (blue) will roughly equal benchmark (brown), rarely see them outperform, but PSA30F outperform last year
every RM1 you put into Public Mutual (equity funds) is charged 5-6 sen, if you take out, want to put back in have to pay that tax again. If you are afraid of losing that profit, can put it into PMMF where it'll earn FD rates, want to switch other funds later only need to pay switching fees.

I only recommend redeeming out when you retire, like EPF



This post has been edited by Medufsaid: Apr 10 2021, 07:56 AM

Thanks, a long time acquaintance called me up to ask me invest last month, saying the 0% promo until end March only..looks like the usual sales urgency tactic to push me to buy it fast..zzz

Yeah, they're misinformed or lying to you

This is the announcement on EPF nvestment page when I log in today:



maximum is 0.5% sales charge through i-Invest from 1 May onwards

Hi Sifu,

I decided to withdraw my public mutual back to my EPF account due to overall return still lesser if compare to EPF 5% yearly. I rather put in back in EPF
My shitty agent not really helpful since i already ask her guide me how to do it from PMO online. Her concern only keep asking you diversify EPF money to mutual hence she can earn commission!!!
Please guide me how to withdraw from PMO online to EPF and what will happen my existing MGQP points? Any charges like fee or etc.
Please advice and thanks in advanced



my existing fund (PUBLIC AGGRESSIVE GROWTH FUND) and in between the switching history cant be view if more than 10 years i guess

This post has been edited by babygrand123: Apr 11 2021, 07:40 PM

How to do unit redemption thru Public Mutual Online (PMO)

1.) Login to PMO site.
https://www.publicmutualonline.com.my/

2.) Go to Account and select either Cash or EPF Scheme

3.) Select Switch/Withdraw

4.) Select Yes to proceed

5.) Select which fund you want to withdraw

6.) Enter how many units you want to redeem and then click Request PAC. You will receive SMS for the PAC No.

7.) After enter the PAC No, Tick on T&C section and then click Proceed.

8.) Click Confirm.

9.) Redemption request completed. The transaction will take a few business days to complete and reflect back within EPF balance.

You really got bamboozled by agent 😅 The point of i-invest is to take bigger risk because EPF is already safe and pretty diversified LOL

Public Mutual tak boleh pakai

Thanks Boss for list down all the steps and really appreciated