i only has MILLION-AIR.....VELY VELY LONG WAY TO GO.

KLCI expected reach 1700 by the end this...hopefuly.....

ppls always never forgot the first time UT investment. me too.

sign up blindly during the pick time 2007 than sit/ watch below the capital.

than i educate my self abt UT , get the license and now manage by myself.

ya-lah br0..this is was predicted by CNBC yesterday. receive SMS form my boss-leh

Felice82,

u still need to open seperate acc for PSF, since epf acc cannot mix with cash acc. Open for cash min RM1000 for PSF and sign up min Rm100 DDI.

waht our fren wongmunkeong @ trying to tell is, u put in bond fund first from EPF and hold it has cash (macam FD-lah) , than from bond fund switch to PSF or any other equity fund regularly when u feel correct timing for equity.

about the charges.....0.25 service charge from EPF to bond fund, whe u switch from bond fund to equity funds, 3% SC. but if you go to equity fund direct from epf, its only 3% which is curently u practising.

so, u will lost abt 0.25% if u do this way. (EPF -> BOND -> PSF)

From 2morrow/ 1 july , some changes on switching charges, pls go to p.mutual website/ read at prosspectus abt the switching charges.

sometime I also confuce to understand abt this switching charges.

kiddo_z,
u mean balanced fund (60% equity , 40% non-equity).... it good be better, but not the best.......equity funds is the best.

calculated without service charge.
RM10,000 / RM1.08

total units purchase = 9259.26 units

as at 30/6/2011
= 9259.26 x RM1.1936
ur investment value = RM11051.85

Gross distribution = RM0.0575
total gros distribution = 9259.26 x RM0.0575
= RM532.41

u will get abt RM532.41 from RM11051.85

the balance will be RM11051.85 - RM532.41

= RM10519 with the same total units 9259.26

today (1/7/2011) the fund price should be open as RM1.1936 - RM0.0575
= RM1.1361

closed at RM1.1359.

ur distribution RM532.41 will be re-invest back at RM1.1359 which is RM532.41 / RM1.1359 = 468.71 units

so, ur total units will be 9259.26 units + 468.71 units
= 9728.12 units.

this is base on gross distribution, after deduct the relevent charges from gross disribution, by calculation net ditsributon, ur total units should be a bit lower than this.


i hope u undersatnd with this calculation.

u will get the distribution stsmnet with before dis, the unit price = RM1.1936 , and after dis, price is = RM1.1359 and accumulation of units.

unit trust is pooling of money, that mean ur 15k togather with others money.....its will about a few millions. the invstment value will be change due to price movenet. on the financial yr end, the trustee fee will be calculated on FYE units price (on that day invetstment value for all the money)

for example investment value (Fund Value) shows RM300 mil.so, subject to max 0.08% will be deucted from RM300mil, or min RM18k from RM300mil.

u wil recieve interim/annual reprt abt the trustee fees.

---

Added on July 2, 2011, 9:55 pmto apply PMO, u must register as an account holder with PM. that mean u must invst with PM. either EPF or cash with minimum RM1000.

if u hv joint holder for cash, only the the first holder will be known as the owner of the money.... so, PMO only can register for the owner.

---

Added on July 2, 2011, 9:59 pmyes, u correct. the fund objective is To achieve capital growth over the medium to long-term period by investing in a portfolio of investments primarily in the Singapore market.

This post has been edited by kparam77: Jul 2 2011, 09:59 PM

go to transaction request, initial investment or additional investment, next ,next until complete. not need to trasfer all in one trnacastion. buy when the price is low.
by the by, which fund is ur target and why?

i already forget the activate steps. call customer service at 603 - 6207 5000, they will guide u.

unit split to reduce the unit price. no meaning for me. same investment value. it will attract more invetors for cheaper price.

pro - unit split - no tax charge / less unit price. can buy more units for cheaper price, if the fund predicted will do well.

cons - no change on investment value.

call customer service at 603 - 6207 5000 for the status.

---

Added on July 5, 2011, 3:55 pmAnyone can share this 80% missing from the returns in 65 years.?



This post has been edited by kparam77: Jul 5 2011, 03:55 PM

Currently some of Public Mutual funds selling like hot cakes.


Public Islamic Select Treasures Fund (PISTF) will be closed for sales with effect from 18 July 2011 (Monday)

I can top up, still got a few weeks for my EPF withdrawal.

don't know yet. no affect for existing DDI.

PIEF and PIDF still allive since the big fund size.

now PIBF n PIABF closed pula......

Closure of Sales for Public Islamic Balanced Fund and Public Islamic Asia Balanced Fund

We wish to inform that Public Islamic Balanced Fund (PIBF) and Public Islamic Asia Balanced Fund (PIABF) will be closed for sales with effect from 22 July 2011 (Friday).
We will continue to process investments from existing Direct Debit and Regular Investment instructions.

its shows how much malaysian trust Public Mutual funds.

