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 Public Mutual v4, Public/PB series funds

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xuzen
post Nov 18 2012, 10:03 AM

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QUOTE(lazybump_nonsense @ Nov 18 2012, 01:29 AM)
Hi all,

Started invest in PM few weeks ago, PRSF, PISEF and PISBF(bond fund) are under my portfolio now. Any comment from this 3 funds by all gurus out there? I am still a beginner in investment so I not that sure what "homework" I need to do so I just rely on my UTC.

But I also interested in further study in this also. Any gurus out there have some tips for beginner? For the homework after you invested I mean.

Thanks in advance !
*
All the three funds that you quoted are funds from Pub-Mut that has out-perform their respective benchmark. So it is good to buy them.

Btw PISEF and PRSF, both are invested in 100% locally. Perhaps you would consider buying into foreign funds to diversify?

Xuzen

This post has been edited by xuzen: Nov 18 2012, 10:04 AM
lazybump_nonsense
post Nov 18 2012, 11:49 AM

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QUOTE(xuzen @ Nov 18 2012, 10:03 AM)
All the three funds that you quoted are funds from Pub-Mut that has out-perform their respective benchmark. So it is good to buy them.

Btw PISEF and PRSF, both are invested in 100% locally. Perhaps you would consider buying into foreign funds to diversify?

Xuzen
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Hi Xuzen, which foreign market do you suggest ? China one ? If I didn't heard wrongly Europe market is in danger of financial crisis, please correct me if I wrong.

By the way, can I take bond fund as saving ? Invest in bond for my extra money rather than keeping them in saving account right ? I am worry about the service charge.

Some agent out there suggest investor to separate their risk by investing half into bond and half into equity, then when time is right then switch the bond to equity, how does this work? I don't really get it 😥is this the kind of diversify also?
Kaka23
post Nov 19 2012, 02:02 PM

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Hi lazybump,

Yea.. Eurozone is doing quite bad, maybe will remain for 3-5 yrs to come. Just my opinion. For foreign market diversification, ya you can consider Greater China, Asia or Emerging Market. US seems like gaining momentum, but need to monitor what the president going to do to overcome the fiscal cliff.

If you want bond as savings, need to consider your timeframe. Min 1 yr I would day as bond also has risk and volatility. Maybe can part at those better rating bonds rather than high yield bond (Can if you have longer time frame).

I am also doing some percentage into Bond and some into Equities. But havent really execute/exercise them yet because I just started invest actively this 2 yrs. This is just a method that force you to sell high and buy the low. Sell to lock profit and park at bond. Then sell bond to buy into low equities. To do this, you should review and re balancing your portfolio.

jtcs87
post Nov 19 2012, 02:52 PM

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Hi sifu, i also plan to invest on Mutual fund as saving purpose. I'm totally fresh on this investment. Any suggestions or advises for me? Thank you.
Kaka23
post Nov 19 2012, 06:07 PM

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QUOTE(jtcs87 @ Nov 19 2012, 03:52 PM)
Hi sifu, i also plan to invest on Mutual fund as saving purpose. I'm totally fresh on this investment. Any suggestions or advises for me? Thank you.
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Maybe you can spend some time to read through the Public Mutual thread, Fund investment thread and Fundsupermart threat. That you will have some feel on how to start.
lazybump_nonsense
post Nov 19 2012, 10:57 PM

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QUOTE(Kaka23 @ Nov 19 2012, 02:02 PM)
Hi lazybump,

Yea.. Eurozone is doing quite bad, maybe will remain for 3-5 yrs to come. Just my opinion. For foreign market diversification, ya you can consider Greater China, Asia or Emerging Market. US seems like gaining momentum, but need to monitor what the president going to do to overcome the fiscal cliff.

If you want bond as savings, need to consider your timeframe. Min 1 yr I would day as bond also has risk and volatility. Maybe can part at those better rating bonds rather than high yield bond (Can if you have longer time frame).

