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> Public Mutual v4, Public/PB series funds

David83
post Aug 11 2012, 04:29 PM


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Public Mutual Berhad (Public Mutual) is the largest private unit trust company in Malaysia and currently manages more than 70 funds with total NAV of more than RM34.3 billion for more than 2,000,000 accountholders. Incorporated in July 1975, Public Mutual began its operations in 1980 with the launch of the Public Savings Fund, and soon went on to become an industry leader and setting forth new trends in innovative fund development.

More: http://www.publicmutual.com.my/AboutUs.aspx

1. Daily NAV price posting

URL: http://www.publicmutual.com.my/application.../fundprice.aspx

2. Public Mutual Onine

URL: https://www.publicmutualonline.com.my/

3. Fund Performance Chart

URL: http://www.publicmutual.com.my/OurFunds/Fu...manceChart.aspx

4. PBebank Internet Banking

URL: http://www.pbebank.com/en/en_content/personal/index.html

5. Important charges

Service Charge

Equity fund
Service Charge: 5.5% of NAV (excluding initial promo and DDI)
Repurchase Charge: NIL
Annual Management Fee: 1.5% p.a of NAV
Trustee Fee: 0.06% p.a. of NAV subjected to min fee of RM 18k p.a. and max fee of RM 600k p.a.

Bond/Money Market fund
Service Charge: 0.25% of NAV
Repurchase Charge: NIL
Annual Management Fee: 0.75% p.a of NAV
Trustee Fee: 0.035% p.a. of NAV subjected to min fee of RM 18k p.a. and max fee of RM 300k p.a.0.25% of NAV

Switching Fee - UPDATED

QUOTE
1. Switching of units is considered a withdrawal/redemption of investment from a fund and an application to purchase units of another fund.
2. Switching of low-load units of bond/money market funds into equity and balanced funds will be subject to service charge.
3. Switching of loaded units may incur switching fee (of up to 0.75%) which is deductible from the redemption proceeds. The net proceeds will be processed into the "switch to" accounts based on the NAV per unit at the close of the business day:

For switching request made within 90 days of the date of purchase of units/switching into the fund, a switching fee of:
- 0.75% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from equity/balanced funds.
- 0.25% or minimum RM50 per transaction will be deducted from the redemption proceeds for switching from bond funds.
- RM25 per transaction will be deducted from the redemption proceeds for switching from money market funds.

For switching request made after 90 days of the date of purchase of units/switching into the fund, a switching fee of RM25 per transaction will be deducted from the redemption proceeds.

4. For Mutual Gold & Elite Members, the 18 and 30 switching entitlements valued at RM25.00 each can be used to offset switching fees incurred. For eg; if the switching fee incurred is RM75.00, a switching entitlement of RM25.00 can be used to offset the switching fee, thereby unitholder only incurs RM50.00 on this switching transaction.
5. Switching transacted before 4:00 pm on any business day will be processed based on the closing NAV per unit of the same business day whilst switching transacted after 4:00 pm on any business day will be processed based on NAV per unit of the next business day.
6. Switching for foreign funds transacted during non-business days of the funds will be processed based on pricing determined at the close of the next business day when both the Switch From and Switch To funds are opened for trading.
7. Public Mutual reserves the right to reject any switching request that it regards as disruptive to efficient portfolio management; or if deemed by Public Mutual to be contrary to the best interest of the fund. Switching requests which are rejected by Public Mutual would be treated as a redemption of units from a fund and a rejection of application to purchase units in the intended fund. As such, unitholders will receive payment of redemption proceeds in the event of a rejection in switching requests.
8. For full switching, please advise the bank to cancel your Direct Debit Authorization immediately.
9. Successful switching transactions will be processed within 2 business days.

6. Previous version

v1: http://forum.lowyat.net/topic/511793
v2: http://forum.lowyat.net/topic/1299169
v3: https://forum.lowyat.net/topic/2007814

This post has been edited by David83: Aug 18 2013, 12:33 PM
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Kaka23
post Aug 11 2012, 08:43 PM


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yay... new thread!!

My PM portfolio funds have not been doing any topping up for 4-5 months already..
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David83
post Aug 11 2012, 09:55 PM


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l have been ignoring them for nearly a year or more.
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peachmonkey
post Aug 12 2012, 09:15 AM


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Hi.

If I missed a Standing Instruction for my Public Mutual funds would the system cancel the SI? Or would it just suspend the SI until there are funds in the account that I'm drawing from?

