YES, CORRECT.

This is fund performance start from 01/01/2012, as at 31/07/2012.

http://www.publicmutual.com.my/application...formancenw.aspx


PUBLIC AGGRESSIVE GROWTH FUND (Open For EPF and Cash)
PAGF / 3.51%

PUBLIC ASIA ITTIKAL FUND
PAIF / 6.81%

PUBLIC AUSTRALIA EQUITY FUND
PAUEF /6.81%

PUBLIC BALANCED FUND(Open For EPF and Cash)
PBF / 2.11%

PUBLIC BOND FUND
PBOND /2.99%

PUBLIC CHINA ITTIKAL FUND
PCIF / -8.36%

PUBLIC CHINA SELECT FUND
PCSF / -17.09%

PUBLIC CHINA TITANS FUND
PCTF / -0.92%

PUBLIC DIVIDEND SELECT FUND (Open For EPF and Cash)
PDSF / 9.58%

PUBLIC ENHANCED BOND FUND
PEBF / 4.1%

PUBLIC ENTERPRISES BOND FUND
PENTBF / 1.26%

PUBLIC EQUITY FUND (Open For EPF and Cash)
PEF / 3.20%

PUBLIC FAR-EAST ALPHA-30 FUND
PFA30F / -0.20

PUBLIC FAR-EAST BALANCED FUND
PFEBF / 2.62%

PUBLIC FAR-EAST CONSUMER THEMES FUND
PFECTF / 3.33%

PUBLIC FAR-EAST DIVIDEND FUND
PFEDF / -1.57%

PUBLIC FAR-EAST PROPERTY & RESORTS FUND
PFEPRF / 14.25%

PUBLIC FAR-EAST SELECT FUND
PFES / -6.96%

PUBLIC FAR-EAST TELCO & INFRASTRUCTURE FUND
PFETIF / -4.36%

PUBLIC FOCUS SELECT FUND (Open For EPF and Cash)
PFSF / 12.97%

PUBLIC GLOBAL SELECT FUND
PGSF / 4.91%

PUBLIC GROWTH FUND (Open For EPF and Cash)
PGF / 2.60%

PUBLIC INDEX FUND (Open For EPF and Cash)
PIX / 6.71%

PUBLIC INDONESIA SELECT FUND
PINDOSF / 1071%

PUBLIC INDUSTRY FUND (Open For EPF and Cash)
PIF / 6.70%

PUBLIC INSTITUTIONAL BOND FUND
PINBOND / 1.86%

PUBLIC ISLAMIC ALPHA-40 GROWTH FUND
PIA40GF / 7.62%

PUBLIC ISLAMIC ASIA DIVIDEND FUND
PIADF / 6.95%

PUBLIC ISLAMIC ASIA LEADERS EQUITY FUND
PIALEF / 3.36%

PUBLIC ISLAMIC ASIA TACTICAL ALLOCATION FUND **
PIATAF / 7.37%

PUBLIC ISLAMIC BOND FUND
PIBOND / 3.02%

PUBLIC ISLAMIC DIVIDEND FUND (Open For EPF and Cash)
PIDF / 10.81%

PUBLIC ISLAMIC ENHANCED BOND FUND
PIEBF / 3.14%

PUBLIC ISLAMIC EQUITY FUND (Open For EPF and Cash)
PIEF / 10.55%

PUBLIC ISLAMIC INCOME FUND (Open For EPF and Cash)
PI INCOME / 2.78%

PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND
PIINFBF /2.76%

PUBLIC ISLAMIC MIXED ASSET FUND
PIMXAF / 5.41%

PUBLIC ISLAMIC MONEY MARKET FUND (Open For EPF and Cash)
PIMMF / 1.69%

PUBLIC ISLAMIC OPPORTUNITIES FUND
PIOF /15.14%

PUBLIC ISLAMIC OPTIMAL GROWTH FUND (Open For EPF and Cash)
PIOGF / 9.15%

PUBLIC ISLAMIC SAVINGS FUND
PISVF / 6.76%

PUBLIC ISLAMIC SECTOR SELECT FUND
PISSF / 7.51%

PUBLIC ISLAMIC SELECT BOND FUND
PISBF / 2.62%

PUBLIC ISLAMIC SELECT ENTERPRISES FUND (Open For EPF and Cash)
PISEF / 10.72%

PUBLIC ISLAMIC SELECT TREASURES FUND (Open For EPF and Cash)
PISTF / 9.47%

PUBLIC ISLAMIC STRATEGIC BOND FUND
PISTBF / 2.48%

PUBLIC ISLAMIC TREASURES GROWTH FUND
PITGF / 14.22%

PUBLIC ITTIKAL FUND (Open For EPF and Cash)
PITTIKAL / 8.09%

PUBLIC ITTIKAL SEQUEL FUND
PITSEQ / 10.75%

PUBLIC MONEY MARKET FUND
PMMF / 1.69%

PUBLIC NATURAL RESOURCES EQUITY FUND
PNREF / -3.99%

PUBLIC OPTIMAL GROWTH FUND
