Endowment plan is down the road kid...from an insurance company. You've knocked on the wrong door, sonny.

Endowment's usual IRR is in the region of 3-4% p.a. Wrong product if you're looking for 7-8% rtn.

If you are conservative and looking for 7- 8%,

then...

take a high beta fund with volatility >20 %SD percentile it to abt 50% mix it with 50% low beta fund such as bond with volatility 3%% SD you might get a low/comfortable beta around 10-15% SD with a rtn of 7-8% . Mix and match with it until your happy. (If you think I am talking nonsense...)

then...

just buy a balanced fund; sit back & enjoy the journey to retirement.

Xuzen

Absolutely. As an example only, something like 20-30% equity fund and 70-80% bond fund. And maybe during a bear market, go 100% bond fund if you bother, or not.

sorry i visit the wrong place. so hong leong 'assurance' offers the thing I want.

so if im looking for retirement plan, PB unit trust is not suitable for me ? I need 10 year commitment with 7~8% return. I understand being risk adverse the rate I get is only 5% (bond), but I'm still trying to search for it.

PS: I want a guaranteed rate of return, not as volatile as the unit trust =/ past performance is not an indicator for future price? hahah

This post has been edited by alexkos: Mar 1 2011, 03:59 PM

not really the wrong place...u can build up ur retirement plan at unit trust...
but if u want the GUARANTEED, then u r really into the wrong place...hehe...

This post has been edited by rkg38: Mar 2 2011, 08:19 AM

Public Mutual emerges as the Biggest Winner for 8th consecutive year

Public Bank’s wholly-owned subsidiary, Public Mutual bagged nine awards out of 32 awards, including the most prestigious “Best Overall Fund Group” award at the Edge-Lipper Malaysia Fund Awards for 2011, held at the Kuala Lumpur Convention Centre on 28 February 2011. This is the 8th consecutive year Public Mutual has emerged as the biggest winner at the annual awards event.

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride at the outstanding achievement despite uncertainties in 2010. “These awards reflect Public Mutual’s commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said.

By winning these awards Public Mutual has to-date received a total of 169 industry awards. Tan Sri Teh dedicated these awards to Public Mutual’s Board of Directors, management, unitholders, unit trust consultants and staff for their unwavering support, loyalty and trust over the years.

The nine awards won by Public Mutual are:

No | Fund / Company | Category
1 | Public Mutual Berhad | Best Overall Fund Group
2 | Public SmallCap Fund | Equity Malaysia Small and Mid Caps | 3 years
3 | PB Asia Equity Fund | Equity Asia Pacific | 3 years
4 | Public Far-East Select Fund | Equity Asia Pacific Ex Japan | 5 years
5 | Public SmallCap Fund | Equity Malaysia Small and Mid Caps | 5 years
6 | Public Islamic Bond Fund | Bond Malaysian Ringgit – Islamic | 5 years
7 | Public Bond Fund | Bond Malaysian Ringgit | 10 years
8 | Public SmallCap Fund | Equity Malaysia Small and Mid Caps | 10 years
9 | Public Ittikal Fund | Equity Malaysia – Islamic | 10 years

Public Mutual is Malaysia’s largest private unit trust company with 84 funds under management. It has over 2,380,000 accountholders and as at 31 January, 2011, the total net asset value of the funds managed by the company was RM40.93 billion

URL: http://www.publicmutual.com.my/page.aspx?n...rls_110228_1400

I am interested in investing in unit trust, but I have a few questions.

[1] Is EPF Tabung 2 can be taken up fully to invest in unit trust?

[2] What other charges are incurred when buying/selling the unit trust?

Please clarify, thanks!

i read this one also, but then if u notice, P M loose out on the shorter term catagory, like the 1-3 years prizes. Is that because some other mutual funds already overtook P M?

you can only take out account 1 money.
Calculation is: (RM in account 1 - Basic) x 20%

Hi Jutamind, I can send Public Islamic Bond Fund historical NAV to you. Please send your email to me: utconsultant@gmail.com

thanks for the offer. dont need it anymore.

Dear Unitholder, We are pleased to attach the market wrap and bond market review for the week/fortnight ended 25 February 2011 for your information. Regards Customer Service e-mail proclaimer This e-mail and any attachment is intended for the addressee(s) only and may contain information that is legally privileged and confidential. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication and its contents is strictly prohibited. If you have received this email in error, please notify us immediately by return email or our hotline 036207 5000 and delete the document. This communication has not been transmitted via a private or secure link or in encrypted form and is therefore subject to the usual hazards of Internet communications, nor can it be guaranteed that this communication has not been the subject of unauthorised interception or modification.

