Yes there will be charges.

1 sen, on the best effort hope another one on november

On top of that keep you in the loop of current news
Make decision together
Make sure you see me at least 1 to 2 times a year to share with you what is happening to your portfolio.

This is what I do for all my client day in day out, Even Just Invest with m RM1000

opening up, i am a agent public mutual, but i do very much different from other agent they are doing.
first thing first in public mutual those fund manager are very conservative, to add on depend which fund are you buying.

ask back your agent should I go for 100% equity? they will tell you unit accumulation , this and that. ended up epf 3% service charge or 5.5 % service charge. like this sure die very fast for the investor and make the unit trust consultant happy only.

for me most of the time i am doing a range 70% in bond which up to date giving around 5.15% from jan to August, then 30% equity. with this I am very comfortable my client will able to cover their service charge very fast. which good amount of bullet when come to a roller coaster ride.
type of equity i love most now is mix assets, up to jan to august giving about 7% but for cash only. inside the mix assets has about 50+% in bond and the rest you guess. consistence return from last year about 11%

normal, is educated around the agency, non would want to use asset allocation

correct loh, whoch agent want to have double work, keep want to find money ma....

i am really sorry to hear that, if have chance contact me, i make sure you get better then fd at the end of the day. but i guess you had lost confident.

well i have a lot of big client who dont mind to loose about 1 to 2 % year from epf, they are waiting for opportunity while they transfer from their epf to unit trust in bond , of of small percentage of equity. market we cannot predict, but we can take precaution

i know is a bit boring recently in here, 70% i place in PIINFBF at the moment is around 5+% up to date. i notice this fund since Jan and moving great in may. 30% can be either small cap or big cap. it will not really going to hurt the portfolio (EPF), but for cash i am going after PSMACF were doing 11% last year notice this fund around feb, this fund has 28% equity, 58% in bond and balance MM. earlier when i saw PEsMAGF this fund were doing 18% last year, this year were not doing well.
my fund generally help me to stay up positive after a few month due to the bond. ( my main thing is to keep bullet, when market in fear I will enter around 10-15% of your bond money)

to be true (i broke omy own rice bow) bond fund in RHB consistence giving about 7% annually return.

I had been with public mutual in 2013, but when looking at my earlier batch client loosing money already got slap on my face. looking for solution for them and new client. but now i got slap by my manager who i doing this.
but well i make sure my client make money first.

by default if you opt of dividend pay out, you require to request 2 weeks before the dividend pay out. if for public bank account latest by 4th of the following month, for other bank 1 to 2 days after public bank for cheque clearance.

yes is call distribution, but for layman dividend

yes there is small amount of discount.
via online 5.25
via cheque is 5.5

yes there is many agent outside Hit and Run, I had been picking up many investor who agent already fly away.

Agent only have 2 road to go, insufficient income resign or they can survive by support of their client along the way.

Just remember I do asset allocation is of the strategy that i do for my client, which most my client make some profit after a short duration of time. I am planing for them for 10 years ahead.
who wish to get help on public mutual due to agent MIA/ or unsatisfied with service or even second opinion. just pm me.

is it under "re-purchase"?? re-purchase is selling?

[/quote]

i believe that you just register yourself online, you need to wait till 1 month the function will be there for you, same goes to switching

[quote=j.passing.by,Oct 13 2017, 06:31 PM]
You may have been misinformed... since I don't encountered such thing. Not logical to build a system that lock out some functions available to the user, and without any information given in its guide on "how to register" .

Recently, PMO has another new service, where the "view only" service is added.

Maybe someone registered the view-only service and then later change to the full service where all the transactions like switching from one fund to another, purchasing and repurchasing can be performed.
If you have easy access to a Public Mutual branch office, then it is easy.
Otherwise, use their Online service to withdraw or sell back to Public Mutual.
[u]

is recent memo that come. you only allowed to do full service pmo after 1 month time, which i had already and experience more then 20 times recently. and was inform by customer service.

i would encourage to apply for future cost saving purpose

instate of repurchase why don't do switching other funds?
my client who is on that pidf and other local fund has switch out to their fund had make them better return.
other then that , wait awhile market is running since you have paid for the service charge

for me it really depend. but as i see malaysia fund some how a bit very slow, compare to oversea fund for this year had give reasonable like more then 10%

this depending on your consultant how it doing for you. mine from losing about 15% for 1 year to gain about 8% this year alone.

market opportunity China , has some space to grow compare to local fund. EPf allowed to do oversea fund.

I also have client who is local fund reluctant to switch fund, then can't do anything. if would some an average about 1% in a month


if compare to switching fee RM25 is almost nothing, if not willing to pay, then go back EPF is a good choice.

Some bull market coming in next year in china.

For me as a consultant for my client, I will not do what your consultant do. Which a lot of public mutual consultant do sell to you ask you to wait long term. Less job, less time spend in each customer. More money earn by consultant.

My client mostly are taking certain advantage compare during different time. Last year even some pm bond fund are doing better then equity which mostly my client are there. Till around November start to go to USA related fund to tab for opportunities

Is up to you, if you thing is not good, you could always repurchase. Because each of my client i will always advise them on service charge. This hurt the investor return in certain ways.
No one will like GOD know what happen. If I do I will borrow maximum amount money to do myself what should I still help other to manage

what fund did you buy?


unit trust has a few method to buy, and for me i does a little timing on the market.

In my opinion just put into 1 bond fund, only when there is opportunity then take about 30% to grow it. Bond will have negative yield after a long term when market turn to opportunity due to inside the demand and supply in market. But average up still stay around Close to 5% plus a little bit.

actually, you may not find the right person to help you lessen your burden, for me i had left the market mostly in money market, because already know the situation, on top of that the market is just starting to come down awhile.

but why I switch to the money market why not bond, the reason is simple, the overall market for a bond not very favorable, and our Malaysia bond market had been rate to B bond, so much selling pressure too. my client always make more than me,

Always do portfolio management , and portfolio allocation to maximize return and reduce risk.

remember you need to have 3 things and must be very clear, your strategy, your risk management, and your discipline all are combined in a triangle shape