POGF / 7.26%

PUBLIC REGIONAL SECTOR FUND
PRSEC / -5.89%

PUBLIC REGULAR SAVINGS FUND (Open For EPF and Cash)
PRSF / 7.95%

PUBLIC SAVINGS FUND (Open For EPF and Cash)
PSF / 6.50%

PUBLIC SECTOR SELECT FUND (Open For EPF and Cash)
PSSF / 4.65%

PUBLIC SELECT ALPHA-30 FUND
PSA30F / 6.48%

PUBLIC SELECT BOND FUND (Open For EPF and Cash)
PSBF / 2.05%

PUBLIC SINGAPORE EQUITY FUND
PSGEF / 14.56%

PUBLIC SMALLCAP FUND
PSMALLCAP / 10.24%

PUBLIC SOUTH-EAST ASIA SELECT FUND
PSEASF / 11.35%

PUBLIC STRATEGIC BOND FUND
PSTBF / 2.39%

PUBLIC STRATEGIC SMALLCAP FUND
PSSCF / 3.12%

PUBLIC SUKUK FUND
PSKF / 2.40%

PUBLIC TACTICAL ALLOCATION FUND
PTAF / 1.77%

1.PM not allows to collect cash, so u hv to go to PB for weekly top up. fill up addiionalinvestment slip with ur acc and name.

u cannot submit cash via PM branchs, hv to go PB.

got it?

for the current market situation, its very hard to break even in the short term in any funds. assuming u already planed to exit from UT after the break even....

my suggestion,
switch all the funds to bond funds now...... stop DDI..... wait for GE....... market may/will drop (but dont know how may/low will be).... switch back to local equity funds, those focus to local marlet 100% after the GE.

u may get break even faster. (but dont know how the faster).

take note... china market is abt to recover from bottom. and also expected local funds will be uptrend until GE, (assuming no external factor wil affect local market)

sharing only.

need to wait another cycle like 2008-loh....

for local, next cycle coult be comng GE. the most late next yr before april.

take note indonesia select fund doing well too.

If ur intention is to continue with UT, my suggestion will be diff.

It’s not a good idea to top up anymore if u plan to exit? If u want to continue, u can do DDI.

Starting DDI, never shorten the time. may be lump sum top up will do if the price recovered to original price in short time.


Let say if u invested rm50k, If u bougth the unit at rm1. If the price 0.50 now. U need to invest another rm25k. assuming the fund is recovering, the price is need to back to rm1 to recover old lost. How abt ur additional rm25K? so, the price shud at least to go up to rm1.25 for the break even for RM75k. (ur total investment) this is by applying lump sump only.

Rm50k
Unit price =rm1
Total units = 50k

Rm25k
Unit price = rm0.50
Total units = 50k

Cost per unit = rm75k/100k
= rm1.25



Do you think by DDI, u can achieve it in short time to recover the lost?. I don’t think so for current market condition.

DDI is for buy less unit for higher price and more units for cheaper price. Every units u buy need to work for u to give profits. Its will take some time. The longer u hold/DDI, the higher the rewards. Of course, the fund shud perform well the time u exit with profits. Ur cost per units shud be cheaper than market price.

