hi bri, u can refer this site for their performance..

http://www.publicmutual.com.my/application...formancenw.aspx

BTW for the fund you mention above, just my 2cents, best is PFSF public focus select fund, im not so clear bout Public singapore equity fund & Public asia emerging growth fund cz its too new n hard 2analysis. btw IMHO, pick the fund have perform more than 10 years..

there are many good perform fund too, such as

public saving fund,
public growth fund,
public regular saving fund,
public small cap,
public dividend select fund,
public islamic dividend fund,
public islamic select enterprises fund,

diff ppl got diff risk tolerance..so pick the fund based on ur risk tolerance!

JUST IMHO..

he is right, u put 100k in FD is pointless..inflation rate always high than FD rate..

pb charge 5.5% for initial service charge. almost all pb series fund charge 5.5%.

invest in unit trust is mid to long term investment, mean at least 5 years & above, nobody cn tell u how much u can earn in 3-5years.it may generate a loss too..its all depends economy.

PBGSQF is a new fund, so nobody cn predict its future performance.. bt just for your information, some pb series fund generate 10-15% return pa in past 10 years no matter good or bad time.

u can do monthly payment aka DDI/DCA, bt its not a mandatory..u can pay lump sum at 1 times n wait after 5 years only check ur fund performance..

there are a lot lot info u cn get from a gud pb unit trust consultant...request for master prospectus, QFR report, etc..u must understand whats is unit trust 1st b4 buy..

---

Added on November 22, 2011, 3:47 pmmarket collapse mean that oso a gud time to enter market right? bt no mean v blind blind go enter market now la..
nowadays i feel a lot speculator in KLCI, 2danger for us (slow/small fish) enter this market n let speculators(fast/big fish) eat us..
short term bull market(b4 election), long term bear market(after election)???
just my 0.00000002cents


This post has been edited by desertkids: Nov 22 2011, 03:47 PM

u pandai bank oso pandai de ma..haha.no such way 2do.
btw nt advise he lump sum 100k 1 shot la..slowly slowly invest la..if nt once die 100k fly liao..

This post has been edited by desertkids: Nov 22 2011, 04:23 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..

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..

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..

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..

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.

u need fill in form to invest thru epf, every 3 month 1 times..n nd c ur epf saving enuf o nt.. just my 0.0002sen

if u tink like tis mayb a bit risky..let say u join as agent to enjoy this 2.75% commission, then sure u will ask ur family member n frens buy frm u too. bt after 2-3years u may not enuf 30k quota/boring in this line, then pb mayb nt allow u 2renew ur utc lesen. by that time all ur customer(family member/friends) will direct to ur upline n ur upline wil enjoy da bonus..
just my 0.00002sen...

agree to u bro, bt pb got rules that agents cnt give service charge discount o..if they noe it ur agents will get disqualify.
i tink if da agent is ur family member then they onli will tk da risk do this, else i doubt will they do it 2u..
btw agents oso nd makan de ma...they nd 100k every month onli cn get 2750 commission, as long as their service is gud then pay them lo.bt mk sure da fund they recommend really earn money la..

when u start buy ur fund? its NAV during ur 1st investment?
ur agent state that ur fund making 3.7% growth @ 666.83 profit..wats it mean? since u earn y stil wan u invest more to lower down ur cost?
if u feel uncomfortable with top up, just tell ur agent u dun wan top up, cz he cnt simply say wan u top up then u nd top up..mk it clear better.

ur agent even not call u out for discuss/explanation 2u?

based on da little info i get above..

ur agent wan u invest more into the fund u buy..because the NAV per unit price is lower(0.516) compare to 0.6606(assume ur ori NAV when u buy) which means u make loss now! tats y i curious y ur agent say u make gain?
so assume now u make loss..u cn minimize ur loss by lowering ur total investment cost,look at exp below

ur initial investment - 10k
ur initial unit - 10000/0.6606 = 15137.75 unit

ur current investment value(if u sold now) - 15137.75 x 0.516 = 7811.08 (u loss 2.2k)

so if u top up another 40% of ur initial value now(4k)
new invest unit - 4000/0.516 = 7751.94 unit
total unit in hand - 15137.75 + 7751.94 = 22889.69 unit
so ur average price per unit is 14000/22889.69 = 0.6116

so ur agent mean u invest more now so u get gain more if da NAV rise more than 0.6116.

sorry the info i get from you is very limited so i duno assumption above is right or not.

Another assumption i can mk from ur statement is...
ur fund is gain since u buy the fund. but current NAV is lower than NAV of Q1..so when u buy more unit at this low price, mean even da price get fall again ur loss oso not tat significant cz ur average value per unit is lower.

just my 0.000000000000002cents..

hi, as i say i duno much about your investment(when u start,initial nav,total invest)..so i oso duno ur fund is earn or loss.
bt the main purpose of ur agent's email is ask u to top up to lower the average cost of unit. her point of view is good for u since constantly investment is good for long term investment.

may i noe y u want invest in PCIF initially? not other fund? objective?

everybody oso cn buy islamic fund..unit trust is for long tern, mean min 3 years..i tink u shud jz buy it less than 1 year so u onli c it mk loss..be patient n doing DDI monthly..u wil c ur return slowly in coming years.

btw got public mutual select fund?are u sure?

public china select fund..IMHO..better do switching to stop your bleeding. take more stable n old fund like PRSF/PDSF..or aggressive fund like PSMALLCAP/PAGF..those fund performance not bad...

FD = low low risk = low low return and it always lose to inflation rate..

normally i wont buy new launch fund..i only pick the fund that perform more than 10 years..
some of the agent don't give you the right advice..but it's better if you can analysis yourself than just listen to your agent, cz its your money nt agent money, they wont care u r making loss or earn sometimes..

This post has been edited by desertkids: Feb 1 2012, 01:56 PM

i tink he didnt ask wat is bond fund..

if who say doing investment sure untung then they definitely bullshit u!!!except our PM that annouce the SARA 1M fund that can gv u 20% pa return..

i say will c return when he didnt mention what fund he is buying. There are no fund cn give u guaranty return in how many years. the reason i ask him keep for 3 years & above is to calm him down when c market fall.(i duno when he buy his china select fund) Do u tink a market will keep on going down for 3 years & above?

im nt dare 2say sure c return in min 3 years..bt wat i noe is in 3 years time market sure wil go up n down..y u mz quit when da market is down n nt wait for it go up again..

fund selection n analysis is very important for investment..i keep my investment portfolio for more than 5 years dy..i nvr panic when market down n hapi wen market up..

ya they wil have incentive as long as ur money stil wif their fund house..up til ur money stil with them..cz every yr pb wil charge u min 1.5% management fee ma..

ok..u right..bt market stil gt up n down in tis 20 years time, compare to 20 years b4 it stil show loss..bt in tis periods they stil gt divident/unit split..list/delist of chip stock..

if frm ur statement say after 20years stil mk loss.then wats da meaning v invest in mutual fund/share market since v noe it mk loss every year?