Reason I'm asking is coz due to some banking errors I did not have any funds in the account that was paying the SI for my PM funds. Only realized after the 8th. So there is no SI this month. Can I still resume the SI?
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Kaka23
post Aug 12 2012, 09:30 AM


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QUOTE(peachmonkey @ Aug 12 2012, 10:15 AM)
Hi.

If I missed a Standing Instruction for my Public Mutual funds would the system cancel the SI? Or would it just suspend the SI until there are funds in the account that I'm drawing from?

Reason I'm asking is coz due to some banking errors I did not have any funds in the account that was paying the SI for my PM funds. Only realized after the 8th. So there is no SI this month. Can I still resume the SI?
*
No worries.. SI will continue next month if you hv funds in your account..
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kparam77
post Aug 12 2012, 09:46 AM


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QUOTE(Kaka23 @ Aug 12 2012, 09:30 AM)
No worries.. SI will continue next month if you hv funds in your account..
*
YES, CORRECT.
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peachmonkey
post Aug 12 2012, 12:17 PM


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QUOTE(Kaka23 @ Aug 12 2012, 09:30 AM)
No worries.. SI will continue next month if you hv funds in your account..
*
QUOTE(kparam77 @ Aug 12 2012, 09:46 AM)
YES, CORRECT.
*
Thanks for the advice. So basically there will be no investment this month right? If say I put money in before the 18th will it auto deduct? Or will the SI only begin next month again?

How long before the SI will auto cancel?
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kparam77
post Aug 12 2012, 06:34 PM


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This is fund performance start from 01/01/2012, as at 31/07/2012.

