Boss

I used epf monies. Shall i exit ? Its abt 10k.

What a coincidence! I am using KWSP money too....

Before the KWSP rule relaxation, I would have been stuck too, but after they relax their rule, now you can go 100% away from Malaysia.

Xuzen

Sifu,

Switched out frm Kapchai fund to which fund in your mind ?

ECB to extend money printing, consider signal about its end
http://www.theedgemarkets.com/my/article/e...l-about-its-end

BBB b4 too late

Kapchai fund still can go in ? Or wait

I have two options that I am considering:

i) Switch to Asia-Pac fund

or

ii) Switch to Bond fund temporarily and adopt a wait & see position.

I have not finalise my decision yet. I have until 31st Jan 2017 to think about it.

Xuzen

Printing money will stimulate economy right ? Not giving a positive impact ?

Usually I sell the fund. Can switch to another fund using epf monies ? I never try...

If switch to within the same UTMC is considered switching, not selling. Don't sell, you ware wasting your sales charge!   

Xuzen

If switch to within the same UTMC is considered switching, not selling. Don't sell, you ware wasting your sales charge!   

That is why having a UTMC with many good funds is a good criteria to consider when selecting a KWSP - MIS partner. For example I know many says KGF is a good fund and I agree, But if you look a Kenanga as a whole, it only have one very good fund and nothing else. So if this super duper fund were to experience some issues, you have no choice but get stuck with it come rain or shine. This is only applicable for KWSP - MIS only, not applicable to cash injection.

Xuzen

Guys, I am planning to switch half of my Eastspring Small cap to Eastspring Emerging market,

and then start TA global tech. What do you guys think?

Meanwhile, me and my friend were confused by what's written in most of the product highlight sheet in FSM. *kindly refer to the attachment.

Does this means we need to pay the 5.5% and all the rest apart from the 2% sales charge?

If switch to within the same UTMC is considered switching, not selling. Don't sell, you ware wasting your sales charge!   

That is why having a UTMC with many good funds is a good criteria to consider when selecting a KWSP - MIS partner. For example I know many says KGF is a good fund and I agree, But if you look a Kenanga as a whole, it only have one very good fund and nothing else. So if this super duper fund were to experience some issues, you have no choice but get stuck with it come rain or shine. This is only applicable for KWSP - MIS only, not applicable to cash injection.

Xuzen

Guys, I am planning to switch half of my Eastspring Small cap to Eastspring Emerging market,

and then start TA global tech. What do you guys think?

Meanwhile, me and my friend were confused by what's written in most of the product highlight sheet in FSM. *kindly refer to the attachment.

Does this means we need to pay the 5.5% and all the rest apart from the 2% sales charge?

Switching within same house won't incur service charge some more?
5.5% is if you buy from agents.

this is where your credit system can be use to offset the sales charges, for eg, eastspring small cap switch to eastspring bond earns you credit , and later you can use the credit to offset the switch from eastspring bond to other eastspring  equity fund like small cap, global leaders and etc.

applicable to both epf and cash funds. i think previously Xuzen advocate buying from eastspring for EPF funds as they have a range of funds to buy using EPF funds, for RHB need to pay rm 25 per switch.

The credit system is the one thing that separates eunittrust from FSM, eunittrust don't has it,  and for FSM  you can use credit system to perform the ninja switching for free.

Big NO. the current political environment and instability is big turnoff   

Haven't you read the case of people posted here that they tried to use the ninja switching and ended up losing more money ? You are pretty much deluded to use the words "switching for free".

The credit system should only be use "by-the-way", ie if one is indeed wanting to switching from small cap to eastspring bond, then go ahead and earn some credit. But to "purposely" exploit it, hmmm, the result isn't always predictable due to the moving Nav prices during the various transaction dates.

On the otherhand, have you tried to look at how you could use the 0% SC of eUT to perform switching ?

You can practically move out your entire portfolio to totally different portfolio in 3 or 4 days without incurring any SC, across different fund managers and across bond and equity.

For example, you can't switch your entire investment in RHB AIF to Manulife India  or eastspring smallcap to ponzi 2.0, all in one move, 0 % SC !

Think about it, how about that ?

You lose about ten days though.