thxxx for the advise and ratings extremely helpful for noobs me who does not have a good financial knowledge

Im kinda confuse here actually , i was going through the Public Mutual Quarterly Fund Review ,Quarter 4 Dec 2010 on the Annual Returns for Financial Years Ended 31 Dec. I noticed in 2008 it was -28.32% . Does this mean that example ,I invested RM6000 and will I loose all the Rm6K for year 2008 ? . In addition , RM2K(EPF Account1 ) from the Rm6 invested also burnt ?

Help me clarify cos I don;t wanna risk my EPF savings

This post has been edited by cherylds: Apr 14 2011, 12:10 PM

If u invest RM6k and the return is -28.32%, it means u lose RM1699.2. You calculate it this way. -28.32%/100 x RM6000 = -RM1699.2.

Public Smallcap Fund open for investment again!!

where to check?

Haven't announce in web but as an agent I got firsthand news from the company directly

oohh ok ok.. got it ., understand better now
gonna start investing in small figure

i just ask my agent and he told me the same thing. Open on 18th april. Problem is, we are not allowed to switch from current bond/equities into public small cap right? If i sell current fund, when i buy back i have to waste 5.5% charge again . This is by far the best fund so far from public mutual right? 10years performance is like 425%, mean 42.5% per year?

Yeap, but to me I think its worth the charge since the fund performance is quite outstanding and is so far the best performing fund among all unit trust in Malaysia. The previous time of its reopening only valid for two days only

I recalculated again. I found that 425% actually include capital. Weird At least i am officially elite gold member . No more bmw plan

Annualized compunded return formula is (425)^1/10. Not 425/10.

Xuzen

Since you got at least another few hundred K's in bond funds as well. Maybe there is room for a bmw... a smaller one perhaps?

Which one is more recommended, hold several equity fund or 1 equity, 1 bond?

Completely depends on which funds you hold, and your risk appetite.

some member mention that all equity more or less the same,
so, if invest less than 5K, just focus on 1 equity only

again, depends what your aiming for
-risk appetite, time horizon etc

for me, i would mix the egg, some equities and bonds

If you have 1 million cash, sure just dump 5k into equities. No sweat.

If 5k is your entire life savings, that's probably not a good idea.

It all depends. You have to understand the reasoning behind what people said, and whether it applies to you or not, and not simply what he said, she said.

Okay, okay!
It seem there's no easy answer for that.
Need to learn more.

Guys, how to invest in this PM unit trust fund?

how much is the minimum investment?

Is it risky or reliable?

How much is the interest rate? above 5%?

Just sign up with an agent, and minimum investment is RM1,000.

Based on past performance, the CAGR (Compounded Annual Growth Rate) for most local equities are above 5%.

I see. Is it considered as a risky investment or a reliable investment?