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 Public Mutual v4, Public/PB series funds

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SUSPink Spider
post Apr 25 2013, 11:38 PM

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QUOTE(xuzen @ Apr 25 2013, 11:34 PM)
Come come to AmInvest, Eastspring, Kenanga, OSK-UOB, Pheim, RHB where the sales charge for bond fund is at an all time low of ZERO sales charge.

Thank you Public Mutual for making it easier for investor to make a decision.

Xuzen.
*
obvious sarcasm is sarcastic laugh.gif
SUSPink Spider
post May 19 2013, 12:57 AM

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QUOTE(SiChaoBear @ May 18 2013, 04:02 PM)
Hi people.. I need some help..I bought a fund from an agent..But her service is terribly bad..How to sell the fund I bought without her knowing it? Thanks a lot!
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That's the problem with many Asians - not daring to tell off ppl who render bad service in the face.

That's why we continue to suffer with bad services from public to private sector grumble.gif
SUSPink Spider
post Jun 9 2013, 09:01 AM

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QUOTE(pinksapphire @ Jun 9 2013, 02:49 AM)
I'm not too sure if this is the right thread to ask, but I'm just gonna take a stab at it.
I have this person who keeps calling and messaging my friend, wanting to promote PB Mutual funds to him. I'm planning to tag along because he's going to finally give in and listen to what this person has to say. I'm just wondering if there's anything that we can use about this fund as a defensive way of staying away from buying anything from that agent? I know the agent's going to say the best things about it, so we wanna have some good points to use as a mean of not signing up. We've already being upfront and told the person we're not interested, yet, being aggressive and all, the agent still wants to meet up and since we're all former colleagues, we cannot totally say no after rejecting so many god damn times.

I know this funds have its own good points, so I just want to know if there's a quick summary about things that people usually say to not want to be involved?
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I can give u a good one - "I invest on my own thru FSM, way cheaper Sales Charge than PM, and I'm very happy and comfortable with it." cool2.gif

Which agent also will die speechless laugh.gif
SUSPink Spider
post Jun 9 2013, 10:50 AM

Formerly known as Prince_Hamsap
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QUOTE(wongmunkeong @ Jun 9 2013, 09:26 AM)
Safest / best way to say "let me consider" / buy time?
Ask the agent:
1. What do U personally invest in?
2. Why for (1.)?
3. How for (1)? Dollar Cost Averaging, Value Cost Averaging, Trend, Lelong, combinations?
4. How long have U been investing in the above & methods?
5. What is your (agent's) total CAGR for the above?
6. Would U be able to show be the proof of returns for the above? ie. returns pa% / CAGR per transaction or per investment vehicle?

If our buddy can show/answer all the above logically
AND was not invested pre-2008 or better yet, pre-1997
AND is cocky like 'sure win one",
U know this fellow never got hit by worlwide or regionwide market crisis/meltdown. Run Forest Forrest, run! tongue.gif

Just a thought  notworthy.gif
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tongue.gif laugh.gif thumbup.gif
SUSPink Spider
post Jun 9 2013, 04:31 PM

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QUOTE(David83 @ Jun 9 2013, 04:28 PM)
Dear Unitholder, We are pleased to attach the market wrap and bond market review for the week/fortnight ended 31 May 2013 for your information. Regards Customer Service
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I find it ironic, u have been staying away from PM but still supporting this thread laugh.gif
SUSPink Spider
post Jul 19 2013, 06:10 PM

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QUOTE(David83 @ Jul 19 2013, 04:41 PM)

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wooi u use FSM FAQ to assist PM customer, not nice! tongue.gif
SUSPink Spider
post Aug 17 2013, 11:49 AM

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QUOTE(xuzen @ Aug 17 2013, 11:30 AM)
Go buy bond fund at FSM or Phillip Mutual Berhad (PMB) @ zero sales charge.

Some of the good bond fund include AMIncome Plus, KAF Bond, Eastspring Bond are at zero sales charge.

Pub-Mut... go fly kite lar.

Xuzen
*
From a PM agent himself laugh.gif rclxms.gif
SUSPink Spider
post Aug 30 2013, 11:17 AM

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QUOTE(kimyee73 @ Aug 30 2013, 10:42 AM)
worse, you now pay tax to the government. Better don't have redistribution.
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Tax is imputed

From company to fund (shareholder of the company) to unitholder (of the fund)

No effect at all
SUSPink Spider
post Aug 30 2013, 11:40 AM

Formerly known as Prince_Hamsap
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QUOTE(nightzstar @ Aug 30 2013, 11:27 AM)
imputed?  blink.gif
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Give u an example, the figures are not realistic, just to illustrate the principle of imputation

ABC Berhad profit before tax RM100
Pays tax RM20 (20%)
Pays out RM80 as NET dividend to shareholder, Mr Bintang Malam brows.gif

Mr Bintang Malam receives RM80 dividend, the RM20 tax is IMPUTED to him
Declares GROSS dividend of RM100 in his income tax submission
Mr BM's tax rate is 10%, tax on dividend is RM100 x 10% = RM10
He will receive refund of RM10 from government

But nowadays more and more divvies are single-tier tax exempt already

Next year no more imputation (Section 108)

So, divvy or not does not matter anymore

This post has been edited by Pink Spider: Aug 30 2013, 11:42 AM
SUSPink Spider
post Aug 30 2013, 11:55 AM

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QUOTE(xuzen @ Aug 30 2013, 11:48 AM)
Simpler some more... you buy divvy counter just look at Div Yield terus terus dapat answer... no need to bring out calculator calculate imputation liao.

