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 Public Mutual v4, Public/PB series funds

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post Nov 10 2013, 11:58 AM

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Hi, im new to unit trust, would like to know more on bond fund, is this more toward on short term return instead like equity on m-long term?
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post Nov 10 2013, 12:18 PM

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ic, then what is the diff between invest in bond and equity?
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post Nov 10 2013, 12:18 PM

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QUOTE(Kaka23 @ Nov 10 2013, 12:06 PM)
UT bonds better for long term. unless you buy the bond funds that invest in short term tresuaries..
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ic, then what is the diff between invest in bond and equity?
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post Nov 10 2013, 04:42 PM

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QUOTE(David83 @ Nov 10 2013, 12:49 PM)
Different asset class.

Bond is a debt notes issued by corporation or government for specific amount of money loaned in return of certain percentage of return upon maturity. It's works like FD but has risk implanted with it.

Equity is investing into various stocks (dividend, growth, penny, etc) in the share market.
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izit people want higher return but less risk so they choosing bond fund?
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post Nov 10 2013, 07:34 PM

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QUOTE(felixmask @ Nov 10 2013, 05:25 PM)
Higher return come with higher risk.

[attachmentid=3714826]

http://www.c2vtrader.com/Risk-And-Money-Management.php
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yah, i understand this, actually my question is y people choosing bond fund as there is a risk compare to FD and lower return compare to equity.
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post Nov 10 2013, 07:37 PM

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QUOTE(David83 @ Nov 10 2013, 07:18 PM)
Bond or bond funds generally offer higher return than FD and hardly can outpace an equity fund.
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erm, can i say like this,

people invest in bond fund bcoz it offer higher return than FD but lower risk compare to equity?
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post Nov 11 2013, 12:24 AM

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QUOTE(felixmask @ Nov 10 2013, 09:43 PM)
you have answer...return higher than FD.

FD basically is BANK fix income product to their bank customer and part of bank business way taking deposit to give loan.

While BOND is a structure fix income security which promise given by a enterprise/company(NON BANK) to loan money rather borrow thru commercial bank.

Loan money from bank the interest may be higher and volatile rate, the reason enterprise/company may be prefer using BOND to gain financial, only way attract investor by giving higher than FD rate.

By LAW FD is only offer by bank, non other than bank which take/put your money in their account by return % rate is Investment structure.

Furthermore BANK FD is insured by PIDM up to rm250k max, and always NOT categorize as investment product.

Sharing how bank making money
http://www.youtube.com/watch?v=jqvKjsIxT_8

You try to google BOND and FD definition.

Bond definition http://en.wikipedia.org/wiki/Bond_(finance)

Recently BOND ipo; maybe you ineterst to apply.
http://www.danainfra.com.my/index.php?opti...id=69:frontpage
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Thks for ur explanation and sharing... smile.gif
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post Nov 12 2013, 05:38 PM

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is reinvest of the dividend consider as interest compounded?
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post Nov 13 2013, 12:30 PM

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QUOTE(birdman13200 @ Nov 12 2013, 06:45 PM)
no, nothing special is happen.
dividend is decreasing your NAV, while reinvest will increase your total purchase unit, in general, ur holding value in RM is same.
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IC, i also wonder why my UTC say is interest compounded ><''
is there any way to view the past price of PMFund?
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post Nov 13 2013, 01:46 PM

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QUOTE(yklooi @ Nov 13 2013, 12:58 PM)
hmm.gif why past price?

Read post #1 for current price
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To see the trend? blink.gif

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post Nov 13 2013, 02:28 PM

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QUOTE(yklooi @ Nov 13 2013, 01:53 PM)
but just take note that the NAV may drop when there is a distribution of dividend....so the trend may.... rclxub.gif

i think post #1 has a link to the FUND PERFORMANCE Chart...there i think you can see the trend
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haha... i tak pandai see the performance chart & QFR also ><''
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post Nov 13 2013, 05:29 PM

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QUOTE(yklooi @ Nov 13 2013, 02:31 PM)
there is a guide
How to use Fund Performance Chart?
http://www.publicmutual.com.my/OurProducts...manceChart.aspx

just a note: past performance may not be an indicative of future performance
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Msg noted, so normally how u choose the fund to invest? What info you take into consideration?


As for me,
If Based on the performance chart,
- i have no idea, just saw the performance is up up up???


If based on the QFR,
- The morningstar rating & Lipper Leaders might be high, but the return is just so so??


* pls correct me if any wrong as im still new to unit trust. appreciated. smile.gif
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post Nov 13 2013, 05:36 PM

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QUOTE(yklooi @ Nov 13 2013, 02:31 PM)
there is a guide
How to use Fund Performance Chart?
http://www.publicmutual.com.my/OurProducts...manceChart.aspx

just a note: past performance may not be an indicative of future performance
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Now im looking for below few fund,

PUBLIC SINGAPORE EQUITY FUND (for long term invest)
PUBLIC OPTIMAL GROWTH FUND
PUBLIC INDEX FUND
PUBLIC INDUSTRY FUND
PUBLIC SMALLCAP FUND (Not open for investment)

planning to invest by EPF,
PUBLIC ISLAMIC SELECT ENTERPRISES FUND (only for EPF investment)
PUBLIC ISLAMIC DIVIDEND FUND

Any comment for me? blink.gif
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post Nov 13 2013, 06:19 PM

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QUOTE(felixmask @ Nov 13 2013, 06:13 PM)
are u planning to do ONE LUMP SUM or regular TOP UP?
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Lump sum possibly.
Maybe regular for optimal growth.



and both PUBLIC ISLAMIC DIVIDEND FUND & PUBLIC ISLAMIC SELECT ENTERPRISES FUND for EPF invest.
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post Dec 18 2013, 12:26 PM

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QUOTE(williamlee_1985 @ Dec 18 2013, 12:15 PM)
so now if we withdraw epf money to invest in UT will get 25% tax eh? sob sob
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No Tax Imposed on EPF Withdrawals
Following the video, articles and comments circulated over the Internet concerning 20 per cent tax rate imposed on EPF withdrawals, the Employees Provident Fund (EPF) advises its members that the allegation is untrue.

The EPF would like to clarify that no tax is imposed on all EPF withdrawals and the Fund is not related to the Private Retirement Scheme (PRS).

We hope that with this clarification, the issue regarding tax imposed on EPF withdrawals is addressed.




NIK AFFENDI JAAFAR
General Manager
Public Relations
Employees Provident Fund

Date: 9 December 2013


Above announcement is 9/12/13, so which true??
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post Dec 18 2013, 05:06 PM

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Can I know what the means of private saving?
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post Dec 18 2013, 06:15 PM

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QUOTE(koinibler @ Dec 18 2013, 05:55 PM)
Maybe you mean PRS?
Public Mutual is 1 of 8 company that offer Private Retirement Scheme.

http://www.publicmutual.com.my/Default.asp...tual.com.my/prs
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Is UT consider as private saving also?
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post Dec 18 2013, 06:49 PM

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tq all the sifu advise, bcoz I hear sumbody say the 20% tax impose on the private saving is included the UT @@''

so is like GE/HLA/ Pru retire plan consider as private saving too?
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post Dec 18 2013, 10:57 PM

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QUOTE(yklooi @ Dec 18 2013, 06:54 PM)
doh.gif pls read post # 2026
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haha... always answer myself v a question. ok, got it. tq
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