Newbie question: Is the sales charge same when purchasing PM via PMO or agent? or PMO cheaper? 

What's going on? All bonds & income funds got heavily hammered!
Losing much more than equity funds in a day.

die-lah then,..i still got some $$ in P Strategic Bond...  

can anybody teach me how to withdraw/liquify funds in public equity fund?

can i do it through any Public Bank or must it be Public Mutual branch?

fixed income refer to those bonds? other than bonds what else is considered fixed income? thks in advance.

ok noted on that, i am kind of confused of what investment can be considered as fixed income. 

Makan bubur this year if depending on bond/sukuk fund to give returns. The income distributions by these funds will 'eat' into the principal amount (eg. its current value is less than its invested amount)... alright to those investors who need these annual distributions for "regular income", but to investors in the accumulation stage, it is advisable to hold more equities.

There is no guarantee in unit trusts even in bonds or sukuks. The closes thing to FD would be the money-market funds which is just below FD rate at about 2.8%.

A fixed income can also refer as any fund that has annual income distribution policy stated in its prospectus. A good example of a fixed income fund is Public Bond Fund, which is closed. Some equities, like PDSF, also has annual distribution policy.

The 'fixed income' refer by Xuzen in the Equity/Bond ratio would refer to money-market/bonds/sukuk funds... as these funds might not necessary provide a fixed stable income as it used to be (as proven in the sharp drop in bond funds recently) but will not drop much in value when compare to equity funds in an adverse market.

Try holding 100% in equities when you are already past the accumulation stage...

not as many as I used to have.    Even in bond funds, I have the whole range of them, PB bond, islamic bond, Public sukuk, infrastructure bond, PB sukuk, select bond, what else... already forgot some  . But slowly knocking off one-by-one into money-market; which is currently 3 different money-market funds!

If following the Supreme Model, there will be at least 14 equity funds, "at least" because I most likely to split 1 or 2 funds further and hold more.

Please don't get me wrong. Number of funds DO NOT equates to larger investment. 70% of portfolio splitting into 7 funds (10% each) is still the same as splitting into 14 funds (5% each). And if we split a 5% to 5 funds (1% each), we could eventually end up with 20 equity funds!

The only criteria I need to meet is the minimal 1000 units per switch! 30, 40, 50 funds? The possibility is endless!

Too bad Google did not pick up this popular thread! But you can easily find it using "supreme" as the keyword on the lower left, then click the 'search topic' button. Sorry, no nice pictures in this thread! 

How I top-up? Had posted this strategy also months ago - via EPF (3% instead of the usual 5.5% charge); put into a bond fund before switching bit by bit into equity fund.

(EPF money, can buy local funds only; so I had to reserved my old loaded non-EPF units for foreign funds and local small cap funds.)

where can i check the % of allocation for countries or sectors of PM Funds?
example...if i have the Public Regional Sector Fund (PRSEC) and i wanted to see the % of allocation to each region...where can i see that?

thanks for the info.
was given the master prospectus by the UTC at tesco...and had been searching for required info....

I don't. I've already reached my immediate goal (gold status) and have enough troopers many years ago. EPF is about 30% of the portfolio and some of these EPF units are still low-load units.

So you see, I have already set up all positions and combat-ready anytime. No logistic problem in moving and loading the low-load units; and got free airlift services every year. I can freely move my units around accordingly to the battle plan.

yes, it's the financial attachment in the full annual report. Either find it inside PMO, or if you holding the fund, the annual report is mailed to you.

Dividend, if declare will reinvest into funds

hi,

if i have loaded units (1034.24) dd2013 and Low-load units (973.56) dd2014.

if i make partial switching to equity, let say rm1k (994 units). which unit will system move first?

China has up side potential.  Pe is attractive. It will be your call and faith if china can perform.

I personall has china fund to bought around this year for diversification and i believe it can go up.

Your fund is down -15%, so depends how long you can keep. You think to beat 15% till.

Sorry, guys... I need to challenge your views...

1. Please do not assume all funds are the same. And in direct connection to its underlying index or benchmark.

2. He was talking about a specify fund, and whether China has potential or not, that relationship is secondary. This was how he got into trouble in the first place. I know, since I was in his situation before, and that's how I got there. Too readily buying into the sales pitch "China has big potential". 

3. Just a quick look at the "Fund Performance" Chart for this fund, and flick through 3 years, 5 years, and since fund commencement will shows that this fund really, really underperformed its benchmark.

4. In the 1-year range, it has increased 17.14% (benchmark 18.03%). Still under performing, but keeping up with its benchmark.  But note it is a volatile fund, can drop 10% in a matter of weeks as shown in the chart, dropping from about 17% to 7%. How will it fare in the near future? We can only speculate.

5. Whether to drop the fund, fully or partially... as mentioned too often, depends on how the structure of the portfolio should be. And at what stage is the portfolio.... if still at the beginning stage, then continue DCA to average down the costs of the units (if the fund is a permanent part of portfolio).

If the fund is too large (and too volatile to you) , then trim it by switching a portion of it to a more conservative fund (but foreign), or into a local fund.

6. Me? I don't have the patience... I dropped it like a hot potato 2 years ago, and it went up 24% since then. Regret? NO! I'm now having a much better portfolio (which suit my needs) and had more than recovered what I lost. (See the small caps YTD performance in the previous post... all better than PCSF's 0.39%.)

Takes a bow and courtsey.

As for me, I am now looking at regional REITs.

Xuzen

My guess. Too many funds. Lost focus. Fund managers' works overloaded. A manager has to manage many funds under his/her scope; one leg kick.