1.yes., NAV per unit. if the unit price RM1.00, the SC will be RM0.055 per unit, if the unit price is Rm0.80, the SC will be RM0.044 per unit.

every transaction will be charge SC.

2. yes, switch + SC. if swich back to BOND later, only switch and no SC.

3. yes, u can read it at PM master prospectus for every charges on every fund.
http://www.publicmutual.com.my/OurProducts/FundProspectus.aspx
the fees will be deducted from the gross distribution (if any), or from the fund itself (if no distribution).

4. Not at all.

5. as per given link http://www.publicmutual.com.my/OurServices/FirstTimeInvestor.aspx or,
PM me at kparam77@yahoo.com for futher details.


best of luck.

KLCI down 14 point today.

Service Charge- During offer period:

Below RM5,000 : 5.50%

RM5,000 to RM9,999 : 5.25%

RM10,000 and above : 5.00%



After offer period : Up to 5.50%

Special Service Charge for DDI - During offer period : 5.25%

yes,

i beleive u fully understand abt UT concept. if not, get an agent, educate urslef abt UT before decide for this FUND.

do not invest blindly bcoause of cheaper SC. understand how thr fund structured/risk/asset allocations/sectors.......new fund, we do not know how the fund going perform in future.

anyway - DDI at lower SC is good for long term, to accumulate more units and average down the buying unit price.

if u high risk taker ... go head.
--------------------------------------

Invest in Unit Trust is with your OWN RISK.

Launch of Public Islamic Treasures Growth Fund (PITGF) and Public Sukuk Fund (PSKF)

http://www.publicmutual.com.my/LinkClick.a...IN8%3d&tabid=87


We are pleased to inform you that Public Mutual will be launching Public Islamic Treasures Growth Fund (PITGF) and Public Sukuk Fund (PSKF) on 19 July 2011 (Tuesday). The following are some of the pertinent features of the fund:


PITGF

Main Features- To achieve capital growth over the medium to long term period by investing primarily in small & medium sized companies which comply with Shariah principles.

Asset Allocation - % of NAV

Equity = 75% to 98%



The fund will invest in small and medium sized shariah-complaint securities which have promising growth prospect in the medium to long term period. It will invest in market capitalization of up to RM6.0 billion at the point of purchase or companies which form the bottom 30% of the cumulative market capitalization of the market which the stock is listed on at the point of purchase.



The fund will focus its investment in the domestic market. Up to 30% of its NAV in foreign markets which include South Korea, China, Hong Kong, Taiwan, Singapore, Philippines, Thailand, Indonesia, Australia, Luxembourg and other permitted markets.



Issue Price - RM0.2500 per unit

Target Market - Investor with aggressive risk-reward temperament and can withstand extended periods of market highs and lows in pursuit of capital growth.

Service Charge- During offer period:

Below RM5,000 : 5.50%

RM5,000 to RM9,999 : 5.25%

RM10,000 and above : 5.00%



After offer period : Up to 5.50%

Special Service Charge for DDI - During offer period : 5.25%



Switching during offer period - Switching transaction involving PITGF are not allowed EXCEPT from low load units.



Offer Period - 19 July 2011 to 8 August 2011




Click here for for details - http://www.publicmutual.com.my/LinkClick.a...Hc%3d&tabid=154


PSKF


Main Features- To provide annual income through investment in sukuk and Islamic money markets instruments.

Asset Allocation - The fund will invest in a diversified portfolio of sukuk and Islamic money market instruments.


Invest up to 30% of its NAV in foreign markets which include Singapore, Japan, Hong Kong, Australia, United Kingdom and other permitted markets.


Issue Price - RM1.0000 per unit

Target Market - Investor with conservative risk-reward temperament and seek stability of annual income with some safety principal.

Service Charge- Up to 0.25% of NAV per unit

Special Service Charge for DDI - Not Available



Switching during offer period - Switching transaction involving PSKF are allowed

Offer Period - 19 July 2011 to 8 August 2011


Click here for PITGF and PSKF master prospectus - http://www.publicmutual.com.my/LinkClick.a...K8%3d&tabid=105

---

Added on July 23, 2011, 12:01 pmnormaly i don't advice my clients go for new funds, unless my clients willing to take higfh risk. it is better to indentify the existing fund at least 3 yrs and above. recommended by FIMM. (But sometime better funds will drop too in near future).

if the exixsting funds price is high, it shows that the fund performing well. u stil can enter to that kind of fund, but u must be educated abt risk management. ask ur agetn abt risk management.

u still can invest in new fund if u hv confident. local funds perform similar but not same.

DO NOT BUY THE PRODUCT WHICH U NOT KNOW/UNDERSTAND.

---

Added on July 23, 2011, 12:07 pmu correct.... i made mistake by advice my clients go for cheaper price too. it take some time for me educate myself abt the diff between rm1.00 and rm0.25.

good funds is not depends on unit price...it depnds on the performance.





This post has been edited by kparam77: Jul 23 2011, 12:07 PM