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


PUBLIC AGGRESSIVE GROWTH FUND (Open For EPF and Cash)
PAGF / 3.51%

PUBLIC ASIA ITTIKAL FUND
PAIF / 6.81%

PUBLIC AUSTRALIA EQUITY FUND
PAUEF /6.81%

PUBLIC BALANCED FUND(Open For EPF and Cash)
PBF / 2.11%

PUBLIC BOND FUND
PBOND /2.99%

PUBLIC CHINA ITTIKAL FUND
PCIF / -8.36%

PUBLIC CHINA SELECT FUND
PCSF / -17.09%

PUBLIC CHINA TITANS FUND
PCTF / -0.92%

PUBLIC DIVIDEND SELECT FUND (Open For EPF and Cash)
PDSF / 9.58%

PUBLIC ENHANCED BOND FUND
PEBF / 4.1%

PUBLIC ENTERPRISES BOND FUND
PENTBF / 1.26%

PUBLIC EQUITY FUND (Open For EPF and Cash)
PEF / 3.20%

PUBLIC FAR-EAST ALPHA-30 FUND
PFA30F / -0.20

PUBLIC FAR-EAST BALANCED FUND
PFEBF / 2.62%

PUBLIC FAR-EAST CONSUMER THEMES FUND
PFECTF / 3.33%

PUBLIC FAR-EAST DIVIDEND FUND
PFEDF / -1.57%

PUBLIC FAR-EAST PROPERTY & RESORTS FUND
PFEPRF / 14.25%

PUBLIC FAR-EAST SELECT FUND
PFES / -6.96%

PUBLIC FAR-EAST TELCO & INFRASTRUCTURE FUND
PFETIF / -4.36%

PUBLIC FOCUS SELECT FUND (Open For EPF and Cash)
PFSF / 12.97%

PUBLIC GLOBAL SELECT FUND
PGSF / 4.91%

PUBLIC GROWTH FUND (Open For EPF and Cash)
PGF / 2.60%

PUBLIC INDEX FUND (Open For EPF and Cash)
PIX / 6.71%

PUBLIC INDONESIA SELECT FUND
PINDOSF / 1071%

PUBLIC INDUSTRY FUND (Open For EPF and Cash)
PIF / 6.70%

PUBLIC INSTITUTIONAL BOND FUND
PINBOND / 1.86%

PUBLIC ISLAMIC ALPHA-40 GROWTH FUND
PIA40GF / 7.62%

PUBLIC ISLAMIC ASIA DIVIDEND FUND
PIADF / 6.95%

PUBLIC ISLAMIC ASIA LEADERS EQUITY FUND
PIALEF / 3.36%

PUBLIC ISLAMIC ASIA TACTICAL ALLOCATION FUND **
PIATAF / 7.37%

PUBLIC ISLAMIC BOND FUND
PIBOND / 3.02%

PUBLIC ISLAMIC DIVIDEND FUND (Open For EPF and Cash)
PIDF / 10.81%

PUBLIC ISLAMIC ENHANCED BOND FUND
PIEBF / 3.14%

PUBLIC ISLAMIC EQUITY FUND (Open For EPF and Cash)
PIEF / 10.55%

PUBLIC ISLAMIC INCOME FUND (Open For EPF and Cash)
PI INCOME / 2.78%

PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND
PIINFBF /2.76%

PUBLIC ISLAMIC MIXED ASSET FUND
PIMXAF / 5.41%

PUBLIC ISLAMIC MONEY MARKET FUND (Open For EPF and Cash)
PIMMF / 1.69%

PUBLIC ISLAMIC OPPORTUNITIES FUND
PIOF /15.14%

PUBLIC ISLAMIC OPTIMAL GROWTH FUND (Open For EPF and Cash)
PIOGF / 9.15%

PUBLIC ISLAMIC SAVINGS FUND
PISVF / 6.76%

PUBLIC ISLAMIC SECTOR SELECT FUND
PISSF / 7.51%

PUBLIC ISLAMIC SELECT BOND FUND
PISBF / 2.62%

PUBLIC ISLAMIC SELECT ENTERPRISES FUND (Open For EPF and Cash)
PISEF / 10.72%

PUBLIC ISLAMIC SELECT TREASURES FUND (Open For EPF and Cash)
PISTF / 9.47%

PUBLIC ISLAMIC STRATEGIC BOND FUND
PISTBF / 2.48%

PUBLIC ISLAMIC TREASURES GROWTH FUND
PITGF / 14.22%

PUBLIC ITTIKAL FUND (Open For EPF and Cash)
PITTIKAL / 8.09%

PUBLIC ITTIKAL SEQUEL FUND
PITSEQ / 10.75%

PUBLIC MONEY MARKET FUND
PMMF / 1.69%

PUBLIC NATURAL RESOURCES EQUITY FUND
PNREF / -3.99%

PUBLIC OPTIMAL GROWTH FUND
POGF / 7.26%

PUBLIC REGIONAL SECTOR FUND
PRSEC / -5.89%

PUBLIC REGULAR SAVINGS FUND (Open For EPF and Cash)
PRSF / 7.95%

PUBLIC SAVINGS FUND (Open For EPF and Cash)
PSF / 6.50%

PUBLIC SECTOR SELECT FUND (Open For EPF and Cash)
PSSF / 4.65%

PUBLIC SELECT ALPHA-30 FUND
PSA30F / 6.48%

PUBLIC SELECT BOND FUND (Open For EPF and Cash)
PSBF / 2.05%

PUBLIC SINGAPORE EQUITY FUND
PSGEF / 14.56%

PUBLIC SMALLCAP FUND
PSMALLCAP / 10.24%

PUBLIC SOUTH-EAST ASIA SELECT FUND
PSEASF / 11.35%

PUBLIC STRATEGIC BOND FUND
PSTBF / 2.39%

PUBLIC STRATEGIC SMALLCAP FUND
PSSCF / 3.12%

PUBLIC SUKUK FUND
PSKF / 2.40%

PUBLIC TACTICAL ALLOCATION FUND
PTAF / 1.77%


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techie.opinion
post Aug 12 2012, 08:55 PM


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QUOTE(Kaka23 @ Aug 11 2012, 08:43 PM)
yay... new thread!!

My PM portfolio funds have not been doing any topping up for 4-5 months already..
*
What fund bro?
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Kaka23
post Aug 12 2012, 09:44 PM


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QUOTE(techie.opinion @ Aug 12 2012, 09:55 PM)
What fund bro?
*
I got 6 funds with PM.. Also also not topping up at the moment!
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jasonlcy
post Aug 13 2012, 06:54 PM


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Hello guys, I only just started in PM coz an agent has been persistently convincing my mum to get an account.

When I want to make adjustments (e.g buy more units, switch funds), I want to find out whether must I do it through the agent or do it myself online? What are the benefits of doing it myself online? Will there still be a service fee?

I browsed through some previous posts saying that "NONE" can be selected for agent's name but I didn't read any post saying someone actually did it.
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john123x
post Aug 13 2012, 06:56 PM


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QUOTE(jasonlcy @ Aug 13 2012, 06:54 PM)
Hello guys, I only just started in PM coz an agent has been persistently convincing my mum to get an account.

When I want to make adjustments (e.g buy more units, switch funds), I want to find out whether must I do it through the agent or do it myself online? What are the benefits of doing it myself online? Will there still be a service fee?

