Okay thank you guys for the info. Hehe yeah i still buy. The last i bought was back in March when the economy went downhill. I bought at a very low price. Most of the fund price right now has tremendously increased. I am planning to open a fresh fund which is still low in price and on recovery mode. So far i noticed public indonesia select fund as an example. My idea is to buy funds like this and went the price go up to redeem it.

Hi everyone!

In case there's anybody here need new UTC (Public Mutual) or want to invest but dunno how, feel free to contact me.

Especially those who want to invest via EP£ acc 1, service charge are heavily discounted until April 2021.

Starting this May 2020, investment via EP£ acc 1 will only charged 1.5%, compared to 3% previously.

The only thing I can promise to my client is, you will never regret to have me as your servicing UTC.

😊😊😊

then do full redemption - willit be cheaper than switching?
then again use EPF to reinvest on the fund u wanted
does it work that way?

i am very sure if u decide to swtich it will swtich for 3 months or more
anyway i am still very new so dare not comment much

i want to share my unit trust experience, not public bank but with CIMB which i think everyone should know and be aware
i start put into unit trust at 2015 and i waiting exactly 5 years or more to provide this review

my conclusion is unit trust is only fund manager make money (short version)

ok here comes the long version
so 5 years ago May 2015 i go meet up with an agent and open account, sign some form, do some thumb print and only invested RM10,000 from my EPF.

I buy into Fund Principal Titans Growth & Income Fund (one of the hot hot fund that time)


Now after 5 years my hard earn RM10,000 only got a total of 13.50% profit

Then i ask myself why only 13.50% of profit since every year annual report show earn money most of the time except for 1 of the year where it is -10%
Below chart show from May when i buy in till now in July



If 5 years ago i did not make such decision to put money into unit trust, you know how much the RM10,000 will become?
The answer is RM13457.39 which is a 34% profit instead of now 13.5% profit



So i further investigate and dig deeper with FSM tool and the tool say i should earn around 16.5% so where the 3% go to?


Here is the answer, last time 5 years ago invest with EPF they will charge sales fee of around 3% so 16.5% - 3% become 13.5%
Again all this is just estimate

My conclusion is we take our money to let fund manager earn more money than we do
only invest in UT if u have a good and reliable agent who can help u to manage

I thought fsm is 0.5% cash scheme?
I know epf is zero

when you can withdraw that time gonna be really nice
100k and over nice
you take everything out from EPF to put into investment?

Thanks for sharing your experince in investing into unit trusts using the EPF app and purchasing of funds using EPF i-invest. Very much appreciated. Please continue posting and sharing your personal investments into ut funds.

When EPF launched its i-invest in August 2019, I have anticipated that it will compete with other agents and will pull business away to i-invest. Since it is within EPF and linked to its internal system, it will immediately show the available amount without needing any manual calculation on the excess money above the basic savings table in EPF Account 1.

Every eligible funds from all fund houses approved by EPF can be bought there, and at the same low sales charge of up to 0.5%.

Due to the covid-19 pandemic and to boost the economy, the sales charge is reduced to 0% effective from 1.05.2020 to 30.04.2021.

Older investors like me don't have this option when we were younger.

Good good grow your retirement fund
Else later don't have enough as now eve with RM1.0M retirement fund also not enough

To register my phone number in order to create PMO account, I still need to go to Public Mutual branch?

Can do by calling customer service or from the website?

Hey guys, just a quick to PM sifus here.
I have been investing my EPF $$ for about 5-7years now (some funds are 7 years old, some are 5). The agent is very much helpful and we did some switching last year due to low performing fund called Public Index Fund.

Below is my return.



So basically I invested RM 150,231 and got back RM23,842 profit.

My question is, would it have been better if I just left it in EPF?

How can I calculate how much I would have gotten if I left it in EPF?

Thank you for the calculation.
May I know how you did the calculation.

It's not like 1 day 7 years ago I deposited RN150k into PB. It was a gradual deposit according to how much EPF allows us. I remember when I started I was only depositing around 2 to 3k every 3 months.

As time goes as my salary increases I deposit around 8k every 3 months (epf only allows certain amount of % to be moved to Unit trust every 3 months)

China???

But when taken into account the sharp gains in the first two weeks of Jan., it is still positive for the month.

So, it depends on the individual's portfolio too.

And even taking into account the markets movement yesterday, which is yet reflected into the nav/unit prices (due to yesterday's holiday), my port would still be positive for the month.

Overall, HSI, HSCI (hang seng china enterprises), KOSPI, Taiwan index, and Shanghai index are still positive for the month.

If to add more equities into the port, maybe just a bit, 1%... maybe next week before most China funds close for CNY holidays.

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Vietnam stock index: up 4%.  :thumbsup: