capital guaranteed funds are strong challengers of unit trust.

I know. I'm just referring to the new breed of such funds.

Sorry for the inaccurate statement.

True .. I'm a PM agent myself. The dividens reinvested are not subjected to the 6.5% service fee. So, if one choose to get the divendens in cash and plan to reinvest it manually later ... I dunno waht to say because its obviously a bad idea. If you reinvest manually you are going to be charged 6.5%.

To complete the picture ... dividens are fully taxed at 28% even if you auto-reinvest. But this tax can be reclaimed. Just fill up the forms.

Yaa you can claim the amount of tax that you overpaid. The UT company are required by gov to pay the tax for dividens that they pay. The UT company sent you the dividens slip in your mailbox right ? That's all you need to do the claims.

Yes, the dividen you received is already taxed...
You can claim it back only if your current income tax rate is less than 28%.
Example if your income tax is 10% ... you can claim back 18%.

Yes. You can claim back all of them if you arent eligible for tax. This applies across unit trust industry in Malaysia.

I think its a normal small correction.

Unfortunately, in this business we are not interested in what people are saying .. we want to see the money grow .. nothing less than that.