Why not try eUT ? 0%

Priority customer surely got 5k?
But you get what you pay for, if the advice by the RM there is really good then the 0.5% might be worth it

Selling my funds today as the prices went up. Good idea?

Wanna switch but not immediately. Market seems too volatile now.
Sell now because I don't think the prices will go up any higher.

Maybe should consider other funds that are also under promotion right now. Check the fees and charges if it suits your investment style

So what would your advice be ? Sell all China funds ?

Sold a little bit too early. Should have waited for a few more days .....

This post has been edited by jfleong: Mar 9 2018, 11:03 AM

Sold at the wrong time. After selling everything went up so fast....

I sold on March 6 because scared of volatility , it was about +2% that day.
Then drop a little bit next day but next 3 consecutive days surge >1% per day
Loss quite a bit....

Anyone here who is not a 'sophisticated-investor' bought a sophisticated-investor only fund?
Particularly Manulife Dragon MYR hedged ?
Did they reject ?

PRS :
Those who have not opened a PRS account and under 30 can consider opening via PPA instead of FSM, where the RM10+GST account opening charge will be waived, and no sales charge for those under 30

https://prsenrolment.ppa.my
Terms & Conditions of PRS Online Enrolment:
The PRS Online Portal is for execution only and does not provide advice. Please read and understand the Disclosure Document and Product Highlight Sheets (PHS) before selecting the PRS funds to invest. If you wish to seek further advice, please contact your respective PRS Consultant. Please also consider the applicable fees and charges before investing.
For all online applications through PRS Online Enrolment, the PPA account opening fee of RM10.00 shall be waived till further notice. For applicants age 30 and below who perform self-enrolment, PRS Providers’ sales charge will be at 0%
Upon the successful completion of your online transaction, your contributions will be forwarded to your Provider(s) for their onward processing at the next cycle. You will receive a separate acknowledgement from your Provider(s) once they have created the units in the relevant fund(s) for your benefit. Please note that successful completion of the online transaction does not guarantee the successful opening of the account. The respective Provider(s) may take up to 7 business days to confirm or reject the opening of the account and the contributors are obliged to provide all the necessary information (if requested by the respective Provider[s]) for the verification purposes. You may contact us if you wish to know the status of your transactions. Our contact details can be found here: Contact Us
In the event you have insufficient funds for the transaction, the transaction will be rejected.
Please note that payments for the units purchased must only be done from the applicant’s own bank account. No third party or joint account payment will be allowed.
Please note that the PRS Online Enrolment under the purview of the PPA is only for Malaysian Citizens. For non-citizens, please contact the respective PRS Providers for further advice.
Please note that the opening of PRS account is for the purpose of saving and investing for retirement.

This post has been edited by jfleong: Mar 13 2018, 04:03 PM

Don't know, but if exceed 30 better buy at FSM, always 0%

Hang Seng dropped quite a bit today, any predictions for tomorrow ?
Also I tried to switch to FSM by selling my eUT units, because I wanna buy Dragon fund at 0%
Turns out this offer does not extend to wholesale fund ....backfired !

What I got : All Retail Funds in Fundsupermart.com is entitle for above promotion EXCEPT Wholesale Funds

But can consider some other Manulife fund then switch, but have to pay the RM25+GST switching fee

Wrong post format

This post has been edited by jfleong: Mar 19 2018, 01:37 PM

After some calculations, it seems like the annual management fee for the PRS fund is negligible , assuming the proportion used to buy the target fund is fixed throughout the period as 98.85%, the annualised annual management fee of the PRS fund is , for 1,2,3 and 5 years are 0.07% , 0.05% , -0.08% and 0.65% respectively


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cukur Dow Jones bounce back a little bit now

They are counted separately so why not both ?
It's not one time benefit, it's tax relief every year too
during market downturn can always switch to conservative funds from same fund house if you so desire
It's still your money that can be withdrawn at 55 or passed on to your kids if you die before that

I thought you were talking about incentives for investing instead of incentives for holing, my bad
Does UT give you any incentive for holding (other than investment profits, which is also available through PRS)
Still better than normal UT with no incentive at all, plus sales charge lagi (even though >5k no SC through eUT during promo period, but for PRS no sales charge any amount, any time, you might even get a pair of free movie tickets for 3k during promo period)



I said if that's what you want - you can choose any fund depending on your appetite / risk aversion
I always hold on to the one with maximum risk, because that's a rather insignificant amount of money that I can afford to lose



No one said anything about transferring between persons , I said if you die your kids can still inherit the money

Again this all depends on your risk, how much you wanna save etc

Obviously max out the 6k EPF first , but I've already done that through normal salary
If you have extra then can consider PRS, it might be worth it for those with high marginal tax rates

This post has been edited by jfleong: Apr 4 2018, 03:37 PM

Currently holding bond fund. Which is faster to reach my account ? Switch to CMF then withdraw or straight away withdraw ?
Which bank faster ?