QUOTE(iamwilliamcwl @ Aug 17 2018, 12:01 PM)
Yes it is normal, this 3 fund are investing in Malaysia (2 are local funds)
I believe one of the reason you are losing are because of the recent election & change of government, cause a lot of uncertainty made a lot foreign investor pull out from the market but worry not I believe our economic will be better with the new government

QUOTE(MUM @ Aug 17 2018, 12:54 PM)
Regarding your question......yes...it is normal during bad markets environment n also depends on the funds you selected.
Bear in mind that for every year the fund not making at least 6.5% pa....the fund would not beable to recover the accumulated opportunity cost lost of epf rate.
Btw...there are just a handful of epf approved funds that can beat the annualised epf rate consistently....thus select well
QUOTE(markedestiny @ Aug 17 2018, 02:06 PM)
In times where the market is volatile, it is best stay put with the monies on your epf. Now its too late as the funds have been invested and you just have to leave them alone. If you want, you can compare these against these amount of monies you have invested against EPF declared dividend next year to judge for yourself.
You can minimise your invested amount by 1)careful selection of funds coupled with 2)spreading the amount into smaller investment sums via DCA on quarterly basis perhaps rather than one big lump sum. By DCA, you could have average out the ups and downs of the market.
Two of your biggest funds happened to be high volatility in risk level i.e. Public Asia Ittikal and Public Asia Dividend, with foreign exposure of up to 98%
On the other hand, Public Ittikal Sequel which has moderate volatility risk level with only up to 30% foreign exposure, which is more reasonable selection in times of market uncertanities is only less than RM20K. You could have increase the amount here rather than too much of the two funds above.
Thanks guys for the advise and clarifcation... appreciate it...