how much have you invested to be able to lose RM6k?

invested 74k now is 68K losing 6k
that is about 8.1% if MINUS 5.5% SC....loses is about 2.6%?

Sales charge for EPF is 3%.....
past 7 yrs doing periodic reinvestment....
with minus 8% ROI......It will be a tough nut to beat if were to includes the cumulation of the yearly 6% opportunity cost
may I suggest you stop the reinvestment but invest into some other fund or just stop taking out the money from EPF to earn 6%

btw, did you do the calculation of profit/losses by yourself?

I am not sure about the display from KWSP....
you mentioned total about 74K...here it shows 107K
wondering why??

...if you have opened a PMOnline registration....goto PMO website to login and check the status?

so that 6k losses is/maybe most probably from that few other funds too (Public Global, etc, etc funds)?

The fund mandate is too inflexible, and fund value has not gone up since 2013.

Terrible fund. Yes, dump.

I think it is very unlikely it will go up in the next few years, and it is most likely that it will not go up more than EPF.

If you look at the performance chart, it is now at the same profit level since 2013. In other words, no profit since 2013. With EPF, you would got 6years x6% = 36% since then. You would have done better with even FD. To be fair, the mandate is too narrow.

PM funds are under-performing with over-priced service charge so they can pay the agents to go and con persuade un-suspecting investors.

A cut-loss decision should not be based on how much you have already lost, but on future potential. If no potential, your loss would be even higher because you need to also consider opportunity costs.

That's only my opinion, of course. What you actually do with your money, you have to decide.

Haha a lot agent say buy now lower price

Scary scenario

usually I heard was to keep on pumping into the losing fund to lower the earlier purchased average cost
so now not to average the cost but to buy another EQ fund...that is why you had 4 funds....
could you tell which other 3 funds you had?
Hopefully they are not correlated....

https://ringgitplus.com/en/blog/personal-fi...dend-rates.html
pass year EPF dividend
2014 =6.75
2015 =6.4
2016 =5.7
2017 =6.9
2018 =6.15
2019 =5.45

i did a simple calculation , if u left in EPF, should b around RM215818 u get 

salah jgn tembak saya, saya bukan pro punya.....just simple mathematic aje.....should b more than this value.....
i would said better just left in EPF.......