QUOTE(mars1069 @ Feb 20 2012, 12:54 PM)
yes, you rephrased my question 1 correctly

so, when u talked about switching, does it mean switch it to Bond Fund only? But how about funds that purchased with EPF? Which fund to switch if Equity(EPF) is not doing well? ThanksÂ

Yup, i meant to SWITCH from Equity <--> Bond funds
1. to "Exit Equity" but when U dont need the cash
2. vice-versa to re-enter Equity later
Similar with EPF purchased Equity funds JUST THAT instead of getting cash, Fund house pays back into yr EPF A/C1 if U redeem/sell back to fund house. Thus, lagi worse (as in U cant touch it till 55) than cash - no reason to redeem/sell back to fund house, thus SWITCH is a better option if U look at long term management of expenses vs returns.
As to yr Q on "which fund to switch if Equity(EPF) is not doing well?"
a. Note - there is no such thing as Equity(EPF).
b. If U meant, "which BOND fund to switch.."
Personally, for PubMut, i switch between the Equity funds <--->PSBF.
There are other Bond funds which are "EPF approved" too if i'm not mistaken. Check it out on their website, under News/Communications i think.
c. If U meant, "which Equity fund to switch.."
No idea leh as i'm unsure of your personal appetite of risk/rewards, expectations and entry/exit methodologies

. Sorry yar.
NOTE: U may want to consider Money Market fund if/when interest rates soar, rather than Bond Funds, no right/wrong yar.
Hope the above helps more than
Just a thought
This post has been edited by wongmunkeong: Feb 20 2012, 01:24 PM