er.. there's no such thing as "Public Fund".
1. What's the specific fund's name?

2. U check online? where? Public Mutual Online? OR some other portal?

3. Which column are U referring to when U stated "but it never above RM2000"?
Possible what - it went down
and what do U mean "its at 1972"?

dude - your Qs are akin to:
a. My car's meter keeps showing FULL (dunno which meter - U just said fund but didnt specify)
Shouldn't it go down X.xx% as it is used? (not all funds cost 5.5% lar)

b. and no fund is at 1972 lar.
U in the wrong world? 

oh look, a butterfly... <totally distracted & chases butterly>

MGQP = Mutual Gold Qualifying Points. It is one point for each ringgit invested (including the service charge). 120,000 points will qualified you some benefits, ie. free monthly magazine, free switches, etc.

Calculation of the 5.5% service charge:
Invested value = RM2000 / (100% + 5.5%) = RM1895.73
Service charge = RM2000 - RM1895.73 = RM104.27

Number of units bought:
RM1895.73 / NAV price at date bought = Number of Units.

Balance NAV = Units x current NAV price.

Within PMO (Public Mutual Online), you can check out the past transactions and it will shows the above service charge and the transacted NAV price on the purchased date.

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Question: In the first post, you mentioned February. In the 2nd post, it was "since January". I suspect it could also be Jan/Feb 2013, not 2014; since this fund has gained more than 10% YTD (Year-To-Date).

Secondly, it is a Balanced fund. If you want to trade (meaning invest for very short term), you should go for the more aggressive Public Indonesia Select fund with 5% higher gain at above 15% YTD.

Cheers.

1st of all, you must get the lingo or some important words correct. "Switch" and "Sell and buy" are 2 different meanings.

A) In "Switching" from one fund to another fund, there is a switching fee, which is RM25.

B) "Sell" or "Cashing out" of a fund and then "buy" another fund, means that you are getting out of a fund, selling all the units and having the money by cheque or debit directly into your savings account. Then use the money to purchase another fund. This means you are paying the service charge again when purchasing the new fund. This is alright if the service charge is zero. But this is Public Mutual, and the service charge is as high as 5.5%.

So please note the difference between (A) and (B).

Secondly, you must get the names of the fund correct. There is no fund such as "Public Asean Dividend Fund". They are either "Public South-East Asia Select Fund" or "PB Asean Dividend Fund".

"Public" and "PB" are 2 separate series of funds. You may "switch" from a "Public" fund to another "Public" fund, but NOT from a Public fund to a PB fund.

To transfer from a Public fund to a PB fund, you will need to "Sell and Buy" (as in method B), and pay the service charge again. This I would not recommend; as it is, paying the service charge once is already costly enough, to repeatedly pay the service charge again and again is idiotic! 

Yes, Public Bond Fund is closed; new investment is no longer accepted.

As in previous posts, recommendation on whether to hold or switch into another fund would depends on your overall financial plan and how you want to build the portfolio.

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I'll take that those units in the bond fund are low-load units (paying service charge of 0.25%), so it's not paying high service charge again...

One question I often wonder myself is what is short term? How long is a long term? Short term is 3 years, and 5 years is long term?

Another question some of you might be wondering is why I am still here in public mutual?
Simple reasons: a) I'm already here, and had paid the service charges; a long time ago. b) I'm in for the long term, and long term meaning 'forever'.

Think about this 'forever' long term.

If you are investing correctly into mutual funds, and getting good returns, do you want to exit and put your money back into a savings account or FD? Or do you mean you intend to cash out and invest into another investment tool like a condo or house or commercial property and get regular rental income? When you are older and in retirement, with less brain cells and maybe getting a bit senile?    Not me. A bird in the hand is worth 2 in the bush.

Recommendation: See above excellent advices. Otherwise tell us what's so special about this Asean fund that you have to have that you don't mind paying 5.5%.

Cheers.

PS. Please note that what is expected from any fund in the near future is a speculation. If the fund goes up 11%, it can also go down 11%. ok, every thing is fine and dandy when it goes up. If goes flat (which is not the worse case scenario), there's the opportunity cost for the 5 years, and 5.5% down in the pocket.

IMHO, short-term play is trading... go to a less costly place to trade, and emerge with bigger winnings.

Dear Unitholder, We are pleased to attach the market wrap and bond market review for the week/fortnight ended 1 August 2014 for your information. Regards Customer Service