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 Public Mutual v2, PB/Public series

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kingkong81
post Mar 28 2010, 03:20 PM

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QUOTE(imax80 @ Mar 28 2010, 02:35 PM)
I wan to invest in U.T, below are my calculation for total units,service charge,dividen and total investment after distribution.  The figure use is for example calculation only.
Fund A
Price per unit = RM0.2500
service charge = 5.5%
Total Investment = RM5,000

Total Units = RM0.2500 X 5.5% = RM0.0138
RM0.0138 + RM0.2500 = RM0.2638
RM5000/RM0.2638 = 18,953.75 units
Total Service Charge = RM0.2500 X 18,953.75 = RM4738.44
RM5000 - RMRM4738.44 = RM261.56
Let say on distribution day
NAV = RM0.30
Dividen = RM0.05 per unit
18,953.75 units X RM0.05 = RM947.69
Total investment = RM4738.44 + RM947.69 = RM5,686.13
Let say after distribution day
NAV = RM0.25
Reinvest dividen =  RM947.69 / RM0.25 = 3790.76 units

so,
total new total units = 3790.76 + 18,953.75 = 22,744.51 units
total investment after distribution = 22,744.51 X RM0.25 = RM5,686.13
is my calculation above correct? appreciate any comments

Best Regards  icon_rolleyes.gif
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Almost correct.

The calculation used in PM....

5.5% s.c., rm5000 cap, unit price 25sen

Amt after s.c = 5000/1.055 = 4,739.34

s.c paid = 260.66

amt of units = 4,739.34/0.25 =18,957.36 units

avg cost price per unit = 0.2637/unit

--- Dividend is paid to you without you needed to top up your capital.

therefore, the dividend given should not be counted into your total investment. So, your total investment remains at rm5000

0.05sen dividen x 18957.36 units = RM947.87 (gross dividend before tax)

Reinvest at 0.25 = 947.87/0.25 = 3,791.48 units

total units = 18957.36 + 3,791.48 =22,748.84 units

avg cost price per unit after distr reinvestment = 5000/22,748.84 = 0.2198/units


Something extra:
Capital gain before distr = (0.30 - 0.2637)/0.30 x 100 = 12.1%
Capital gain after distr= (0.25 - 0.2198)/0.25 x 100 = 12.8%

not much difference, & do bear in mind that the distribution is calculated as gross distribution before tax
kingkong81
post Apr 10 2010, 12:34 AM

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QUOTE(besiegetank @ Mar 28 2010, 04:16 PM)
Sad. I wonder how on earth the economy situation in Greece has to do with our economy. It's not like that it is a big country either. Economy recovery in other countries (singapore, US, Japan etc) should be more than enough to negate the impact. Economy looks more and more like rocket science~ blink.gif
+1 for the above calculations. One question though, what's the difference between using the avg cost price per unit to calculate capital gain and converting the unit into RM (minus our initial RM investment) to calculate the profit?
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Its the same...

But u just hv to do 1 more step of calculation to calculate the profit....
kingkong81
post May 2 2010, 01:16 AM

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Public Mutual Declaration of Distribution for FYE 30April 2010.

Gross Distribution:
Public Islamic Dividend Fund (PIDF) - 1.25sen
Public Far-East Balanced Fund (PFEBF) - 1.50 sen
Public Global Balanced Fund - 0.50 sen
Public Islamic Asia Dividend Fund (PIADF) - 0.75sen
Public Far-East Telco & Infrastructure Fund (PFETIF) - 2.50 sen
kingkong81
post May 3 2010, 11:51 PM

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QUOTE(shanelai @ May 3 2010, 09:34 PM)
All PM fund will declare dividend no matter how.. But this does not apply to PCIF... PCIF, never ever declare dividend....  blush.gif
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PCIF distribution policy is "INCIDENTAL". This is normal for all high-risk category fund

Which means they are not fully oblidged to declare dividend, even if the fund are making good return.

In any case, PCIF Financial Year End is on 30 Nov, so, have to wait till then....
kingkong81
post Jul 26 2010, 10:56 PM

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QUOTE(guanteik @ Jul 26 2010, 11:18 AM)
Winner mostly in 50/60's category...
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Well...these uncles can affford to invest more. Surely MGQP will be higher = higher chance tongue.gif
kingkong81
post Aug 2 2010, 10:35 PM

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QUOTE(mars1069 @ Jul 22 2010, 11:29 AM)
Hi, I need some advices for my case:

I used my EPF to invest these 2 funds:

PISTF: Invested in 3/Apr/08, as at 21/7/10, earned 25.45% in 2 years+
PISSF: Invested in 1/Aug/08, as at 21/7/10, earned 32.96% in almost 2 years

The return is much better than EPF interest and exceeded my expected earning in interest. So, I'm thinking to park them somewhere to prevent my earning drops and thinking to switch them to these 2 funds again when the price drop in future. My question is Which Fund has less risk and allowed me to switch fund from EPF investment? Bond or money etc? Any idea?

I just applied online account & waiting them to send me the password, thinking to switch the fund myself online coz my agent friend is very sick now, just dun want to trouble her.

Any advise for me? Thanks.
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For EPF...if you look to preserve the profit...these are the possible funds:

1) Public Islamic Income Fund
2) Public Select Bond Fund

Money Market Fund return is not so good in terms of profit preservation. Better use it as temporary 'parking' fund
kingkong81
post Nov 24 2010, 10:33 PM

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QUOTE(jeff_ckf @ Nov 24 2010, 02:54 PM)
I bought mine from an agent, so I guess that means I need to go a Public Mutual branch for resell? What documents do I need? Just my IC?
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Yep...bring urself & IC. Forms will be available at public mutual branch.
kingkong81
post Jan 31 2011, 01:51 PM

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QUOTE(koinibler @ Jan 31 2011, 08:25 AM)
May I know the difference between PB series fund and Public series fund?
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PB Series funds are distributed by Public Bank. You need to go to Public Bank to deal with it.

Public Series funds are distributed by Public Mutual Agents.
kingkong81
post Apr 1 2011, 01:15 PM

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PUBLIC MUTUAL DECLARES DISTRIBUTION FYE 31st March 2011

Gross distribution:
1) Public Aggressive Growth Fund ~ 9.00sen/unit
2) Public Regular Savings Fund ~ 5.00 sen/unit
kingkong81
post Apr 20 2011, 10:39 PM

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QUOTE(kenjen @ Apr 20 2011, 08:31 AM)
Is Public SmallCap officially re-open? How come no announcement yet - or did I missed anything?
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QUOTE(Loonie2 @ Apr 20 2011, 10:21 AM)
My agent told me, Public Small Cap is open for investor on 18 April 2011.
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QUOTE(kenjen @ Apr 20 2011, 03:02 PM)
Thanks. Clarified through Public Mutual that it is indeed open. Thought want to do switching, but seems not allowed. Have to fork out some money for it.
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Yep... Public SMALLCAP Fund is reopened for investment officially on 18th April onwards.

But it is only allowed for INITIAL & ADDITIONAL investment only.

Switching into the fund is not allowed.
kingkong81
post Jun 1 2011, 01:32 PM

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I think it is Public Saving Fund (PSF)
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