PCSF should have a big rise today but I did not buy it last Friday, so wait for another good buying day.

Green is always good. I hope UTs can get back into green during CNY or GE and I am going to have another plan again.

PBebank is a lot better now after they implementing the PAC system. The system faster than Maybank2u but less features.
For fund top up, no problem at all.

dzi921, I want to get myself another 'tian zhu' also since I lost mine months ago. I need some 'ONG' in my UTs, stocks and myself also. This month is really a bad month. Market crashed and buses crashed also.

Btw, I am planning to go into PCSF in near term. Will make it a 5-10 years investment plan.

You are interested also? Hehe, I think I will make a switch over it since balanced fund is not performing now.

Ok, a little off topic already.

Your avatar one seems like not an 'old' one, but i am not saying it is a fake nor immitation. Hope it can work for your unit trusts.

Dont need to worry so much about UTs, as it is meant for long term investment.

The Fund Manager have the right not to switch your fund if you have been doing that twice within 3 weeks times.

Read the T&C back of the switching form.

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Added on August 23, 2007, 10:15 amThey only considered First Holder for Mutual Gold. If you have Mutual Gold Jointholder, you do not enjoy any benefits, you still have to pay Rm25 switching fee and wait a few days for the money when you redeem.

This post has been edited by shih: Aug 23 2007, 10:15 AM

Register your account. So that you dont need to get PAC again for following top up.

I think PSMALLCAP already sold out. I am not sure but cant enter last time.

Why you did not choose PEF instead of PGF?

1. Unit Trust is an investment scheme that pool all the money from the unitholders and invest into certain investment products like stocks, FD, bonds and so on. Normally, UTs invest in shares like what you should know, Maybank, Tenaga, TM, Genting, etc. Unit trust can have wide diversification depends on the fund itself, while in stocks, you are buying into one single counter each transaction.

Got index-linked stocks/shares that carry certain weight in the KLCI, when the index-linked stocks increase, KLCI increase.

2. Unit trust is an investment, life insurance is for protection. But the investment-link policy for certain insurance use some portion of your money to invest too.

It is better for you to google for the term that you want to know more about it, because it is a big and general scope for Unit trust, stocks, and insurance.

Hehe, I am much younger and NOT an expert. Still have a lot to learn about UTs, insurance and stocks.

Haha, I dont mean it. You are as good as a young, healthy and wealthy man.

Btw, the quaterly fund report and the interim/annual report is very useful, you can use it to track what the stocks you are holding. If you want to g for long term investment, you can take the chance to follow the fund manager's choice. but be sure you do the cost calculation 1st.

Not to say disadvantages but in comparison, you might see some difference from trading stocks, FD, and others.
For me,
1. High entry charge.
2. Lack of transparency.
3. Many procedures.

But overall, it is still a good investment vehicle for me, as I dont have much time to do monitoring. So, the diversification, professional management and good liquidity suits my taste.

If you can invest in UT for 100k ,you can forget about the service charge if it can make more profit and you know how to switch your fund. You might just have to pay once for your whole life.

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Added on August 23, 2007, 11:34 pmThe service charge is a MUST, unless you choose something else.

This post has been edited by shih: Aug 23 2007, 11:34 PM

That is different from one to another. Example: Why you only buy 10 lots of Genting shares while others buy 1000 lots? The problem is people think that it is profitable and they understand the risk. The later pay more for the brokerage too.

Same case for UTs.

PSMALLCAP

I am ON for Islamic Banking, so I would say Public Islamic Select Bond Fund.
I just have account for PBOND and PSBF. Sold my PIBOND, looking for PISBF later, not now.