from here http://www.publicmutual.com.my/OurProducts...FundReview.aspx

& here http://www.publicmutual.com.my/OurProducts...tatementFS.aspx

u got it....dividedn fund with capital grow such as PIDF and PSDF or otehr fund with distribution policy annual income. but dont go for Bond-lah...not much grow-lah... only steady income.

ya, u can go to my signature - how to calculate unit trust. i hv explain abt SC.

add PRSF, PIDF, PDSF, PAGF, PEF, PIEF,PIX,PBF (all my favorites)

anybody want to add more?

go to fund review and look for;
consisten return;
preservation;
total return;

1 to 5... the higher is the better.

i think all the BOND funds not much diff in performance.

I think we shouldnt discount Bond Funds since bro kobe8byrant stated he wants steady income first

In addition, is he a working stiff like me (employee lar) OR a biz person with no EPF?
If no EPF, bond funds i should think is a MUST as part of an anchor to Asset Allocation across asset classes.

Bond funds are one of the ways to truly be Asset Class diversified, instead of just diversifying within Equities which is dangerous by itself - point of fact, see end2008 subprime crisis + 1997-1998 asian currency crisis + maybe even 2001 dot com burst, what happened to Equities VS what happened to Bonds

This post has been edited by wongmunkeong: Aug 24 2011, 08:19 AM

Bro - attached is a ZIP Excel sheet. U can see the logic & workings there easily and mess around with the YELLOW cells for other funds with front load charges.

 Service_Charge.zip ( 3.87k ) Number of downloads: 126

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Added on August 24, 2011, 9:32 amNote for those that are interested in being their own agent:
PM just sent out a memo for renewal of UTC agent fees and stuff. One of their requirements is $30K of personal sales by Nov 2011.

Just thought U may be interested to know the "minimum sales"

This post has been edited by wongmunkeong: Aug 24 2011, 09:33 AM

This is the ONE BIG problem i have with PM agents, they don recommend bond BECAUSE they can't get commission from it. SIMPLE.
Being a agent urself, i fail to see how you comprehend the whole understanding of fundamental financial planning.
I think there was a study done before, comparing a 10-15yr of an individual investing in equities vs bond, and in the end, returns are somewhat similiar
AND also, dividend funds are not good, it's merely passing the income from right to left hand WITH tax incurred

check out funds like PBOND, PBIBF , u'll be suprised on the returns
Even then a better than average bond like PBFI is having 7-8% return consistently.

@ bro wongmunkeong,

as i fully agree with u. bonds are steady n slow, suitable for conservatives and for those who like to balance their portfolio

This post has been edited by kucingfight: Aug 24 2011, 09:53 AM

bro, our frend asking "I'm looking for steady dividends and capital growth (in that order). what would you recommend?"

So, dividned funds ok-lah.....

if he ask steady income with lower risk..... go for bond-lah.


normaly i recommend BOND for those 50 yrs and above.

40 - 50 yrs - moderate
below 40 - aggessive.

its a age VS risk factor.

if a 30 yrs old, but conservative... than BOND for him.

ya, its better to hv BOND in a portfolio.

Hah? Got sales target one ah. 30k seems a bit hard to achieve if i just want to invest thru myself

Aiya - they put there only mar BUT enforcement may be another thing

Anyways, phew - luckily my family & personal investments can hit this minimum. Phew dodged THAT bullet

This post has been edited by wongmunkeong: Aug 24 2011, 01:22 PM

Thanks for your reply.
The links provided is good, but what I'm looking for is something similar to the Morningstar Stylebox. Sadly, the stylebox from Morningstar website mostly doesn't have this information of PM funds.

CARI-LAH PROSPECT. SURE CAN GET ONE. 1 MONTH 1 PROSPECT WITH RM3K. NOT POSSIBLE-LAH? EPF PUN BOLEH JUGA.

I'm gona ask my baba mama gogo didi meimei gugu susu to help me

Thanks Wong for the service charge spreadsheet, I'm downloader no. 11.

I know for sometime already the requirement for 30K,
seem a bit high for me and family
and lazy to convince friend and people around me
not agent material lor....

Just want to ask a question, the fund price we always look at the internet is yesterday price, if we buy today, which price do we buy, today (which havent announce) or yesterday?

PBond, PBIBF 3 years annualised return is better than ASB.
PBFI's 3 years annualised return also surpassing ASW, ASM, AS1M. Those who are not able to invest in PNB's fixed price fund, may take this as an alternative.

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Added on August 24, 2011, 10:53 pm

Sources: Morningstar.com

This post has been edited by cheahcw2003: Aug 24 2011, 10:53 PM

If you buy today, the price is today's price. (which is announced on the next working day)

This post has been edited by lytros: Aug 25 2011, 12:14 AM

You buy today, means buying yesterday closing price.
You buy tomorrow, means buying today closing price

Then your other option is to get chummy with an agent and negotiate - like offer to DIY most of the stuff, and have some er.. cheaper charges personally from your agent lor

It's a biz to the agent - in biz, anythings negotiable as long as there's win-win situation, right or right?

BTW, U'd be surprise that U may not need to convince anyone.
As U do it and see results and share your methodologies as U care & want your close friends/relatives to prosper as well, U will somehow get "offers". I'm a typical nerd / IT guy lar - not marketing/sales fler. Just do it right and share not for $ but as an option to enable your close friends/relatives to build something for their/their loved ones' future.

The ONLY hiccup is that some may not be able to "handle" the losses when a downturn happens (not IF but WHEN it happens). Thus, education & expectations management required by drawing out agreed investment programs/approaches and followed.

This post has been edited by wongmunkeong: Aug 25 2011, 06:56 AM