instead of Feb, i will hold my equity funds till March....usually the coroprate will keep the record good until the end of 1st quarter, april onward could be worst. so i will switch to bond b4 end of march.

Hmmmm, interesting. For a small fry like me, I can't switch my smallcap fund to other funds, can I?

Why not? If you refer your PM prospectus right, page 31 you can see all the switching charges and rules. It will cost you RM 25 (free if you are mutual gold) to switch to another loaded fund, so you no need to pay the 5.5% again. Switching is extremely useful for UT, either to re balance your holdings or play your UT like share market.

I am surprised that your UTC never mentioned about switching for you, which is an important strategy for UT.

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Added on January 5, 2010, 10:16 pmI am think i have enough gain liao, been holding a big bunch of UT since Oct-Nov 08. Anyway i am switching gradually, so can gauge the market conditions. Looks like you are pessimistic on 2010 as well eh?

This post has been edited by gark: Jan 5 2010, 10:16 PM

i am a businessman, just smell it from my business performance compare to 2008/2009, and use it as an indication....i deal with European/American/Middle eastern and china.

It does looks like the party is going to end, with everyone talking about the asset bubble looming, possible interest rate hike and japan defaulting on it's loans. If all these happen, both equity and bonds will suffer greatly...

hmm...how to become mutual gold members?need to buy certain amount of UT?

You can need to achieve certain amount Mutual Gold points. I think should be 1 million.

Your statement should have displayed what is your current MGQP (Mutual Gold Qualifying Points).

Don't scare the guy with wrong info lar.

You need to buy a minimum RM100,000:
http://www.publicmutual.com.my/page.aspx?n...tualgoldelite01

Opps ... I cannot remember the exact figure; it's either 100k or 1 million.

Guys, what are your views on Public Islamic Asia Dividend Fund? Feel like topping up further but waiting for the CNY rally to be over first....will the market recover by then? Or still more bad news from the economy?

you cannot time the market, nobody has the crystal ball to tell u the market will go up or down, so u need to analys yourself.

RM25 for each switch? Hmmm... not bad ma....

Nope. My agent never said anything about switching. I haven't receive the PM prospectus yet. Will read it when I receive it.

Thanks a lot. Looks like I need to work harder though. Still quite far from that target.

Now internet age can get the latest prospectus, audited accounts and monthly factsheet online already leh . No need wait for hard copy to be delivered.

PM Prospectus (Latest)

Oh, that's the prospectus. I downloaded it yesterday but already deleted it!

hi all,

Just curious. can we top up our investments by using CDM (cash deposit machine) in public bank?

Hope any UT agents can shed some light to my question here.

Thanks in advance.

This post has been edited by clement8115: Jan 8 2010, 10:58 PM

I don't think so.

This post has been edited by David83: Jan 8 2010, 11:21 PM

yes u can as long as u have the 9-digit fund account number.

You did that before?

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