Those who want to switch to bonds, can consider Public Strategic Bond fund or Public Sukuk.

Public Regular Saving Fund is it consider a bond fund?

It is an equity fund. This fund has been around 10 years ++.

PEF, PSF will lai see lai niu.
PIX will be eating serious sheet right now

Invest in gold should be a good one..
My views and sharing on gold
http://bonescythe.blogspot.com/search/label/Gold

This post has been edited by Bonescythe: Aug 8 2011, 01:19 PM

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

If it is hold for long term purposes investment, then should be no problem.
I even hope it can be reopen again now, so that still can top up some, seems now the rate is lower .

PBFI no doubt is good. But problem is, i cannot switch into Public series anytime i want. I invested in PBFI too. I basically treat is as my FD

Check out Public strategic Bond fund from morningstar. Year-to-date performance better than PBFI. Nearly on par with PB Islamic bond/public bond fund/public islamic bond.

The only problem with PSBF, it is new, launched on 30/12/2010 if not mistaken. But nevertheless, u can less worry about it since it is a bond fund after all. Speaking about Sukuk fund, i read the details and it says similar to public islamic bond fund. And yet to see the holding details and upcoming performance.

KLSE red red red all the way....Hahaha it's good time to invest in equity funds now....

U sure it wont go down anymore ar? ie. catching a falling knife

If good REITs for dividends i understand lar but pure equity funds.. hm..

Bro, what are the formulas for the last two columns? The rates are very impressive!
Also, what fees were inccurred each time you pump in the money?

Huh?
The 2nd last column = simple returns
Current Value of Transaction / Cost of Transaction

The last column = pa returns
( Current Value of Transaction / Total Cost of Transaction ) ^( 1 / ( (Current Date -Purchase Date)/364.25) ) -1


Cost for PBOND = 0.25%

Impressive? bwhahaah this is bond fund wor - U should see the Equity Funds' i'm doing.

Anyhow, i'm just sharing something - PBond's returns seem to be going up, like in 1998 to 2003/2004. Those days it was hitting about 10%+ to 11%+ pa!!

This post has been edited by wongmunkeong: Aug 8 2011, 02:58 PM

I got it I got it Sorry I'm a dummy to some of the financial terms.
With the cost is it just 0.25% nothing else? That is so good
I only have a small capital currently parking at FD so cant go for equities lor

Dont rush. When rushing, mistakes / lapse of judgement happens.

Build a strong base first - debt free (other than property loans maybe), good buffer / emergency funds, enough insurance, then only start getting into Equities. If U are totally new, i'd suggest a simple 50% bonds + 50% equities asset allocation OR 33% bonds + 33% Equities exREITs/Properties + 33% REITs/Properties. The 1% U figure out where to put

My pocket is big
Hahaha..
Tomorrow another round, dunno is up or down.. Roller coaster ride everyday. 11 August 2011 might see the some light, or no light

its look like market recovering.. ....just now -46 and now abt - 27 points.

lets c how any points 2morow.

Market ain't going to recover any time so soon after all this free fall plunging..
http://finance.yahoo.com/#market_summary_europe

Now europe show. All opening lower.. Tomorrow, another gap down probably..

Now unit trust really can sau gong.. People will not buy.. Until unless reached some kind of sideway trading first

This post has been edited by Bonescythe: Aug 8 2011, 05:36 PM

By the way do you think RM70K is sufficient to go for investment? That is all that I have in bank

This post has been edited by monsta2011: Aug 8 2011, 06:24 PM

Sikit Sikit menjadi bukit, my rule of thumb, always diversify.

Yup but i wont go banzai and dump in one shot lump sum, UNLESS the market fell like a stone already and U see the heart beat nearly flat.... then ok. Even then, i'd suggest lump sum 50% only, hold the other lump sum until U see the trend is starting to go up. Just my thoughts - no hard & fast rules.

Before investments, U've covered all the other stuff like i've mentioned? if not, U better cover those first - imho, any $ ear-marked/dumped into investments should be thought of as $ gone into a timehole for 5 to 10years, ie. cant touch this (hammer time!).

Reason: If U suddenly need the $, U may be forced to sell at a loss.

---

Added on August 8, 2011, 6:44 pmCareful your diversify doesnt become die-worse-ee-fy

eg. U buy fund A & fund B & fund C & fund D & fund F... not know ALL THESE FUNDS are buying/holding Stock 1001 at maximum allowable levels (ie. 10% of total $).

IMHO, best diversification is ACROSS different ASSET CLASSES
eg. stocks (excluding REITS) VS bonds VS MM VS properties/REITs

This post has been edited by wongmunkeong: Aug 8 2011, 06:45 PM

There might be some technical rebound any days for now. Well, that is for short term look. Some agents might tell you it is cheap now. buy buy buy.