local funds recover faster.

assume stock A price rm1.00

dividends rm0.10

next day open at rm0.90, (unker wong, xuxen, correct me if i wrong)

but if any bid to buy at rm1.00 and transaction done, the price will be closed at rm1.00 again if seller bit at rm1.00. that is base on 1 transaction in a day. but bidding price could be diff. buyermay bid lowerthan rm0.90 and seller may bit higher than rm1.00. when both buyer and seller bid match, the trasaction will be done.

(unker wong, xuxen, correct me if i wrong)

while UT, if dividends is rm0.10, the next day open with rm0.90,closing price will be calculated base on FUND VALUE / UNIT IN CIRCULATION.

islamic funds follow shariah compliants..... conventional not follow the shariah.

pls google waht is shariah compliants.

im not too goodlah... still learning also

check this.... http://www.publicmutual.com.my/LinkClick.a..._4%3d&tabid=248

see the fund objective, risk profile, asset allocation, past returns.. etc.... u will get some clear picture.

mutual gold?

http://www.publicmutual.com.my/MutualGold.aspx

---

Added on September 18, 2012, 8:16 am1.yes.

2. yes, if u started the investment from the 1st day of this fund.

This post has been edited by kparam77: Sep 18 2012, 08:16 AM

which are the funds u investing?
since when?
underperfoming?local funds?which?
ur age?
ur risk tolerance?conservative?
what is ur plan?retirement?

PDSF is moderate income funds. mainly invested in local market. main objective to get steady dividends yield and give annual income to investors.

the money invested in is after deduct the SC. so, i think the fund performance not related to SC. but yes,management fees and trustee fees are take into calcualtion for daily NAV price, which can affect the fund performance VS benchmark.

ur invesment value need to calculate including all the relaven charges and fees. the chart showing exclusive SC.

its looks like u r a china funds lover. all the funds u invested has asset allocation in china market. local minimal only. if u look at the funds same period with local funds, u can c the diff, local funds doing well compare to those funds u invested as at now..

china stocks considered as undervalued stocks, so, the price now at discount prices. if u realy aggressive, shud take the opportunity to top up. but cannot guarantee abt the future performance.

if u dont want to take any more risk, switch all the fund to bond fund now. dont exit. switch back to local dominated funds later. maybe after the GE.

PFETIF doing well too. ya, why not switch all to this funds. but again. not guarantee too for future performance.

u only can compare the funds which approved by epf. u may not c much diff below 5 yrs. its need time to break epf returns unless market up, up, up. funds can outperform EPF returns after any big crashes like 2008.

suggestion only:
local market dominate by EPF and PNB. so, its better invest those funds ride with this dominators. the risk is minimal compare with china market dominated funds at the moments.

waht else is missing, i want to backup before upgrade it.

tkhs for the info's.

the memo said, only the EPF comparison will be removed. i already backup those.

tkhs for Q.

advise.
1. understand waht is UT including involve RISK.
2. plan or goals like retirement, education etc. AND DONT OVER COMMIT.
3. choose the funds which is cater with ur risk tolerance.
4. action. lump sump or regular.
5. stick with plan until you achieve it.


no recomend.. only suggestion.

islamic funds... go for EPF aprroved funds (eventhough u invest with cash). u can consider the newly launched local islamic funds (less than 3 yrs) as well. for ur info, most of the funds perform similar for me. if ur priority for annual income... go for income/divdedns funds...... for capital gain..... go for aggressif growth funds. both has diff investment objective.... and ur obbjective should be similar with funds too.

if u too concervative (too much worry abt losing ur capital)..... better go for sukuk.


ur age?
ur risk tolerance?conservative?
what is ur plan?retirement?

i think is not a good idea to invesst in UT to settle the housing loan.

unker wong can suggest better way to u.

wong need ur help here.

or if u still prefer UT, maybe we can plan for it.

sukuk may give returns similar to EPF with lower risk.

waht is ur time frame?

sorry to say taht not able to help with short time period via UT base on current market condition. unless like 2008/2009 when KLCI drop to around 800 points. and PRSF recovered until now 100%++. but need to put rm150K on that time.

1. waht u can do is go for bonds/sukuk funds with minimal risk. just accept waht u can get from it.
2. another way, like unker wong suggest, go for penny stocks. but dont simply hantam. learn first. even with min rm10k u can achieve ur target less than 3 yrs, if u choose the right stock at right time. go to stock market treat, u will get some guide/tips from there.

my advice;
be careful in stock market, u may lost ur capital as well.

3rd party not alows to withdraw on behalf. only aagents or investor themself.

if she got public mutual online, can redeem via online.

why need to redeem? any reason?

---

Added on September 21, 2012, 1:47 pm2nd option is better.

waht is ur priority, gain or income?

This post has been edited by kparam77: Sep 21 2012, 01:47 PM

ask her agent to do it.

u r which agent? PM? or other UT company?

how long u be an agent? why u help ur client to sell the units? u want to buy back under u is it?

i also face the same issue with some of my clients. but i advice them do not disturb the portfolio since doing well. i create diff/new portfolio for them.

its not tooooo difficult to ur clients to register online and mange by her. its a free service and easy to manage. unless ur client dont hv internet access.

i dont know why so difficult for the client to sell back the units? why the client need UT agent from other company to sell on behalf? why dont do ownself?

i always advice my clients to register online, its not related to my roles, its related to the client C their statement anytime they want. get my advice/guides if they need to do any repurshase, switch, or any additional investment.

if the engaged agent not doing service after sales, yes, u can kick them. but not nessasary need to redeem the units. just dont sign up any new form-lah.

back to ur Q's..

which is faster/easy to sell?

