1) The 5.5% charge is based on the amount you put in the fund only. There is no other service charge.

2) You can monitor the price here.

My investor makes a net 10% return over half year of investment in PEF.

yes, I am an agent. Which funds have you invested in?

How long have you invested in those funds?

Based on here for a half year investment, Pbgf is getting a total return of 6.15%, which means you are starting to make a net return of 0.65% (6.15%-5.5%). However, things look bleak for Pbindobf as from the chart, it is still making -0.44% return, and this translates to a -5.94% return from your investment. For Pbcaef, it looks just slighty better with 2.42% gross return.

I can give you some advice, but in the end it still depends on what's your risk appetite, how long you are willing to invest, and your preference over investment portfolio (local or overseas funds). For your situation, the reason you choose both China and Indonesia fund is because you are interested in these two overseas market, am I right? If that's the case, then you have 2 choices: first, to continue your investment in these funds if you believe overseas markets will have a strong growth in the coming years, or switch over to other lower risk investment, such as local funds.

For me, I will usually advise my investors to go for funds with good track records (such as PEF, PDSF, PFSF, PITTIKAL, etc).

It's actually depends on what you think of those market, and this is quite subjective due to the fact that China and Indonesia are new funds which none of us can do too much analysis about it. A good previous example is that during the beginning of Public Mutual's award-winning "Public Smallcap Fund": on the first 18 months of the fund, the performance is not good, with approximately -4% return for the investors, but guess what? Investors start making money thereafter, and reap hefty profits from the investment.

As for myself, I have invested a small amount in China market, previously losing money but recently the fund start to make some return. The fact is that I'm also facing a similar dilemma just like you, wondering whether I should continue investing in the fund.

Invest for long term then should be okay geh

You can check its performance here, and through past performance and personal analysis from The Edge, PBGF is among of the most performing funds for Public Bank.

Public Smallcap Fund open for investment again!!

Haven't announce in web but as an agent I got firsthand news from the company directly

Yeap, but to me I think its worth the charge since the fund performance is quite outstanding and is so far the best performing fund among all unit trust in Malaysia. The previous time of its reopening only valid for two days only

Just sign up with an agent, and minimum investment is RM1,000.

Based on past performance, the CAGR (Compounded Annual Growth Rate) for most local equities are above 5%.

There is risk with any sort of investment, but it is reliable as the funds are professionally managed by fund managers.

5% is a safe rate of quoting CAGR, but top performing funds in Public Mutual are around the range of 10~15% CAGR

There are indeed underperforming funds, but most of them are newly launched funds which are not able to perform now, but that doesn't strike out the possibility of them performing in the near future. A good example for this scenario is Public SmallCap Fund.

And by the way, the first thing investors usually ask will be which are the performing funds, and as an unit trust consultant, my job is to highlight those top performing funds to them.

I have submitted few investments for my investors and I can verify you that SmallCap fund is indeed reopen for investment, though I'm not sure for how long.

The reason that those funds are closed from investment is because they reached the quota of the investment company subscribed from Securities Commission (SC), i.e. approved fund size = RM500m, then at around the size of RM450m, then they will close the fund (and perhaps apply for bigger fund size). It's not about forcing people to buy other funds though.

One of the reasons that Smallcap is only open for newly injected fund is cause the fund manager wants to control the volume of the incoming money. If switching is allowed, you can imagine what problem can arise when most investors switching their shift their exiting investment into smallcap.

The distribution will be credited into the account in around 2 days after the distribution date.

Yes, agent will get around 2.5%

Perhaps try out Public Balanced Fund or Dividend Select Fund?