100% agree, many ppl misunderstood tge unit trust concept. to put it in a simple way, The new fund could be launched at the price of rm0.25, rm0.50, rm1.00 or even rm2.00 per unit. But it doesn't mean that the rm0.25 one is better buy than rm1.00.

Many agents do not explain the truth to their clients. Are they just lazy or do not have knowledge on it?

yes u r right, Public Islamic Strategic Bond Fund is newer than P Islamic strategic bond fund, less than 1 year.

for the fund performance, why not just check the perforance chart available in the PM website, or just go to tge independent morningstar.com website, most of the agents need to refer to the same charts b4 answering u the questions.

do u meant
1) invest in a fund that run and managed by a mutual fund company that registered outside Malaysia like franklin templeton or
2) invest in a local mutual fund company that have funds in foreign equity exposures?

u can buy the same fund via 10 agents park under 10 diferent accounts.

no problem. Each of us may hv diff point of views and thus this is what forum for. I am not an agent, so my point of views are solely from the investors propectives.

Funds not open for investment

 Public Islamic Bond Fund
 Public Islamic Opportunities Fund
 Public Islamic Sector Select Fund
 Public Bond Fund
 PB Islamic Bond Fund
 Public SmallCap Fund
 Public Global Balanced Fund
 Public Ittikal Fund
 Public Islamic Select Treasures Fund
 Public Islamic Balanced Fund
 Public Islamic Asia Balanced Fund

Updated as at end of July.

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

last election that held on 8 March 2008

where got 20%? only less than 2%, if drop 20% I will jump in already

just discovered that what he meant is Market down 20points not 20%, if dropped 20% in the morning itself, many ppl will die....

PB Fixed Income Fund. Its Approved fund size - 1,015 millioms units, out of which RM905mil, or 856mil unit were subscribed as at 30 July 2011, which is 85% full. Those who want to subcribe in this fund, need to be quick, as those PM/PB bond/fixed income with good track records are sold out one by one.

US bond and T bills are downgraded, Asian bonds and sukuk are still safe as they are asset based.

It is reopen now, sure u can

It is listed in PM website under "news" portion. Agent usually have the 1st hand info from PM

P Small cap never reached RM1, i have invested in Small cap since it was launched.

yes, the news not updated in the website yet.
u can get the updates from PM agents from this thread.

What comment r u expecting? Fund past performance are avail in the PM website and also morningstar website

standing instruction/ direct debit instruction

well, for those who needs the agent service, 5.5% service seems reasonable, for those who do not need and do self research and know more than the agents, it will be too expensive to pay 5.5% SC. Ideally it shd be have 2 tiers SC, tier 1 with full service charge, tier 2 is say 1% SC, but it is very difficult to execute this idea.

the so called 0.2% p.a. career benefit on the loaded funds i guess is from the 1.5% annual management fee.
some funds even charged up to 1.75% annual nanagement fee. PM charge high SC and annual management fees due to:-
a) leverage on they are the biggest private mutual fund company and have among the best managed funds in the country
b) security commision has the closed door policy to foreign fund managers, so less competitions.

i just take Franklin Templeton Fund Management as example. This company has > 100 years experience in fund management,
i) the service charge for their funds is just 2% for equity fund if u buy thru the right channel
ii) Annual management fee is lower, like 1.25% for equity fund and 0.5% for fixed income funds.
iii) most of their funds do not pay dividend, so the dividend will be accumulated and reflected in the fund price, thus investor do not need to pay tax, mutual fund need to pay 25% tax on the investment incomedeclared b4 distributing to the investors, and it already taxed once when the invested company declared the tax and paid to the mutual funds.

Many ppl do not see the signicant difference on this charges, one can calculate the difference in ROI, if assuming you invest RM10k in day 1, and after 10 years how much u will get if both fund generates annual returned of say 15%. Calculation, as comparison, therefore will be based on
a) initial SC of 5.5% vs 2%
b) Annual fee of 1.75% vs 1.25%
c) 25% tax on dividend declared vs No tax elements