120,000 Mutual Gold Qualifying Points... 

yeah, going to transfer back to EPF account, find a day leave and go PM office to do so. 

Is it simple and is there fees ? Considering to transfer all my funds back to EPF. PSF and PRSF been lower than EPF past 4 years.

instate of repurchase why don't do switching other funds?
my client who is on that pidf and other local fund has switch out to their fund had make them better return.
other then that , wait awhile market is running since you have paid for the service charge

I had been with Public Mutual since 1997 till this year So you can imagine how many years I had invested and same time looking at the returns for the recent years, it's not up to my expectations.

Thanks - though I might dislike KWSP, it is still better than mutual funds especially from Public Mutual.

Btw, there's no such thing as dividend from Public Mutual, it's distribution, which means whatever declared is whatever was earned. You get back more in terms of units, but you don't earn that 3%.

if a fund does not declare dividend, then cannot offset the sales charge ....
then a fund that declares dividend, should be better than those that did not gives out dividend??
what is the different between a dividend from stocks (stock market) and a dividend distribution from Unit trust?
 
 

Agreed totally on the buy low sell high concept. The problem as always with unit trust is that we don't get to control over the price we want to sell, nor sell.
And, we do not know when is the 'low' in reality of the market.
Another thing that I couldn't agree with Public Mutual is the high service charges of 5.5% for personal / 3% for KWSP equity. Too high as compared to stocks.

I would not say Unit trust as a whole is a bad thing but this is not my game for now, at least with Public Mutual.

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.

I disagree, for short term yes it might not worth it but for long term you'll get more return than what you get keeping your money in the epf (if you are willing to take the risk la)

Let's assume you have 100k

epf give you average 6% return and unit trust give you average 8% return

if you have the 100k in epf for 10 years with 6% return, your future value would be 179,084.77

but if you have 100k minus 3% sales charge = 97k in unit trust for 10 years with 8% return, your future value would be 209,415.72

there is total 30,330.95 different,

in the end it's all about your time horizon and risk appetite

10 years (30,330.95 different)

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20 years (131,399.29 different)

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how long have you invest?

since last year end of july managed to open acc for asm, as1m and asw, and continuous top up until now, as of today i got dividend 500++. whereas invest in pm fund for almost 5 years, as of today my total profit still -400++

this is by cash, not epf. i only can withdraw it once reach the break even and invest on asnb

no lo... i did ddi for every month at the first 3 years, but since last year i stop ddi anymore coz the fund really not that good performance. but the fact is today i still rugi 400++ 

They have a lot of funds.... You do know right?