Hallo to all forumers...
I would like to invest in pm fund..
My budget is around 5-7k..
Can you guys give recomendations which fund performing consistently and give high total return for long term? Ecspecialy in PB FUnD AND NOT PUBLIC FUND(agent)..
Thank you..

Hallo to all forumers...
I would like to invest in pm fund..
My budget is around 5-7k..
Can you guys give recomendations which fund performing consistently and give high total return for long term? Ecspecialy in PB FUnD AND NOT PUBLIC FUND(agent)..
Thank you..

I think there is not such fund consistently give high return, it will flow the market up and down.

If you look at PB fund, I would recommend PBADF. You can study it. just my comment.

Hi Xuzen,

May i know how to read the Sharpe-ratio??

hi alex4838,

http://iliveinkk.blogspot.com/2012/10/sharpe-ratio.html

this link can help you.

thanks mate.

hello peeps,

I just came across this info, and i found out that this idea actually work and logical.

To sell off when a fund is going to declare distribution and reap the capital gain. and then buy back. After all, we will still get the distributed unit .

is this what the Unit trust Pro doing?

"this idea actually work and logical"?
er.. have U calculated the cost & time to execute? Done it hands-on? worth the hassle?

NEXT!

This post has been edited by wongmunkeong: Aug 9 2013, 11:43 PM

some investor do when the fund NAV at peak and nearby toward declare distribution month they do switching to avoid paying tax to government. Especially those GOLD elite a lot money can save without giving back to gov, they able to accept/believe unit trust can go up matter of time.

Juz another investor thought/action why do so.

i found out that this idea actually work and logical...they just explain to you or have you tested it?
mind to share some data?
sell off then buy back? what about the Sales Charges?

HI yklooi


i hope is his<alex4843> sole exclusive agent.

This post has been edited by felixmask: Aug 10 2013, 12:25 AM

Wow.. You sure this works?

Sharpe Ratio = (ROI less Risk free rate)/Standard Deviation of the asset

It is a comparative ratio, not absolute ratio.

To put it in lay-person term.....

Let's say your unit trust fund X return is 13.15% p.a. and risk free rate (e.g. 12mth Maybank FD rate) = 3.15% and the standard deviation from the mean for the unit trust fund is 10%, then the Sharpe ratio will be:

(13.15 - 3.15)/10 = 1.00


Lets say another unit trust fund Y return is 13.15% p.a., same risk free rate with a sta-dev of 7.5%. Then the Sharpe ratio becomes:

(13.15 - 3.15)/7.5 = 1.33

This means that the risk adjusted return for Unit Trust Fund Y is superior to that of X. Means, cepat-cepat go buy Y. Go lar......

Xuzen.

hi yklooi,

this technics i read from this FORUM last nite from somebody else.

I did bought PISEF last year using Ringgit Cost average by end of July the NAV RM3330 (MQPA - RM3250). So the capital gain is around RM80.

but after the Unit distribution on 1-"August my NAV is RM3290. And of course my Unit increase by around 300 units. As you can see my capital gain after the distribution is getting lesser .

not sure, actually i read it from somebody else post in this forum

A straight talker here, so let me set you straight without misleading questions... it is a false concept.

1) You don't sell and buy. What you do is switch to another fund, maybe a bond or money market fund... Note the difference in "sell" and "switch".

2) Distribution makes no difference to the NAV just a day before or after the distribution date. There was a decline in the stock market during the last 3 days of July. Don't make assumption based on a personal incidence, it is almost wrong... NAV before/after distribution date was well-discussed here in this FORUM... if you have read all the past pages, you are still not getting the right info... beware of some posts and posters... they can be misleading.

Am re-reading the above post... to be frank, it is nonsensical.

The distributed units is only added to those units (on say 31st July) and then the NAV unit price is adjusted to reflect the additional units. No gain, not lost after the distribution date. Any gain or lost is due to market movement... as normal.

If you have already 'sold' the units, you will not get the distributed units... this is where I see the nonsense in the contradictory sentence.

Cheers.

...back to the drawing board on beating the system...

There is a downside to the distribution part, whenever there is distribution, it is also time for our beloved taxman to come and collect their dues.

In plain english, distribution = taxable, capital gain = non taxable. That is why I love PRS, the only unit trust product so far that is tax exempted.

Another one that do not declare distribution are those investment linked fund. They never declare distribution and. Their unit price goes up to RM3++. If not for the cost of insurance attached to it, I would have gone into it.

Xuzen

Guys, do u think now is a good time to enter bond / fund ?