Hi WintersuN,

Dou still remember how much you invest initial ? do you top-up transaction in between. I also hv PFEPRF, no rugi.....

Yes i got topup not regulary but yearly to differnt fund after declare distribution.

Even didnt do toup, you didnt loose-with current price 18/2/2013 NAV 0.3177 today. Are we refering the same fund name ?

this one i keep track each time the fund declare distribution. SO i can know how much it fluctuate and %.

This post has been edited by felixmask: Feb 19 2013, 04:55 PM


Attached thumbnail(s)

I didnt plant to exit :-
1) The time i buying a house - i need to made sure my investment not fluctuate too much with equities - (as my emergency fund if im out of jobs.)

2) becoz i afraid of Euro Debt and US Financial Crisis, i move most $$$ to Bond fund. now im 75% bond fund and 25% Equity fund.


Now regreat...fly high...juz wait for right time move back my bond fund to equities slowly.

Now i cant wait what GE13 damage will made to KLCI.

SeeFood wongmungkeong..cool down. there newbiezzz...

We try to help them in forum ...ppl made mistake and confuse...Forgive me if im worng..or too good hearted..

You go back to check. let us know. we want to analzye..what the problem.

my 2sen..tomorow i tink wongmunkeong already cool down able to explain to you.



Forgive ppl sometime are super - sometime when i dealing my job also...


to wongmunkeong

Peace in Japanese is which is read heiwa.

Ashita yukai.

QE3 for cheap money and Interest rate/BLR not so high.

Cheap money and low interest made the company prefer to borrow from bank rather issue a new bond.

No demand...then no market.

My 2sen if im wrong..sifu pls correct me

Good advice, i also hv PCSF.

Topup every month 2007-2009. Oncer breakeven switch to other fund.
Now left left rm1k++, waiting for miracle.

Good then you win win. Gong Xi Fatt Choi

I share mine: Other sifu may hv different thought.
1) Market study - study infor/overwhelming ppl are investing maybe about telco/ reits / finance/ Dividend/ smallcap / Country- are working good
2) review pass history of the fund - fund performance well in history you may like to take the bet it will go up to the peak when it fall down during crisis.
3) fund distribution date - i will toup after the day the distribution given - becoz to realize gain the NAV require to wait to go up. Then consider of Tax from distribution and the time crisis you want to switch. I prefer to see Nav to go up, not other way wait to go back NAV i buy.
4) The fund NAV below 0.25- my preference topup, dont need to worry which fund at peak.
5) New fund/Campaign -low service charge- then the unit i hv will be more.


For Equity/ Balance / Bond is up to each individual type risk and return.


Hope this can help with my sharing..... my sharing not the best for other - but fact how i choose buing fund.

If i said any wrong , pls correct me and forgive me.
I end up as PM agent servicing myself...to clawback the commision back to me.

well said and good strategic.
UT is long term, becoz we paying the fund manager to monitor and study to made a good choise.

Sometime Fund not perfect when come to greedy/chasing market.

any particular bond fund for short period ?

HI xuzen,



Are you meanz you do buy/sell every time to your unit trust fund?
Forgive me, juz maybe my interpretation wrong.

This post has been edited by felixmask: Mar 9 2013, 01:37 PM

Oic..after you sell, where you keep your money before any downturn? Juz curios

what is the NAV for the downtrend for you ?

Not every time PM fund hv downtrend when got then all the fund in the same scenario/momentum.

Or you downtrend after the distribution?

Hi s.kickin

UT dont give dividend but distribution, the reason you may see NAV drop after the distribution date..

For me persoanlly i prefer topup fund after distribution, i dont like to see fund NAV go down when then coming distibution.

Im not sure other Sifu pratice, this is my way.

Im not bet MY aplogize but im long term keeping 3years
I hv several fund(Diversify) at Public Mutual & OSKUOB which hv different Financial Date. (Distribution declare if got on that year)

Im doing DCA, i wont periodicaly topup on ONE particluar Fund for whole year, except it below inital NAV, like PCSF.
My topup mostly once for that fund per year, but my topup will put at different egg fund.


For me persoanlly if the fund declared distirbution i will put my topup on that fund during the time i hv money
While some fund are coming to declare distribuiton for the coming month then my next plan for toping will on that fund.

If i dont hv appetited for Fund(Bond or Equity) then my saving will accumulation for stock.


Another reason im type buy low risk, i not interest to chase flying high fund NAV and especially near to distribution date( after the distibution NAV will lower), becoz i know it will take me more then 6 month the fund move back the cost i topup and incase any crisis happen i wont see the NAV back to price i topup. Fund and Stock work differently where stock once are good can fly above and it wont back to the price of the IPO especially those old old stock like DuthLady,Nestle, Panamy, etc, while fund go HIGH when the GOOD TIME and LOW when BAD time back to intial NAV.


Currently i hv 5 fund at PM, 1-fund using EPF at PM & 1 fund at OSKUOB. Im not greedy to hv more then 12 fund, becoz i know when come the time i want to topup i will struggle which fund shld allocated. Im simple mind topup 1 fund at the 1 time, i not fancy to break my money$$ to put at severaly fund at the same time.

I believe PM will create new fund then the price at inital NAV, then i preference look for new opportunity when all the fund are HIGH in Good time. BAd time the stock value drop same to ppl panic cash out from the fund, then the NAV will drop to Initial NAV (example PRSF)

Forgive me , that how i do my investment strategic at PM


Hi j.passing.by,
How you do TA using Bollinger on Public Mutual ? I didnt know any software and TA can apply on FUND.

Can share...i would like know.


Happy dinner time..

This post has been edited by felixmask: Mar 9 2013, 09:30 PM

Do you consider service charge of everytime buying back.
The gain % would be less than putting FD or even loss



This post has been edited by felixmask: Mar 12 2013, 06:30 PM

i believe must add up ownself at each Account Details Fund. Not mistaken last time can see one....

you can topup using
1) public bank internet bank directly deduct you Public Bank saving account
2) public mutul online - able to deduct saving account from other bank etc CIMB and Maybank.