For long term of 10 years...the return extracted on 30 Aug:

Equities:
PRSF: 161%, annually 10.07%
PITTIKAL: 228.16%, annually 12.62%

Balanced:
PBF: 128.85%, annually 8.63%

Bond:
PBOND: 125.06%, annually 8.45%

The return is NAV to NAV, so this is not the nett return, this does not take the service charge into consideration.

The initial period will be closed by 26th September. Technically, you'll be entitled for it. If you create an SI, any topup through SI will enjoy this lower service charge of 5.45%.

SI = Standing Instructions = Set a fix amount to be auto deducted from your bank account at a certain date to buy a fund

PCSF can buy if your stomach can take aggressive investment. Can go up fast and go down fast. Whether or not good, a lot of people are buying this. Up to the point that PM has to increase PCSF's fund size to cater for the demand

SI will be based on normal service charge

But sometimes SI can have cheaper service charge, if you subscribe it during promotional period, mostly during the fund launch time

Yes, you can still buy PCSF fund. It is still open

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 pm

You 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..

It depends on how strong the future correction/recession is. If you invested in late 1996 your funds would have been -3~4% by 1999. Are you comfortable with that?

Buying now and keeping for 3 years... good but...

If you want to invest now, the market is quite high in terms of index and past performance already. Many regional market is hitting new index high

So question is, do you think market will crash anytime soon? or how high can it go? No one can predict

To be safe, I think better keep your money in FD/savings for the next major correction. Or else buy Bond lor and switch into equity when market correction

Personally my money is all out in equity since the recent correction, and now saving up new bullets for next correction. I have decided to stop investing after index reached 1300 above

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Added on October 3, 2007, 3:28 pmYou can choose to buy now, but IF the market crashes, the NAV you bought is expensive and the lost will be greater

So better wait and hold for next correction to enter. Remember to buy low and sell/switch during high ma. Don't rush in

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..

For me when I think the market is at top or has reached my target, I will switch to bond to lock the profit and wait for the next correction

My target for now is 20% to 25%, now 18.16% (as of last fri). So I will be switching out soon

I have PISBF / PSBF

PIEBF (Bond + Equity) - Can go up and down faster compared to pure bond

Personally, I don't really bother about Bond's performance cause it is meant for parking

Too bad PBOND sudah tutup Cannot open new account 

You can see my portfolio diversified by % in my signature
Bond tend to drop slower then Equity

So my term of parking means, when market is quite high/expensive/unstable, I will be moving my funds from Equity into Bond for parking.

Reason, if the market has a correction, Bond will usually drop slower/little compared to Equity, meaning I'm locking my profit by switching Equity into Bond

Why am I switching into Bond and not parking in Equity for long term? Reason, to maximize profit 

PS: This is based on my experience. I might be wrong 

it will be wed's price

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Added on October 24, 2007, 9:40 amToday is Wed

The price on the site is usually 1 day late late

E.g.
For monday's closing result:-
Top portion will be showed on Tues Morning (around 11am)
Bottom portion will be showed on Mon Evening (around 8pm)

If today you want to buy any fund, you wouldn't know until the market is close

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Added on October 24, 2007, 10:24 amThe price on the site is not like stocks which is updated every few seconds. The NAV needs to be calculated when the market is close

Today before 11am, public mutual price will be Monday price. After 11am, the price will be Tuesday price. If you buy today before 4pm, the price that you buy is Wednesday price, which you only can see at public mutual website tomorrow after 11am.