PBFI or PSTBF

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

yaya it's closed, he's just showing you the potential of good bonds' return

again, they r both diff class of funds. bond n equity, and investment region
if ur conservative n looking for a slow n steady growth, bond fund (PBFI) suits u well, else any other equity funds. high risk, high gain/lost

Personally, for equities, i'll just stick to local based funds

i supposed the bonds from PB are doing quite well..

it won't work, once dividends declared, NAV drops @ the same time. there's no free money, dividends have to come FROM somewhere

LOL..cut long story short.

EPF declares INTEREST RATE.
any UT declares DIVIDENDS.. habis cerita

and exactly. google why dividends are bad. it;s only passing the money from ur left to right hand value with tax incurred. so in most cases, u actually loose more.

This post has been edited by kucingfight: Sep 7 2011, 09:33 PM

yeap i invested some in PSKF..juz for fun..lol..but okla..usually bonds don perform the 1st yr

+1 , n low service charge..2% n sometimes even 1%.

currently, it's closed . and has been closed for a few months already

perhaps, public bank sukuk/bond mayb a good alternative

yup they are both gd bond funds, performed even @ their 1st yr. i tend to prefer the islamic

there are some determining/guiding factors: sharpe ratio, alpha ratio, risk adjusted return etc. a fellow forumer, 'xuzen' is very well versed in these, i'm just researching/reading up with all these

yeah relatively a new fund, hard 2 judge. probably, it's better to switch to PISTBF/ PSTBF (currently open). but again, who knows the PB sukuk could be the another PBIBF

honestly, i would recommend holding off for now first. Market's consolidating and the global sentiment isnt good

yup indeed is crazily high. 5.5%. and when invested the 'wrong' period, it really takes some time to recoup the service charge. there are many other Unit trust agents out there, like fundsupermart, at times, promotional 1%.

PCSF? forget bout it, shitty fund, till up to today

currently, i'm slowly converting my equities to bonds

Bond funds = PSTBF, PISTBF

other good bonds too = AMBON ISLAM, AMDYNAMIC BOND

here are some 'better' bonds available for investment rite now
-PSTBF
-PISTBF
-PIINFBF
-PBINFBF

alternatively, redeem ur PM, and invest in amdynamic bond

i would suggest putting in BONDS first , eg; PISTBF, PSTBF

alternatively, other good bonds like amdynamic bond.

yeap no problem if you opt to do this strategy. everyone has their own plan.juz be reminded the incurring 5.50% charge back to equity from bond again.
but my advise, yeah if you've bought it at 'low' peak, just hold on to it.

This post has been edited by kucingfight: Mar 1 2012, 04:14 PM

since ur new to financials, invest in bonds first, it's sort of like a FD with higher return. Remember, rule of thumb, do not invest blindly, only invest in what u understand. only then, when ur more knowledgeable, u can explore other options