I'm not saying that people should stick ONLY with PM, don't get me wrong bro..
I believe non of my posts asked people not to choose other fund managers but only PM..
I'm just saying through what other forumers and I have experienced with PM funds, not just by rumours..
I'm just asking him for clarification, since he's saying he's not getting satisfactory returns..
If what he says is really true, then I could learn something too right..?
Cheers bro..

Based on what I can see, if you invested anytime between 02-Jan-03 and 02-Jan-04 until 18-Oct-07, your average profit should be at least 95.80% (annualised 23.95%)..
How come you're saying that you have only profited about 56%..?
I don't quite understand, unless PM did something on the charts to make their funds look better..
Even by looking at Lipper, you'll see these funds growing more than 50% on average for the last 3 years..
Have you still been keeping these funds, or did you redeem early..?
I'm not to say that you're wrong, but did you miss out something in your calculation..?
Did you include the distributions/splits by these funds (they have announced a few distributions already)..

It's better to check the returns from their systems..
It includes all the profits from distributions/splits, thus more accurate..
Distributions will greatly affect the prices of funds, especially for you who have invested for so long..
Hope you get your reply soon and you can share with us the results..

I think you can request for a reprint of your statements, but need to pay..
It's going to be hell if you have not been doing proper portfolio management for these 4 years, but it's still manageable if you spend some time on it..

For me, I prefer DIY, even for UT which is managed by fund managers..
We need to make our own decisions so we will not blame anyone when it goes wrong..
If we let our agents do it, we might blame them if things go wrong..

Yes, I'll be doing my switching just to be safe..

Correction needs to be made..
It's 7am to 12 midnight (not pm)..
But the orders can only be processed the next working day/hour..

There's no need to wait for 21 days to make another switch..
Switching only takes 2-3 days to be processed, so after the details have gone through, you can switch provided you have valid reasons..
I've just checked with the GM of my branch..

Can use telemutual, but if the office feels suspicious about your switching, they might call you and your agent for verification..
If your reason is invalid, then you might get banned from switching in the future..
If for normal switch to lock in profits, it's ok..

For funds with less than 10k, not worth it to do switching at all..
Even if well executed, the profit is only very minimal, so no point to take all the trouble..
Let it grow by itself is the best..

So what is the "required amount" now, if it's not the usual RM50k?
For the example that they have given, they stated that the required amount is RM9k only?
A little confused when they don't elaborate more.

The funds that you want to invest in will have to get EPF's approval..
No foreign funds as of now because the risk is high..

Thank you b00n for your information..
Pleas keep us updated ok..?

Yes, the minimum amount to have in your Account 1 is RM9000 at 25 years old, to be eligible to invest using your EPF money.. It's way better than the previous RM50k minimum amount..
So, this would be viewed positive by many young high paid investors..

None..
Please do take note that the RM9k is the minimum amount you'll need to have in your Account 1..
You can only invest using your Account 1 funds in excess of RM9k up to a maximum of 20%, ie if you have RM15k in your Account 1, and you're 25, you're able to invest 0.2(RM15k-RM9k)=RM1.2k..
Due to the regulation on UT (minimum investment of RM1k is required for new accounts), you can only start investing your EPF money into UT if you have RM14k..

Even so, I think not all local funds are approved..
That is the disadvantage of EPF investment..

A little bit I would add on to this statement.
The Cash and EPF option is only available during the First Day of launching.
If these funds are approved by EPF, then the subsequent days will be EPF Only.
Please take note on this

Hmm, CIMB is very famous with launching capital guaranteed funds.
So, nothing new there, because most of them are the same

Well, personally I don't believe in these articles being published by the fund managers themselves.
I would rather take my cue from third parties when choosing my funds, like Lipper and S&P.
They have shown their professionalism in the unit trust industry.

What about equity?
Personally, I can't find any other long term investment that is better than funds and equity.

As far as I know, ING did offer its REIT fund during beginning of the year.
I think the fund has been closed now because it was sold out.
Other REITs you can get from the open market.

Other companies are also good, in terms that they are coming up with their funds. But in terms of diversification, I still say PM. I don't see many companies with many funds
Another good one you could consider is CMS Premier, which has been top for the past year. But don't ask me how to look for their agent, I have not seen any from that company