Sorry for the misunderstanding. kparam77, in the blog you shared it was not mentioned how do we calculate our Total Units purchased... I'm trying to put the calculations into excel sheet to see statistics easier. Is there any prepared excel sheet that is made for it online?

Hear ya go.
Added a check with my own units received, just in case - must lar, sharing right info/data mar.
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is it correct if i say it the following way,

you are not paying extra, just that you hv less units than you are suppose to hv after adding on the SC.

using the example above, let say u invest RM 10,000 in a unit trust with NAV of RM 0.50 and a 5.5% SC on the NAV.

without SC, you will get: 10,000/0.50 = 20,000 units.

but add on SC, the units you actually get is:

10,000/(0.50 + 5.5%) = 10,000/(0.50 x 1.055)
                                = 10,000/0.5275
                                = 18957.35 units.

which is less than 20,000.

so, your current value of the unit trust is:

18957.35 x RM 0.50 = RM 9478.67

this means that your SC is RM 10,000 - RM 9478.67 = RM 521.33

(figure is being rounded up to 2 decimal points.)

is this correct?

Are you sure?
Should be RM10,000M - RM550 = RM9,450

Can't believe as UTC, you gave incorrect info..

Point of assumption?? If I issue you a cheque of RM10000 for fund-A, can you assume I have given you RM10550? This calculation is basically meant for MGQP calculation, not about the amount being invested.

To simply calculation aka layman calculation, If you invest 10K, then
MGQP = 10000
Actual Invested amount = 94.5% of RM10000
Service charge = 5.5% of RM10000

  Me too. I have all my stuffs written in excel, from personal expenses, public mutual to transportation and stuff... It's easier by looking at the tables. But it's hard to understand each calculation for public mutual, nonetheless very important to prevent blind investment that's why I'm putting all the calculations in excel 

I'm planning to buy a small amount of another Public Mutual unit trust (currently holding PIX).  Any good one to recommend?

i have a maybank savings account with maybank2u and public bank savings account, mainly used on maybank account, I plan to start some investment on public mutual online, so how should I start? Should I use public bank savings account instead for all the transferring??

i don't use much of pb saving acc, hence, i would like to know if I use maybank savings acc, would there be charges?

also, do i need to walk in to bp branch to apply my public mutual online?

Asking of distributions, between bond fund and equity fund. Is the distribution same?

I mean the bond fund distribution will not affect your total investment value. Just the unit. In equity fund, is it the same as bond fund OR it's like share (ie: interest/return)- meaning, even if we CHOOSE not to reinvest the distribution, equity investment value stays the same (which is not in bond fund case).

I'm starting to be a little confused.

Hi all, i'm new here. I wanted to invest in public mutual, what is the first step i need to do? So far now, i din own a public bank saving account. if let say i open a public bank saving account, can it link with public mutual?

Distribution for Bond funds is on annual basis. Equity funds are usually on "incidental" basis; meaning there is distribution when the fund is doing well. Dividend funds are usually on annual basis.

You can check out their Distribution Policy in their prospectus.

Technically, the net asset value of the fund is unchanged after a distribution.
If you reinvest the distribution back into extra units (instead of cashing out the value of the distribution), the total value of your fund is the same as before distribution since the unit price is now slightly lower although you now have more units.

But normally there is a slight minimal difference as you would then be checking and multiplying your total units against the closing price of the following day; and the closing price would depends on the fluctuation of the stock market on that day.
Yes, it is unexpected.

Public Far-East Telco & Infrastructure Fund's distribution policy is 'incidental'. Although it is in positive territory since its commencement since July 2008, it had declined more than 20% in the past year.

(Only those investors who had bought in during the dip around end Sept. 2011 would have profited.)

Though the net asset value of the fund remains unchanged after a distribution, there is tax on the distribution. 

(BTW Unit splits have the same effect as a distribution.)

check v u...beside PB, what others bank can do SI?

kparam77, may I know what is SI?

Understood. 

"Technically, the net asset value of the fund is unchanged after a distribution."
It's suppose to read the net asset value of the fund 'you are holding'; as I was writing from the viewpoint of an investor, not the company.

The total net asset would, of course, be less after a distribution, after taking into account the pay outs and management fee and tax.

The important point is that as an investor, if you're waiting to sell, you don't need to time the transaction to be after a distribution; as the NAV is reflected in the unit price at all times. Selling a day before or after the fund's year-end date is the same - barring market activity the following day.

Can anyone explained why there is distribution in Public Far-East Telco & Infrastructure Fund as it was in decline the past 12 months? Is it making money to declare a distribution and hence pay tax?

Or is it money held in reserve from its profitable period over 2-3 years; which then makes "the NAV is reflected in the unit price at all times" invalid.

What's the diff between PM and PB? To be clear,
I don't have any public bank account. Only maybank.

So what I need to do now?

any charges for SI from this 2 banks?
is it the same option available, 8 or 18 of the month?

In the first page of this topic, I saw "Repurchase Charge: NIL" But how come I see in my monthly statement of my regular saving fund a 5.5 tax when i repurchase every month?

Since it dropped 0.0088 i maybe will topup today
*assume no more dropping.

Ya i heard before 2pm, the NAV is yesterday right? So i will top up today.

You mean if i buy today before 2:30, the price is 0.6103 http://www.publicmutual.com.my/application.../fundprice.aspx right?

hi all gurus....im also interested in this public mutual...i know not much abt this..not sure how it works...i wanted to buy..what should i do? how it works? thanks for advice and guidance...

You mean if i buy today before 2:30, the price is 0.6103 http://www.publicmutual.com.my/application.../fundprice.aspx right?

if u top up online today before 4pm. u r buying at today closing price, not yesterday.
if u top up online after 4pm, it will be tomorrow closing price.

correct me if im wrong

Never buy today.. just leave it lol. Hope this time going up up up