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> Public Mutual v4, Public/PB series funds

David83
post Jan 14 2013, 10:59 PM


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QUOTE(birdman13200 @ Jan 14 2013, 10:22 PM)
PM launch new fund "PB Mixed Asset Conservative Fund (PBMAC)".
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It's actually PB but managed by PM:

http://www.publicmutual.com.my/LinkClick.a...jBA%3d&tabid=87
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cheahcw2003
post Jan 15 2013, 09:01 AM


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QUOTE(David83 @ Jan 14 2013, 10:59 PM)
This new fund's proposed portfolio is like Public enhanced bond where 70% in Fixed income, 30% equity. But then Public enhanced bond fund's initial service charge is only 0.25%, compared to this newly launched fund charging 5.5%. Another overcharged service charge fund from PM/PB.
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birdman13200
post Jan 15 2013, 06:27 PM


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QUOTE(cheahcw2003 @ Jan 15 2013, 09:01 AM)
This new fund's proposed portfolio is like Public enhanced bond where 70% in Fixed income, 30% equity. But then Public enhanced bond fund's initial service charge is only 0.25%, compared to this newly launched fund charging 5.5%. Another overcharged service charge fund from PM/PB.
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Although 0.25%, but I got no RM100k to invest into Public Enhanced Bond Fund, how?
So, PM know to control their marketing strategics and make u buy the new fund.

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gen_ius84
post Jan 15 2013, 06:31 PM


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Hi all, been reading all 30 pages of v4 (and v3 partially). I have 3 funds namely PIDF, PISSF and PIOG from EPF (75%) and cash investment (25%). As these 3 are equity funds, do I need to open one bond/moderate fund first before I can do switching i.e. Open another tabung before I can deposit? Or can i select to do switching to any bond fund and automatically a bond fund can be selected?

Thanks heaps. Been enjoying reading all these banter and educational stuff, especially from Mr. Wong and Mr. Xuzen.
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wongmunkeong
post Jan 15 2013, 06:47 PM


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QUOTE(gen_ius84 @ Jan 15 2013, 06:31 PM)
Hi all, been reading all 30 pages of v4 (and v3 partially). I have 3 funds namely PIDF, PISSF and PIOG from EPF (75%) and cash investment (25%). As these 3 are equity funds, do I need to open one bond/moderate fund first before I can do switching i.e. Open another tabung before I can deposit? Or can i select to do switching to any bond fund and automatically a bond fund can be selected?

Thanks heaps. Been enjoying reading all these banter and educational stuff, especially from Mr. Wong and Mr. Xuzen.
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Thanks for "absorbing" Gen_iUS84 (uncle ni perasan, thought only 1 Wong around tongue.gif).

Ok, down to the technicalities:
1. To open a new a/c (bond fund or otherwise), minimum $1K

2. Thus, when U want to switch from Equity to Bond fund:
a. Are U going to switch >=$1K worth?
If so, U don't need to bother creating a bond fund a/c now
When U switch, it will be created automatically.

b. If U are going to switch < $1K, then yes please plonk in $1K into a bond fund a/c now.

NOTE:
another donkey technicality to consider - minimum units to SWITCH is 1,000 units if i'm not mistaken.
IMHO, pretty not-smart lor, shd be based on VALUE mar, not UNITS. doh.gif
eh.. i didnt come up with this "note" technicality yar, PMut did notworthy.gif

This post has been edited by wongmunkeong: Jan 15 2013, 06:54 PM
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wongmunkeong
post Jan 15 2013, 06:51 PM


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QUOTE(jtcs87 @ Jan 13 2013, 04:24 PM)
So you means that i focus on one fund first?  icon_question.gif
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I meant that U may be having more exposure to China than U planned/wished.
However, if U don't mind that, then no issue mar biggrin.gif

Keep in mind, diversifying is good to a point.
However, since we're talking about mutual funds here, Funds A, B, C, D, E & F (wah diversified cow cow hor 6 funds) may be holding similar country's stocks or same stocks, thus your personal exposure to the specific country or specific stock(s) is HIGH and U aren't as diversified as U thought/planned.
Thus, i highlighted that PFES & PRSEC holds quite a bit in China equities the last i checked.

Just a thought
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gark
post Jan 15 2013, 07:35 PM


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QUOTE(birdman13200 @ Jan 15 2013, 06:27 PM)
Although 0.25%, but I got no RM100k to invest into Public Enhanced Bond Fund, how?
So, PM know to control their marketing strategics and make u buy the new fund.
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PEBF need 100K to invest meh? Cannot be lar... tongue.gif
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birdman13200
post Jan 15 2013, 07:48 PM


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QUOTE(gark @ Jan 15 2013, 07:35 PM)
PEBF need 100K to invest meh? Cannot be lar... tongue.gif
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See urself.

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Kaka23
post Jan 15 2013, 08:13 PM


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QUOTE(birdman13200 @ Jan 15 2013, 08:48 PM)
See urself.

