Many are down due to arising fear for US-China trade war.
which region or fund we shall look into now?

Just asking of opinion. Despite of now keep dropping of fund value. Should i hold or release all before drop even deeper?

What to do? A lot depends on your investment time-frame.

If you have just started working and investing, continue to do regular investing and don't worry about the ups-and-downs so much.

If you are nearing retirement, you probably need to be more defensive in your portfolio.

Trump has F--- things up for the world economy. Tariffs are a lose-lose solution for everyone including Trump's voters. Things will be volatile while he is still in charge. I hope Americans are sensible enough to kick him out the next election.

And I agree.

Public mutual is not meant for short term investment, i yielded great profits in last year with investment in PRSEC and PFES about 8% to 8.5% ROI, but didn't sell out at that time , because i was just started to invest for 1 year.

Then this year because of the US-China Trade War now that both my funds are showing -ve in return meaning making a loss, but i will still continue invest because China's market won't be forever down and it will rise again is just the matter of time.

I would suggest to invest using EPF instead of cash, because of the sales charge % is different 3% EPF, and 5.5% for cash, therefore the breakeven point is lower if you invest using EPF. Unless you really have loads of cash till you don't know where else to invest.

My investment conditions:
1. Have sufficient cash flow in EPF or Cash.
2. Plan to invest long term 5 to 10 yrs or above.
3. Invest when price down, sell out when price high.
4. Try look into new fund which selling at lower NAV price per unit.
5. Overseas fund high risk but high return.
6. Local fund can invest but need to wait and be patient.

Anyone can time the market come pm me pls hehehehe I think with UT one must be very clear this isn't like stocks, it's an investment tool not a trading tool (buy today sell tomorrow) but of course from it'll be affected by the stock market because it doesn't exist in isolation..

Above is good observation..I agree. yes ideally u wanna buy when low and sell when high but how to know low is lowest and high is highest ? same lor like stock.. can only apply DCA and have a long term horizon because again this one investment..

This post has been edited by MUM: Aug 2 2018, 12:32 PM

--deleted--
double posted oops

This post has been edited by wongmunkeong: Aug 2 2018, 12:30 PM

er.. generally good criteria but.. items
4. U do what NAV is right? there is no real value of "Try look into new fund which selling at lower NAV price per unit."
U do know when distribution is paid out, NAV goes down near similar value too right? Does that mean good time to buy?

5. Overseas fund - not necessarily higher risk, NOR higher returns.. it depends (on a lot of variables)

6. Similar with 5. , not necessarily.. it depends (on a lot of variables)

Just clarifying / asking Qs to help clarify one's thoughts ya - calling it as it is, not purposely "out to get U" like a recent (misunderstood) interaction with another forumer.

i can time the market... one way only heheh
AFTER kaka hits the fan severely - load it up with equities across a wide berth

Also, DCA is ok but with a bit more work (or use Excel & automate the calculations), VCA is statistically better. Google "Value Cost Averaging VS Dollar Cost Averaging"

Just sharing ya, no absolute right/wrong in personal finance - it is PERSONAL after all

This post has been edited by wongmunkeong: Aug 2 2018, 12:31 PM

if i invest 90k in public mutual fund for 15 years , not taking out . if good market how much i can earn?

depending on the type of fund you selected....some give returns of about 3% per annum while some gives 10% per annum....

the returns of each fund varies from yearly....some varies a lot while some varies a little year on year.

you can use this tool to plot and see....
click since commencement till end date

(just that not all funds has 15 yrs track record)

https://www.publicmutual.com.my/Home/Fund-Performance

Just a note on fund analysis and fund picking... the online service (Public Mutual Online) has been revamped beginning of this year.

The main homepage shows a pie chart breakdown on the type of funds, eg. money-market funds, equity funds, mixed asset funds, etc. And it has a section on resources... all the published articles and reports can be downloaded from here.

For Gold Members, there is an additional section on fund analysis... where its performance chart can select several funds for comparison.

what fund is worth it to invest at this moment under public mutual?

I saw there is some cash deposit fund available now...is the income better if compare with normal saving and FD?

cash deposit fund, income fund and bond fund, is it the same?

how it works? thanks.

yes, the only good thing for PM is now that we can rebalance the funds ourselves rather than depending on the agents

if you check back the previous comments from others, the return from PM is just I kinda agreed after having leave most of the decision to buy and choice of funds to my agent. I have learned that you need to manage your own funds rather than depending on your agent.

If you use cash to invest, you get charge 5% fee up front, and if you used EPF, you get charge 3%. Even before you get the return, you already paid up 5% or 3% respectively.

If i have cash for investment, I would choose alternatives of investment, not PM

Public Mutual launches Public Lifestyle and Technology Fund

KUALA LUMPUR (Aug 8): Public Bank's wholly-owned subsidiary Public Mutual has today launched a new fund called Public Lifestyle and Technology Fund (PLTF).

URL: https://www.theedgemarkets.com/article/publ...technology-fund

CAMPAIGN PERIOD:8 August – 28 August 2018

Receive one lucky draw entry for every RM3,000 invested in Public Lifestyle & Technology Fund (PLTF) per account
during the campaign period and stand a chance to win a MacBook Pro and other fabulous prizes!

Grand Prize MacBook Pro 13" with Retina display x 2 Winners

1st Prize Latest Samsung Note Series x 3 Winners

2nd Prize Nintendo Switch x 5 Winners

(For more details, please refer to their website.)

May i know which fund you invested ?

hi.
you need to know that unit trust is not for short term investment.

different fund have their own risk category.

if you eager to the details, please PM me

Referring to the new PMO, can you please enlighten how do they calculate the Returns for each fund?

I noticed the Returns shown in PMO is different from the monthly statement....

The returns in the main page tracked back all the previous transactions on the same fund, and totaled up all the values bought/switched-in and sold/switched-out. The returns is the difference between this total value and the current value.

The total value previously bought and sold is inclusive of any fees and service charges and taxes incurred.

(The same fund but under different account numbers, due to using multiple UTCs, will also be combined together.)

===========

I usually ignore the main page showing the value of the funds and only use it to counter check the total current value of the entire portfolio against my own Excel spreadsheet. My calculations treated the values differently.

PMO:
Total Bought: RM10,000
Total Sold: RM5000
Current value: RM5500
Total Returns of the fund = 10,000 - 5000 + 5500 = 500

My own calculations showing the current returns:
Total Units Bought: RM10,000 @ 0.2500 per unit = 40,000 units
Total Units Sold: 20,000 units
Remaining Units = 40,000 - 20,000 = 20,000
Current value: 0.2650 per unit
Total Returns of the fund = (0.2650 - 0.2500) x 20,000 = 300

Actually, the workings in the spreadsheet is a bit more complex than the simplified example shown above. The main page in my excel file would show the current active funds, their current returns and their CAGR (Compounded Annual Growth Rate).


This post has been edited by j.passing.by: Aug 14 2018, 04:13 PM