FBM KLCI at as 16 October 2009, 6:45 am reach a new year high of 1256.77points. Any comment in terms of effect to PM unit trust?

Switching from an equity or bond fund to a money market fund....this vice verse??? as well?? Still FOC?

I have PMO access. Could it be linked to PBeBank?

money market is suitable for long term or short term? if i 1 2 swiitch my fund to park somewhere when market bad until it recover, which is better, money mkt or bond? thanks.

my cash investment in China fund just few K, that's not much but my PISSF & PISTF total bout 40K from EPF. now PISSF & PISTF is making 14% & 10% respectively since I bought in Apr 08 & Aug 08.

Since i m making more than the interest paid by EFP, just thinking to park my funds somewhere now until mkt go down again then swtich to fund again. If i dun switch now, i m afraid when mkt go down my earning gone too, then no actual gain, just in paper gain/loss, no meaning. my funds just recover since may, b4 that losing money except china fund still not recover.

any advice for my case?

hi all,

i have bought china titans since Apr 2008.
i only put 5.5k there, and now it's making 22%.
after deducting all the expenses, i have 800 remaining from my salary.
any advise on how should i spend it? should i buy another fund? maybe bond fund?? or any other suggestion?

Maybe u can buy other equity funds since u already have china fund in your basket. If you are a risk taker, u may consider Public Mutual Far East Proeprty & Resort Fund (which invest in REITS and properties company). If u put in RM100 1 year ago, u will get RM200 by now, nearly 100% return. IMO, Property market in Far East is still doing good. If u are not a risk taker, can try the balance fund or bond fund.

cheah and jordy,

thanks for your advise.
i have 5k in my saving account, i think it's sufficient as my emergency fund.
i understand that historical performance is just a reference, but at least it will help us to filter out some bad performance fund, agree?
like other export has said, when i start to invest, i will try not to put all eggs in just one basket.
most probably, i will retain the china titans fund, look for one bond fund(maybe put a few k here).
then only look for other higher risk investment.

Jordy, if my agent (friend) is prfessional enuf, she shld advice me to park my fund somewhere when recession time last year, but she didn't say anything. Maybe she also scared make wrong decision for me. Anyway, I already expected there is risk coz this is investment & I aim for long term & also as long as the interest is better than EPF then I happy enuf.

Oh no.... the market does not move a lot, what is happening??? Is this good for Malaysian economy?

Bro any fund to suggest for a beginner like me?

But problem is i dunno when is winter or when is summer..... Which funds is high risk and which fund is low risk? Totally noob in this investment thingy....

same here... really like to start learning this investment stuff.... can someone please teach us noobs on what to look generally before making any investment?

And how do you speculation the coming situation? I heard that we can study the graph, but how?

last time I got bought the South east Asian fund during it's initial release but the market was bad and till now I'm still not able to recover my loss yet.

By the way, I'm thinking of buying the Natural resources equity. What do you experts think?

Bro Jordy, so you mean investing in this natural resources fund will most likely viable eh? And, do you have any recommendations on where can I find sources for unit trust? Maybe any books or online reference? Sorry, I'm a noob here. thanks for everything

Haha than got any professional financial consultant to intro me in Penang area?

I would like to know more about unit trust..
any agents can pm me ?

Morning,
Is there a switching charges from PCSF to PBMMF?
Is there any amount limit for switching?
Can i switch half of the investment?

The total amount of investment you have before the payment, and the total amount you have after the payment are still the same.

Which means there is absolutely no point in knowing when the payment date is, or how much the distribution actually is.

All it is is a marketing gimmick designed to catch people who didn't know any better.

I think what howszat tried to say is,
distribution doesn't increase your total balance/amount, so do not expect your total amount to hike after the distribution.  Statement will only show you the date of the distribution if that's all you care about.

Errr. David,

What do you mean? With UTC or no UTC present I still pay the standard 5.5% service fee. Sorry I do not get your point.

Xuzen

Hi Jordy/UTC,
Can I know which PM bond fund is currently closed?

few days ago, I saw a mail from some UTC telling that PBOND and PIBOND is closed. I would like to confirm with you guys...

Hi,
  If i switch from my equity fund to bond bund, is there any 5.5% impose on my bond fund or only pay the switching transfer fee

Good client like me seldom pay 5.5%. Max I have pay is 0.25%. Truth be told, I think some of your bond funds are quite good.

There are good funds other than PM that have lower charges. It is good when one is using fundsupermart, a one stop shopping center for UT. And we can shop for the lowest charges like in a supermarket.

Also a small footnote, the services provided by UTC e.g. can easily be replicated by technology aka Online e-banking.

Yes I agree that not all UTC are "pesky", but the one I have been exposed to is. The adjective pesky does not apply to you, if it makes you feel any better.

Xuzen

This has stopped me from investing with PM for the last few years. After i knew that i know more than my UT Consultant, I read >100 articles on economy/finance/investment topic a week. I would say many UTC only knows how to sell, they do not read and only rely on so called the weekly market updates from PM research team report once a week ( and i doubt how many UTC really gone thru the report and use the info/knowlege to advice their customer?) they do not know the market well enough to advice their clients. They are more commission/sales driven rather than a good consulant. What i have said here is the MAJORITY UTC, maybe our dear friends Jordy and David83 are exceptional.

The only funds that i buy from PM now is their bond fund, with the initial charge of 0.25%. PEB and PIBond funds are the cream of the crowds.

I agree with those who said UTC are nothing more than sales people and provide little added value.

About the only monitoring they do is to keep you informed about new funds, hoping maybe they can make a little commission off you.

There are not any that monitor in terms of advising when/what to buy and when to sell. If they exist, and they are any good at it, they would have been appointed Fund Managers, and not remain as UTC.

I could be wrong, but i did not meet 1 or 2 UTC to conclude, i have been investing in PM > 10 years and i am a Public Mutual Gold member. I have met a dozen of UTC, most of the UTC may inform u on new fund launching, or ask u to sign up the monthly saving investment scheme, but they do not have much knowledge like u do, like i said u r an exceptional, if i ask them why shd i invest in China Titan Stocks compare to China small cap funds? or why and how AUD exchange rate and its interest rate will afffect the Aus Equity performance, or why Emerging market will perform better than US/Europe market in the next 3 years? then they may not able to answer me or giving their views.

In most developed & matured country, only those special trainned personal are qualified to sell investment products to the public, like those with Charted Financial Analyist or Certified Financial Planner qualification. In the case of HK, not all bank staffs can sell unit trust to their customer, only the well trainned CFP can do that.

I may not meet 30,000 UTC to confirm what i say "majority" UTC are not knowledgable, but i guess u did not meet enough 30,000 UTC to confirm that majority are good and qualified to sell right?