litteracy or awarness to do online.

When PM has agent all place kampung or small town.

U need to go thru public mutual learning center.

http://www.publicmutual.com.my/Resources/U...ustLessons.aspx

Juz brief Equity Fund = fund mainly that in stock
Bond Fund = fund mainly in BOND

What is BOND and Equity try google.

This post has been edited by felixmask: Jun 26 2015, 11:46 AM

mine 2sen
1) must get agent that really can share you information; how the fund performance in the past, and what the fund invested.
Some agent have such information.
But Agent also not GOD; they cant predict the future which one better for customer ; UT also can loose money if dont understand well.

thru Bank - may deal different ppl handle your request ; need to go bank to do and follow bank time
Bank staff - also need knowledge of the fund.

2) Yes their service charge higher u need to find Fund House which is cheaper. Im not sure the bank sale charge - but i know BANK sometime come promotion for higher FD rate need to invest certain amount allocated in UT.

3) Best is diversify - but understand what the fund invested ; like geographical area; type of fund; the strategic/objective fund invested.
Like different fund but focus on CHINA only; then this not diversify. Equirty or growth or income; or bond type.


4) Up to you how u want to monitor - ur spirit good can monitor everyday after awhile lazy to see the movement very slow.
When start to topup u may want to decide which one to invest- every month want to toup sure u want to see the monthly fund performance

5) UT dont give divident but distribution - Dividend in stock is very wide - some dividend are special dividen; dividend from their cash flow; dividend % promise to given; cycle dividend ; dividend yield, substainibility divident, divident ex date etc...


U can go thru the stock exchange to read.

5.5%

UT MOSLTY single -Tier..once you receive the distribution automaticall will deduct the tax..therefore u dont need to do anyting.
SUmmary you get nett amount after deduct frm gov tax.

only distribution has Tax.

While withdraw...dont have.

Im not sure GST,


Mine UT is for long term ...

Good you ask question..but you need do more homework.

UT is not a guarantee you can gain profit there involve of risk.

UT have 3 type of fund category : equity , balance and bond.

You can find this at 101 Basic Unit Trust.

If you want seminar you can go PM UT product launching..

Or you can go PRS they organize every month of PRS seminar which include basic understanding UT. Repeat every month..good for beginner. Food provide also 1/2 day talk at Securities Commissioner. Not everyday ppl can walk inside.

They are professional and certified trainer in financial institution .
www.ppa.my/ppa/information-centre/seminars-events/2015-5/

You ask here, you can't see all the big picture.


Or someone from PM agent will contact you to explain for you.
.

This post has been edited by felixmask: Aug 3 2015, 12:18 AM

fimm basic infor on UT Malaysia and UT exam. Otherwise Google plenty on infor on UT.


https://www.fimm.com.my/resources/publicati...-and-brochures/

I'm searching the fund annual report. Anybody know?

What is access code?

I have other fund. I'm searching public ittikal fund.

Mine agent is sleeping agent.

Want to see average price the fund bought the stock.

Tq. Pls share how to download fund annual report.

I'm able to find qtr report. How about annual report

Tq very much. you helping in my research.