I browsed through some previous posts saying that "NONE" can be selected for agent's name but I didn't read any post saying someone actually did it.
*
account and first time must be on counter.....
subsequently , can be done online.....

This post has been edited by john123x: Aug 13 2012, 06:56 PM
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Pink Spider
post Aug 13 2012, 07:01 PM


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QUOTE(john123x @ Aug 13 2012, 06:56 PM)
account and first time must be on counter.....
subsequently , can be done online.....
*
Do online DIY and still incur full sales charge?
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john123x
post Aug 13 2012, 07:04 PM


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QUOTE(Pink Spider @ Aug 13 2012, 07:01 PM)
Do online DIY and still incur full sales charge?
*
yea...... if exclude promo......

This post has been edited by john123x: Aug 13 2012, 07:04 PM
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Pink Spider
post Aug 13 2012, 07:05 PM


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QUOTE(john123x @ Aug 13 2012, 07:04 PM)
yea...... if exclude promo......
*
Now I understand why more and more moving toward FSM and CIMB Clicks shakehead.gif
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john123x
post Aug 13 2012, 07:12 PM


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QUOTE(Pink Spider @ Aug 13 2012, 07:05 PM)
Now I understand why more and more moving toward FSM and CIMB Clicks shakehead.gif
*
user posted image
dealing with a bank more safer than dealing with FSM......
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xuzen
post Aug 13 2012, 08:00 PM


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Pub-Mut business model gets chanllenged more and more as the days pass by.

I pity those who still want to get in.

Imagine in future zero percent sales charge.

What will the Pub-Mut UTC do then?

--------------------------

No need to see too long into the future, I know for a fact that Pub-Mut will charge 3% for PRS scheme, where the PRS-UTC will get 1.5% commission.

Some Service provider are thinking zero sales charge.... I wonder how will Pub-Mut PRS-UTC counter this chanllenge?

More NSC trip? Free gift? Lucky draw? Cash back?

Xuzen



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jasonlcy
post Aug 13 2012, 08:35 PM


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What does PRS stand for?
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mois
post Aug 13 2012, 08:45 PM


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QUOTE(xuzen @ Aug 13 2012, 08:00 PM)
Pub-Mut business model gets chanllenged more and more as the days pass by.

I pity those who still want to get in.

Imagine in future zero percent sales charge.

What will the Pub-Mut UTC do then?

--------------------------

No need to see too long into the future, I know for a fact that Pub-Mut will charge 3% for PRS scheme, where the PRS-UTC will get 1.5% commission.

Some Service provider are thinking zero sales charge.... I wonder how will Pub-Mut PRS-UTC counter this chanllenge?

More NSC trip? Free gift? Lucky draw? Cash back?

Xuzen
*
I thought you are a PM agent? tongue.gif Well i think some of us here join UTC merely for a lower service charge as an agent ourselves. I think most of the time they can trick aunty and uncle by using 'PM is the largest UT industry and have won many awards every year'. Then they will show how is the performance of the good funds. Not many aunty and uncle know how to use morning star to compare other funds performance. I think they are targetting older people since they have more money. Young people only can DDI RM100-RM1000 every month. Meanwhile aunty uncle can DDI few thousands.

But we as customer should be smart since we got options. If PM not good, just get out of it. Join Fundsupersmart? laugh.gif
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xuzen
post Aug 13 2012, 09:12 PM


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QUOTE(mois @ Aug 13 2012, 08:45 PM)
I thought you are a PM agent?  tongue.gif  Well i think some of us here join UTC merely for a lower service charge as an agent ourselves. I think most of the time they can trick aunty and uncle by using 'PM is the largest UT industry and have won many awards every year'. Then they will show how is the performance of the good funds. Not many aunty and uncle know how to use morning star to compare other funds performance. I think they are targetting older people since they have more money. Young people only can DDI RM100-RM1000 every month. Meanwhile aunty uncle can DDI few thousands.

But we as customer should be smart since we got options. If PM not good, just get out of it. Join Fundsupersmart?  laugh.gif
*
Yes, I am a Pub-Mut UTC mainly to access the internal data for better decision making (e.g. Fund beta, Standard Deviation) and to save on Sales Charge.

I use Pub-Mut for KWSP funds since I get sales charge of only 1% after deducting the agent commission. This is still bearable IMO.

Mois, I have been using the Multi-Fund platform such as FSM since 2008 mainly for cash investment because I will never pay 5.5% for SC.

In the near future once I get my CUTA license, I will be looking at zero sales charge.

Xuzen

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