Is it wise to have most of your money to invest in mutual fund?

NEW FUND LAUNCHING!

PUBLIC SOUTH-EAST ASIA SELECT FUND

Agressive Risk

Distribution ~ Incidental

Investing in selected markets in SEA. ASEAN country is one of the fastest growing region in the world. With an average GDP growth of 9.0% p.a. and combine population of 573 million.

Promotional Service Charge (during launching period)- 5.45%

Price at RM 0.2500 NAV

Launching Period - 2nd Oct ~ 22 Oct 2007

Direct Debit Campaign - Promo Service Charge of 5.45% for DDI made during launch period.

Bench mark Total Return - 3 years (83.9%) ; 5 years (155.7%)

Fund Size RM375Million, 1.5 billion units
PM me if you wish to know more about this fund 

Diversify ma. Put a bit outside of Msia, a bit in bonds, a bit of cash/FD depends on your risk profile.

Investment Portfolio: FD = 46.34%, PFES = 12.25%, PAIF = 14.51%, PFEPRF = 8.5% , PSBF = 18.40%

It doesnt matter what px you bought...
what really matters is the px you sold !! 

Thanks for the reply, I do diversify my investment to stocks, FD, foreign FD, mutual funds, ASW and investment link funds ... since there are so many attractive, new and cheap mutual funds coming up every few months, im thnking whether i should buy more ... feeling my savings are getting lesser cause thrown most of my money into investment ...

dear all,

I've been thinking of switching 18k unit of PAIF to PISBF (already reach my target, so want to lock profit). AFAIK, i will be charge RM25. Let say, after the switching i want to switch back the 18k unit from PISBF to PAIF, I will be charge RM25 rite? Is there any other fee? Still blur2.

Thanks for replying

Meaning that, if I switch RM 5k worth of NAV from PAIF to PISBF i need to pay RM 25 and when I switch back RM 5k worth of NAV from PISBF to PAIF its free? Sorry coz asking so many question. Need to be clear in this.

wait.. it's not free for switching to and fro..
remember.. you'll still have to fork out the $25 ticket each time you hop onto the switching bus..

so "free" is only on the perspective of sales commission/charges.

if only you manage to accumulate to a mutual gold status.. then each switching bus ride is free (for now)

are you absolutely sure? (it's a rapid kl style..? round trip ticket?).. i'd like to confirm that the next time i make a call to pmutual.. (did you find out from the officially?)

Here are the switching fees incur for different transactions:

1) FROM Equity/Balanced fund

    TO --> Equity/Balanced (At NAV + RM25)
    TO --> Bond Funds (At NAV + RM25)
    TO --> Money Market Fund (At NAV)

2) FROM Bond/MMF - with Loaded Units (units that incurred service charge of 5% or more during initial purchase)

    TO --> Equity/Balanced (At NAV + RM25)
    TO --> Bond Funds (At NAV + RM25)
    TO --> Money Market Fund (At NAV)

3) From Bond/MMF - with Low-load units (units that incurred service charge of 0.25% or less during initial purchase)

    TO --> Equity/Balanced (At NAV + Service Charge)
    TO --> Bond Funds (At NAV + RM25)
    TO --> Money Market Fund (At NAV)
I hope this can help u guys clear up a bit of the confusion 

So only 2 types of switching will not incur RM25,
1st one is swicthing to MMF
2nd is Low load units fr Bond/MMF to Equity/balanced; but have to pay service charge of 6.5%

If you are Mutual Gold, switching is free (i.e. at NAV)

no,i ask this question because  i just plan wana buy the new fund that is aggresive, so if i buy now and put it as my saving fund without switch or top up any money in future and also keep it for 3 year , means till year 2010..is it risky?or i shud buy low risk or moderate risk fund as saving fund?

thanks for u ll replies..appreciate u all advice...

REALLY 1000X thanks for your advice...
u are correct, i also wonder the market now is good and duno how high it can performs, who knows after it perform well, then will suddenly drop ...this is what i worry..

so is it good i buy the new fund that launch by PM now or only top up to my current PFEPRF ? Or act as you, saving up bullet and top up and buy a new fund for next correction?
hope to get ur advice..

p/s:now index already above 1300 lo..means u stop invest dy?

It depends on how big is apetite. One investment style might not suit another. dzi921 is more to short term profit reaper.

Yes, everyone wants to maximize profit in shortest time possible. Just wondering what is your return so far, using your method. Has it been stressful?

I would like to seek advice on Public Bank Growth Fund. According to my friend, we can just walk in to any Public bank to buy this fund.
Can anyone here advice me on the procedure of buying the fund in little detail?
Thank you

Can I go straight to their office instead (eg the one in Bangsar or Damansara?) ?

You need to take a qualifying exam for that. The exam isn't cheap too.