I am also doing some percentage into Bond and some into Equities. But havent really execute/exercise them yet because I just started invest actively this 2 yrs. This is just a method that force you to sell high and buy the low. Sell to lock profit and park at bond. Then sell bond to buy into low equities. To do this, you should review and re balancing your portfolio.
*
Thanks for the advice kaka23 ! I've more than one year to keep my money in bond, as I invest in Public Mut ( PISBF), an islamic bond. I also do top-up monthly.


jutamind
post Nov 20 2012, 04:30 PM

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any good Public series bond fund that is still available for investment?

if i invest in public series bond fund then switch to any other public series equity fund, i have to pay 5.5% + rm25 switching fees?
jtcs87
post Nov 20 2012, 10:58 PM

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Where i can find those material for every different kind of products in PM?
Kaka23
post Nov 20 2012, 11:10 PM

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QUOTE(jtcs87 @ Nov 20 2012, 11:58 PM)
Where i can find those material for every different kind of products in PM?
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Bro.. just google Public Mutual for their website.
jtcs87
post Nov 20 2012, 11:14 PM

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QUOTE(Kaka23 @ Nov 20 2012, 11:10 PM)
Bro.. just google Public Mutual for their website.
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I'm don't know much these at all even i read from google. Conservative or aggressive.. rclxub.gif
Kaka23
post Nov 20 2012, 11:23 PM

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QUOTE(jtcs87 @ Nov 21 2012, 12:14 AM)
I'm don't know much these at all even i read from google. Conservative or aggressive.. rclxub.gif
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Haha.. Then you should take some time to read this thread from post number 1 till now..
jtcs87
post Nov 20 2012, 11:45 PM

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QUOTE(Kaka23 @ Nov 20 2012, 11:23 PM)
Haha.. Then you should take some time to read this thread from post number 1 till now..
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Must be doing more homework before i going to this investment? rclxub.gif
Kaka23
post Nov 20 2012, 11:49 PM

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QUOTE(jtcs87 @ Nov 21 2012, 12:45 AM)
Must be doing more homework before i going to this investment?  rclxub.gif
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Yup bro.. It is your hard earn money..
lazybump_nonsense
post Nov 21 2012, 01:43 PM

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QUOTE(jtcs87 @ Nov 20 2012, 10:58 PM)
Where i can find those material for every different kind of products in PM?
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Find an agent to help you, you can get an agent through Public Mutual head office, but beware of what they said because there's a conflict of interest as they want sell their product. Do research on their words before you buy their product(unit trust fund)
kucingfight
post Nov 21 2012, 01:51 PM

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PBIBF (public bank islamic bond fund) is still open for EPF. had invested in it twice already. no brainer for those conservatives
Kaka23
post Nov 21 2012, 01:57 PM

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QUOTE(kucingfight @ Nov 21 2012, 02:51 PM)
PBIBF (public bank islamic bond fund) is still open for EPF. had invested in it twice already. no brainer for those conservatives
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What is the return like bro? 0.25% sales charge?
kucingfight
post Nov 21 2012, 02:05 PM

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QUOTE(Kaka23 @ Nov 21 2012, 01:57 PM)
What is the return like bro? 0.25% sales charge?
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consistently, 7-9% return/ pa

yeah 0.25% charge
lazybump_nonsense
post Nov 21 2012, 02:10 PM

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QUOTE(kucingfight @ Nov 21 2012, 02:05 PM)
consistently, 7-9% return/ pa

yeah 0.25% charge
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still beat inflation rate by 2-3% rclxms.gif do you do top-up monthly?
cheahcw2003
post Nov 21 2012, 08:50 PM

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QUOTE(kucingfight @ Nov 21 2012, 01:51 PM)
PBIBF (public bank islamic bond fund) is still open for EPF. had invested in it twice already. no brainer for those conservatives
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I m a big fan of this fund b4 it closed for public.
Didn't know that they still open for EPF
lazybump_nonsense
post Nov 22 2012, 11:10 AM

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Now looks like all the fund is dropping in price, should we worry about it?

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