My suggestion is to avoid any more top up and recover from wat u hv now. Switch all to bond funds now. My suggestion to public sukuk fund. Switch back to local equity funds when the time is favorable for u.

U can ask other forumers abt forign funds, I’m a local funds lover.

Maybe ur agent can guides you better.

Wat is the investment in ur mind now?
Why u want to exit? Is it u lost ur money?

This is investment which comes with profits and lost. U shud study the fund(or any investment) first.

sharing only. no right no wrong.

alamak my mistake malu-nya saya.



rm75k/100k = rm0.75

the price shud back to rm0.75 for the breakeven.

Let say if u invested rm50k, If u bougth the unit at rm1. If the price 0.50 now. U need to invest another rm25k. assuming the fund is recovering, the market price is need to reach back to rm0.75 to recover old lost.

RM50k
Unit price =rm1
Total units = 50k
cost per unit = rm1

RM25k
Unit price = rm0.50
Total units = 50k
cost per unit = rm0.50

average cost per unit = rm75k/100k
= rm0.75

go to EPF SCHEME in my signature. read and understand it.

waht is ur age and ur wife's?
yur risk tolerance? moderate? aggressif?

1. yes,
2. it up to u wait or not to wait. nobody knows the GE outcome will be.
3. yes, for regular investment every 3 months and review it annually.

if ur age 50 and above, dont withdraw it. if 40 -50, better go for moderate funds. less than 40, go for aggressive funds. read the prospectus and understand it.


suggestion only.

Public Sector Select Fund - aggressif
Public Regular Savings Fund - moderate.

yes, why not if both of u has high risk tolerance.

Public Mutual declares distribution for 8 funds.

http://www.publicmutual.com.my/LinkClick.a...dpA%3d&tabid=87

http://www.theedgemalaysia.com/index.php?o...17960&Itemid=79

no

split to 1k x 100.

top up 1k every months at the moments, pump more when market crashed..... while maintain 1k montly until 100k completed.

which fund losing money? time frame?
u wil get worst than FD saving if u dont follow the the investing rules. dont buy lump sum at wrong time.

before u buy the units, read the prospectus and understand it first.
waht is ur risk tolerance?
aggressif?
ur age?
how long u want to invest?
waht is ur expectation returns?
plan? retirment?education?

aggressif and looking for better yeild than FD only.

u r conservative not aggressif.

buy bond funds for safety..... equity funds not recommened for 4 yrs at current market condition FOR LUMP SUMP INVESTMENT.... my opinion only.

waht is ur agent said? how much the return will be?

this fund mainly buy small caps comes with high risk high reward.

it is better to hold ur money first until the GE, or as i suggest, start wiht rm1k and top up regularly.

lets say during GE, market crashed, u can top up the balance. not guarantee abt the returns. but 8% compunded p.a is good already eventhough not the best.

suggestion only.

actually i want capital gain+dividends of >12% p.a

i tak berani cakap >12% p.a eventhough im an agent. its depends on how the fund perform. 8% is realistick. if u get 12% is a BONUS for u.

kinda agree with u..but for 100k investment (public mutual gold) can switch for free aite? if market not good reaching GE date can switch to bond funds rite?

if u focus on MG, what is the diff within next 6 months? i thought ur main concern is better than FD return in next 4 yrs. why u need to switch to bond if u aggressif? you shud take oppornunity to top up another 100K.

she said that PIOF is very good and performing..since july till now capital gain already 7%..sounds like bullshit but the quarterly review from prospectus supports the claim

ofcource the fund is very good fund. and it still depends how the fund going to perform in the future. and ur time frame is short, 4 yrs. and current market is high. if current market is down, yes, no issue if u pump 100k. but dont ask me, how down is down, very subjective.

8% p.a u stated including cap gain + dividend or what bro?
yes, go to how to calcualte UT in my signature.


all the delay with GE is really a headache....fXXk ah jib gor..heheh

no worries, soon, u r only 25 yrs, spend some time to read/analyse/research market before make decision. its not only local factor will affect the market. external factor too. who knows market is down for a few days, its may continue. so, dont hurry to sign up lump sump yet.