1st thank you desertkids for the pointer

wow...10-15% return per anul? for 10 years?
that means 10k per anul so after 10years can take back 200k?(plus capital)?

reli new to Unit trust...scared to PB salemen want to profit so abit scared to ask much...will take ur advice and look for pb unit trust consultant.

last question...is it wish to invest now during this time..even the PB salemen talking abt market heading down which i hv no idea..
i tot going down means bad....but this PB salemen said now gud time


nope...it seem eveytime u invest or put money into the fund they charge 5%
but if u take money out no charge

This post has been edited by anglee82: Nov 22 2011, 05:41 PM

ur welcome..u cn get more than 200k in 10 years time if based on their history performance la, bt it just history, future nt necessary will give u same return.

all salesman will ask u invest no matter now is gud or bad..just a joke conservation below..
salesman: now is bad time, all share price drop, u cn buy now cz u gt more unit at lower price!
u: u gila kah! now bad time u ask me buy! later it drop non stop i ma die!
salesman: now time very gud, every share go up, u cn buy now cz u no nd woli its performance!
u: u gila kah! share price already up till ceiling liao,u ask me buy now then later it drop i ma die!

haha!!! so u must noe the timing, gud or bad time urself..u cn 5 some good utc that cn advise u very wel de.
bro wongmunkeong is a very gud advisor in financial, try ask him..i learn a lot from his post n blog 2.

btw there r 2type of pb utc, 1 is sit in bank, 1 is outside salesman..i prefer outside salesman cz their service better..

I redeem some of my BOND FUND. I call customer service, it said need 10 days ! (Public Bank Account somemore !)

er.. AngLee82, based on 10 years stats if the calculations are done now, PB's & PM's equity funds return's ranges from about 10.6623%-14.2944%pa CAGR using PM's FPAdvisor. HOWEVER, please note that this figure (CAGR) is highly dependent on which year the calculation is run - eg. in a dip (end 2008) or during high run (eg. 2011) - the 10 years stats ending 31/12/2008 will show a range of about 6.1203%-9.12%pa CAGR.

Take a peek at both the files uploaded here and compare. Thus, the 10%-15%pa return on average for 10 years you're expecting may not be too realistic.





As for your PB Salesman saying now = good time, when going down.. it depends..
If U are doing lump, it ISNT good.
If U are doing value / dollar averaging, ok ar.
Best Qs to ask yr salesman are:
a. What are U doing yourself now?
b. Can see your track record?
c. What is your entry & exit plans? Why like that?


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hm.. DesertKid, U like my "signature" eh? Have me met before?
eh - dont lar say i'm a good financial advisor, i'm just sharing my own views, tested approaches and stats. Afterwards one of the big kahunas here come after my butt leh

This post has been edited by wongmunkeong: Nov 22 2011, 07:54 PM

UT is for medium to lng term.
the return depends on the fund performence.
if market down, most of the equity funds will down as well include PBGSQF.
no guarantee for the returns, UT investment with ur own RISK.
5.5% service charge is normal for equity funds.

funds like PSF, PRSF, PGF and other good funds have generated better returns compare with FD for the past 10 yrs. bear in mind, past performance is not indicative for future performance.

if u have enough money in FD as emegency, u can split ur RM100k, in BONDS fund some (service charge only 0.25%)and equity fund some.
and u still can split for equity fund as regular investment. not advicible to pump all the money at current market trend unless market revocer from very very bad. below 1000 CI.

or just leave the money in FD, later u can investment when the market stable.

educate your self abt UT first before decide to enter.

wow, like this also can-ah? where got?

service charge will be apllies for every transactions.

Bro - that's his theory, havent tested in real environment yet
Bila cuba, baru tahu (theory workable or not)

today I redeem my bond too.

abt 3 weeks back, I redeem my equity fund, got money before 10 days.

its ur money, and u must ask Q as more as u can until u get the clear picture.

THE MORE U ASK, THE MORE KNOWLEDGE U WILL GET.

UT like stock, buy cheap, sell high for profits, either u wait for really cheaper price or apply DDI to average the price.

if market down, the unit price will cheaper. when the market recover, the unit price will higher and u can make profits.

buy cheap, is not mean u can buy any funds. u must reasearch/analize/ the fund risk factor n the fund past performance.

Believe me, at least 50% of the sales agent do not know how to answer this question.

RULE72: double the money in how many years. if the average return 8% = 72/8 = 9 yrs. that mean if the fund can generate average 8% annualy, can double the money in 9 yrs.

well ASB in this catogary.

private UT, u can keep between 5 -10%. if u r lucky can get more.

hi wongmunkeong..i like ur post n signature 2much..haha.so i curi it 2use.

buy low sell high.same with stock. bt UT not really gud for buy low sell high, cz da fluctuation not so high, if u in n out 2frequent, only utc & pb earn ur money..some more pb apply a rules that if u switch within 90 days u will get charge duno hw many % of your switching amount o..

i wanna to ask why i buy public foreign fund ... example ... i buy on 23/11/11 but the price i get is 25/11/11 price? but i buy pb foreign fund i buy on 23/11/11 i get d price is 23/11/11 price?

forward pricing rule.u buy 2day, u get 2ml price..not 2day price.u shud ask ur agent better.he/she shud tell u b4 u buy this fund..

ya, i knw ur mean..i buy today i will get 2morrow price from public mutual fund price rite? but now i buy today i get two days after public mutual fund update

Erm, then maybe they wait for oversea market closed only calculate that day NAV,just my 0.0002sen...bt ur pb foreign fund can get same day price bt public foreign fund get 2 days late, so weird..i nvr encounter this problem b4 too. maybe some pb utc here cn answer u later. sorry i cnt help u..

er.. sorry ar bro, i serong a bit a Q
Y the need for "faster" pricing update?
IMHO, we're dealing with mutual funds, not gold spot price or KLCI futures, where time is measured in seconds and profit/loss is measured by per tick or even half-a-tick.

It's like getting onto a cruiser / easy rider bike and expecting it to perform/move like a Japanese sports bike
The flow of time and profits/losses are very different... ohm...

Just a thought - apologies if i accidentally stubbed any toes

This post has been edited by wongmunkeong: Nov 23 2011, 04:33 PM

bt i think it just a consumer mindset la..he buy 2day mayb he saw 2day price is lowest in the history..bt after 2 days it mayb diff story.

So, why it update 2 days after? the pb fund update 1 days after?

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Added on November 23, 2011, 5:14 pm sry... i see wrong statement... ^^

This post has been edited by soulzerowen: Nov 23 2011, 05:22 PM

Funds not open for investment (as of November 22, 2011)

 Public Islamic Bond Fund
 Public Bond Fund
 Public Global Balanced Fund
 Public Ittikal Fund *
 Public Islamic Balanced Fund
 Public Islamic Asia Balanced Fund
 Public Select Bond Fund *
 PB Growth Fund *
 PB Islamic Bond Fund
 PB Fixed Income Fund

* Open for EPF investment

URL: http://www.publicmutual.com.my/LinkClick.a...GqY%3d&tabid=87