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 Public Mutual v4, Public/PB series funds

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gsan
post Aug 2 2014, 12:28 PM

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QUOTE(Lineage @ Aug 1 2014, 09:47 PM)
laugh.gif  My first fund was PDSF..
*
how long you invest on PDSF? and how's the return so far?
Lineage
post Aug 2 2014, 03:54 PM

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QUOTE(gsan @ Aug 2 2014, 12:28 PM)
how long you invest on PDSF? and how's the return so far?
*
I was invested using EPF. For last distribution on May 2014 was 7%.
wongmunkeong
post Aug 2 2014, 04:40 PM

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QUOTE(Lineage @ Aug 2 2014, 03:54 PM)
I was invested using EPF. For last distribution on May 2014 was 7%.
*
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 notworthy.gif
butting out
SUSyklooi
post Aug 2 2014, 04:54 PM

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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 notworthy.gif
butting out
*
rclxms.gif
sorry for butting in also.
fyi...both my PDSF and PIDF YTD returns for 2014 till June are less than 2%
SKY 1809
post Aug 2 2014, 04:55 PM

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QUOTE(Lineage @ Aug 2 2014, 03:54 PM)
I was invested using EPF. For last distribution on May 2014 was 7%.
*
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
Lineage
post Aug 3 2014, 01:33 AM

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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 notworthy.gif
butting out
*
QUOTE(yklooi @ Aug 2 2014, 04:54 PM)
rclxms.gif
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......

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..
*
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?
Kaka23
post Aug 3 2014, 07:18 AM

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QUOTE(yklooi @ Aug 2 2014, 05:54 PM)
rclxms.gif
sorry for butting in also.
fyi...both my PDSF and PIDF YTD returns for 2014 till June are less than 2%
*
Unker Looi.. U invest in UT everywhere
SUSyklooi
post Aug 3 2014, 03:47 PM

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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?
*
hmm.gif I used to try this simple cal...
(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.


Havoc Knightmare
post Aug 4 2014, 08:23 PM

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Just to enquire about PM's PRS, can I sign up for it at a branch?
wlchong79
post Aug 5 2014, 12:17 PM

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agent..pls pm me..

SUSDavid83
post Aug 5 2014, 04:51 PM

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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
AVMS
post Aug 6 2014, 11:25 AM

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QUOTE(SKY 1809 @ Aug 2 2014, 04:55 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..
*
Hi, I'm new here. What is the best time to top i.e. before distribution or After Distribution?
TQ in advance
SUSyklooi
post Aug 6 2014, 11:28 AM

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QUOTE(AVMS @ Aug 6 2014, 11:25 AM)
Hi, I'm new here. What is the best time to top i.e. before distribution or After Distribution?
TQ in advance
*
Same, same.
before and after also no different.
different is the number of units you will get.
AVMS
post Aug 6 2014, 11:34 AM

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QUOTE(yklooi @ Aug 6 2014, 11:28 AM)
Same, same.
before and after also no different.
different is the number of units you will get.
*
Okay. TQ for reply.
AVMS
post Aug 6 2014, 11:36 AM

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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:

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)

=============
*
Hi, when I click the link, no info on value averaging. please advise. TQ.
wongmunkeong
post Aug 6 2014, 12:13 PM

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QUOTE(AVMS @ Aug 6 2014, 11:36 AM)
Hi, when I click the link, no info on value averaging. please advise. TQ.
*
seriously? gosh - just remove the ) from the link and try lar doh.gif doh.gif doh.gif
http://www.bogleheads.org/wiki/Value_averaging
j.passing.by
post Aug 6 2014, 01:25 PM

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QUOTE(AVMS @ Aug 6 2014, 11:36 AM)
Hi, when I click the link, no info on value averaging. please advise. TQ.
*
link corrected...

Get also try this link: http://lmgtfy.com/?q=value+averaging

AVMS
post Aug 6 2014, 03:14 PM

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QUOTE(wongmunkeong @ Aug 6 2014, 12:13 PM)
seriously? gosh - just remove the ) from the link and try lar  doh.gif  doh.gif  doh.gif
http://www.bogleheads.org/wiki/Value_averaging
*
Got it. TQ thumbup.gif
AVMS
post Aug 6 2014, 03:16 PM

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QUOTE(j.passing.by @ Aug 6 2014, 01:25 PM)
link corrected...

Get also try this link: http://lmgtfy.com/?q=value+averaging
*
Will try this link as well. TQ thumbup.gif
kimyee73
post Aug 6 2014, 04:08 PM

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QUOTE(gsan @ Aug 2 2014, 12:28 PM)
how long you invest on PDSF? and how's the return so far?
*
Just sharing mine. My PDSF annualized return is 10.26% as of 7/31/14 and I've invested since May 2005.

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