I think dividends for equity based unit trust are deducted from the NAV but for fixed income funds, they are accounted for separately and didn't affect the NAV. Of course, the NAV for those funds are probably pretty static.

Yup. It's more risky for sure. Your gains are mostly in capital gains. That said, so's Buffet's Berkshire Hathaway shares.

DCA is dollar cost averaging. Basically meaning averaging the price of the unit trust you buy over time.

The fixed income funds are mostly those bond-type funds
in the conservative section here ?

Dividends are typically 2 to 5 percent.


https://www.fundsupermart.com.my/main/resea...ober-2017--9012



Seems if you leave it to the PRS Fund Managers, they will select this :

https://www.ppa.my/prs-and-you/structure-of-prs/



This post has been edited by Tham: Mar 18 2018, 04:53 PM

EPF - Self Contribution

Bookmark for later read

Go to the EPF office, ask to talk to one of the advisors,
and they will tell you what to do and what forms to fill in.


I usually look for Mr Yazid. He's now at the EPF office in
Section 15, Shah Alam. He is usually there until 4.30 pm weekdays.

He was based at the Jalan Gasing office, but that is closed
for the moment.

If Mr Yazid is not there, other advisors, such as Mr Iskandar, will also be
there to help you.


http://www.kwsp.gov.my/portal/reach-us/epf...gor-darul-ehsan

https://www.google.com/maps/place/Pejabat+K...1.5248024?hl=en



Otherwise, download Form 6A(1) here.

http://www.kwsp.gov.my/portal/en/member/me...lf-contribution

You can give them a bank draft for the amount you wish to contribute.

You can also do internet banking - ask Mr Yazid for instructions.


If you are self-employed (even housewives), you can go under the
1Malaysia Retirement Savings Scheme. Government will also put in 15 %
of what you put in every year, or up to RM 250.

You can put whatever amount you wish, as and when you like.

http://www.kwsp.gov.my/portal/en/general/1...-savings-scheme



If you are an employee, you can also direct your boss to
deduct extra from your pay every month to EPF. Fill in Form 17A.

Say, you can ask for 15 % deduction instead of 11 %.

If your boss also wishes to contribute extra on their side for
you, they can fill in Form 17.

Again, you can ask Mr Yazid for advice.

http://www.kwsp.gov.my/portal/en/web/kwsp/...-statutory-rate





This post has been edited by Tham: Mar 18 2018, 04:57 PM

Yup. The dividends are accounted separately, so the capital appreciation is slower. Not sure about the total returns, though, as I'm not interested in funds like those! EPF would probably be a less risky option with almost similar returns.

What do all these Classes A C, X , etc mean ?

http://www.cimb-principal.com.my/prs/downloadcentre.aspx

https://www.ppa.my/prs-providers/fees-comparison/

Oh, just the fees.

I thought they had different performances and risks.

Thanks.

I had some trouble registering in the PPA - said "invalid details or error".

Seems you must invest something the moment you sign up.

Then this PPA emailed me one week later asking for my ID and
phone number to activate my account.




This post has been edited by Tham: Mar 22 2018, 06:09 PM

CIMB charges $ 40 to open an account ?

https://docs.google.com/spreadsheets/d/1yiR...ers=false&gid=0


Seems waived for Class X. Wouldn't it be cheaper to buy this class then ?

But Class X is not listed in Fund Supermart, only Class C.

SoothSayer


These look like the top three performers.

The CIMB Dynamic Income looks a less riskier choice
- the NAV is relatively stable between 0.22 and 0.40, a change
of about 80 percent over the last ten years.

Seems even more stable than the PRS Japan fund (0.50 - 1.08),
a change of about 120 percent.

The Kenanga fund fluctuated between 0.73 to 2.25, over 200 percent.



This post has been edited by Tham: Mar 25 2018, 05:07 PM

Calculated on daily rest does not mean it is compounded daily as it just mean that it is calculated on 'days' instead of 'month' or others. It is actually compounded annually. And also the dividend calculation method is abit different therefore the calculator website may not be completely accurate. In the month the contribution were made to EPF irrespective of which day it is contributed, you only earn the dividend on the last day of the month. The following websites will explain it, scroll down below at 'How is EPF dividend calculated?'

https://www.imoney.my/articles/what-does-th...to-your-savings

And also https://1-million-dollar-blog.com/how-to-ca...e-epf-dividend/

I may be wrong though, someone please correct me if I am

This writer talks about why it is a mistake to opt for the
8 percent contribution rate when it was proposed last year.


However, the more important point it is trying to demonstrate is
what just a few extra percent of putting your money into the EPF
means to your savings over the years.


https://www.imoney.my/articles/epf-contribu...te-2016-8-or-11

How to do self-contribution?
Can we do it online?

https://forum.lowyat.net/index.php?showtopi...post&p=88313180

You should look at the volatility. Nav prices gets affected by div distribution. Btw i got 0 sales charges by investing prs through www.fundsupermart.com.my

There is a dedicated thread on fundsupermart at the finance, banking and investment thread. You can get help there.

Those that do not put their money in epf will be kicking themselves now. We are lucky kwsp was min impacted. Just that SR claims need to be investigated.

What are the REAL HARD TRUTHS

That Chinese do not TRUSTS the GOVT to handle EPF funds

The new Govt is STILL ASCESSING THE DAMAGE for all the FUNDS in Malaysia .

Until the results are OUT , I don't expect there will be much changes in how people perceive EPF !

Thanks for the info.

hi guys... only self-employed people can self-contribute?

This post has been edited by ashyxt: Jun 27 2018, 03:14 PM