Agreed. That's why for new investors they suggest IPF and SIPF.


Uncle, IPF is for medium to long term investment, you can always checkout their website to download the fund factsheet or call their customer services to explain to you, i think they are quite helpful and more than willing to share with uncle the difference.

I personally put both before, MPF is rather safe is just slightly better than FD rate, but FD although higher risk, but looking at their credit profile and sectors allocation in fund fact sheet, most of the holdings are quite liquid. As at June, the portfolio yield for IPF is 3.4%, MPF is 2.5%. meaning to say the bond holdings that they had in the portfolio, without any movement and they hold it till maturity then that's the yield you may gain from the investment.

But uncle has to understand, higher risk, higher return or higher loss. That's the main difference from my point of view.

Uncle, MPF normally for the fund that we gonna use may in one year / emergency fund bcoz almost same rate with FD (sure hard to beat inflasi) . IPF use for the fund for medium to long term investment (if u r Conservative investors) in case u need it if urgent oso may b loss a bit.

understand and thanks for the explanation

duit dah masuk so let it be lo
i put 10k each

can u put the increament or decrement percentage as well?

You can take over if you want.

i think the percentage increase/decrease got not much meaning, it depends on what NAV u bought, how many units and when

so daily increase/decrease in RM is enuf information for us

actually why need to update nav here?

actually i also dunno why

If annoying, you can click on the Report button
This service is absolutely FREE and no charge will be billed to your bank account/credit card/e-wallet.

This post has been edited by GrumpyNooby: Jul 21 2020, 12:30 PM

thank you so much for the insight

actually, it's not annoying. just that it will be considered as abuse to get more post counts.

Just click on the Report button.

Some even said put this, put that somemore.

This post has been edited by GrumpyNooby: Jul 21 2020, 12:41 PM

don't be triggered, just a simple question. we are all long time lowyat user, although ur latest account is recent.

may i know where can we see the bond maturity date? or rather do we need to know the bond maturity date before investing in IPF, is it necessary ?
what happened if i bought the IPF today and the bond maturity date is 1 month from now, does that mean will most likely loose money as the bond is expiring soon ?

and why are some sifu here still timing the market, selling off the IPF before the nav drops ?

FM will disclose this info in their monthly FFS.
But info in this sheet is historical.
Even you know this info, it's out of control to do anything.

IPF FFS: https://www.opusasset.com/wp-content/upload...v=1595307295812

Thank you for your good act to post the NAV update here.

actually nav is very much more helpful, if you compare it to ur nav as TS mentioned.

Can't beat the new user who hit 4 figure post count! Salute uncle got so many time monitor the market movement.

I check this topic daily, but since posting NAV can keep this thread live!
See what happened to MyTheo thread? I think no one bother to talk about it now.

I also long time lowyat user, but MIA for 10 yrs plus before returning.

yeah, no doubt he is a contributor for lyn