My crystal ball says it's around CNY next year

I'm not expert in this and don't trust me, but during this correction I sai lang on the lowest time based on my crystal ball technique

<joking>

There is no service charge / exit charge being imposed by Public Mutual for selling/redemption of Unit Trust fund.

So, your agent is not making any commission by selling it for you. But she might make commission if she later ask you to go back in n buy again...which is the 5.5% service charge.

If she ask you to switch instead, you need to pay rm25 transaction fees only and there is no extra service charge, and agent will not make commission from this as well.

SO, it might be better to switch into Bond fund instead of taking the $ out and go back in later to be charge 5.5% service charge again. If you do plan to take out d $ & not reinvesting it in PM Unit Trust later, then it is ok to sell

I juz simply type only...dunno ur agent is a she oso 
Your concerns are not unfounded...in these kind of market everyone is worried...Anyway, Bond Fund generally are quite safe, instead, it has move quite fast during the market downturn as people will turn their money to keep in Bond...a safer investment.

Else, you can consider taking it out and keep in FD...more safe. But just have to pay another round of service charge when you re-enter. But if you think this way is more comfortable and can preserve your profit better...go ahead.
Judge your own...

If you are a Mutual Gold member ady, switching is free...

Good to hear you get a considerably very good return in your investment 

Yes, I would advise you to do a switching too, rather than selling.
Since you do plan to reinvest again, lock your profits by switching to a Money Market fund.
If you are worried about bonds, money market is the safest in unit trust.
The return is comparative with FD, but you don't need to pay anything for reinvestment.

- I am a Public Mutual Inactive Agent. Just managed to pass Certified Financial Planner

- Top priority : Sell only when it is needed. Share with you what I know if you do not buy

Thank you for your compliment.

We are glad to hear that you took some profits on your investments acted on good advices from Public Mutual agents.

We believe you have moved your money to bond funds to earn some interest, also  in the right direction.

You might want to re invest back  to take advantage of the attractive market conditions later on.

If you have any doubts, you can always bring it out here, so we can try our best to assist you.

Regards.

From what been reported, foreign fund manager have been selling off especially on the big counters awaiting for the coming GE. Hence the tumbling of KLCI.

If the result of GE is unfavourable (i.e. BN did not have landslide or 2/3 majority...) the drop might continue.
Some analyst said usually after GE, KLCI will have some rally up....judge your own