The eUT promotion is always 0% SC for amount > 5k. One can use it for switching funds and invest new funds. And they have it as long as one month duration, you can use it without making rush decisions.

Compare this to the FSM 1 day promotion which invites so many funny funny questions such as what time lar and which day lar and so on so forth !

But not all funds are under promotion. TA funds and CIMB funds ( except Ponzi 2 ) are usually not under promo in eUT. So buy these in FSM.

Bond funds also there is difference. Bond funds are 1% SC for eUT ( non-promo rates ). Whereas for FSM is 0% + 0.05% platform fees per quarter. So better keep bond funds in FSM, it will take a long while before it reaches the 1% SC.

FSM has this credit points and a long time investor will some how accumulate some credit points where he will find it useful.

I will keep the more aggressive port in eUT and I could switch the port just over night without paying a single cent during promotion. That could work as double edge sword, which I have to constantly remind myself not to make rush decision.  But so far my port in eUT performs much better than those in FSM. Maybe due to different funds nature.

btw,...are you from FSM?...want take our words for 'promotional' materials?

1) in FSM MY, platform fee is only 0.2% p.a. for FI

2) EQ/Balanced charges normal SC (promotional SC if within promotional period subject ot T&C), no platform fee

  There is already eUT thread. got drowned in the pages behind.

Hello, first time investor here, got my FSM account ready last year but decided to hold till this year to get the RM1k incentive.

I've decided to invest RM3k per year to maximise the tax rebate too.

My question is, should i just invest may be around RM1100 for one fund (to get the incentive) and then take my time to invest the remainder in the next few months? I think it would be safer to break into a few PRS funds right?