No bro, just wondering when to withdraw is the right time
If I end it, most probably gonna put in normal fd only

In the long run, equity will outperform FD

thanks
i guess i will just leave it there first

If you are young and have few decades to retirement age and won't be needing the money.. I guess fd is not a good move

I have a question regarding PublicMutualOnline.

When I want to make a new investment, the online system will ask the name of my consultant or I can choose 'none'. If I choose 'none', will I still kena the normal sales charges? I want to know is there difference between the two choices.

Thanks.

Hi, any recommendation on EPF approved fund ? I intend to buy and keep for 5 years until I retire in 2022. Currently, my money is parked in bond fund. Thx in advanced.

You will still be charged. No difference for investor. Either consultant gets commission or Public Mutual does not need to pay commission to a consultant.

No difference in the sales charge; they are the same.

But note that there will be 2 different accounts (ie. 2 acct numbers for the same fund). So the implication would be later if there is any switching to be done - 2 switching transactions instead of one. But if there is intention to have more than one fund...

Public Optimal Growth Fund.
Public Ittikal Fund. (Please check, as it might be closed.)

Currently, it is a bunny market - it is hopping up and down; and bond funds like Infrastructure and Sukuk is doing better than the equity funds. I think (my unfounded layman opinion) it will continue for the rest of this year - and had converted most of my money-market funds to bond funds.

Take note that the EPF status on the funds will change to 'cash' on the 55th birthday, and opens the door to non-EPF approved funds. At the same time, it will also closed the door to certain funds that is only open to units with "EPF status" - for example Ittikal Fund.

This post has been edited by j.passing.by: Apr 18 2016, 02:05 PM

Thanks for the answer. I might as well let my agent earn the fee then.

Does anyone aware that Fundsupermart and public mutual charges?

Any experts make comparison?

Fundsupermart sales charges range from 0-2% while public mutual I'm guessing is around 5-5.5%

hi guys may i know which funds are best to invest for now? since economic not doing so good currently should we focus on bond rather than equity?

What I know is Public Mutual charge 3% for EPF Funds and 5.5% for cash.
FSM around 2% below.

On top of that, FSM they have annual management fee and other expeneses.
Does this also incurred for Public Mutual Fund?

After all expenses has been taken into account (after bought), which 1 is much worth?

correction ....
FSM did not charge annual mgmt. fees and other expenses......
I think you had mistaken those....those are charged by the respective individuals fund houses......
you cannot see those charges in the normal NAV prices movement....those are already "reflected" in the daily NAV.

yr Q: "Does this also incurred for Public Mutual Fund?"
read page "225" of this article....
http://www.publicmutual.com.my/LinkClick.a...-M%3d&tabid=105

Public Mutual declares RM87m distributions for 9 funds


PB Dynamic Allocation Fund - 3 sen

Public Far East Telco & Infrastructure Fund - 1 sen

Public Islamic Asia Dividend Fund - 1 sen

Public Ehsan Mixed Asset Conservative Fund - 0.75 sen

Public Select Mixed Asset Conservative Fund - 0.75 sen

Public Islamic Dividend Fund - 0.50 sen

Public Select Mixed Asset Growth Fund - 0.4 sen

Public Ehsan Mixed Asset Growth Fund - 0.4 sen

Public Far-East Balanced Fund - 0.15 sen

invest equity fund in good low time will make u gain more in mid to long term .

trust me , i started investing since 1984

This post has been edited by tboontan: Apr 29 2016, 08:01 PM

Hi,
Time to bs another long post... prefer to bs in this thread so that can review back what were my bs thoughts at this point in time.

==========
Question: I have xxx fund... should I top up?

Answer: What is the main worry - the fund or current market status? If it is concerning the fund, then do a review by comparing its performance in the past 3 years against its benchmark, and also against other funds of the same category.

If the worry and hesitation to top up is about the current market status, then you should proceed with the top up!

Simple reason: no one can safely predict how the market will be in the next several weeks or months; so the hesitation is just emotions at play and nothing to do with any planned investment method and objective.

Lastly, the words “top up” means that you are still in the beginning stage of accumulating units... so should carry on with the regular buys to reach the financial target as planned.

==========

Question: My xxx fund is at -X% currently. How much should I top up next week?

Answer: Depending on whether you are using DCA or VA... if DCA, then it is the same fixed amount each time. If VA (value averaging), should top up to the predetermined amount that was set at each date.

(See the post dated 19-5-2015 for further explanation on DCA and VA. Post was just updated to include the effect of adding inflation into VA.)

==========

Question: My xxx fund is at xxx% lost. Should I sell it?

Answer: What was your financial objective in purchasing xxx fund? If it was a one-time-purchase because of speculation that this xxx fund will ‘perform’ in a short period of several weeks/months, I wish you better luck next time.

And next time, look into the entry costs too... going in and out will cost you a lot of service charges in the long run.

Check out other fund companies or investment platforms that have lower service charges – anyway, it will still adds up... Even if we used a less costlier option of switching to other funds such as money-market or bond funds, the switching fees will add up to a tidy amount in the long run.

============

Question: I am new to UT. What should I do?

Answer: Read all my previous posts in this thread!

Pretty good Q&A you have provided.

well done bro. you're the man