a. I'm posting while doing other stuff. it should be public GROWTH fund..

let me go into slight deeper before i get flamed again. the way I've calculated '1.66%' PA is pretty vague. First noted that I'm investing in monthly basis. So a calculation including those in is very complex. I've simplified it by summing all i've invested, calculated to the current value.

the performance chart in Public Mutual concur with my finding - it's about 2.91% PA (2 Jan 2008 - 25 Jan 2012 = 12.17%), not including 5.5% sales commission (I've always hated this). So my question is: is this fund underperforming?


b. less risky: less % of portfolio in equity. I think PSF is ~70%. It gives 15.86% (2 Jan 2008 - 25 Jan 2012). Or PBond 27% in the timeframe.

c. aim: to keep until i can afford a house. Timeframe 4-5 yr from now.

Anyway, do you guys happen to know any 'no loading' fund here? US does have some but.. ah well.

This post has been edited by empirekhoo: Jan 26 2012, 11:45 PM

PGF to me is OK, but you are seeing a very low return % by paper because of that DDI you are doing. You should have known by now each time you invest you are being charged 5.5%.

Sorry bro, not flaming per se I've just got high expectations of engineers / specific science people

Ok ok - my 2 cents point of view here. Please note - NOT gospel truths yar, just my own POV.

Based on the stats above (and the same blah blah past what not does not mean future what not) pressed out of PM's FPAdvisor:
1. PSF is a better defensive fund VS PGF & PBOND (see 5yrs ending 2008)
2. PGF is a better returns fund VS PSF & PBOND (see 5 yrs ending 2012 yesterday)
3. PSF VS PGF - Sharpe Ratio (risk vs returns measurement - google "Sharpe Ratio")
a. Big enough a difference when market falls (PSF has higher Sharpe Ratio)
b. Too small a difference when market climbs
4. Both PGF & PSF did lower than their benchmark for 5 yrs ending 2012 yesterday. PBOND beat benchmark
5. All 3 beat benchmarks for 5yrs ending 2008
6. Pls dont compare PGF & PSF to PBOND - PBOND is a bond fund and its underlying assets are bonds and fixed income. IF U factor in service charges, PBOND (0.25% service charges only) may come up tops for bad ending years.

Bottom line:
a. Have a plan - Asset Allocation and entry/exit plans based on your own requirements (4 to 5 years for a home?)
b. It's good that U track the returns. It's even better if U know how it stands VS others AND what role that particular fund/investment plays in your overall plans (rather than "i want to make as much as possible, as fast as possible" - itu main lottery better )

This post has been edited by wongmunkeong: Jan 27 2012, 08:23 AM

it depend on fund performance, not the SC.

even with 10 diff acc, apply same metod for same time frame. all the acc will shows diff figure. this is because the fund performance.

agree?

I can only agree with you partially. The question was, why after so many years the return is still thad low. And, given the fund annual return is 8%, losing 5% to SC means we are getting 3% in general by doing DDI. Of course, some years the fund sucked... good times, 12%?

@empirekhoo
I wish i know more about unit trust on 2008, where opportunity is rarely come. You start invest before the 2008 crisis, but not value averaging down during the crisis.

You can read previous post for some plan in investing; WMK

I've just stop my DDI when the KLCI reach 1500 (although my benchmark is not purely based on KLCI, but I believe if the fund is invest in Malaysia, more or less still the same with other benchmark). Will continue DDI if KLCI less than 1500. Will put larger amount than DDI if market crash.

ya, still need to pay SC-lah kawan. but still depends on fund performance for highr return and it will take time for the volatile market conditions. unless the price up..up..up. Or, u enter with lower price with lump sump during 2008. but same SC.


example:
rm10,000 SC = Rm1000 x 10 times DDI SC.

Myself I only got 2 funds using my EPF: Regular Saving and Islamic Money Market. I am planning to switch Islamic Money Market to Regular Saving or Public Bond. What do you think?

U cant do PBOND with EPF.

Personally, i'm putting EPF in PSBF and then drawing down from PSBF to channel into Equity funds (via TwinVest: PAGF & PSSF + via Trend: PIX), treating PSBF as my cache of ammunition (depleting EPF A/C1 as much as possible )

Just a thought

This post has been edited by wongmunkeong: Jan 27 2012, 06:04 PM

wa, quite some technical term here to digest like twinvest, pix ..
okay, i will consult my agent to see how to do so. thanks!

money frm epf to money market fund for temp parking, boleh-lah. rugi kalau leave there for long term.

u already hv acc with regular fund, u can concider saving fund too. but for time being, better leave at money market. KLCI still above 1500++.

Sorry bro - TwinVest is a methodology for Dollar Cost Averaging + Value Cost Averaging
Programmatic approach - no fear, no greed

PIX = Public Index Fund
PAGF = Public Aggressive Growth Fund
PSSF = Public Select Sector (or was it Sector Select dang old age is catching up with me ) Fund

Consult yr agent but dont get CON+inSULTed
Preferably yr agent is at heart, an investor, not just a sales fellow.

This post has been edited by wongmunkeong: Jan 27 2012, 06:23 PM

ya i know money market growth is like FD but i am too afraid to put everyone into aggresive fund. so, thinking to put it into bond fund. even though regular saving is aggresive fund, but it looks pretty stable too. so, still thinking which one to put. now wongmunkeong recommend me a few more funds somemore

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Added on January 27, 2012, 6:32 pmthanks for the info. i think my agent looks like a bit retired already.


This post has been edited by ngaisteve1: Jan 27 2012, 06:32 PM

Eh bro - i didnt recommend U leh, i shared how/what i do with my EPF.
I wouldnt recommend unless i totally understand your time horizons, $ requirements, cash/epf flow, asset allocation held now and goals (phew, a sh*tload of stuff).

Semi-retired agents are good leh - experience + not out for $ alone if they get off their butts to serve U (speaking from experience heheh)

This post has been edited by wongmunkeong: Jan 27 2012, 06:40 PM

regular saving is moderate, same goes to saving fund. as wong guides u, u can take money market and bonds as temp parking lot for ur money.

if u scare, better dont touch the EPF, u hv to pay for ur wrong move.
study fisrt before action.

What is DDI stand for? Anybody can help me.

direct debit instruction.

ya, that is my strategy. if market koyak badly, then only i consider to switch from money market to buy from the dip. that's why i put my allocation 50% aggresive (regular saving) and 50% conservative (money market).

good, happy fishing.

not la what i meant he 'retired' is his full-time job is something else already. pbmutual is his part-time side income. i think last time he is full time pbmutual.