option 3 is better for time being. or lock profit at bond funds.

personal opinion;
p ittikal is one of the pioneer/best islamic fund from PM. and u only invest for less than 2 yrs. so, let it be.

no recommend...but.. suggestion only....
Public Dividend Select Fund,
Public Growth Fund,
Public Islamic Dividend Fund,
Public Regular Savings Fund,
public saving fund,
p ittikal fund,
p index fund,

ask her to read the prospectus first for the involved risk.

PISEF is aggressif.. our freand asking for medium/moderate funds.

as long EPF ada, im loyal to local markets.

but i never missed to withdraw my epf every 3 monthss...

wat i mean is invst in local funds where epf support it.

what is ur cost per unit?
cost per unit = total amount u invest / ur total units.

yes.

what is PVS?

u cannot escape from SC and others charge/fees from mutual funds. u can get lowest SC from FSM.

i believe u hv max $ in ASB, emergency funds is not issue for u. plan wisely abt ur other commitment before commit for mutual funds. some time dont focus too much on charge/fees..... educate urself how to max ur returns in any investment u do.

its better u start with small amount on regular investment instead put a large lump sum. if u below 30, and a passive investor, force urself to save ur money in mutual funds monthly.
choose the funds which is match with ur risk tolerance. normaly for equity funds, the expactation around 7 to 10% compounded return in long run. if u get 5%, its still better than FD saving, if u get more than 10%, take it as bonus.


basicaly accumulating units is more important in mutual funds. what is ur goal. income or capital gain.

income is u get distribution income annualy and spend it. (bond/MM/dividend funds)
u need to hv more units to receive more income annualy.

capital gain - focus on capital appreciation in long run.
same if u hv more units, the gain is higher.

so, try to accumulate more units towards ur retirement and transfer ur money to income funds to receive income annualy.

so, u hv to plan how many mil units u need to hv for ur future.

simple example;
bonds funds can give at least 5 sen per units.
let say ur monthly expences RM5k = rm60k annualy

rm60k / rm0.05 = 1,200,000 units. which is equel to around rm1.2mil.

so, u hv to invest in equity fund until u achieve rm1.2mil and switch to bond funds for annual income.

if u start early and re-invest the distributions(compounding interest), u may achive the units with lower invested amount than rm1.2 mil.

u can choose wahtever methods,...... DCA,VCA and any other methods u know to achieve ur targets.


for short term, dont invest in mutual fund.

make sure u and ur wealth, well protected with insurance.

my suggetion/sharing only.

the highlight only an example.

1. u hv to set goal how much u need in the future in unit trust.
2. work on it.

try this... http://www.publicmutual.com.my/InvestmentP...Calculator.aspx

i hv more than 10 acc/funds in PM funds.

PSF,
PIX,
PIDF,
PSSF,
PISSF,
PISEF,
PITTIKAL,
PAGF,
PISTF,
PIOGF,
PRSF,
PIEF,
PDSF
PSBF,


I'm investing since 2007 and regular top up every 3 month. mainly from epf. i keep my stop lost at 10-15% for switching to bond funds. luckly never reach 15% since 2009.
but hv paper lost in 2008. but recover back.

initialy when i become UTC, i simply hantam all the funds which going to decalre dividedns/distribution.my mistakes...... waiting for right time to switch to 4 to 5 acc only. if i c no bad affect, plan to leave it.

another reason is as a UTC, i believe shud hv diversified to more funds. my another mistake.

u will get all. ur distribution will be in difff cheque.

NO, they will bank-in the amount to my saving acc

just joking,..... no worries, they will issue another cheque for the distribution.

its maybe FSM is an agent.. not UTMC.

my thought only.

Bullish on fixed income products.

http://www.btimes.com.my/Current_News/BTIM.../allys/Article/

LOCAL MARKET, almost touching the ceiling, BE-CARE-FULLLLLLLL

read how to calcualte unit trust in my signature.

dividends or in UT term distribution is given as income from the fund.

2 types of benefits from UT.

1. capital growth.
2. income.

if u young and want to grow ur wealth, go for funds which focus on capital growth.

if u retiree, go for income funds. capital growth is 2nd priority.

distribution is meaningless for growth, but it is important for those look for annual income for spending.

lets say if u manage to grow the value abt RM1mil, upon u retire, switch money to income fudns like bond. assume 1 unit rm1, and u may hv 1mil units. assume 5 sen declare as distribution annualy. u may get rm50k whcih can spend it annualy.

not all the retiree will switch to bond funds, some still stick with growth/equity funds and the distribution is meaning for them too. some may hv more than 1 mil units which can give more income annualy if still 5 sen declared as income.

so, in UT, the more units u hv, its may give more capital growth and more income respectively.

read the given prospectus at least 3 times for better understanding abt unit trust.

http://www.publicmutual.com.my/LinkClick.a...tA%3d&tabid=105

for the current market condition, inveting rm50k lump sump is not a good idea. better split it and cannot confirm abt the returns for the next 5 yrs. for me its still short term. the longer the better for the rewards. and it depends on the fund performance. u need to choose which fund is cater for ur investment objective which is capital growht with ur risk tolerance.

read the funds objective and difference in prospectus http://www.publicmutual.com.my/LinkClick.a...tA%3d&tabid=105

dividedns only declare annualy(if any) and u can re-invest it without any issue.