That is pure BS, he just want to earn partly from the sales charge. If you buy yourself from epf-mis portal, you can get 0 % sales charge and he will not earn anything from you.

Just as a reminder, 0% sales charge is temporary until next year april IIRC. As for FSM , the sales charge for epf-mis is 0% even after the next april 2021 but other fund house such as public mutual will start to charge 0.5% afterwards.

Register for FSM and public mutual online and proceed to invest through epf-mis.

This post has been edited by backspace66: Dec 2 2020, 06:06 PM

You don’t need thumb print withdrawal

Go get your online epf log in and try it yourself
Many good and helpful people here that can help you if you encounter any issues

Seems public mutual fee is not worth it

Better learn and update man. All the complain is before the existence of epf-mis portal(august last year) which enable you to invest yourself with zero or near zero sales charge (public mutual 0.5% after next april 2021)

Majority of unit trust in Malaysia are rubbish. I will say 90% of them.
Only some are good ones. The good ones easily 10-20% returns every year. Living proof.

Public mutual was never any good. Never buy unit trust based on brands.

Since it’s still 0% sales charge, you should grab this opportunity

And yes, like all the sifus say there’s so many other better funds available in epf-mis

Base on history, EPF returns are doing much better
Am not going to take out money from EPf to put into UT

think 20 times before parking money in UT. I havent had good experience, to me let it compund in EPF is better.

Or if you can take out, buy gold.

Although a PB Bank shareholder, I used to be a PB Mutual hater due to the weak return over the years, BUT they surprised me this year



This post has been edited by cklimm: Dec 2 2020, 08:46 PM

agree. our local fund managers underperform as compared to overseas one. Not to mention the various sales charge and fees.

That's only true if
1) you pick lousy funds which is majority of what's being sold. So chances of picking the lousy fund is very high considering majority of it is lousy
2) you blindly buy without what fund to buy (ie listen to agents)

That's why learning how to analyze unit trust is very important.

Overseas also the same. Only a handful of funds are good to buy overseas.

This post has been edited by Ramjade: Dec 2 2020, 09:19 PM

Ramjade, may i know why you buy from eunitrust sg instead of fsm sg? Also, do you mind sharing which fund u bought in Singapore? TQ

I got some surprise this year as well. One of my 3 years old fund yield 30% return (10% p.a. on average), sold it already. Another fund I bought early this year is seeing 27% return already, despite less than a year. Previous years all my funds are either at loss or below 5% return.

FSM SG have quarterly platform fees while eUT SG does not have quarterly fees.
Both zero service charge. So why should I pay FSM SG for quarterly platform fees when eUT SG is not charging me? What benefits I will get from FSM SG to warrant that extra charge? Nothing.
Both have the same fund.

Schoders asia growth
Blackrock World Tech funds
- You can pick any tech funds, is just I like this one

I only have this 2 and they are good. Giving me almost 30% returns already.

Any EPF-MIS funds exposed to US market?

Try check this out?
It is at abt 39.5%
Principal global titan fund
https://www.fsmone.com.my/funds/tools/facts...c=global-search

i think cannot go wrong with good funds. i using hit and run method. anytime my epf fund i invest using FSM hit 10% i will take out. then put back in again. cos sometimes fund like china one very volatile, anytime can hit 10% in 1 month. if i can hit 10%, i already get so much better return compare to EPF.

may i know which fund did you invest in?

if you are in KGF and been investing consistently, you should be positive right now instead.

I think this keep in EPF vs use EPF money to invest in UT, depends on the risk appetite of the individual. For example, 59 vs 24 year old, a person with millionaire parents, person with 6 dependents vs bachelor with no family, etc.

Also important is that the person has some financial knowledge, personal interest and time to analyse UT.

This post has been edited by ChessRook: Mar 31 2021, 02:46 PM

UT is not like share market, u put in today, then tomorrow cash out. Is a long term saving for compounding purpose ma.

If you wanna see a big untung, then go forex, or those money game.

Just my 2cent.

Recently I got look into some equity fund that has average around 8-10% return. Not bad what?