Noted What are your favourite EPF approved PM and FSM funds?

For FSM, let hear from other's input. Each got their different appetite.

For PM is as below, not in sequence and not fixed fund. Need to change according to the economic climate.

PISEF - invest in top 50 largest companies listed in Malaysia with Shariah Compliance
PRSF -to achieve a steady growth in income.
PIDF - Islamic Stocks with attractive dividend yield.
PFSF - medium capitalization in diversified sectors.
PDSF -non Islamic stocks with attractive dividend yield.

Just my own preference.

u really 100% in MYR

Here's mine...

For long-term investment:
- AmDynamic Bond
- OSK-UOB KidSave Trust
- Prudential Global Leaders Fund

For placing excess cash/reserve funds:
- OSK-UOB Cash Management Fund
- AmIncome Plus
- AmBond

n also,
PSF SAVING FUND
PIX - INDEX FUND
P ITTIKAL - ISLAMIC
PAGF - AGGRESSIVE GROWTH

FSM:
OSK-UOB Cash Management Fund (just to park funds for RSP, so it's mostly empty)
AmDynamic Bond
OSK-UOB KidSave Trust
Kenanga Growth Fund
RHB - GS US Equity Fund

Seems that AmDynamic Bond is everyone's favourite

Thanks, transit and kparam77 for the info on PM.

I happened to be at Public Bank today and brought home a bunch of PM brochures. Will need some time to look though them.

For FSM equity funds, it seems that OSK-UOB KidSave is a popular choice after Kenanga growth. But "KidSave" sounds so unaggresive

Personally, I like aggresive EPF approved equity funds that pays yearly dividends and has some overseas stocks exposure.

the most important is the prospectus, not just the brochures.

its better focus on capital growth rather than divdends for epf scheme. u r not going to spend the dividedns anyway. unless for cash and u want to use the dividedns.

U may not like dividends yearly by an equity fund.
Reason: When mutual funds distributes dividends, its NAV drops exactly the amount distributed AND to add insult to injury, the distributed $ gets taxed sometimes. Thus, waffor? Sandiwara only

+100

Wong Seafood the wisest

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Added on February 10, 2012, 9:19 pmKidSave Trust is a fairly conservative MYR Balanced Fund, capital preservation + steady growth, thus "KidSave"
But recently it has amended its mandate to allow diversification into Asia Ex-Japan markets, check its prospectus and latest Fact Sheet, got a bit HK & SG holdings in its portfolio now

Overseas exposure...take a look at HwangDBS Select Income Fund, my favourite fund for regular top-up
70% in fixed income, up to 30% in equities
Currently split between MYR assets and foreign assets is almost 50/50
but macam not EPF-approved...as far as I'm aware, EPF only approved funds that invest MAJORITY in MYR assets

This post has been edited by Pink Spider: Feb 10 2012, 09:20 PM

Just to share that Public Islamic Sector Select Fund (PISSF) will be closed for sales with effect from 1 March 2012 (Thursday).

Q4 Fund Size: 3,279.77 Million Units
Approved Fund Size: 4.375 Billion Units

For OSK-UOB Cash Management Fund:-

let's say I transfer RM5000 to buy the fund
assume Net Interest Rate* (%) = 2.981%
and Indicative Price = RM1.086800

How to count the units I'll get? what's net interest rate (%) used for?

Very blur2 on this fund...

OSK-UOB CMF is folo previous day pricing, IF u buy in b4 10AM on a working day

E.g. RM1.0868 is price for 09-Feb, and u deposit ur RM5K AND faxed/e-mailed FSM b4 10AM on 10-Feb, u will get
RM5K/RM1.0868=4,600.66 units

Published net interest rate/yield is just an indicative returns that u will get

This post has been edited by Pink Spider: Feb 11 2012, 10:40 AM

OSK-UOB Cash Management Fund is using Historic Pricing and not Forward Pricing like UT:



Details from FAQ: http://www.fundsupermart.com.my/main/faq/faq.svdo?id=9718

OK Thx for ur explanation...

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Added on February 11, 2012, 7:47 pmJust wanna know regarding the dividend payout by PM fund... like what u said "the distributed $ gets taxed sometimes" means that it's already deducted the taxed amount? Still need to declared the dividend in BE form when doing e-filling? Confuse... confuse...

How to determine whether the dividend got taxed or not?

This post has been edited by kabal82: Feb 11 2012, 07:48 PM

for HDBS funds, anyone knows where to buy their funds at a cheaper sales charge? HDBS normally charge 5.5% i guess.

How is the return?

9.8% p.a. for the last 3 years.

Select Income is 3%
5.5% is for Balanced n Equity funds

Not bad, look like better then Public Mutual one.

I currently invest in Public Mutual Select Bond Fund, last year return is only 5 to 6%.