PBFI is not too bad, last year it manage to get about 9+% and on average it been getting me around 6% p.a. for the last five years.

PIBF - About RM 13,000 - Std Deviation 1.41%
PIB - About 16,200 - Std Deviation  3.26%

PBIB - New fund.

The above is the reason which I do not favor PIBF over other PB funds, because i see no point in taking less earnings for ~1% lower standard deviation. So far I am still very satisfied with PBFI risk/performance. Well that's just my opinion. Feel free to add. 

PIBOND is closed right but PBOND is still open for new subscription right?

Smallcap is open now? most of the time i heard it is full

i don't think now thr right time to enter.
too high edy.

i now collect bullet to enter when the market go down

Interesting idea, how to save 0.5%, never occurred to me. As long as you have a target fund in mind, don't have to pay 25 bucks or at least the 0.5% is reasonably more than 25.

UT with no dividend means no tax. If you sell the units in the UT, the money you gained is considered capital gain and not taxable. 

guys i wanna ask about elite gold member. It says that we need at least 500k in order to become an Elite gold member. 500k means total money we have in PM or just pure capital? thinking to top up another 3k to become one though.

urm ... im new to pm ... can anyone suggest me a source to get an insight on this ...

Public Mutual: The 5 Star Funds rated by Morningstar Rating™
These days, rating has become so important to the extent that rating can seriously affect the sales of a certain product. So now I will like to list out the funds rated 5 Star (which is the maximum) rated by Morningstar Rating™, and their fund managers for the excellent jobs in making these funds profitable to the extent of 5 Star.

Public Aggressive Growth Fund (PAGF)
Designated Fund Managers:
Tan Yan Heong
Lum Peck Woon

Public Equity Fund (PEF)
Designated Fund Managers:
Tan Yan Heong
Lum Peck Woon

Public Growth Fund (PGF)
Designated Fund Managers:
Tan Yan Heong
Lum Peck Woon

Public Regular Savings Fund (PRSF)
Designated Fund Managers:
Tan Yan Heong
Chen Yuet Fong

Public Smallcap Fund (P SmallCap)
Designated Fund Managers:
Lum Ming Jang
Tan Yan Heong

Public Enhanced Bond (PEBF)
Designated Fund Managers:
Chan Kam Khoon
Chiang Kang Pey

2008 is an example of a year where it is good to switch.
What will happen for the rest of 2011? It can continue to decline or suddenly come back up again, key is to just follow the trend.

@Aurora Boreali
PBOND is closed for investment, including AI but DDI.

The next best bond fund in terms after the closure of PIBOND & PBOND is PSBF. I am saying this from the Sharpe Ratio point of view.

Xuzen.

Sharpe ratio for past 3 year period for 
i) PB Islamic Bond (PBIBF) = (7.24 - 2.86)/2.70 = 1.62
ii) Public Islamic Select Bond Fund (PISBF) = (4.67 - 2.86)/1.80 = 1.01

The higher the ratio the more risk adjusted better performing the fund.

So PBIBF is a good one that is still open for subscription. Kindly take a number and queue up at your nearest Public Bank to subscribe.

Xuzen

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

Sharpe ratio for past 3 year period for 
i) PB Islamic Bond (PBIBF) = (7.24 - 2.86)/2.70 = 1.62
ii) Public Islamic Select Bond Fund (PISBF) = (4.67 - 2.86)/1.80 = 1.01

The higher the ratio the more risk adjusted better performing the fund.

So PBIBF is a good one that is still open for subscription. Kindly take a number and queue up at your nearest Public Bank to subscribe.

Xuzen

If one has invested in Public Savings Fund, PSF (Public Mutual Oldest Fund) from 31st December, 2001 till 31st December, 2010, one would have made a Total Return of 214.45% and an Annualised Return of 12.12% pa. This result is obtained without clients making any switches in the past 10 years despite major disasterous events such as 9-11 (2001), War against Terror in Afganistan (2002), SARS (2003), War Against Terror in Iraq (2003), Tsunami (2004), US -Subprimed Mortgaged Crisis (2008), Pandemic H1N1 (2009) and Euro Crisis (2010)[/b][/color]

Do u know that if u invest direct in Public Bank share in 31 dec 2001, and how much is the return by now? i guess at least 3x more than the Public Savings Fund. Can anyone justify it?

First of all, I have no idea when it comes to Public Bank Berhad direct equity investment return rate in the past 10 years.

The risk and return relationship depends on clients risk appetite. There is no doubt that by having to invest directly in the equity market will have the potential of making larger gain, provided if investors would have done proper research, have sufficient capital to invest in certain companies that have larger trading price per unit of share and understand the risks that come along with it.
Unit Trust is designed for those who has money, but time & knowledge in the investment industry and at the same time, would like to enjoy adequate returns that is able to combat the ever increasing inflation rate with diluted risks through diversification.
FYI, Public Savings Fund invested in Public Bank Berhad as well and at a cap of nothing more than 12% of the total Nett Asset Value (NAV) of the fund. This is part of the practice of any unit trust fund as to promote "diversification".
For more information pertaining to "Diversification" and "Asset Allocation" in Unit Trust Fund, you are welcome to email me at danielle.hu@hotmail.com 

Thank you & kind regards,

Danielle Hu
Unit Trust Consultant
Public Mutual Berhad
Million Dollar Producer, 2010
22nd NSC Trip Qualifier, 2010

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Added on March 30, 2011, 1:20 pm

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Added on March 31, 2011, 12:14 amNo, it's not.

Investing in a single share is definitely not "always" better than investing in a diversified fund. Far too many reasons to list why, here.