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 Public Mutual v2, PB/Public series

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kucingfight
post Dec 17 2010, 11:42 AM

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QUOTE(jimmyysk @ Dec 16 2010, 04:45 PM)
So many years thinking to sign for this Public Mutual at last I'm make an appointment with a Public Mutual friend this Saturday about this investment. Can someone give me the pros and cons about this investment. No money to setup a business thinking to invest thru EPF to earn some cents. What do you think?
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lol, i think is better u take ur time to read n understand what ur goin into...sounds to me, ur just jumping in blindly
kucingfight
post Apr 1 2011, 12:14 AM

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haven been following UT for sometime.

Which funds are worthwhile to invest now?
kucingfight
post Apr 13 2011, 05:51 PM

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Any PB/Public bond stil opened? anyways real life listing of which funds closed/open?
kucingfight
post Apr 14 2011, 09:37 PM

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QUOTE(koinibler @ Apr 14 2011, 09:32 PM)
some member mention that all equity more or less the same,
so, if invest less than 5K, just focus on 1 equity only hmm.gif
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again, depends what your aiming for
-risk appetite, time horizon etc

for me, i would mix the egg, some equities and bonds
kucingfight
post Apr 18 2011, 06:03 PM

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QUOTE(seiken @ Apr 18 2011, 05:55 PM)
Is it worth investing? Low-risk type right?
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yeap low risk, consistent return. lipper 5 rating. same goes to PBOND, PIBOND, PBIBF (better performing bonds)

This post has been edited by kucingfight: Apr 18 2011, 06:04 PM
kucingfight
post May 3 2011, 10:49 AM

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QUOTE(jutamind @ May 3 2011, 09:46 AM)
i have PBFI which i want to switch to PBIBF through Public Mutual Online. When i click on the link Switching, I cant seem to find PBIBF in the Account drop down list? Does that mean i cannot switch from PBFI to PBIBF?
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if i'm not mistaken. PBIBF has closed, jus las week

This post has been edited by kucingfight: May 3 2011, 01:41 PM
kucingfight
post May 4 2011, 09:39 PM

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QUOTE(cheahcw2003 @ May 4 2011, 09:33 PM)
U can actually appeal to Public Mutual to take in your investment since it has already deducted from your bank account.
PBIBF has very good return, 1 year return is 12.37%p.a., low risk with Standard deviation of 2.7%, and high sharp/information ratio.
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yeah definitely a good bond fund. PBIBF, PIBOND, PBOND, PBFI..aii pity it's closed..wanted to end more
kucingfight
post May 5 2011, 12:09 AM

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QUOTE(koinibler @ May 4 2011, 11:02 PM)
what the next good one that still available?
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.none..all closed. hav to monitor for nxt opening
kucingfight
post May 7 2011, 09:52 PM

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QUOTE(kiddo_z @ May 7 2011, 02:51 PM)
How you know the fund re-open for investment ...
I have gone through the website ... and could't find such announcement ...
I just knew it from the forum ...

and that smallcap fund ... Is it close already ?    sad.gif
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either, u hav ur agent contacting u or u can check @ public mutual log in site, when u II/AI

QUOTE(Confused_man @ May 7 2011, 03:46 PM)
I am considering PBGF, PBFI, and PBCAEF. Any recommendations or advice? I am open to other options too. Thanks in advance =). smile.gif
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mmm u can't really compare them orange to orange. Bond, balanced etc, involves diff risk n time horizon. but for me, Bond fund, is consistent n slow steady. n relative low risk. i think PBFI is closed for initial investment
kucingfight
post May 9 2011, 01:15 PM

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QUOTE(shuhong90 @ May 9 2011, 12:33 PM)
Hi, I just bought small cap fund on 4th May through public mutual online, how long does it takes to be reflected on the "Accounts Summary" category where i can view all the info ?  under the history, its was written down "success", bt till nw, i still don't  c it appearing on the summary account category. anyone mind giv some advice on this ?
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should be reflected by 48hours. I did 2 placements and both of them reflected by 48hours
kucingfight
post May 12 2011, 09:15 AM

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QUOTE(Jutawan @ May 11 2011, 04:31 PM)
Is public gold are the only provider of physical gold in Malaysia?
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PB FIXED INCOME is reopened. GOod chance for those looking for one of the better bond funds
kucingfight
post May 21 2011, 03:41 PM

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in short

dividend is not important, and even worse, it's taxable. it's like passing $ from left to right pocket with tax incurred.
split, like xuzen mentioned, it's only to attract new investors to make the NAV look 'affordable'

for those who's unwilling to incur the 5.5%, there are always some certain good funds from OSK-UOB, Kenanga, pacific etc..from 2% onwards, or even less sometimes.
kucingfight
post May 21 2011, 04:03 PM

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QUOTE(debbieyss @ May 21 2011, 03:53 PM)
I thought when we buy at low price of unit trust, years later if the stock market's performance performs better,  NAV will increase, and thus when we sell, we will gain more.

Difficult to understand...
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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.
kucingfight
post May 21 2011, 08:32 PM

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QUOTE(debbieyss @ May 21 2011, 04:58 PM)
Thanks for your reply, appreciate it cos I got to understand as much as possible to make decision which fund to go for before everything is too late.

