DDI is just mean every month or every period of time, you automatically invest some money into a fund.
Whenever you invested money in a fund, they charge you entry service charge and on top of annual management fee which is standard, disregard you are investing in lump sum, or DDI.

There is no such thing of professional help you to manage your money.

You invested into ABC equities fund, the fund manager will use your money to invest in stock market. They cannot invested into bond fund or whatever else, disregard how bad the equities will be or how well bond fund will perform.
They are obliged to invest in equities if it is an equities fund, while they can only decide the portion to invest in equities, and what kind of equities.

Please have the right mindset, fund manager is not going to manage your money, they only manage the fund according to the fund objective.
When you put money into a China fund, they have to use your money to buy China stock related, and not Malaysia stock or US stock.

22 yrs old, can save rm2k for investment. good move jeffrey.

since u r very new to UT. and if u cannot wait.
why not u just start with rm1k and DDI rm100 only  just for PCSF. at the same time educate urself abt UT too. subscribe to the edge personal money willl useful for u.

the rest of the money, just park in FD first until u really understand wht is UT abt.

putting 40% from ur salary in 1 fund is not a right move/ wise idea for u. eventhough ur risk factor is very high aggressive.

do hv any insurance? if not buy insurance first. medical card  enough with full coverage. investment link policy is not fit for u because u r very aggressive for high return.

just my 2 cents.

If you are not familiar with UT/fund, you can start with small sum at first, then keep the rest of money for future.

DDI can be bad if you are not knowing what you are doing.
DDI can be bad if the fund is not performing.

There is needless for one must adopt DDI to invest into a fund.

Agents surely promote hard on DDI, because it means more and constant commission from it. 

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Added on January 12, 2012, 11:00 amThere is one fund that loss 60% over 4 years time frame, if doing DDI on this fund, it sinks you into deeper hole only.

Agreed with cherroy, whether is Malaysia National Eelection or not this year (2012), it does not matter or I would say no direct relevant to the fund's performance.

PRSF is one of good fund...- JeffreyYap  Go go go...but remember not to put one big lump sum lo.
This fund has re bounced fast enough from RM0.62xx to RM0.64xx in the last few weeks. hehe...I have a portfolio > +50% for this fund. (Invested 3 years ago)

ur DDI amount?

bro, u 1 shot dump RM2K meh...start with the minimum, then slowly buy in small sums every month/bi-monthly mar...

Mathematically, lump sum would be best if "fund is performing afterwards". DDI just helps diversify over time (vs Asset Classes or sub-classes)

y u buy public mutual?

its fund not at the top 10 of the chart on 3 yr lipper ranking

Cherroy, Lunchtime Q is...... kparam77, tell me should i DDI in PCSF, PCIF? because according to you DDI averages the cost of purchase but to me, the fund is still losing money after 4 years of DDI.
how u answer this, shud lunchtime do DDI for PCSF or PCIF?

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Added on January 12, 2012, 2:42 pm
SC for RM100K, let say 5% = RM100K x 5% = RM5K.

if break the RM100K for DDI, let say monthly Rm500 for 200 months with the same SC.

Rm500 x 5% = RM25
= Rm25 x 200 times
= RM5K.

so, the agents commissions from the SC too.

so, its either lump sump or DDI, the SC is same.

agents will get steady/constant commission but not the more.

http://www.publicmutual.com.my/application.../fundprice.aspx --> Daily Fund Price

Please always ask your servicing agent on your Profit/Loss Statement at least one quarter once since he/she (That servicing UTC) is earning the S.C. It is his/her role to update you frequently on the fund performance from time to time. The UTC can see clearly accessing your account. The PMO won't tell you the average cost per unit of your fund. But for expert such as Wong/Cherroy/kparam, I think they can calculate themselves without accessing PMO or any CAMS's P/Loss Statement. I also can calculate without referring without referring to CAMS. (provided some basis information provided at first place)

You may do any trading in PMO (Public Mutual Online) after the company receiving your new application form or you may register online through PBebank.com website. (Under Investment in the Left Menu after login to PBebank.com)

Please take note PBebank.com is the Public Bank Banking Platform while PMO is Public Mutual Investor Trading Platform. DO NOT confuse on these 2 platforms. As for future top up or redemption or switching transaction, you may always logon to PMO to perform the transaction. It is faster than asking your servicing agent to submit form. However it is their role to update you your fund's Profit/Loss Statement at least once per Quarter (3 months). My practice is normally once per month to all of my investors without any miss so far. (For the past 12 months)

Glad that you begin with RM2k in PRSF....Keep rolling    Bye for now.

kalau macam ini ASB pun kalah.

not possible in UT.

the expectation in UT from 5% - 12 % average. (equiy funds), BONDs 5 - 8% average.

if follow rule 72. double ur money vs yrs.

72 / 5% = 14.4 yrs.
72/8% = 9 yrs.
72/12% = 6 yrs.

so, its abt 6 to 15 yrs to double ur money in UT, if follow the RULE 72. and it depends on the fund performance too. this rule may not  suit for bad  performing funds.

my personal view only.

dont simply ask with limited info's..... kparam77, tell me should i DDI in PCSF, PCIF? because according to you DDI averages the cost of purchase but to me, the fund is still losing money after 4 years of DDI.

do u think im only tag with PCSF, PCIF?

its ok now, let me move for u.......

how much u invst until now?
waht is ur initial?
ur monhly DDI?
how much u lost already?

or, r u asking want open new acc and do DDI for those PCSF, PCIF?
if u want to open new acc, wat u undestand from the financial report, fund rewiev and waht is stated in prospectus abt these funds?

if u say u already read but not understand, U BETTER STAY AWAY FROM THESE FUNDS, BECAUSE U NOT UNDERSTAND ABT THE PRODUCTS.

UT policy says, investors must read and understand the prospectus.

I DONT CARE WAHT OTHER AGENT OR NON-AGENTS SAYS, IF U ASK ME...... U NEED TO GIVE WAHT I EXPECT FROM U TOO.

JeffreyYap, pls read previous threads & versions of this topic + the public mutual topic/thread (current and past).
U'll find out that one can EVEN have more than 1 account of PIX or PAGF or any funds (due to different servicing agents ). eg. U can have 2 PIX accounts, 3 PAGF accounts, etc.

Of course other than that, you'll find even more nuggets of knowledge from fellow forumers by DIGGING for them and reading yar 

No one knows bro.. To be safe, you can do lump sum on bond fund or wait for world economy crisis like in 2008, then buy the equities funds.

PM is overrated. Winner for MYR Bond fund for recent years have been AmDynamic Bond, delivering annualised returns of 9-10% CONSISTENTLY, and best of all, it's available thru FSM, at 0% service charge