fimm basic infor on UT Malaysia and UT exam. Otherwise Google plenty on infor on UT.


https://www.fimm.com.my/resources/publicati...-and-brochures/

thanks !

How long term is your "long term"? You can DCA for 20-30 years if you got the time... buy-and-hold does not necessary means a one-time lump sum investment... buy-and-hold because the DCA method is regular purchases - it would be finicky if we sell but yet at the same time we are doing regular purchases.

If you have already retired and enter with a large amount of money, do a full portfolio of bonds and income funds for a steady stream of 'pay-out' distributions.

If you don't have the time because you started late (maybe in your forties or fifties), then do a portfolio with a combination of income and growth funds. How much growth funds to have, it is up to each individual... and where's the troubles and headache begins... to take the risk and chase growth performance or not ???

The basics are simple and only a handful of things to keep in mind... actually it is the basics that I try to emphasize in this thread... only handful of concepts to pick up, most of the posts and articles are repeats saying the same thing over and over!

I think what is more important to any person is personal money management, though it would be easier to sell using greed, and showing fast, easy returns to entice the customer.

public mutual should keep up with the trend if they wish to survive longer, at this internet age they still cannot accept online transfer but only to pay by cheque is real primitive, their pmo website if compare to FSM feel like child play. Buck up.

Probably u need to open a public bank saving account then that will solve ur issue?

I uses FPX function in PMO for additional contributions transferring from different saving accounts in various banks; so far so good.

Thanks. Sorry newbie here.

Ok thanks.

3 PM UTC want recruit me

should I go for PM UTC ?

Im interested on investment, hope get knowledge on investment.

bcz this thread, I know fundsupermart & morningstar.
and I know how to trade forex in MT4. get profit,less losses. earn USD 100 per day no problem for me.

what should I do ?
I need money to survive, my parent company kena sued by supplier, already get demand letter, worse case is wise-up n bankrupt.

no work, no income.

how ? i need to pay insurance & loan monthly.

lucky Im still single.

You can try, its not that hard to do actually. it is easy to close EPF sales. But you need to really close alot of sales la, otherwise you dont really see the money . I say for a starter at least must achieve 100k sales monthly in order to not eat grass . If you know alot of people, it should be a very easy task because most ppl are still unaware of the fact that they can transfer their EPF savings into UT

For me, I do part time for now, why? Cause I do sales line, I get to meet alot of people, then from here I can promote . If its good then I do full time, if its not I still have my job

This post has been edited by JaniceWLV: Jan 6 2017, 11:10 PM

Any public mutual fund agents able to assist with my problem here?

Would like to purchase the life insurance offered for fund holder on behalf of my father.

My father is not yet a fund holder but intend to be one, at the same time also intend to buy the life insurance offered for fund holder, namely Mutual Life Plus 2,Mutual Takaful Protection, and/or Group Term Life with Personal Accident.

Already read the product disclosure sheet for all of the 3 products, already understood most of the terms except for the Mutual Life Plus 2 I need to know the premium amount since its not disclosed anywhere.

The biggest problem for my father is that he is always outstation and he is unable to meetup with agents even during weekend/night due to his job nature.......however, if necessary, I as a representative can get the relevant documents ready and meet up to submit the documents. Does any agent here able to help me out with this situation?

This post has been edited by rac7788: Jan 8 2017, 10:46 PM

while waiting for an agent....you may want to read this ...it did state the premium...
http://www.publicmutual.com.my/LinkClick.a...et=HJ3tj6KZoXw=

btw, the holder must maintain a certain invested amount with PM to be continuously eligible for premium renewal.

I may be wrong, but, I think, that agent will need to get the document signed in your dad present.....
(he also need to at least confirm the existence of the would be policy holder)

good luck waiting for one,....
else if you cannot wait,...try call up PM customer service and have them sent an agent to you if possible.

This post has been edited by T231H: Jan 8 2017, 11:06 PM

Guys, how long does it take to cash out a Public Mutual Fund? Say, I put in a request to take out the fund tomorrow morning. But when does it get deposited into my bank account?

I don't have answer to your question But just in case if you didn't read the previous discussion on this thread, see the quoted comment above on how to save SC on FSM if you redeem from Pub Mut to buy funds on FSM

Its FOC if you plan it right

Hi glad if I can get help from here, I plan to sale off all my public mutual funds that I bought from a public fund manager , but I cannot get hold of him now, what should I do?

Can I report to public mutual and go to public bank or public mutual head office to sale off these funds myself without going thru the fund manager

Thanks for the help

Public Mutual launches Public Navigator Growth Fund

- targets to achieve 8% annualised returns over the long term
- Up to 98% of the fund’s NAV will be invested in equities or fixed income securities.
- Invest in Local markets, also in global markets such as the US and Europe as well as regional markets in Asia Pacific.
- minimum initial investment for the Fund is RM1,000 and the minimum additional investment is RM100.

http://www.thestar.com.my/business/busines...or-growth-fund/

so the Public Navigator Growth Fund is the global version of Public Tactical Allocation Fund?

Tactical Allocation fund is a balanced fund, its equity allocation has a floor of 30% to a ceiling of 98%, and its benchmark is 70% MSCI AC Far-East Ex-Japan Index and 30% 3-Month KLIBOR.

This new fund can swing from 98% equity to 98% fixed income securities, and its benchmark seems to be an "average growth rate of 8% per annum over the long-term period".

It has a very wide investment mandate where the fund manager can do anything, open to invest in a long list of countries, and even "consider investments in unlisted equities particularly in companies that are expected to seek listing on Bursa Securities or selected foreign markets within a timeframe of two years."

More details can be found in its prospectus: http://www.publicmutual.com.my/LinkClick.a...7k%3d&tabid=749

"The asset allocation, liquidity management, diversification and hedging strategies employed are therefore central to the efforts to manage the risks posed to the Fund. Depending on the market outlook, the Fund has the flexibility to rebalance its asset allocation between the different asset classes accordingly. However, should the Fund Manager judge market conditions incorrectly or apply an unsuitable investment strategy, the performance of the Fund may be adversely affected."

This post has been edited by j.passing.by: Jan 10 2017, 08:53 AM

fund not moving much despite putting there for over many years
even distribution unit doesn't really add value to your portfolio

imagine missing out the 6% EPF dividend average annually

so have make a request to move back fund to EPF online yesterday morning

Can anyone tell me, how long will the whole process take before i can see money inside my EPF account?

This post has been edited by MakNok: Jan 10 2017, 10:58 AM

Redemption, whether EPF or otherwise, is usually 2 to 4 working days.

The nav price is still based on the day it was redeemed, the total amount can be calculated the next day after the price is known.