lols, im 28 yrs old now, entering 30 soon dont dare to say im young anymore 😂 but yea, money is mine and investment is mine also, my mum is like my financial manager lo.

Ok, so meaning that if I dont plan to use the money in short term, i can just put most of it in equity fund? I checked pmo shows still need around 64k to reach mutual gold, if not gold then not recommended to switch? or wait 90 days only switch?

if not monthly contribute, more like every 6 months or annually contribute, will it affect the earning alot?

currently holding PB Asean Dividend(approx 25k) and Public Islamic Bond(approx 21k) only, 40k cash on hand still deciding on which fund to invest ><

I got PMMF and PIMMF before, both are still the same that is based on FD rates somehow. Don't use it to "grow your money", its main purpose is for you to flee to safety if there's a bear market like 2008 subprime crisis.

I got PMMF and PIMMF before, both are still the same that is based on FD rates somehow. Don't use it to "grow your money", its main purpose is for you to flee to safety if there's a bear market like 2008 subprime crisis.