Seems public mutual fee is not worth it

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

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

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

eUT SG --> this one ? https://unittrust.poems.com.sg/
any difference from this --> https://www.poems.com.sg/

is this the same company from eunittrust malaysia, just that poem is sg version ?
what do they earn if there is not fees at all ? earning from target incentive?

ah i see, thanks for sharing.
which platform would you recommend for sg stocks? saxo or poem ?

didnt know ibkr is good for holding sg stocks, reits, will explore since i have tsg account.
fsm here referring to fsm sg right ?

so poem is only good if you are into sg unit trust for their 0% fees ?

IBKR  0.12% or min SGD 3.75 is really awesome  
FSM 0.08% or min SGD 10 is good if amount is >12,500 , correct ?

Is it because SAXO are the fees? Or something else?

tiger cheaper actually with 0.08% no min

is there any referral promotion going on for fsm sg currently ?

Anybody into 0% promo trade for US stocks for POEMS just for this month only?

What is their actual platform fees on POEMS? A bit confused on their fees structure

SGD 2 per stock up to a max. of SGD 150 per quarter (7% GST applies)
Monthly charges are automatically waived if there are at least

(a) two trades in your trading account in the same calendar month, regardless of trade size in local or foreign shares OR

(b) six trades in your trading account in the same calendar quarter, regardless of trade size in local or foreign shares OR

© SGD 132 of paid brokerages in the same calendar quarter

A bit regret did not put bigger portion on this
Anyhow, if you know what you are doing and the risk involved, just go ahead.

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May i know do you guys choose which UT to invest in on your own and is it cheaper than say going thru public mutual?

Thanks for your replies. Much appreciated. I try not to touch my epf at all but right now I'm looking at the options and the returns. Have always been avoiding agents but I didn't realize that we can invest in UT on our own and save on the agent fees. I'll try to read up more on the fees.

That is impressive. Don't mind me asking, if I'm not mistaken someone made a calculation in this thread comparing if you take out money from epf to invest in UT with a return of 8% , with just leaving the money in epf for the compounded dividend, it's not that worthwhile taking into account the risk etc. But in your case just by looking at the returns, it is worthwhile right? Have you done a calculation on how much you would end up with, if you were to have left the money in epf?

I can sense a lot of people always recommend fsm and ask newbie to completely ignore public mutual. This is the performance so far for my publiv mutual fund. Consider both and judge yourself. Some people dont really know what they are talking about.

PGSF - one year old from the start of investment , additional investment during DIP only, lol my way of DCA. When i start investing i was charged 0.5% sales charge since the promo havent started back then.

PIALF- 6 month from the start, invest during dip only, the value shown on the screenshot is around 10% below the peak. This one 0% sales charge as promo already started.

Don't compare 1 year. Compare long term. Long term public mutual is name only and not much substance when compare to peers (fund that invest in same sector).

Combine that with years of under performance and service charge further worsening the performance I am staying far away from public mutual. Remember the fund need to make 3-5% profit just to break even for service charge while I don't need a fund to break even if my fund have no service charge.

Both FSM and public mutual service is top notch. I always receive answer/response on the same day.

People who say ignore public mutual usually see the sales charge n get turn off from it without actually researching the funds

I'm biased because I'm a long time public mutual investor, but I would say "public mutual can't perform" is a very underinformed mentality. Not as high as some famous funds like those in Kenanga and Affin but their growth is generally steady. PM's "weakness" is also a strength if investor is risk adverse.

I can sense a lot of people always recommend fsm and ask newbie to completely ignore public mutual. This is the performance so far for my publiv mutual fund. Consider both and judge yourself. Some people dont really know what they are talking about.

PGSF - one year old from the start of investment , additional investment during DIP only, lol my way of DCA. When i start investing i was charged 0.5% sales charge since the promo havent started back then.

PIALF- 6 month from the start, invest during dip only, the value shown on the screenshot is around 10% below the peak. This one 0% sales charge as promo already started.


Both FSM and public mutual service is top notch. I always receive answer/response on the same day.

People who say ignore public mutual usually see the sales charge n get turn off from it without actually researching the funds

I'm biased because I'm a long time public mutual investor, but I would say "public mutual can't perform" is a very underinformed mentality. Not as high as some famous funds like those in Kenanga and Affin but their growth is generally steady. PM's "weakness" is also a strength if investor is risk adverse.

guys .. means its best just keep the money in EPF? in general ya.. after minus fee etc

Hi, how does it work for you in long run? Is it better then hodl?

One of the fund return is 20% after near 2 years investment. My inital strategy is hodl till retirement and keep buying as i have strong confidence in this particular fund in long run.
But as the return is quite big, make me hesitate to keep buying, i'm thinking to sell instead.

Some funds are good, some funds are bad. Chances are you *might* pick a bad fund, or pick a good fund that later turn bad is very high.
In retirement fund, trust your government. They will guarantee your $$.

Nice one bro. Is the UT focusing on SPX? I would like to see the return over say next 10 or 20 years.

Still, I'm glad to be proven wrong.