Please get over the trivia issue, and focus on the topic.
Ty.

Please use multi-quote function/style if posting reply continously.
Ty.

Heated debate, no problem, but please tone down the word and don't use the word of "barking" (it is a disrespectful word to call people like that), and or whatever similarity word.
Just focus on the fund issue discussion.

Ty.

It is not about big or small sum issue, sometimes it is about petty issue.

In investment world, you can't possible "maximise the return" one, aka try to find lowest to buy and highest to sell.

For long term investment, you take a bigger picture and more long term view instead.

Eg.
You correctly bought a stock/UT that worth Rm10 today, if looking back, there is not much a difference if you had bought it at RM1.00 or 1.05.
A long term and bigger picture, is that you made a right decision that you had bought it, be it RM1.00 or 1.05.

Same with property, today your property worth RM1 mil, does it matter you bought it 500k or 520K?
The matter one is you made the decision to buy when it was 500k or 520k.

You don't try to "maximise the return, so that you must buy it at RM1.00 or Rm500k, as in the process of trying to "maximise" the return, you might miss the opportunity to buy it entirely, which you left with no profit.

So from here, we can see, it is the future prospect of current investment that matter the most. Not whether current level is lowest or not.
If the investment has no future, aka over the long term may make a loss, buying at the lower than your friend also no use one. Making less loss than your friend, it is still a loss.

I agreed on maximise return in term of putting FD in a bank that has higher rate, yes, this is correct way to maximise return, because this "investment" we know the outcome aka you will be fully paid on the interest.

But in investment that full on uncertainty, we can't possible maximise the return unless we have a crystal ball to know the exact timing and future outcome.

Cherry picking, and focus on too petty issue sometimes is not good "behaviour" for investment over long term.
We can't possible earn every cent one that available. Instead a bigger picture and long term view may provide way bigger return.

Even Rm1 become Rm2 over some years in investment, buying at RM1.00 or RM1.05, it doesn't matter much one.
One can cherry picking of earn more 5% or so in maths, but, as said before, we can't earn every single cent in investment world.

When the price was RM1.05 time, we don't know it will up or down to RM1.00 before going to RM2.00, it may or may not.
Investment is about real time decision making, not looking back history to see, ya, RM1.00 get me the max return, I should go in at RM1.00, nor I know it will become RM2.00 later on.

At real time when the price was RM1.05, you need to make a decision to buy or not, you don't know it will become RM1.00, so that you can max the return. If one is cherry picking and wait for RM1.00, it may gradually going up to Rm1.10, RM1.20, RM1.30, never back to RM1.00, so you never bought it.
It becomes a entirely miss opportunity to reap the profit of RM2.00 or RM1.50 over the long term, instead of potential just less 5% profit.
No profit vs less 5% profit, we don't need math to know which one is a better choice.

Investment is not about wishing to see 100K become 1 mil next year or two.
It is about growing wealth and compounding effect, whether it may become 1 mil or no, nobody knows.

Yes, UT NAV won't go straight line up, but if one has such a mindset to maximise profit and over-analysed the "max return", one tends or may miss the opportunity entirely, because one is constantly searching for bottom and top, which everyone knows it is impossible in investment.

The point I want to highlight is such a mindset and behaviour may affect poor decision making in investment world, not about the mathematics.
We don't know the bottom, we don't know the top, we don't know it will rise from RM1.05 or Rm1.00 or the fund may forever make a loss as well.

One may disagree with my opinion, but trying to max the return is a tiring process that a lot of time resulted more miss opportunity and lesser profit instead reaping more profit, this is my experience in investment world for decades.

The maths are all correct, no doubt, but the maths only correct, because the outcome already known.
While in investment world at real time, we do not know.

Just to highlight the issue that bond funds or some income funds that investing in bond and debt market, their sterling performance over the last few years may not repeatable, when of if Fed decided to raise interest rate.

Previously sterling performance of bond fund, particularly overseas one, has a lot to do with massive QE adopted by US and Europe, that resulted low treasuries yield and negative yield to Bund.
There is a limit how much the low and negative yield it can be.

Imputation dividend is history already.

Now all Malaysia company are distributing dividend as single tier already since 2014.

Rm150 per month?
Better save the RM150 per month, which equivalent to RM1800 per year.
It gives you an "edge" by earning extra RM1800 per year with the move.

Live quote won't give you much edge one, as you are not playing contra on the specific stock, nor you can predict what is the closing price of the stock eventually through live quote which affected the fund NAV that being updated daily basis based on closing price.

UT, stock market are not a zero sum game.

Forex, futures are indeed zero sum game.

You can't blame especially for newbie in bond investment.

As for the last few years, thanks to massive QE and zero interest rate around the globe, bond or most bond funds were performing magnificiently (even up to now), a return of pa more than 7~9% became like norm, which attract people attention.

But in ordinary day, bond funds shouldn't have this kind of high return rate, and expectation of bond fund return should be around their invested bond coupon yield.

I quite agree on assessment on the issue using EPF for UT.
You opt UT, the intention is to chase more return like equities fund.
If bond fund is similar or not much vary from EPF dividend rate, it doesn't make much sense already, as EPF got principal and return guaranteed, while UT is not.
Take more risk should expect more return.