I have finally finished reading this entire thread... rclxub.gif  Tired!  sweat.gif

Few questions here:

1. PBSmall Cap fund already closed on 4 May 2011, right? Does that mean even the existing investor wants to top up money into it, it is not allowed?
Secondly, is it a trick from Public Mutual to open the fund at this point of time as now the market is too hot, KLCI is almost breaking the historical height, they expect investors buy in at high price then after KLCI crash, price drop and investors lose money?

2. TO kuchingfight, from your statement above, how does it relevant to what gark has pointed out? He said 'It doesn't matter if the NAV is high or low, the investment stays the same.' Would you elaborate further?
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1.yes, it depends, sometimes when the fund manager sees some opportunity in market, he may decide to increase the fund limit. and off course not overincreased it as it may dilute earnings


2.i think what he meant was(just what i think), if the fundamental investment of a unit trust fund is good & strong, u may just enter @ any time by means of applying DCA or other methods. As, a good fundamental fund will recover overtime when it drops. And, it's hard to time the entry into market, so in the long run, u wil gain regardless when the NAV purchased @ high/low time, off course u would have "gain" even more when the NAV drops

This post has been edited by kucingfight: May 21 2011, 08:32 PM
kucingfight
post May 22 2011, 08:30 PM

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QUOTE(debbieyss @ May 22 2011, 06:42 PM)
AmDynamic Bond..... Not bad not bad...  brows.gif
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BECAREFUL of amdynamic bond. It's fundamentally good , 0% sales charge. BUT, redemption (sellingback) there's 1% charge doh.gif . So let's say after xx years and u've accumulated RM100 000, 1% charge = rm1000 sweat.gif

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

This post has been edited by kucingfight: May 22 2011, 08:37 PM
kucingfight
post May 22 2011, 08:38 PM

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QUOTE(wongmunkeong @ May 22 2011, 08:36 PM)
er.. the 1% charge is axed when it's held for more than 1 or 2 years if i'm not mistaken. I checked it out while helping a friend open an AMDYNAMIC BOND fund as i also read about the backload in AMBANK's online stuff. Please do check and get confirmation before jumping in yar
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oh really? i've checked with ammutual & FSM, and they mention there's 1% charge with no condition (fix). Even their prospectus,fact sheet didn't not state of the repurchasement condition period. Mayb i could b wrong..but i better hav black and white terms before jumping in

PS: Knowing that Amdynamic bond is one of the better performing bonds, i think Ammutual is not dumb to set those repurchasement charges as ppl less likely to notice of it. Else, they would have stated it clearly smile.gif

This post has been edited by kucingfight: May 22 2011, 08:50 PM
kucingfight
post May 22 2011, 08:57 PM

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QUOTE(wongmunkeong @ May 22 2011, 08:53 PM)
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%?!"  tongue.gif
Yup still, best to get it in writing what's the new thing now "Up to..."
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yeah anyways, good points up for discussion. smile.gif . i hav thoroughly study on it before wanting to purchase it . it's definitely one of the better performing bonds out there, but i was irked out by the exit fee condition.
kucingfight
post Jun 1 2011, 05:55 PM

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QUOTE(debbieyss @ Jun 1 2011, 05:32 PM)
Sorry all for the mistake. I have clarified with the UT consultant. It was Public Saving Fund, not Public Dana Saving Fund. He suggested me to invest in one lump then followed by few hundreds of monthly investment for at least 3 years. He told me this fund has won many awards over the past 30 years.

May i know the pros and cons of this fund?

Besides that, he also suggested me to invest in Public Ittikal Fund. Mind to share me the pros and cons also?

Thanks for all.
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it's best u download their monthly prospectus to view each fund's holdings ( which allocation, ,holdings, sectors, geographical etc)

I personally, find malaysian based holdings are better in the long run

Funds liek PRSF, PSF, PDSF..etc
kucingfight
post Jun 2 2011, 11:12 PM

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QUOTE(debbieyss @ Jun 2 2011, 06:15 PM)
So meaning there are no cons for both Public Saving Funds and Public Ittikal Fund?

Impossible...
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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
kucingfight
post Jun 8 2011, 07:59 PM

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QUOTE(chloe_yee87 @ Jun 8 2011, 03:37 PM)
Just opened a new Public Mutual Equity Fund - Public China Select Fund. It's one of the lowest price shares right now. Recommended by the agent, but it's not doing so good.

Anyway, how is the service charges like? My agent didnt explain to me, so i thought there was no charge  rclxub.gif
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As i always tell/share to ppl who are not familiar in investing:

a) don't invest blindly. read, and take time to understand where the fund is investing in (sector/geographical etc) before putting ur hard earned money in
b) don buy a fund, because it is 'cheap' in price. it does not necessary grow..or may even sink deeper
c) check the history/performance of a UT. a good UT will rebound back after a bad cyclic cycle (check yr 08-10)
d) for newbies/starters, personally i recommend investing in proven good records UT (mainly malaysia based) - check PRSF, PEF, PIDF etc
e) don trust ur agent blindly, do ur own homework in which fund to invest and listen to their opinions, and u will tell whether they are good/bad agents

and for a start, i totally do not recommend PCSF. start with a local invest based

This post has been edited by kucingfight: Jun 8 2011, 08:01 PM
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