At current weak economic outlook, I'll try to bring down my average unit cost for PAIF, PSEASF and PSMALLCAP if I have extra cash on hand.

I'll try my best to buy an Australia fund from CIMB since it's under promotion on 2% SC. I always wanted to buy an Australian fund.

How about the new fund, is it worth?

Can anyone tell me what is a benchmark and what effects it has when I am looking at a fund? for example i was looking at Q2 fund review and there is always a fund(PSF for example) total return and a benchmark total return, so how do one compare these two percentage?

p.s. still "studying" UT, still noob 

Guise, totally new to investment. Had the opportunity to invest in psmallcap when one of friend told me to, since it seemed to be long term, I threw in whatever extra cash I had and told myself to forget about it until it rolls some decent dough.

But... if anyone takes a look, things has taken a rather sharp turn eh? I have no intention of letting the fund go now, but does anyone has a clue when will it stop dipping? Also, would appreciate it if someone pointed me to a decent site to read more about how these fund actually work and/or how to look for other funds to invest in.

Benchmark is just a reference on how good a particular fund perform. It doesn't really indicate anything since it's for comparison.

What concerns investors would be NAV appreciation.

So the higher the benchmark the better the fund is performing? most of the funds i see have their total return higher than the benchmark total return, so do this indicate anything? and for NAV appreciation, it is just by looking at whether the NAV increases in every year?

u can switch to bond fund for time being, then switch back to equity fund when the market recover, pls don't ask, when it will be as nobody knows.

or, just leave it since u r focusing on long term, it will recover back.

Not interested with the 3 new funds since they're under PB series under Public Bank.

Not interested with the 3 new funds since they're under PB series under Public Bank.

PB series under Public Bank not performing?

Hi all,

Newbie in UT  just would like to know the following:
1) each fund has their own 'financial year/period-ended', am I right? YES
a) does it means the bond fund will give distribution yearly after the  'financial year/period-ended'? If the ' 'financial year/period-ended' of a bond fund is on Dec 31, we buy the fund on Dec 1, are we able to enjoy the 'distribution' immediately OR need to wait for another year? Immediately
b) for a equity fund also has its 'financial year/period-ended', distribution is incidental, am I right? Depends on its distribution policy. Check its prospectus. Most of them are incidental.

2) how to check the fund's initial offer NAV price? Highest/lowest NAV price in the past... can we find out? Annual report, Fund performance graph and guessing. Most of the equity funds initial NAV are 0.2500 and bond/money market funds are 1.0000

Thanks in advance.

VCA = value cost averaging

not because of not performing, it's just that agent get nothing from selling PB series funds.

totally earn nothing meh ?
not even 0.25%?