SO Xuzen, hv u invested in PBIBF?

No. Since I am an agent of PBMutual, PBIBF will not give me any commission, it is not justified for me to go PBIBF.

Xuzen

Public Bank's new fund to invest in mid-to large-cap stocks in Asia Pacific

Public Bank is launching a new fund, PB Asia Pacific Enterprises Fund (PBAPENTF) on 8 March 2011. PBAPENTF is an equity fund designed to allow investors to capitalise on the long-term growth potential of a diversified portfolio of companies with market capitalisation of US$1 billion and above in domestic and Asia Pacific markets. PBAPENTF is managed by Public Bank’s wholly-owned subsidiary, Public Mutual.

Public Mutual’s Chief Executive Officer Ms. Yeoh Kim Hong said PBAPENTF provides investors with the opportunity to invest in mid-to-large corporations which are better positioned to benefit from the resilient activities in the Asia Pacific region due to their financial strength and dominance in their respective industries. As such, these companies tend to have leading positions and established market shares which will enable them to perform well during favourable and challenging market conditions.

“After a strong rebound in 2009, global and regional equity markets continued their uptrend in 2010 amidst improving economic activities. Despite the recent spike in oil prices, regional equity markets are expected to remain underpinned by reasonable valuations and resilient economic growth prospects over the medium-to long-term. Although monetary policies of selected markets are anticipated to tighten in 2011, real interest rates are envisaged to remain low to sustain investment and consumption expenditure,” she added.

To achieve increased diversification, PBAPENTF may invest up to 98% of its net asset value (NAV) in selected Asia Pacific markets which include South Korea, China, Taiwan, Hong Kong, Philippines, Indonesia, Singapore, Thailand, India, Australia and other permitted countries. The equity exposure of PBAPENTF will generally range from 75% to 98% of its NAV. PBAPENTF is suitable for investors who wish to participate in the long-term growth prospects of a diversified portfolio of mid-to large-cap stocks listed on domestic and regional markets.

The initial issue price of PBAPENTF is RM0.2500 per unit during the 21-day initial offer period from 8 to 28 March 2011. The minimum initial investment for the fund is RM1,000 and the minimum additional investment is RM100. During the offer period, there will be special promotional service charges as low as 5.00% of the initial issue price per unit. Investors who opt for Direct Debit Instruction with PBAPENTF during the offer period will enjoy a special promotional service charge of 5.25% of NAV per unit for as long as the Direct Debit is active. Terms and conditions apply.

Interested investors can contact Public Bank’s unit trust consultant at any branch nationwide or call Public Bank’s free-phone at 1800-22-9999 during normal working hours.

Public Mutual is Malaysia’s largest private unit trust company with 85 funds under management. It has over 2,380,000 accountholders and as at 31 January 2011, the total net asset value of the funds managed by the company was RM40.93 billion.

URL: http://www.publicmutual.com.my/page.aspx?n...rls_110310_1400

Anyone investing in PB Asia Pacific Enterprises Fund (PBAPENTF)? Or should we wait after the offer period over? Since today got earthquake hit Japan somemore not sure whether to dip myself in it. Any comments?

@Akane Soma
My take is always wait for the promotional period to over and especially during such hot times

Dear Unitholder, We are pleased to attach the market wrap for the week ended 4 March 2011 for your information. Regards Customer Service e-mail proclaimer This e-mail and any attachment is intended for the addressee(s) only and may contain information that is legally privileged and confidential. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication and its contents is strictly prohibited. If you have received this email in error, please notify us immediately by return email or our hotline 036207 5000 and delete the document. This communication has not been transmitted via a private or secure link or in encrypted form and is therefore subject to the usual hazards of Internet communications, nor can it be guaranteed that this communication has not been the subject of unauthorised interception or modification.

UT in PM can do like FD with flexible month tenure like 1 month, 2 months or 3 months?

How flexible you want? You intend to sell (cash out) even though you're not in profit?

Sorry, I thought UT like FD with interest return, now i realized UT like share market calculate by unit price.

Besides, I plan to invest POGF, the latest fund. What you had on mind?