True, no need to worry much

But for people so kiasu like me, want to swich to bond when high and switch to equity when low, quite fun also

Like I switch to PRSF on Fri (0.6302) and today already (0.6570). Made +4.25%



Btw, how to count the percentage? Mathematic tak baik here

True, but if you have big amount in it RM25 is not much. Better still, if you are mutual gold, no charge

http://www.publicmutual.com.my/page.aspx?n...enefit-services
Fee Waivers
Switching fee is waived for unlimited switchings between all loaded funds. In addition, administration fee is also waived for requests such as transfer of units.

Wait a minute, meaning:-
equity to equity = no charge
equity to bond = charge
bond to equity = charge



Am I wrong?

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Added on August 23, 2007, 8:12 amYou are still young, sure one day got chance one

This post has been edited by dzi921: Aug 23 2007, 08:12 AM

Where you get this info?

I just called customer service and they said why sometimes you cannot switch is because the fund is sold out for the day (not closed)

I'm going to register a new aggressive account today. Maybe PAGF or PIX. Still thinking. I don't feel like investing into PCSF though it seems hot cake now

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Added on August 23, 2007, 1:10 pmFrom 22/08/06 to 22/08/07

PAGF: 45.77
PIX: 35.60
PSMALLCAP: 54.88


PSMALLCAP looks tempting

This post has been edited by dzi921: Aug 23 2007, 01:10 PM

I sure hope so. I aiming to switch if it reaches it previous high. Don't want to tamak

After thinking, I think I'm a moderate heart person

Just came back from bank. Opened PGF instead

No reason, just took a shot based on it's market existence

That's the problem, too many funds hard to decide sometimes

Stock is Stock. Go up fast, Go down fast

A Unit Trust fund consist of Stock which is diversified. (e.g. A Unit Trust fund can have stock A, B, C, D). Since it has few stocks so Go up slower, Go down also slower. Disadvantage, upon purchase of equity type of Unit Trust fund there will be a charge of 6.5%. So some people don't like

There are a few Unit Trust funds which comes with Insurance

Life Insurance depending on the package is when you encounter life problem like critical illness / permanently disable / death, you will get the insured amount. Nowadays a lot of Life Insurance have investment plan in it too

My say, newbie like me play UT safer

There are more experts around, they can give you better inputs

Edit: Expert above posted faster than me

This post has been edited by dzi921: Aug 23 2007, 06:00 PM

I just went to Public Mutual branch, and they gave me a Quarterly Fund Review report

This report is very informative. It states all the funds and infos about it like benchmarks, top 5 holding of the fund, which sector market, etc

Should have gotten this report earlier. It can make help you decide what type of fund you want

Like now I noticed PRSF and PGF is quite similar except PGF has more funds abroad

So go grab it

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Added on August 23, 2007, 6:39 pmSay until I so old

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Added on August 23, 2007, 6:44 pmSo take example, I have PRSF. It consist of few stocks like:-
Public Bank Berhad (10.26%)
Tenaga Narional Berhad (5.43%)
MMC Corporation Berhad (4.08%)
Bumiputra-Commerce Holdings Berhad (4.07%)
Genting Berhad (3.78%)
*And etc etc

If you want to buy stocks directly, how much money do you need before able to buy all those funds above?

Note: This is advantage ya, you must also understand the disadvantages

This post has been edited by dzi921: Aug 23 2007, 06:45 PM

I wonder do they have it online (digging after this post)

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Added on August 23, 2007, 7:04 pmNope, can't seem to find the electronic copy

This post has been edited by dzi921: Aug 23 2007, 07:04 PM

Additional to that, before you make any investment

1) You must have emergency cash standby (at least 3 to 6 months of expense). Reason, you do not want to sell off your UT/Stock at a rush
2) Choose your timing right. Try to avoid buying when everything is at it's peak. You can wait for correction to enter. Meanwhile save your bullets
3) Make sure that the money you invest in UT is for mid to long term. Don't expect buy today sell tomorrow and make money.

Only 4 days, nearly recover service charge

Go go go!

Is there a difference if you invest RM10k or RM100k. Though the amount is different, it is still the same 6.5% service charge. If you have RM100k the service charge is a lot, but when you make also a lot

Personally I would rather trust the fund manager's experience (those with track record) than my own experience in handling such a huge amount of my money (I'm noob in stocks)

Does agents give this report to their accounts?
One info I find missing in this report is which fund is already closed

The more money you invest, the more satisfying the return is

Just to double confirm, there are so far 4 closed funds right?

1) Public Enchanced Bond Fund
2) Public Bond Fund
3) Public Ittikal Fund
4) Public Islamic Bond Fund

I'm thinking to open one pure bond fund today. What do you guys suggest?

Open:-
Public Institutional Bond Fund
Public Select Bond Fund
Public Islamic Select Bond Fund

Close:-
Public Bond Fund
Public Islamic Bond Fund
Public Enhanced Bond Fund

Already have:
Public Islamic Enhanced Bond Fund

I think since I have PIEBF, I think I will go for PSBF now. The past record seems quite ok

I just double check with Service center. This fund is still open. The funds closed are the ones I've mentioned

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Added on August 24, 2007, 10:04 amSince our agent here ask given his input. I'll go with your suggestion



This post has been edited by dzi921: Aug 24 2007, 10:07 AM

Speaking of default risk? What are the chances? How will it happen?

I've checked that yesterday but it is not the same as the printed hard copy. I'll check again later when back on my laptop