A should take profit and return money to EPF account.
Why? Because shouldnt withdraw to expose oneself to stock market with retirement fund.
Only play with spare cash
Thanks Max...
Anyway attaching another viewpoint for readers/bloggers/advisers.
Region Sector Fund
-which sector? Fund managers select 3-6 growth sectors focus on portfolio in index-linked, blue chip & high growth equities in medium-long term.
-which countries? 50%-90% of fund NAV can be invested in South Korea, China, Japan, Taiwan, HKG, SGP, Philippines, Indonesia, Thailand and other approved markets.
Dividend Fund
-portfolio of equities that offer attractive dividend yields on a regular basis
Any discussion/advice much appreciated. Cheers.
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I would not go into a Bond Fund at this stage.
For the investment in Region Sector Fund, it really depends on which countries and in what sector.
If it is into Vietnam and India, there is still growth. If it is into oil & gas or alternate fuels there is good potential.
If the dividend fund is into Blue Chips I will keep it as the dividend yield would outpace EPF dividends plus there is the potential for Capital Growth.
However, if A is rather conservative, take the profits and run. However, when A gets back into Unit Trust later, A will have to pay a new set of hefty upfront fees.
Anyway, this is just my view.
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