Xuzen
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Xuzen

I'm just trying to dispel the myth of "better to pick a fund with no distribution, cos I will suffer tax if got distribution"

Pinky
SUSPink Spider
post Aug 30 2013, 01:34 PM

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QUOTE(kimyee73 @ Aug 30 2013, 10:45 AM)
of course he understand. he is the famous Uncle Looi of FSM thread...  whistling.gif  smile.gif  biggrin.gif
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laugh.gif
SUSPink Spider
post Aug 30 2013, 04:45 PM

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QUOTE(yklooi @ Aug 30 2013, 04:32 PM)
notworthy.gif  notworthy.gif  thumbup.gif
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Salah!

user posted image = user posted image

thumbup.gif

Both Unker gark and Yoda also green tongue.gif

This post has been edited by Pink Spider: Aug 30 2013, 04:45 PM
SUSPink Spider
post Sep 11 2013, 04:08 PM

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QUOTE(blackstar88 @ Sep 11 2013, 04:04 PM)
medium to long term investment takes how long to get 1st time dividend? i bought SQGSQF when it launch and until now i nvr get any...
*
A bit free at office today so I'm gonna do some charity work...

https://forum.lowyat.net/topic/2910659

Read Post #1, point no. 3 (ii) and (iv)
SUSPink Spider
post Sep 11 2013, 04:18 PM

Formerly known as Prince_Hamsap
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QUOTE(davinz18 @ Sep 11 2013, 04:15 PM)
Your post #1 very2 informative for those new in UT

Thanks for sharing rclxms.gif
*
Just doing a small contribution toward clearing one of the most common misconception about unit trusts. notworthy.gif

"DIVIDENDS ARE IRRELEVANT, WHAT MATTERS IS THE TOTAL RETURN."

This post has been edited by Pink Spider: Sep 11 2013, 04:19 PM
SUSPink Spider
post Sep 29 2013, 12:40 PM

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I'd use a conservative 5% projected compounded return to be safe.

This post has been edited by Pink Spider: Sep 29 2013, 12:40 PM
SUSPink Spider
post Nov 18 2013, 10:11 AM

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QUOTE(kevyeoh @ Nov 17 2013, 10:50 PM)
Hi,
when you mentioned long term, how long will that be?
i noticed some of the bond funds..past 3 years..the performance probably worse than saving in FD...
smile.gif
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Recent years are dark years for bonds. Look at 10-years history for "long term"
SUSPink Spider
post Nov 19 2013, 10:54 PM

Formerly known as Prince_Hamsap
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QUOTE(bb100 @ Nov 19 2013, 10:44 PM)
Why cannot lehh? The financial year end for every fund is stated in the fund reports mahh. So a few days after the financial year end of the fund for sure its NAV will be very low, means that time will be a good time to load/switch lohh. Not like this wan mehh?
*
Read THOROUGHLY ALL the FAQs on Post #1 here:
https://forum.lowyat.net/topic/3011236

This post has been edited by Pink Spider: Nov 19 2013, 10:54 PM
SUSPink Spider
post Nov 19 2013, 11:09 PM

Formerly known as Prince_Hamsap
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QUOTE(bb100 @ Nov 19 2013, 11:06 PM)
PHWARRRRRRRR!!! Itu I manyak tak paham lohh. rclxub.gif  rclxub.gif Semua itu jargons I manyak the pening. rclxub.gif  rclxub.gif

How????????????? cry.gif  cry.gif
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Then just take j.passing.by's words, YOU ARE WRONG.

If u wanna know where u went wrong, read what I asked u to read UNTIL U UNDERSTAND. biggrin.gif
SUSPink Spider
post Nov 19 2013, 11:18 PM

Formerly known as Prince_Hamsap
********
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QUOTE(bb100 @ Nov 19 2013, 11:15 PM)
cry.gif  cry.gif  cry.gif

Ask engineering pipu go read finance stuff is like ask Albert Einstein go art gallery see art. rclxub.gif  rclxub.gif Very torture yo.

Can explain a bit ahh boss what I got wrong? I rerry the hope I can understang how this unit trust fungsyen wan lohh so that I can making the big moneh. icon_rolleyes.gif
*
grumble.gif

I use a kindergarten analogy to teach u

A UT is like an apple pie

First I cut the pie in 4 pieces. U own a piece, I own a piece, Jib Kor own a piece and Altantuya brows.gif own a piece

Then when UT year-end, I do "distribution". I cut the pie into smaller pieces. Now we all own 2 pieces each. But 2 pieces u own now weighs the same as the 1 piece u own prior to "distribution"

Ada faham ar??? tongue.gif

If still your under cannot stand and u lazy to read, no one can help u whistling.gif

This post has been edited by Pink Spider: Nov 19 2013, 11:19 PM
SUSPink Spider
post Nov 20 2013, 09:43 AM

Formerly known as Prince_Hamsap
********
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QUOTE(wongmunkeong @ Nov 20 2013, 08:09 AM)
Anyhow, if U wish NOT to understand (it is very clear in Pink's link + pie example) & want to be spoon-fed, U may want to stay with FD or else U may be building an "unstable" investment methodology - ie. dangerous for U
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Thanks for the compliments notworthy.gif

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