A wants to maximise UT fund returns --advice sought

[tcg82]

Objective: A wants to maximise UT fund returns

Scenario A:
In 2006, A withdrew $55k to invest in govt approved unit trust funds
25k in a region sector fund and 33k in local dividend fund
Todate, region sector fund stands at 30k and dividend fund at 45k

Given current market sentiments, should A
a) do nothing and reassess later in the year
b) switch these two funds to (a defensive) bond fund (and incurring switching fees)
c) take profit & return monies back to EPF
and wait untill after next market correction / crash before switching back to equity funds?

Can anyone advise which of the above actions should be taken to maximise A's UT returns?
Cheers

[Maxforce]

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 

[tcg82]

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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