Hi guys. My agent recently suggested switching from PCSF ( receive nothing since started investing in 2008) to PRSF so I can get some dividends by next April. How to calculate dividend receive if I switch now? Is it gonna be pro-rated? Thanks.

Fellow investors - dumb Q for Domestic Funds:
Possible post Election drop (Sep/Oct?)
VS
Possible QE3 by USA in Sep/Dec which will chase up equities in Asia

Which is more probable or they negate each other?
Just something to chew - food for thought heheh.

when invested knew nothing, only because the agent told me the unit price dropped half and it was the best time to enter so dump 10k inside in Nov 2008..then continue DCA till the past April. When the agent suggested the switch, he only mentioned just need my signature and by next April I'll receive dividends. There questions came across my mind... if that's the case he should have asked me to join PRSF at the very beginning... so I dragged his appointment. not gonna sign anything before I know more about UT. Currently, I've decided to stay after identifying my objectives... long-term investment and capital growth. I'm not making any loss at the moment, if the unit price goes back to its 52-week highest which is around 0.2..my capital gain will be 50%!! So, by that time I can consider switching part of it to dividend fund to lock my capital gain there.
Si foo, pls enlighten me whether I'm on the right track. Thanks.

Hehe - similar thoughts here since 2010/2011.
In fact, i put my $ where my thoughts are - and the results are nice
a. extra $ into REITs (local + foreign ) had the biggest returns for my 2011 & early 2012 tracking

b. consistently carrying on my programmatic investments for local funds & value sniping at local stocks (iCap at 25%+ discount over NAPS +PBank at 2011 low) though i'm holding back a bit of % (about 5% to 8%) for local funds/stocks investment.

---

Added on July 31, 2012, 8:25 am
I think most seasoned investors (myself included), do NOT lock-in an equity fund's profit by SWITCHING to another equity fund.
We usually (there are exceptions as always) SWITCH to bond funds as they are a different "animal" or asset class from Equity Funds.

IMHO, SWITCHING from Equity Fund A --> Equity Fund B, should only be for sub-asset class re-balancing (eg. generic to REITs focused)
OR
opportunity value buying (eg. PIX to PRSEC now since KLCI Index all time high VS PRSEC near all time low).

Just a thought 

U can invest DIRECT with your EPF savings...buy into REITs

u r saying, in addition to brokerage+clearing+stamp duty, u still have to pay admin/mgmt fees to invest with ur EPF money?

sorry I've not tried investing my EPF money, so dunno the fees involved

if that's the case, yea do it via REIT-focused UT seems a better idea

my 1 rupiah idea - look for dividend-focused UT fund with high exposure to REITs?

AMB Divident Trust is one I know...about 20% in REITs (mostly local, also a bit in S'pore REITs)

I don't buy UT thru banks and Public Mutual

Negative a bit bro... Do you read the REIT shares or REIT based UT fund performances historically (maybe can start from year 2008) for the Japan, US and Europe where they experiencing REIT value depreciation due to bad debt practiced in banking lending business.

It's a question above as I do not know, please share if you read that. So we can measure the risk of the REIT downside if it does exist.

Basically,I am feel worried and risky to buy high-end property (300K - 400K MYR condo in KL as for example) when I read the sad story of Japanese middle-income people shared their experiences in property financial. Their house price is much lower than the cost of borrowing and difficult to sell it of course.

Icic...hmm is it wise for me to use a little portion of my study loan for investment purposes?

Yes, i do invested in Kenanga Syariah Growth Fund.

Invested since last June this year. Profit @ 0.75%. Look ahead for more profit increase further but expect the loser side a bit based on current world economic scenario. KLCI still +/- weekly, it depend on the stocks holding by this fund.

Read further before make decision, perhaps everyone know the risk of the fund chosen.

I holding another fund with PM and profit @ 1%.

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.

I realize that this fund also had little portion in REIT as well. Huhuhu...

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.

Hello,

I have RM50k to invest, still young looking to increase my capital growth.
Willing to invest up to 5 years.
soo sifus, some questions:
1. How much gain am I looking at in 5 years?
2. How do I choose a unit trust? What should I look out for? Any recommendation?
3. Can I gain more by investing in different banks unit trust?
4. Is there such thing as dividen paying long term investments without buying stocks?
5. Should I focus on one investment, or spread out to others? (gold, stocks, etc.)

Newbie here,
thank you for any pointers.

Mr Wong,

I'm 60% equities, 40% cash. Currently adding 5% stock exposure every month.

If I'm into Singapore and China stocks, what's your recommended strategy for next few months?

---

Added on August 23, 2012, 3:02 pm
Yup, am currently putting the cash in a trust a/c that earns 2.5% interest 

yeah.. the problem is WHEN and HOW DEEP a discount/lelong

u buy STOCKS instead of funds?
Oi, salah thread, sini FUND Investment Corner
...and how low is really low...
...and do u really have the guts to jump in when everyone else thinks its the end of the (financial) world

In gambling dictionary, that is called Martingale

What if u run out of ammo to buy as it continues to go lower and lower?

Care to elaborate your 30-20-20?

U mean if it drops 30%, u buy
drop another 20%, u buy
drop another 20%, buy A LOT

???

---

Added on August 23, 2012, 3:44 pmHigh DY stocks, drop 20% also rare, 50% is fire sale already

Care to elaborate your 30-20-20?

U mean if it drops 30%, u buy
drop another 20%, u buy
drop another 20%, buy A LOT

???

---

Added on August 23, 2012, 3:44 pmHigh DY stocks, drop 20% also rare, 50% is fire sale already

er.. bro, 2008 fiasco, PBbank fell to $7.50 or less leh.
Nah, not based on my old foggy memory - i actually bought at $7.50