PCSF is a good choice in fact, but need to switch it to other funds when China, HK and Taiwan market is going down, as the market now are quite high.

PGSF performance is not very good so far...think twice before you invest in it.
Probably you can consider PFEDF.

For EPF withdrawal to invest, you're not allowed to switch "certified" funds to "Non Certified" funds. You're only allowed to switch among the "certified" funds.

I believe unit trust company is tracking this but not EPF. As when you repurchase, the money will be put back to EPF automatically, means they already tracking the unit you buy with EPF. So, same way, they can track your EPF in this case.

This is not a REIT fund, but Public Far East Property & Resort Fund also invest in property investment and development companies, and hotel & resorts industries, beside investing in REITs.

The 5.45% is not management fee, but service charge. The management fee is 1.65% p.a.

If you really want to share this investment with people, please share it in the forum. Forum is not a place for people to get customer or business. We're discussing here.

If you're not willing to share, please don't mention this in the forum.

Thanks.

Public Mutual fund can get as high as 30-40% profits p.a., but this is not guaranteed. Every investment has its own risk. In fact, if now you look at the return, most of the funds giving more than 50% for 1 year, not only Public Mutual, but many other funds as well, since the market is doing so well now.

If there is investment guaranteed with 20% return, I think all the people will put money into it. ASM offer average 6-8% per year, already sold out within 1 hour...what you think???

If the stock market is going down, definitely the UT market will go down as well, as UT also invest in share.

Investment is a very weird thing...everybody knows that we should invest when the market is low and sell the share when market is high...However, when you look back year 1997/98 economic crisis...all people also talking about selling share, but not buying share...at that moment, seemed like nobody dare to buy share...if not dare to buy share, sure also not dare to buy fund.

Now, the market is bullish...everyone also talking about investment, either share or UT. So, most of the people actually start to invest when the market is high and hot...

I think this is the reason, why not many people can be rich by investment...

One of the benefit buying UT from an agent is, agent can advice you when you should switch your fund. If agents are taught not to advice investors to switch...I can't think off any benefit of agents...

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.

As I said, never look at the price...but look at the investment policy...

New fund might target in some new and growing region of markets or more focus on some famous industries...this is the only benefits of new fund...else, we can always consider old funds...

I think all the application submitted before 3pm today, will get discount as stated...

Switching is good, can save on the service charge...unless you decide not to invest unit trust anymore or you really need cash...

Dzi921,

Actually you can download the softcopy from Public Mutual website. Go to Fund Product, Fund Review, you must register as online member, sign in then you can download all the financial reports of the funds as well as the quarterly review, and even monthly review.

You also can get your agent to provide you hardcopy of it.

It seems like Lowyat Net users here like high risk fund

Not many people dare to switch their fund to equity fund now...as the market is still a bit unstable.

Service charge 6.5% is a bit high, but in long term, this is considered not really high...and I think this charge has made many people put UT as long term investment.

For share, many people said that want to invest share in long term, but how many people really invest in long term? The brokerage fee is much lower compared to UT, but if you trade your same amount of money into 3 different share in 1 year, you will need to pay 6 times of brokerage fee...I believe many people change their portfolio every 3-6 months, or even shorter...

For UT, you may put the money there for 5 years...6.5% for 5 years...1 year only 1.3%. This actually encourage people to invest in long term...

For me, I hope they reduce the management fee or charge the management fee acording to the fund performance. This management fee is charged annually.

Yes, some investors need agent to explain everything about unit trust investment to them, and also monitor the fund for them...

Another good thing is, you can get agents who always keep track of the share market, thus he/she can recommend when to switch your fund.

A responsible agent should keep all the investors updated for the news and the status of their funds. Depends on how lucky you are If you're lucky, you get a responsible agent.

For newbie, they really need explanation from agents about the unit trust investment, as well as their personal financial planning.

It's good if you and your friend can surf through this forum and learn about unit trust investment. There are a lot of posts about unit trust investment here.

PCSF is a high risk fund, invest in it if you really can take high risk. Anyway, if you can put your money there for long time (says 10 years), then should be ok.

PIABF is not really good, as I personally not recommending balanced fund.

PIDF is moderate risk fund. Personally thinking, dividend fund is the best choice in market situation now. Anyway, I recommend PFEDF.

Yes, free insurance is the extra bonus of balanced fund, but the coverage is equal to the NAV you invest, it's too little...

Yes, I always said that the high service charge of UT is one of the disadvantages of UT investment. If you really buy a bluechip and hold it for 10 years, then it's good....but in fact, how many people doing that?

Human is like this, once see the price get higher, they will sell...then the price like going higher again, then they will think the share will continue grow, then buy again...this is normal in share market...

That's why I said, high service charge is a way to make people willing to invest in long term
Anyway, this is just my personal opinion...I know many people do not agree with me...