QUOTE(Lineage @ Aug 1 2014, 09:47 PM)
how long you invest on PDSF? and how's the return so far?Public Mutual v4, Public/PB series funds
Public Mutual v4, Public/PB series funds
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Aug 2 2014, 12:28 PM
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2,471 posts Joined: Jan 2003 |
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Aug 2 2014, 03:54 PM
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~ |
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Aug 2 2014, 04:40 PM
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere |
QUOTE(Lineage @ Aug 2 2014, 03:54 PM) er.. my apologies for butting in.U may not want to use "distribution" as a measure of returns. distributions made reduces the NAV of the fund, thus, the value it adds to investors at the end of the day is zero. A better picture would be: 1 - (value now / cost U sunk in); where value now = units * NAV; cost U sunk in = your $ taken out from EPF The above will give U the simple returns (not time measured returns like CAGR or pa compounded). Just sharing an idea butting out |
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Aug 2 2014, 04:54 PM
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Senior Member
8,188 posts Joined: Apr 2013 |
QUOTE(wongmunkeong @ Aug 2 2014, 04:40 PM) er.. my apologies for butting in. U may not want to use "distribution" as a measure of returns. distributions made reduces the NAV of the fund, thus, the value it adds to investors at the end of the day is zero. A better picture would be: 1 - (value now / cost U sunk in); where value now = units * NAV; cost U sunk in = your $ taken out from EPF The above will give U the simple returns (not time measured returns like CAGR or pa compounded). Just sharing an idea butting out sorry for butting in also. fyi...both my PDSF and PIDF YTD returns for 2014 till June are less than 2% |
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Aug 2 2014, 04:55 PM
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All Stars
23,851 posts Joined: Dec 2006 |
QUOTE(Lineage @ Aug 2 2014, 03:54 PM) Return is not the same as " distribution" per se......A fund could be merely making 2% for that year..but distributes out 7% back to u....... Meaning in fact the fund pays u back 5% of your capital.u park with them earlier ....... .. Sometimes it sounds good for people who depend on some passive incomes for their living , like having a 10% distribution, but it is better for u to know the real meaning of the distribution, then to wait for a crisis to appear ( Malaysia culture ). then only willing to find out more.... Best Regards.. This post has been edited by SKY 1809: Aug 3 2014, 01:40 AM |
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Aug 3 2014, 01:33 AM
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Senior Member
4,524 posts Joined: Oct 2007 From: ~Still finding the place~ |
QUOTE(wongmunkeong @ Aug 2 2014, 04:40 PM) er.. my apologies for butting in. U may not want to use "distribution" as a measure of returns. distributions made reduces the NAV of the fund, thus, the value it adds to investors at the end of the day is zero. A better picture would be: 1 - (value now / cost U sunk in); where value now = units * NAV; cost U sunk in = your $ taken out from EPF The above will give U the simple returns (not time measured returns like CAGR or pa compounded). Just sharing an idea butting out QUOTE(yklooi @ Aug 2 2014, 04:54 PM) sorry for butting in also. fyi...both my PDSF and PIDF YTD returns for 2014 till June are less than 2% QUOTE(SKY 1809 @ Aug 2 2014, 04:55 PM) Return is not the same as " distribution" per se...... Thanks for all experts advice..I'm new to this field..so as I check my current statement, the simple return is 0.54%..is that mean that from the time I invest, and until now I only get 0.54% return?A fund could be merely making 2% for that year..but distributes out 7% back to u....... Meaning in fact the fund pays u back 5% on your capital.u park with them earlier ....... .. Sometimes it sounds good for people who depend on some passive incomes for their living , like having a 10% distribution, but it is better for u to know the real meaning of the distribution, then to wait for a crisis to appear ( Malaysia culture ). then only willing to find out more.... Best Regards.. |
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Aug 3 2014, 07:18 AM
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8,259 posts Joined: Sep 2009 |
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Aug 3 2014, 03:47 PM
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Senior Member
8,188 posts Joined: Apr 2013 |
QUOTE(Lineage @ Aug 3 2014, 01:33 AM) Thanks for all experts advice..I'm new to this field..so as I check my current statement, the simple return is 0.54%..is that mean that from the time I invest, and until now I only get 0.54% return? (Nav of now X number of units held) minus total amount paid = "A" "A" divided by the months invested into it = "B" "B" x 12 = app returns per year. |
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Aug 4 2014, 08:23 PM
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Senior Member
1,205 posts Joined: Feb 2006 From: Kuala Lumpur |
Just to enquire about PM's PRS, can I sign up for it at a branch?
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Aug 5 2014, 12:17 PM
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Senior Member
774 posts Joined: Feb 2011 |
agent..pls pm me..
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Aug 5 2014, 04:51 PM
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All Stars
52,874 posts Joined: Jan 2003 |
Dear Unitholder, We are pleased to attach the market wrap and bond market review for the week/fortnight ended 25 July 2014 for your information. Regards Customer Service
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Aug 6 2014, 11:25 AM
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Junior Member
7 posts Joined: Aug 2014 |
QUOTE(SKY 1809 @ Aug 2 2014, 04:55 PM) Return is not the same as " distribution" per se...... Hi, I'm new here. What is the best time to top i.e. before distribution or After Distribution? A fund could be merely making 2% for that year..but distributes out 7% back to u....... Meaning in fact the fund pays u back 5% of your capital.u park with them earlier ....... .. Sometimes it sounds good for people who depend on some passive incomes for their living , like having a 10% distribution, but it is better for u to know the real meaning of the distribution, then to wait for a crisis to appear ( Malaysia culture ). then only willing to find out more.... Best Regards.. TQ in advance |
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Aug 6 2014, 11:28 AM
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Senior Member
8,188 posts Joined: Apr 2013 |
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Aug 6 2014, 11:34 AM
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7 posts Joined: Aug 2014 |
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Aug 6 2014, 11:36 AM
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Junior Member
7 posts Joined: Aug 2014 |
QUOTE(j.passing.by @ Aug 2 2014, 12:07 AM) If we were looking internally, and disregard all the 'noise' about the market... to decide when to switch: Hi, when I click the link, no info on value averaging. please advise. TQ.1. Re-balancing a matured portfolio, to regain back the desired bond/equity ratio. 2. During the accumulation stage (beginning stage of savings and investing into UT), and if using the Value Averaging method. When the value of the fund is more than the amount that you required or had planned, and you need to 'sell'. (For more info into value averaging - http://www.bogleheads.org/wiki/Value_averaging) ============= |
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Aug 6 2014, 12:13 PM
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere |
QUOTE(AVMS @ Aug 6 2014, 11:36 AM) seriously? gosh - just remove the ) from the link and try lar http://www.bogleheads.org/wiki/Value_averaging |
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Aug 6 2014, 01:25 PM
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Senior Member
1,639 posts Joined: Nov 2010 |
QUOTE(AVMS @ Aug 6 2014, 11:36 AM) link corrected...Get also try this link: http://lmgtfy.com/?q=value+averaging |
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Aug 6 2014, 03:14 PM
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Junior Member
7 posts Joined: Aug 2014 |
QUOTE(wongmunkeong @ Aug 6 2014, 12:13 PM) seriously? gosh - just remove the ) from the link and try lar Got it. TQ http://www.bogleheads.org/wiki/Value_averaging |
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Aug 6 2014, 03:16 PM
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Junior Member
7 posts Joined: Aug 2014 |
QUOTE(j.passing.by @ Aug 6 2014, 01:25 PM) Will try this link as well. TQ |
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Aug 6 2014, 04:08 PM
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Senior Member
1,007 posts Joined: Oct 2006 From: island up north |
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