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Looks like a lot of rich people in Malaysia...
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birdman13200
post Jan 15 2013, 08:31 PM


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QUOTE(Kaka23 @ Jan 15 2013, 08:13 PM)
Looks like a lot of rich people in Malaysia...
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I am just checking on their latest report, see below. There are about 86% of the fund owner not reaching 100k, which they are purchase before the rule change. So they are really "lock" up this fund, can see can not buy for most people, rclxm9.gif


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Kaka23
post Jan 15 2013, 08:43 PM


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QUOTE(birdman13200 @ Jan 15 2013, 09:31 PM)
I am just checking on their latest report, see below. There are about 86% of the fund owner not reaching 100k, which they are purchase before the rule change. So they are really "lock" up this fund, can see can not buy for most people,  rclxm9.gif
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wonder why they want to increase the investment cap? the fund really performing so good?
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howszat
post Jan 15 2013, 10:16 PM


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QUOTE(wongmunkeong @ Jan 15 2013, 06:47 PM)

NOTE:
another donkey technicality to consider - minimum units to SWITCH is 1,000 units if i'm not mistaken.
IMHO, pretty not-smart lor, shd be based on VALUE mar, not UNITS.  doh.gif
eh.. i didnt come up with this "note" technicality yar, PMut did  notworthy.gif
*
If the switch request is based on VALUE, by the time they get to processing your request, the NAV may have dropped so much that there is not enough VALUE to switch.

If the switch is by UNITS, you will never have that problem.

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wongmunkeong
post Jan 15 2013, 10:52 PM


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QUOTE(howszat @ Jan 15 2013, 10:16 PM)
If the switch request is based on VALUE, by the time they get to processing your request, the NAV may have dropped so much that there is not enough VALUE to switch.

If the switch is by UNITS, you will never have that problem.
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True but does the majority of investors think in terms of units or value?
In addition, what is the chance that "the NAV dropping so much that there is not enough VALUE to switch"?

Anyhow, when i mean "switch by value", i meant switching units but NOT at a minimum of 1,000 units, not verbatim switch by value $ per se. My bad - my previous posting can be construed such.

This post has been edited by wongmunkeong: Jan 15 2013, 10:53 PM
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cheahcw2003
post Jan 15 2013, 10:59 PM


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QUOTE(birdman13200 @ Jan 15 2013, 06:27 PM)
Although 0.25%, but I got no RM100k to invest into Public Enhanced Bond Fund, how?
So, PM know to control their marketing strategics and make u buy the new fund.
*
The things is new fund is overprice by 5% for the similar portfolio.
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howszat
post Jan 15 2013, 11:04 PM


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QUOTE(wongmunkeong @ Jan 15 2013, 10:52 PM)
True but does the majority of investors think in terms of units or value?
In addition, what is the chance that "the NAV dropping so much that there is not enough VALUE to switch"?

Anyhow, when i mean "switch by value", i meant switching units but NOT at a minimum of 1,000 units, not verbatim switch by value $ per se. My bad - my previous posting can be construed such.
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When it comes to investment (aka MONEY), what investors think, or what the chances are do not come into it. The terms and conditions should be precise and not leave anything to "chances".

But from a user convenience point of view, I agree. I prefer to use value, rather than convert value to units.



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gen_ius84
post Jan 16 2013, 02:10 PM


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Thanks Mr. Wong for responding; it is more than 1000 units so I can just switch without opening the bond account first. Know any good-performing islamic bond? When switching to bond from equity, what is the min amount required to maintain the equity account?

This post has been edited by gen_ius84: Jan 16 2013, 02:12 PM
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Kaka23
post Jan 16 2013, 05:55 PM


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QUOTE(gen_ius84 @ Jan 16 2013, 03:10 PM)
Thanks Mr. Wong for responding; it is more than 1000 units so I can just switch without opening the bond account first. Know any good-performing islamic bond? When switching to bond from equity, what is the min amount required to maintain the equity account?
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You should be able to get this information from the fact sheet..
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gen_ius84
post Jan 16 2013, 07:58 PM


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QUOTE(Kaka23 @ Jan 16 2013, 05:55 PM)
You should be able to get this information from the fact sheet..
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Sorry Kaka, by fact sheet do you mean the prospectus? Where can I get my hands on them? Actually I only just registered at PB branch for PM online. Fact is, I've instructed my PM agent to discontinue my EPF investment as I'm moving to CWA and become part-time agent (lower sales charge) now that I'll be actively monitoring my funds. Only last week done my analysis and learning the ropes.

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Kaka23
post Jan 16 2013, 08:33 PM


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QUOTE(gen_ius84 @ Jan 16 2013, 08:58 PM)
Sorry Kaka, by fact sheet do you mean the prospectus? Where can I get my hands on them? Actually I only just registered at PB branch for PM online. Fact is, I've instructed my PM agent to discontinue my EPF investment as I'm moving to CWA and become part-time agent (lower sales charge) now that I'll be actively monitoring my funds.  Only last week done my analysis and learning the ropes.
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Yeap.. From their prospectus. Look for minimum account balance need to be maintained.

Not mistaken, most funds should have a min of 1000units..
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mois
post Jan 17 2013, 11:32 AM


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Just look at Public Far-East Property & Resort.

The rally just wont stop. Wonder if it is still the right time to top up? The property sectors are very diversified across the countries.
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