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 Fund Investment Corner, Please share anything about Fund.

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dzi921
post Aug 8 2007, 08:52 PM

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user posted image

I topup PRSF today when it is green sad.gif
dzi921
post Aug 9 2007, 10:36 AM

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QUOTE(leekk8 @ Aug 9 2007, 10:28 AM)
Actually, there is no difference. The low price is to attract more investors. A new fund with NAV RM0.25 and NAV RM0.50, actually are same.

When invest, don't look at the price. Look at the investment policy and strategies, are them suitable for you or not. Invest based on your risk appetite but not purely looking at the price.
*
That is what I think so too, but my agent tries to brain wash me whenever there is a new fund, saying it is cheap. Worth the buy, where the fact it is actually the same

The agent also say, new fund will not drop so much compared to old fund. I have to disagree. Take PCSF as example
dzi921
post Aug 10 2007, 12:24 PM

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Today should be red, so I took a shot and topup PRSF again
dzi921
post Aug 10 2007, 02:33 PM

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QUOTE(shih @ Aug 10 2007, 02:18 PM)
How much you top up in one time? You have been topping up alot since the subprime woe.
You earn a lot kah?
*
I have been saving bullets since April flex.gif

How much? I'm aiming gold mutual by year end
dzi921
post Aug 10 2007, 02:42 PM

I'm broke and poor
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QUOTE(shih @ Aug 10 2007, 02:37 PM)
I dont care how much bullet you have. I just curious about how much you top up each time only.
*
RM3k per shot. Left 4 more

This post has been edited by dzi921: Aug 10 2007, 02:43 PM
dzi921
post Aug 10 2007, 02:45 PM

I'm broke and poor
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QUOTE(shih @ Aug 10 2007, 02:44 PM)
OMG, I dont know when will I have 5k to top up my UT in the future. For me, top up is like RM100, 200, 500, 600. Never more than 1k.
Hope one day I can afford like you.
*
Is RM3k, punch the wrong figure
I do it via Public Bank online
dzi921
post Aug 10 2007, 02:46 PM

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Don't worry, the day will come where you can afford more than me smile.gif
dzi921
post Aug 10 2007, 03:05 PM

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QUOTE(shih @ Aug 10 2007, 02:49 PM)
I bank in in Public Bank last time. Now have PBebank, so top up using online banking too.
3k also very much for me. I think my initial starting pay for 2 years also not that much. cry.gif


Added on August 10, 2007, 2:52 pm

Btw, what is your investment objective for your UTs? Just want to let your money work for you? or retirement plan or children education plan?
*
My objective of my UT funds are meant for future (retirement, big house, big car, etc). At least 20 years to go

Whenever I buy UT, I tell myself that the money is considered spent and can't be taken back (force saving). I will keep it there for long term (I do monitoring and switching whenever necessary)


dzi921
post Aug 10 2007, 03:22 PM

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QUOTE(shih @ Aug 10 2007, 03:10 PM)
I see. How old are you? Did you agent help you to plan? or you do it manually.
*
28, My agent is sleeping type. Hardly service me. I plan it manually
dzi921
post Aug 10 2007, 03:42 PM

I'm broke and poor
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QUOTE(shih @ Aug 10 2007, 03:30 PM)
Ok, I wish when I am 28, I will be able to have a good 'working' financial plan for myself.
Now need to work hard to earn money.
*
I only realized about the importance of financial knowledge since 26. How I wish I knew it earlier

Really spent my younger days as a big spender
dzi921
post Aug 10 2007, 03:53 PM

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QUOTE(KingRichard @ Aug 10 2007, 03:40 PM)
this kind of agent not good leh...take advantage of you...he should be doing more to help you plan your investments
*
Can I buy without putting the agent details?
dzi921
post Aug 10 2007, 10:16 PM

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Mr Dow Jones going down again. Guess Mon is another good day to topup
dzi921
post Aug 10 2007, 10:42 PM

I'm broke and poor
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QUOTE(David83 @ Aug 10 2007, 10:35 PM)
If you top up after 4pm on Thursday, it'll be considered as next day transaction and therefore, the unit price will be as if you're topping up on Friday.

I topped up using PBebank (Internet banking). Therefore no statement from the bank but it should be reflected in the PB account statement if you update your passbook. I'm referring if you're maintaining an account with PB and you topup from your PB account. Not using the 3rd party payee form.

But still, you're receive a letter from PM regarding this topup or AI. On top of that, you'll also receive interim statement every half; dating on how many AIs you have done.

In order to know your fund details such SRR and average unit price, this statement you need to get it from your servicing agent. Demand for a monthly statement or update from him/her.
*
Or you can go to any Public Mutual branch to get this printed. They require your IC
dzi921
post Aug 11 2007, 12:30 PM

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QUOTE(ejleemy @ Aug 11 2007, 12:22 PM)
Your agent has the system that can access to your portfolio... just ring your agent up for any enquiry. Easiest way.
*
Ah, sux! I think I have to change agent soon. If it not because I know him well, else I wouldn't have given him all those commission for no service
dzi921
post Aug 11 2007, 02:00 PM

I'm broke and poor
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QUOTE(David83 @ Aug 11 2007, 01:53 PM)
You always go to the PM branch to print your funds' statement?

Your agent didn't send the statements to you via email?
*
Yes, I make my own visit to PM branch to print statement, etc. That is why in future I hope PM can provide us an online facility

My agent didn't send me anything, won't call to tell me when my fund is at peak and time to switch, doesn't give me any reports, doesn't plan anything for me, etc

I will only receive call from him when there is new fund and he wants me to buy. Which I will usually survey first before doing

With that said, he is my good friend that is why I'm helping him. But my limits are reaching soon. I will tell him either service me or else mad.gif
dzi921
post Aug 13 2007, 07:48 AM

I'm broke and poor
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QUOTE(cawaiicollection @ Aug 13 2007, 12:38 AM)
AIA INSURANCE CO are the bast, need help just send your tel or hp no by e-mail to me, i will ask my agent to call you, thanks.
*
So any good fund to share here?
dzi921
post Aug 14 2007, 08:19 AM

I'm broke and poor
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QUOTE(David83 @ Aug 13 2007, 08:08 PM)
Wondering why there's no 50th Merdeka promotion from PM on their funds? hmm.gif
*
I thought the sale has been going on worldwide? sweat.gif
dzi921
post Aug 14 2007, 04:19 PM

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QUOTE(David83 @ Aug 14 2007, 01:43 PM)
What sales? I'm referring to special Merdeka promotion.
*
I know, I was joking about the recent price drop. Consider a sale to me already


Added on August 14, 2007, 4:58 pmTook another shot before 4pm again. Bang Bang Bang. 3 more bullets

I wonder when this bear going to sleep

This post has been edited by dzi921: Aug 14 2007, 04:58 PM
dzi921
post Aug 15 2007, 10:08 AM

I'm broke and poor
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Took another shot at PRSF. 2 more bullets left before big bang (switch from bond to equity)


Added on August 15, 2007, 10:11 amWe are like 4 months back now. The UT price is April price
I wonder how low will it go sad.gif

This post has been edited by dzi921: Aug 15 2007, 10:11 AM
dzi921
post Aug 15 2007, 10:11 AM

I'm broke and poor
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It's like took 4 months to be at the top, and 3 weeks to drop back to 4 months ago. Very dangerous


Added on August 15, 2007, 10:12 am
QUOTE(David83 @ Aug 15 2007, 10:11 AM)
I wanted to take more shots but too bad that I don't have much cash in my wallet. sad.gif
*
No funds to switch?

This post has been edited by dzi921: Aug 15 2007, 10:12 AM

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