not need to confuse,

as expalin in 'how to calculate unit trsut' in my signature, the disribution is from ur own money. and it will be reduce after the ditribution.

if 5 cents declared, so 5 cents will be reduce from the unit price because 5 cents already given/taken, but the total units remain same.

if the disribution re-invest back. u will get the equivalent units for 5 cents and will be top up accordingly.

ya, ur calculation is correct.

to make it simple, distribution if for those need the distribution. if investors dont want the distribution, just re-invest back.
not everybody re-invest back, some still have plan to spend the distribution.

mutual gold member need to invest RM100,000
mutual elite member need to invest RM500,000

just calculate the total units u have X latest unit price.
if the price RM0.16 and X with total units give less than invested amount = lossing money.
if higher than invested amount = make profits.

Don't go for 1 lump sum lo

hehe - and now to confuse him more,
"Unless the market has crashed, stabilized and you've conviction that it cant get much worse + U want to win-big" lor
Poker's "show hand" methodology (ignoring risk of ruin and stuff like that)

Hheheh - in seriousness though, times like post crashes and when the fall is "straight-lined" (like dead market), that's when risk is low & probability of making $ is high IF U have the guts to fight fear off and buy/hold for 2 years+. Think 1998, 2001, 2008 post crash - go with eyes open though as a 1997-1998 double dip may occur

Then again, this is only if one has lump sum to invest lar. Those like me, every month/quarter lor

is there any bond in public mutual series?

Yea. Depends what kind of strategy you want to use. One lump sum at the bottom surely will do better than each month, or each quarter.
Since market is confirm volatile now, why not wait a while? Investment, no need to rush. Timing is important only. Rushing now - Which is a volatile timing = bad timing.

But rushing when market crashed like dead dog, then that is good rush.

Rushing when market bull, also good. Make sure you know how to switch out when bull start to slow.

Rushing when bear coming out to play = damn bad strategy.. haha.

Since you are starting to invest in a new fund, initial minimum is 1k, or subject to different individual. Probably, just wait a while only see. Waiting 2-3 mths does not hurt much in my opinion.

Let the market show a strong signal of bear or bull.

How to know.. Keep update, see whether there is a QE3 from US, and how the public take on the QE3 (At least QE3 is something that will definitely affect the market)

Rushing in when bear market coming out to play = Suicide bombers of yesteryear (kamikaze).
"The spirit may be strong, but the flesh is weak"

Seem a lot of choice, don't know how to choose

Public Islamic Dividend
Public Growth Fund
Public Saving Fund
Public Bond
PB Indonesia Balanced Fund
Public Focus Select Fund
PB Fixed Income Fund
Public Strategic Bond Fund

Bond not effected by market right ?

How to choose ? which one can RI, DDI ( SI ) ?
Difference between annual income and Distribution ?
What is YTD ?

I'm new to unit trust. Appreciate for any guide. Thanks.

This post has been edited by wacrop: Sep 2 2011, 04:40 PM

all can do DDI.

BOND less/minimal risk, can be affected too.

distribution = dividedns
annual income = got dividedns every yr, not matter how the market.
incidental income = got dividedns if any.

to choose the best fund for u.
follow this formula;

ur investment objective + ur risk factor = Funds investment objective + fund risk factor

example;
if ur investment objective is to enjoy steady income + capital grow and ur Risk factor is moderate, read/analize/search which fund comes under this catogary.


if ur investment objective is, going for capital grow, not care abt dividedns and u can take high risk, read/analize/search which fund comes under this catogary.

When market really crash, bond also will get affected, just not so badly affected only.
Depends what kind of bond also.. If government bond, then ok.. If blue chip bond, still ok (But, please don't think blue chip won't get busted in KLSE, because blue chips can be blue cheats anytime, no joke)

Bond get defaulted, then bond holder can start to suck fingers and toes already.

Bond price fluctuation is lesser compared to equities. So is more to a steady linear growth.

Just treat the distributions as realised profits rather than bonus/interest income

Bro Boney, Gov can also default yar
Doesnt happen often but happens

blue cheats stocks & suck fingers & toes - i like those images.

Methinks, if one can visualize the flow of $ into Equities when equities are depressed thus returns (either DY% or capital) is higher & money flowing out of fixed income due to low % returns AND vice-versa, + Asset Allocation idea, these would already be enough as a good basic foundation,
RATHER than
going crazy into severe details of types of equities (smallcap, largecap, midcap, foreign, domestic, sectors, etc.), bonds (short term, long term, gov, municipal, corp AAA, AA, etc.) and properties / REITS (residential, commercial, industrial, plantation, healthcare, edu, location, etc.)
OR
worrying about mutual funds distributing dividends or not (saving some %).

then again, what do i, a worker ant / lemming, know especially one that looks at seminars / workshops which cost more than $2K to $3K with a weary eye

This post has been edited by wongmunkeong: Sep 2 2011, 08:24 PM

That's the problem - distributions are NOT profits either.

Distributions are happily given out even when the fund is making a loss. SMALLCAP for eg, is making a loss, but it is giving out a ~15% distribution.

Public Bond closed already.

Ya not really profits but can view them as realised profits or losses ler since they were distributed out of the... erm... gain/loss on NAV. *Maybe i'm wrong here *

true. some bonds like PB fixed income can provide you with steady income better than FD i think although in such market.

Government of course have the rights to default the bond. Who say cannot? Haha. All things are possible. Government also can go busted.. Ngek ngek ngek. But so far, I don't think Malaysia is heading for that yet, at least for the time being.

Yea, blue cheats stock having you sucking fingers and toes, are no joke.
Transmile.. Remember? haha.. Where is it now? Delisted? hmm...

So for investor, invest properly. Don't invest without knowing what you are investing. And don't always listen to agent talks only. Don own analysis, and research. Make sure you know where is your money parking, and know a little about the market.

Sorry ya agent out there.. Haha, but I myself also an agent. Some agent only know how to ask u do invest and invest and invest. Ask him what is DJIA doing, he got no idea what is DJIA. Sigh.. Ask him how is the market doing, he only tell u that DCA good good good, invest invest and invest more. If you want to ask people invest, at least give some comment before asking people to invest la.

Sorry, if I am customer, I will give him some fingers to look at.

And what is worst, one of the example is the person who recruited me in.. Damn!!

This post has been edited by Bonescythe: Sep 2 2011, 10:13 PM

Bwhhahaa that says a lot for yr upline's salesmanship or bullshitology
Can even talk U into it