There are only a few good bonds from PM/PB. mainly PIBOND,PBOND,PBFI,PBIBF. The rest of the bonds, are not worth looking into,underperforming

The best option u hav now is only PBFI, which is not bad actually

debbie, i'm looking from a neutral ground

a) partly you are to be blamed
- if u don feel confident/mis informed of a fund, don't invest until ur ready n know where ur putting ur money in. no one's forcing u
- technically, he's not 'forcing' u to invest THAT much, probably u fell for the 'promised' returns. There's no SUCH THING of a that. it's always well written, risk of NAV goin down/up
- there are always honest sharing in this forum of recommended/good records funds here. (PEF,PRSF etc)
- u can't blame him , it's ur choice to invest. (off course partly the 'pushing' factor from him)

b) agent
- as mentioned, he's only interested in reaping monthly income for himself. Trust me, most agents do not bother to inform/educate clients on buying/switching funds when market condition changes

I've gone tru some bad agents b4 (partly i was a noob lasttime). And thinking back, i got really mad of not advising me to switch on market condition. Having said that, i'm more educated on UT and shares (and still learning) and so far, my portfolio is quite ok so to speak.

There's no shortcut. u hav to sit down , understand and analyze UTs (diff geographical/holding/sector) invested in. Trust me, u will be better informed once u get hold of the whole thing

This post has been edited by kucingfight: Jun 9 2011, 12:40 AM

as for now, 'best' bond fund opened for investment is PBFI

There are some better/equal alternatives out there. Check out funds like Kenanga Growth and Syariah Growth. best of all, it's only 1% sales charge now. promo from fundsupermart. not all PM/PB funds are performing well...

in short, the only bond fund worth investing in now is Public Bank Fixed income.. PBFI

nope, not recommended..better stick to older funds that have proven itself, PGF, PIITIKAL, PRSF etc

better of with PBFI (public bank fixed income). Public Sukuk is new, and untested, better stay away from it first

Compound Annual Growth Rate (CAGR)

yeap why not, my calculator tells me even for a conservative bond fund, assuming 7% return, 0.25% service charge . @ 10years (initial 5000, monthly 500) , u would have accumulated around RM96,852

yeah me too, rode on it, when Psmallcap opened..n i quickly dump as much as i have during the opening..relatively not muchla 5k, n now it's spiraling down n down..only one making money is PBFI, PBIBF..and i put some in PSKF

Yes, im roughly on 50% bond - 50%equity

bond= PBIBF,PBFI,PSKF,RHB islamic bond
equity= Kenanga Growth (low charge n no dividend, which is good)

my underwater UT (invested blindly without financial education lasttime) - PCSF, PIADF, PFEREF, PIABF..not much la 1k each

still thinking whether to avg down on Psmallcap..kinda had bad experience with it now haha

if u hav PM online, u can c it

yeap agree with u..park most of my funds @ bond