So I am a few of those that make money from Public Select Dividend fund.

Yes, it has been quite sometime, more than 10 years. I didn’t check on the performance except that the agent will call me from time to time to tell me how much I make.
But the last 5 years was not good.
A few years back, agent keep asking me to switch to China centric funds but I told her no. That saved me from losing a big portion of my funds.
Yeah I agree that PM is not the right investment now due to its high charges n there are so many options. And being financial literate n doing due diligence will minimize the losses.