A. agent submit the form to sell.
B. investor go to PM branch and redeem.
C. investor redeem via online.

what is ur answer?

tis is what im try saying to TT.

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



Public Mutual declares distribution for Public Enterprises Bond

Fund



Public Bank’s wholly-owned subsidiary, Public Mutual, declared a gross distribution

of 0.25 sen per unit and unit split of 1:100 for Public Enterprises Bond Fund

(PENTBF). The distribution announcement was made in conjunction with the fund’s

financial period ending 30 September 2012.



PENTBF, which was launched in March 2012, aims to provide annual income

through investments in fixed income securities and money market instruments.



PENTBF seeks to meet its objective of providing annual income by investing at least

75% of its net asset value (NAV) in sovereign bonds and corporate bonds issued by

entities with total assets exceeding RM3 billion at the point of purchase. The balance

of the fund’s NAV will be invested in other corporate bonds and money market

instruments.



PENTBF is suitable for investors with conservative risk-reward profiles, seeking

stability of annual income with some safety of principal.



Public Mutual is Malaysia’s largest private unit trust company with 94 funds under

management. It has 2.7 million accountholders. As at end August 2012, the total net

asset value of the funds managed by the Company was RM49.95 billion.

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

Public Mutual mengumumkan pengagihan untuk Public Dana

Enterprises Bond





Anak syarikat milik penuh Public Bank, Public Mutual, mengumumkan pengagihan

kasar sebanyak 0.25 sen seunit dan pecahan unit sebanyak 1:100 bagi Public Dana

Enterprises Bond (PENTBF). Pengumuman pengagihan tersebut dibuat sempena

dengan tempoh kewangan dana berakhir pada 30 September 2012.



PENTBF yang telah dilancarkan pada bulan Mac 2012, bermatlamat untuk

menyediakan pendapatan tahunan melalui pelaburan dalam sekuriti pendapatan tetap

dan instrumen pasaran wang.



PENTBF bertujuan untuk mencapai objektifnya dengan menyediakan pendapatan

tahunan dengan melabur sekurang-kurangnya 75% daripada nilai aset bersihnya

(NAB) ke dalam bon berdaulat dan bon korporat yang dikeluarkan oleh entiti-entiti

yang mempunyai jumlah aset melebihi RM3 bilion pada masa pembelian. Baki NAB

dana akan dilaburkan ke dalam bon-bon korporat dan instrumen pasaran wang lain.



PENTBF adalah sesuai bagi pelabur-pelabur yang bersifat konservatif dalam menerima

risiko dan ganjaran serta ingin memperolehi pendapatan tahunan yang stabil dengan

wang pokok yang agak selamat.



Public Mutual merupakan syarikat unit amanah swasta yang terbesar di Malaysia

dengan menguruskan sebanyak 94 dana. Syarikat tersebut mempunyai seramai lebih



2.7 juta pemegang akaun. Pada akhir bulan Ogos 2012, jumlah nilai aset bersih dana

yang diuruskan oleh syarikat tersebut adalah sebanyak RM49.95 bilion.

NEW REQUIREMENT FOR MUTUAL GOLD

We wish to inform that effective 1 January 2013, the new requirement for Mutual Gold Members will be a minimum investment of 120,000 Mutual Gold Qualifying Points (MGQP), based on the First Registered Holder.

Existing Mutual Gold Members will continue to enjoy the Mutual Gold exclusive privileges and benefits based on the minimum investment of 100,000 MGQP. However, the new requirement of 120,000 MGQP will apply if they lose their Mutual Gold status (ie. their total MGQP drops below 100,000 and they do not top up within three (3) months).

Mutual Gold members will enjoy the following exclusive benefits and privileges namely :

• Free Group Personal Accident with Permanent Disability Insurance coverage of up to RM500,000. Please refer to the terms and conditions of this insurance coverage.

• A complimentary Magazine

• Quarterly Statement of Accounts

• Repurchase Cheques Within 2 Business Days

• A Co-Brand Mutual Gold-PB Visa Platinum Credit Card which comes with: -Annual fee waiver

• RM50 Activation Cash Reward & RM50 Anniversary Cash Reward

• PB Cash MegaBonus of up to 0.9% on selected retail purchases

• 0.3% Mutual Gold Cash Bonus on selected retail purchases, subject to a maximum payment of RM100 per annum, to be credited to the card account during birthday month.

-A chance to win a Surprise Gift on your birthday!
• Free Will Writing service
• Free Trust Nominations

• Invitation to seminars and investment talks

What is Mutual Gold? - http://www.publicmutual.com.my/OurProducts...MutualGold.aspx

So, those invest or complete regular investment or top up to RM100,000 before 31 Dec 2012, will eligible for Mutual Gold Member. Starting 1st Jan 2013, it will be RM120,000.


Kindly pls call your servicing agent for more details.

waht is the diff? any link for fsm gold status ?

why? maybe i can help u.

---

Added on October 3, 2012, 9:59 pm

This post has been edited by kparam77: Oct 3 2012, 09:59 PM