There is no affordable offering from Public Mutual. Not sure from other fund houses like HwangDBS, OSK-UOB, CIMB and etc.

pm changing their new form again....nia mah.....i damn hate this....always need to buy a new form....buy nvm, but scare ask my client sign the old form and then cannot submit it.....nia sing..... they should inform us by email saying that their form cant be used. at least we all this inactivate agent know what the new form mah....kaninia

i heard from an agent tat PM Unit Trust Consultant hv2 recuit ppl to join as agent every year?
is it true?

damn... make it like mlm

How about those who become a UTC and invest themselves?

oh ya..10q 4urs info lah..
actually i decide 2join my friend as PM UTC..but he said tat need recuit ppl leh every year....tis made me blur ady..haiz...
Another ques is: if i joined under him, but i also dun even recuit ppl..then he also can do anything on me lo..is it?

Current funds are CHEAP!! I'm so excited. A part of me wants to wait, a part of me wants to horde as much cheap funds as possible

@Kingkong

Those who buy with a monthly standing instruction with the bank tend to gain more compared to one off purchase ( in a down trend market )

I do agree with what you say.

Timing to buy at the bottom is quite impossible, and you get to know the bottoms only the markets are up substantially ( when you wait and see  that it is really  a bottom ).
My 2sen opinion.

i had invest 10k on itikian public mutual..

since last year till now..not even 1 year..from 2.5 standart drop till 1.9 now..

crazy..!!
anyone have such feeling so?
feeling told me.. public mutual will be launch a new fund..withhin 2-3month
how abt those old one?they just like put aside didnt pay much attention on it..

i think i want to sell all my UT in public balance fund.
but will loss about 20% amount that i invest
should i sell now or wait...

If interest rate being raised rapidly (I don't think BNM will do it), balanced fund might not balanced anymore.

Interest rate goes up, bonds price goes down.
Interest rate goes up, equities generally don't perform well.

Personally I don't like balanced fund. If really want to have a balance portfolio, then better split the initial money to invest one equities fund and one bond fund, like that you have better control on the balance issue as well as reduce the intital service charges.

Equities fund charges you 5% initial service charge
Balanced fund also charges you 5%
Bond fund generally 1%

So you bought balanced fund 5% charges incurred.

Split the money into half to buy 2 fund,
Equities fund 0.5 x 5% = 2.5%
Bond fund 0.5 x 1% = 0.5%

Total charges = 3%

You save 2% if one uses the initial money to buy 1 equities and 1 bond fund compared to use all the money to buy 1 balanced fund.

But since the forumer had bought the balanced fund, switching to bond fund might not a good choice, unless expect a big drop in equities and see bond fund as temporarily park place to reenter the equities side, then it is workable. Otherwise, it is much more advisable to keep on, as it might a bit late to do anything out of it.
So it depends on people view and expectation from the equities side currently to judge how should one doing his/her money.

Just my 2 cents.

how to sell our fund?
directly go to public bank
how long will it take.

Bro, you misunderstood. He means redeeming the fund

mr_ashraf,

Call up your agent and sign the form to sell. Or if you lost your agent, call in to any Public Mutual branch and ask for redemption form.
Just fill in your details and sign on the spot. Pass it over the counter and it will be done for you. Mark as "walk-in", but you need a photocopy of your IC.
The process takes up to 10 calendar days for your money to be credited into your bank account

this mutual fund using epf im getting confius about it. Can anyone tell me more how we do business with it.

Hello, i have 6k +/- units in unit trust.. and it is handled by my mom, she bought it 5-6 years back. Now i'm start working n start to concern in investment so i checked with my mom, the agent has switched the fund to Public Money Market Fund recentlty.

is this a good fund to invest at the moment? i check the price and it is 1.1 at the moment.. should i ask my mom to switch to fund that currently at low price e.g growth fund..

what u think?

any recommended fund? b4 this i heard growth fund is good

hey bro,we are in the same boat..
really deepshit..
the time i brought with invest Rm5k 0.25
now the new result for today 0.1295
if now,i wanna take out my money?
how much it will allow me to take out?
 

really lose confident..

NO matter what happens, don't take your money out now. Otherwise, you've just did what many fall trap to.

Buy high sell low.

Wait and hold till it goes up. Buy high sell high and not lose so much

I signed up for Telemutual, thinking I could get a summary of my account numbers (i forgot which funds I have now)
But the system need me to input my acc num first
Waste of time...now have to get acc numbers from agent, then only can use Telemutual