Well, FSM has RSP option which is dollar averaging and  takes away the emotional and time constraint.

like I mention in the previous post. Even if I disregard the sales charge difference, the returns is the killer. On your point of risk return and investor risk appetite, please feel free to highlight any PM fund within different segment that performed better than non-PM funds. I tried really hard to look and failed. 

And why do I keep harping on it? I think the sales force should bring this feedback back to public mutual that they need to buck up and deal with the root cause that resulted in lackluster results. Otherwise investors will get smarter and the agent's job will be increasingly difficult to do.

To be honest, I do actively tell friends how public mutual is no longer an ideal place to put their money with. Just as how I tell friends to stay away from scams. N sure, they can always use agent if they don't want to DIY. Just don't buy PM funds. There r agents distributing funds from various fund house ma.

In reply to this comment, I have to agree with you 5.5% is too high to invest in regardless >5 years or <5 years. If we are looking at the long term horizon in respect to investing in PM's equity, we are hoping (or praying) that the distribution will cover these service charges without us feeling the pinch.

I would never want to invest in PM's equity as long as the charges remains. Unless, they charge 1-2% at most for the equities.

http://www.publicmutual.com.my/FPServices/Insurance.aspx

Conventional

Public Far-East Balanced Fund
Public Tactical Allocation Fund
Public Balanced Fund
PB Balanced Fund
PB Balanced Sequel Fund
PB Asia Real Estate Income Fund
Public e-Cash Deposit Fund
Syariah-based

Public Islamic Mixed Asset Fund
Public Islamic Asia Tactical Allocation Fund
Public Ittikal Fund
Public Ittikal Sequel Fund
Public e-Islamic Cash Deposit Fund

In an era where freedom of information is welcomed, Pub-Mut seems to regress back to dinosaur age, that is to say, keeping its info under tight wrap and only for its exclusive clientele. Its like buying Blackmore's Vit C from Watson versus buying GNC Vit C at its exclusive GNC shop. Both are still Vit C but there will be some consumers who will have that perception that GNC Vit C will be better.

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