You have not been reading right, that's why I said in my previous post, YOU must do the research, so that you know what fund you are investing in. You don't just go invest blindly into whatever fund that is recommended by agents, that is your mistake and no one can help you, and you are well deserve to get whatever gains or losses there is. Before I will even considering to buy a fund, I will do quite some research. Here are a sample of things you must read and understand.

1. General Stock Market & World Economy performance - I will not buy at peak, I buy at the bottom, DCA is rubbish.
1. Performance vs. benchmark 5 years minimum - I will not buy any fund which does not have min 5 years performance
2. Audited annual accounts - income, expenses, turnover, fund size, fund manager & policies
3. Fact Sheet - Monthly - Latest 6 months - Holding, percentage, regional risks, interest, equity vs. fixed income risks
4. Standard & Poors, Morningstar reviews - performance vs peers - I tend to buy funds which have dropped the least compared to peers during bad periods ie. 1997, 2001, 2008. Any fund will make money in a bull period, it takes skill to survive in bear.
5. Asset Allocation - You must have a proper asset allocation to diversify your risks.

You should not expect performance if you did not do your homework. It is your duty to choose, looks like you have bet on the wrong horse. In fact around 80% of the funds in the Malaysian market now is rubbish and most probably trailing the benchmarks (over 5, 10 year period). I will not buy those, will you? 

if we become own agent.. how much can we save from the 5.5% sales charge ?

Sorry to burst your bubble, PM agents dont get 5.5% leh hehe. PM itself makan x.x% 

I'm unsure whether PM will come & kill me if i post the actuals here.

It doesn't matter if the NAV is high or low, the investment stays the same. If you invest RM1000 (excluding sales charge), for example.

if NAV = RM 1 = 1,000 Units x  Rm 1 = RM 1,000
if NAV = RM 25 = 40 Units x Rm 25 = RM 1,000

The total amount is the same regardless, and the future earnings will be the same, so what is the difference? I have invested in funds which each unit is about 100+USD, it has performed better than my PM fund which is RM 0.25 per unit. 

Only those who does not understand how UT works worry about unit price and amount of dividend given, these are the tricks of the trade to fool the average investors.  These are the same thinking as some of my friends who says RM 0.10 share is "cheap" and those RM 10+ shares is "expensive" no matter what company is behind it 

Invest in UT has one thing to look at only, the NAV increment over time.

Dividend is deducting the NAV to pay you one, while being taxed in the process.

UT is not as same as invest in stock market/individual share directly, whereby dividend in individual stock is meaningful, while UT's dividend is not.

yes ur rite, buy low sell high theory is valid .most important, is to read up and research the background of the funds properly before buying. as we know, some funds are even struggling to break even @ IPO price even after 3years or more.

Generally, in bull market, equity will tend to outperform. Bond market usually moves inversely to equity. When bear market comes, agent will advise unitholders to switch into bond market to lock the earlier gained profit.

I won't say that the price will decline over time during bull market; let's put that the return is a more likely a constant of a relatively linear relationship and barely could outperform equity.

You can always buy a bond fund anytime as it offers stable and constant annual return. The return is generally higher than a 12-month FD.

Public Bond Fund is currently closed. You may want to look for other bond fund.

Here're the funds which are still closed:

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

Heheh - i think Public Bond fund closed liao for new & additional buying. There's alternatives like Public Strategic Bond Fund OR if U don't mind other fund houses' bond funds (which has been beating Public Bond Fund  ) - checkout AmDynamic Bond's 1yr, 3yrs, 5yrs stats.

BECAREFUL of amdynamic bond. It's fundamentally good , 0% sales charge. BUT, redemption (sellingback) there's 1% charge    . So let's say after xx years and u've accumulated RM100 000, 1% charge = rm1000 

My advice, start with PB Fixed income..no brainer, it's the better bonds of all u can invest now. Or RHB islamic bond fund is good too. 0% sales charge, 1% charge if u sell it back before 1yr. no charge after 1yr

Ah, here it is http://www.ambg.com.my/ambank_webmedia/fil...ndFactSheet.pdf
"Entry Charge: Nil
Exit Fee: Up to 1.00% of the NAV per unit"

Now i remembered my Q to the branch Mgr SS2 on Sat - "Backload up to 1%?!" 
Yup still, best to get it in writing what's the new thing now "Up to..."

I was told got new fund coming out.

Singapore fund.. something like this.. Can confirm?

download the prospectus here and fund report. read and compare..and u'll know what ur investing in better. don just invest blindly or listen to ur agent

like i've mentioned, u hav to compare the geographical, sector etc invested in. i personally will stick to malaysia theme fund

cons for mutual fund not limited to PSF and PIF are
due to higher fees than stocks, REIT, ETF
you need to invest for at least 3 yrs to have real profit
so u better don't need to touch that money during the first 3 yrs

I'm currently suggesting Public Ittikal Fund as it gives free insurance as well (at least maintaining at RM5000 investment with RM1=RM1 insured). You can get more information from Public Mutual office or get a UTC to share with you more info. Public Ittikal Fund just announced 8 sen per unit dividend. And it's one of the award winning fund.

Just my humble 2 cents opinion.