That's right..
Lenders are in trouble with the defaulters, so until they found a way to clear things out and get back their money, they'll be in BIG trouble..
Maybe we'll just have to wait until those dying lenders to shut their doors first, and a regulation is intact, before investors gain back the confidence..
Reducing the discount rate would only put banks into trouble, so expect more turmoil to surface..
Next week, prepare to see more borrowers in Yen pushing the Yen up, and there'll be yet another turmoil..
More and more problems are surfacing up, that are not affecting the people, but directly affecting the big institutions..
With big institutions down, no one is going to pump funds into the market..

No, SI is not eligible for the discounted service charge..
Only if you enter PFEPRF during its offer period, your SI into PFRPRF is eligible for the discounted service charge..

Has it been confirmed that the single tier system affects UT also..?
Could you provide me the source please..?

You have any suggestion..?
I'm definitely up for gathering..

There are 4 ways you can do it with PM..
1. Call in to the branch and do it manually
2. Get your agent to do it and hand over the cheque
3. Bank into PM's account through any PB branch
4. Activate your pbebank account, and there'll be an option for you to transfer from your account into PM up to the specified limit..

So, for unlimited topup, option 1,2 and 3 are the best..
I hate the limit they set for me at different branch..

There's a thread specifically for UT discussions and it's stickied..

UT discussion

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Added on October 3, 2007, 1:47 pmYou can top up at anytime, but the cut off time for transaction to be processed is 3.30pm for agents, and 4pm for investors..
After this time, your transaction will only be processed the next working day, based on the price to be determined next..
You can call telemutual to check your account balance, alternatively you can ask your agent to get the printout for you..

This has been discuss a few times earlier already, but I'm going to say it again..
When a fund gives distributions, it is not going to add to your profit..
The price drops according to the distribution declared..
If you choose to be paid, then you get cash in hand through distribution, but the value in your fund decreases..
If you choose to reinvest, then it will add up your total units, which could be significant for the next distribution or capital growth..
Overall, distributions/unit splits are done to lower the cost of investing in a particular fund..

This post has been edited by Jordy: Oct 3 2007, 01:47 PM

It depends on your risk appetite really..
No one can say which fund suits you..
But, high risk funds could generate high returns..
Savings fund is another thing, you can't mix aggressive funds with savings fund..
UT is meant to be passive long term investment, so it's meant to generate returns in 3-5 years..
I think you still have a lot to learn in UT..
Didn't your agent advise you..?

For me, I don't stop investing/top up until there's signs of slowing down..
Currently my situation in PCSF is yielding high returns..
New fund at this time won't do much good, because as dzi921 said regional markets are at their peaks now..
So, your best bet is to get into some moving funds to generate quick returns and run out with quick cash..
For this to work, go into aggressive funds..
PCSF is viewed as the riskiest fund now, so the return is one of the best now..

There are a lot of PM agents here as we speak..

Averaging down is when the market is on the downtrend, while averaging up is when the market is on the uptrend..
When your average price is lower than previous, then it's average down, and vice versa..

PM agents cannot accept cash, they can only accept cheques under the name Public Mutual Berhad..
If you want to bring cash, you should first get an account in PB and transfer from there..
Having an account in PB is good because you can topup anytime online..

PB banktellers will be getting the commission for each fund sold..
Yes, they don't provide service, like what happened to me..
Already told my banker about it, well at least my agent is servicing me very well now..

First, is it worth it for you to attend the courses and go for the FTUTM examination, which takes around 1-2 months, costing RM250+, just to invest in it..? Unless you have a substantial amount that you would like to invest, otherswise just pay the 6.5% sc..
Even if you become an agent, there's a limit to which you could invest in each funds, and the limit is only very minor..

This post has been edited by Jordy: Oct 4 2007, 11:25 PM

As mentioned by kingkong81, services varies for agents..
Their main job is to give advice and recommendations, that's where they got their name "consultant" from..
They watch over your portfolio, and inform you of the best time to sell/buy, and lock profits..
A normal person without the service of an agent would tend to forget about its investments and just leave it there for few years..
PB or PM funds wise, no advantage because they are managed solely by PM, so would be the same..
You pay commision not just for the agents, it's for the managers as well..

PB staffs are not supposed to service you, what right have you to demand..?
Actually, they don't mind even if you buy from other staffs..

There's no free spreadsheet for UT, all are homemade..
Actual return is more difficult to calculate unless you know the distributions/splits along the way..
They account for the calculation of net return as well..
Raw return would be easier, as you said 100% of your money over 5 year period, so annualized average 20% raw pa..
As b00n said, your agent can do it for you at just the click of a button..

Depends on each UT company..
But they usually sends your statement at most quarterly..
I request my agent to review my funds with me on a weekly basis..
You could try negotiate with your agent to do a review with you..

There's no guaranteed return..
It depends on equity and the investments of the funds..
Some funds gain way more than 12%, some funds gain less, and some even lost..
Still back to the "higher risk, higher potential return" basics..

Supporting details..?
Don't just say it, show it..
Is it guaranteed..?
Any terms and conditions..?
Which company is offering that..?

I think you should be aware that there were times when Swisscash claimed they offer 300% return over 18 months..
Do you think this will not be the same..?
Have you done your research on this..?

Don't just recommend la, say what you think is so good about it la..
Are you sure regional markets are good for short term..?
This fund is meant for long term..
SEA markets are only good for long term..

This is definitely true, but I wanted to help him understand more about the fund..
Because by the way he posted here, those statements are usually found in the prospectus..
So chances are that he didn't really understand the fund but just follow the flow of rumours..
Before investing in any fund, it's important to do a research first on the fundamentals of the market the fund is investing into..
I prefer a top-down analysis when deciding on my fund investments..

It's OSK-UOB, and not OUK-UOB..
Thematic growth is more diversified as in they invest in different sectors, so no matter which sector booms, it'll be riding it..
But you have to remember that if one sector booms, and most of the sector is slacking, it'll pull the fund average down..

Yes, this one I believe is a more moderate risk fund if I remember correctly..
But isn't the offer period over..?
I think this fund has been launched last month..

As explained by shih, UT consultants can only buy to a limit of RM1k at agent's price (without service charge), while they can buy as normal investors could at market price (adding the service change).

Yes, they will be charged the normal service charge, and also get the commision based on the investment

a) There's a FMUTM certification card that each UTC has to bring along.
b) Once they have the FMUTM ID card, you will know if he/she is legit.
c) There's ranking, being UTC, Supervisor, Agency Manager, and Group Agency Manager.
d) The performance is measured by the amount of cases they handle.
e) You can complain to the specific UTMC.

Which funds have you invested in..?
How is PM over rated..?
We're getting very good returns from PM, so I don't think we exagerate anything..
What is your "satisfactory" returns by the way..?