only do switching if your fund not performing for 3 years (my agent told me).
dont switch hastily because equity when down, its really down.
if past performance looks good (can fetch 8% and more), buy more units & dont sell.

my agent also do same thing, every time sign & thumbprint, she will make 2 copies.
eventhough she has extra forms, she ask me first if want to proceed for another investment (cuz she needs to calculate how much can invest).
but yea, i think most agents do the same. if there's unauthorized withdrawal, u can always report it.

Deleted

This post has been edited by engyr: Jul 6 2019, 08:40 PM

Is pb aiman sukuk closed down for purchase? Cannot open account at pmo online.





Epf earn better than 90% of unit trust.
https://www.freemalaysiatoday.com/category/...rust-investing/
My suggestion : do not touch epf. Only invest in unit trust if got extra money.



This post has been edited by engyr: Jul 6 2019, 08:39 PM

any PBM Agent here? pls dm me i have few question to ask and is that worth joining as agent for this time period because my sister is going for the PBM test next week onward

previously I heard that a PM UTC must maintain RMxx,000 amount of sales pa....else tak boleh kerja.
not sure the actual amount and the latest update about this working clause.

usually they will get their family members to do periodic investment by cash/epf to try to maintain that yearly quota

For those using PMO, a few questions.
where to download fund perspectus for a particular fund?
How do you sort fund by performance and view it for 3, 5 and 10 years?

Thank you.

I think cannot get to download the prospectus for A particular fund.....looks like have to download ALL of them
i also think PMO cannot sort the performance as per your query, but
for many forummers, they sort the performance by 3,5,10 years etc.....
by using morning star.
in the local representative...select public mutual
https://my.morningstar.com/ap/fundselect/results.aspx

just not sure if those that are PM UTC can access that portal and do as your 2 queries...


This post has been edited by yklooi: Jul 28 2019, 06:42 PM

You can click invest /dda-->open new account - - >select fund-->yes-->click on the perspectus



You can view the fund performance by click at the resource.



This post has been edited by engyr: Jul 28 2019, 06:32 PM

Further to above posts, the master prospectus are in PDF format... there are 4 of them... Public and PB, syariah and non-syariah... easier to download them and keep for future reference.

There is an additional tab, Fund Analytics, only available to 'gold members'. If you have it, explore it...

The montlhly magazine (for 'gold members') has updates of the monthly performance of all funds. The 'As at date' is 2 months ago, so not really up-to-date but okay for info.

To shortlist any equity funds in a hurry, shortlist those with nav price of 0.3000 cents and above. PSEASF is currently just below 0.3000 and should be in the shortlist too.

Due to same launching price of 0.2500 and the same distribution policy across the funds, those funds with higher nav prices are the better performing funds.

My 2 cents…

Are the past years performance any helpful in comparing the funds?

The past years performance of the fund is the track record of the fund… and rightly it is a general guide to its future performance, as like a new employee is hired based on his previous experience and his employment history.

Using recruiting a new employee as an analogy, the candidates could be ranked by HR based on their level of knowledge, their aptitude and other criteria from their past employment history.

The candidates would be shortlisted by HR for interviews. You are the boss who does the hiring and firing. You do the interviews yourself.

So far, so good… hope you are still with me so far…

So you picked the best among the best, and hired the best candidate.

Then you discovered a problem… or rather smelling something fishy and not right.

The HR doing the ranking of the candidates was a new recruit fresh out of school, and had pool and rank all the candidates from various lines of work and profession!

LOL.

End of story.

Thank you... Another question: how does DDA/DCA actually help in growing the fund when each transaction is charged 5%? Say I start with 2k in fund A, and then consistently put in RM200 monthly, but each rm200 there is a 5% fee. I tend to feel like I am losing the game to the sc. Forgive this newcomer with very limited knowledge in mutual fund.
Secondly what will happen if I choose none from the name of agent when making a new investment online? Will it randomly put to another PM agent?

Finally... Wish me luck in Public U.S Equity.

for that, you can opt to reduce the 5.25%SC fees to 1.75% by choosing another platform or
0%SC (read post 496 then 484, page 25 by forummer Roarus for tip and way to this 0%SC) at

eUT / POEMs / Phillip Mutual Berhad UT discussion, Coz' Fundsupermart not cheapo enuf'!
https://forum.lowyat.net/topic/4268975/+480#entry93482961

This post has been edited by MUM: Aug 7 2019, 07:09 AM

how does DDA/DCA actually help in growing the fund when each transaction is charged 5%?
you still will have 95% of that RM 200 monthly added into the fund....(RM190 pm added into the fund)
This RM190 pm is a form of savings for the long-term.
It requires patience, discipline and not being effected by market movements and in the end of the duration of your investment objectives you will have a large pool of money (if all goes well according to plan).

In short, DDA/DCA helps to grow your investment steadily with no market timing involved.
It smoothen the NAV price volatility and reduce exposure to risk that is associated with making a single large purchase.

on the agent thing....no idea, but i think and my wild guess is they will randomly put a PM UTC

YES, you will need more than luck in this Public U.S Equity.....when compared its YTD performance with other US equities funds....
also many "experts" and data thinks the US is on the high side of being expensive in terms of PE valuation, thus hope you have other funds other than this US exposed fund.



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Thank you. Yes I do have other equity fund, even Manulife as mentioned in your pic. This Public U.S equity is just a small portion.
The DDA is actually for another fund, it's just that seeing my 5% bleed every months feels like a lot of money wasted in the long term. Also I just found out DDA cannot cancel online, must go to PM branch and fill form which to me is unacceptable. Come on, PMO should implement their service better and not half-baked like this.

Luckily I read your comment before signing up DDA.
Yes, you can enrol it online but you need to sign the form to cancel it.

End up I didn't enrol DDA.

This post has been edited by engyr: Aug 10 2019, 08:51 PM

Above is what I posted in the FindSuperMart thread in the last week of July.

Since mid of March, I have been slowly switching out of equites into sukuks and bonds. The best month this year was January, port increased by about 5% - since the port was above 90% in equities. April was also a good month, with another jump of nearly 4%.

May was bad... by then the equities portion was lowered, and it bounce back in June recovering the lost in May.

Last month, the port is pretty flat, since the sukuk/bond section has increased tremendously to nearly 90%. This week, the remaining equites will be switched.

YTD, the port is at 12%...

Sukuks & some of the bonds funds are doing well so far this year, the IRR of these switches is about 12%.

Hi everyone in this chat, im a Public Mutual agent here. Feel free to contact me if you need enquiries or anything related to Public Mutual. Will be happy to assist you. Inbox me ya ~

LOL, many agents here lahh adik.

Just for the record...

The daily increment for some bonds funds yesterday was extraodinary high. While mm funds are about 0.01% daily (which would be about 3.65% annualised), the bond funds were about 3 times higher in the past 12 months, around 0.03% to 0.04% daily.

Yesterday's daily increments were akin to equity funds...

PB AIMAN SUKUK FUND 0.53%
PB SUKUK FUND 0.26%
PB INFRASTRUCTURE BOND FUND 0.39%

PUBLIC ISLAMIC BOND FUND 0.38%
PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND 0.43%
PUBLIC SUKUK FUND 0.37%

(Note: PB Aiman Sukuk is closed to new investments.)