If the UTC has been doing his job, this UTF participant would not have required to come to a forum and ask what fund to keep and what fund to sell.....

What diff is this compared to a DIY method?

Oh wait... there is the difference in sales charge.     

Xuzen

Since I'm the PM hater here, let me be the bad guy la

Yes, I've been advocating for my friends to sell especially with EPF withdrawal since EPF pays better dividends

But being a responsible forumer, I'd also advise to
1. Consider switching to better performance funds (as far as I know the 2 funds giving >7% 5-year annualised returns is Small Cap fund and Islamic Opportunities, but I think they are not available for purchase at the moment)
2. Give your agent a chance to make it up to you for the money lost over the years
3. After you sell the PM funds, consider to use FSM to buy funds from other asset management companies that earn you up to 25% per annum on a 5 year annualised basis 
Give la constructive feedback, boss

The constructive feedback is to ask that forum member to CALL and TEMBAK his agent instead of ranting here.

Same thing applies to people who refuses to call his bank customer service officer but ask questions here.

Hope you don't mind that I deleted the list of funds that you were having - seems like glaring and dazzling my eyes too much. 

Giving the returns on each fund does not tell us anything on the fund performance. It is only telling us how is the investor's returns since the time you bought them.

To know which fund is better - we will have to look deeper into more info and past history of the funds, unless we were intimate with the funds and can readily regurgitate out the facts.

This research you can do on your own by using this online performance chart - http://www.publicmutual.com.my/application...formancenw.aspx

You will also have to bear in mind that not all the funds available are inside the EPF-approved scheme if you are screening which funds to add.

I am not too sure that EPF can do better every year... some of the bond funds are 'hot' this year and expected to grow about 6 to 9%.

FYI, I had started an EPF portfolio of funds about 3 years ago - just to test how I would perform... the portfolio's current ROI is about 14% and its IRR is about 3.5%. Mind you, this is inclusive of the upfront 3% service charge, so the portfolio is pretty decent compared to EPF's 3-yr rate of 6.5%. Will I improved the portfolio's returns - who knows? This is what 'investment' and taking risk is all about...

Cheers.

Those are the fund allocation percentage in his portfolio