I invest in PM via EPF since 8 years back. 1st quarter of this year I noticed a drop in overall investment portfolio. Agent said nothing to worry about, UT is for long term investment. I have not checked for update since then but just reading here, I can see PM is not doing well. I have not top up since 2 years ago cos my Account 1 amt is no longer enough to deduct. So my portfolio has pretty much been left alone with no activities whatsoever since then. Should I sell off all my portfolio and return the $ to EPF?

I have several portfolio. Last year all increase in IRR but early this year I saw a drop in a couple of them. Need to check with my agent again on the latest report. Over the years I do make profit though amount is not as high as I would like it to be. I am just wondering if I should risk maintaining it or selling it off and just relying n EPF dividend rate.

What is your opinion on this scenario...Total NAV - RM124K (combo of 8 portfolio ranging from 6%-60% return over a course of 8 years). Total Return to date is RM40k, down from RM46k in Dec.

Is this consider reasonably ok or should I consider putting a plug on PM and let the $ stay in EPF, considering that there was no new top up since 2014? Please advise. My agent as usual tells me unit trust is for the long term.

This post has been edited by honkkydorry: Sep 9 2016, 05:46 PM

May I know whether investment of approx. 10 years yield roughly 40k, done mainly thru EPF considered okay or too slow? The top up has stopped for several years though I think my agent is still doing switching at one point or another. Should I sell them off and return the money into EPF account?

This post has been edited by honkkydorry: Jan 4 2019, 01:17 PM

You mean take the Simple Return % and divide by number of Years invested? Sorry noob here.