tis month really bad for world markets but last few days kinda good rally because of china rate cut

Managed to make good profit on the rally?

losses reduce a bit

Thanks for the guide.

the chart i got is from your recommended site: http://www.publicmutual.com.my/application...formancenw.aspx




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I hope your EPF funds does not performance as badly as you had thought...
does the charts show an almost similar return as per the statement that where sent to you?

from the chart, my PDSF got only 1.5% returns since DEC 2012 till now.....if added in the 3% SC....
would be -1.5%....
I hope just hope that it could just get a return of 1.5% in Sept till Dec 2015, so that my data would be 0% instead of MINUS % (most unlikely can get 1.5% in next 3 mths thou)
then my opportunity cost (EPF dividend) would be 6.35% (2013) + 6.75% (2014) + 6.0% (Est 2015) = 19.1%
with a deficit of 19%,......(> 20% if compounded?)

btw,...not just PDSF had this performance...but the performance of my total portfolio of UTs fund (since 2013) is just abt 2.0% IRR


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The DIY Investor

First, selamat hari merdeka!

After reading recent posts in this forum, I somehow got a general feeling that some folks who were purchasing unit trusts does not really know what they were up to - just like me last time!

Buy some funds, and becomes an instant investor. The fund manager will take care of everything. The UTC or fund agent will give advice from time to time. Everything will be fine and perfect. Can relax and wait for the money to roll in. Right?

Well, not quite. What they failed to understand is that they have become DIY investors. DIY is Do-It-Yourself. As in any DIY projects, it is hands on.

The fund manager is not managing your money. You have only bought into a scheme that pools money together to buy a range of stocks. And you are just one of the many customers of the unit trust.

The CEOs of the underlying stocks are running the operation of the companies. And likewise, the fund manager is running the daily operation of the unit trust.

The UTC is not giving you any advice on how to manage your money. Their job is to market the unit trusts, introduce what UT is available in the market or in the fund company they represent, and help you to select the appropriate UT.

So who is monitoring the progress of the UT purchased? Not the fund manager and not the UTC.

So the ‘investor’ can relax and be hands-off? When the progress of his investment was not up to his expectations, nobody can be blamed apart from himself.

Another common misunderstanding is that UTCs are often mistaken to be financial advisers/planners. Financial advisers/planners in the unit trust industry are certified and licensed professional, like those people who called themselves accountants or lawyers.

No doubt UTCs are also certified (by FIMM) and licensed (by the fund company to sale the company’s UTs), they are not same as a CFP (registered with FPAM). (To know more about FPAM: http://fpam.org.my/fpam/ )

If you think you are not up to the challenge of being a DIY investor, 2 things you can do:
a) Quit, and withdraw from investing into UT.
b) Meet a CFP and have your money managed by him/her.

(Sorry, can’t write much about CFP, as I don’t have any personal hands-on experience with them. But AFAIK, there are also packaged portfolios that are actively managed offered by some fund companies – see this link for more info: https://www.kenangainvestors.com.my/KIB/KIB...IsAMPPlus2.aspx )

Or you can plod on and learn along the way, by trial and error, sometimes getting it right, and sometimes getting wrong – just like moi!

Cheers. Keep plodding on!

Got a question, if you dont mind answering. On average, did you earn more from ASX compared to Mutual FUnds?

mutual funds earn more than ASx but risk higher (price movement)

Do you buy public mutual via fundsupermart?

Of all your investments, which gives you the highest earnings?

Public Mutual declares RM185m distributions for 11 funds

KUALA LUMPUR: Public Bank's unit Public Mutual declared distributions totalling more than RM185mil for 11 funds ranging from 0.3 sen to six sen per unit.
The company, which managed RM64.7bil of funds as at end-June 2015, said the total gross distributions for the 11 funds were for the financial year ending Aug 31.

The gross distribution per unit for the Public SmallCap Fund was six sen per unit; Public Indonesia Select Fund (one sen); Public Strategic Growth Fund (0.3 sen) and Public Islamic Treasures Growth Fund (1.50 sen).

As for the Public Sukuk Fund, it was 3.75 sen per unit; PB Asia Emerging Growth Fund (two sen), PB China Australia Equity Fund (one sen) and PB Islamic Equity Fund (1.4 sen).

Public Mutual said for the PB Indonesia Balanced Fund it was (0.5 sen) while for the PB Bond Fund and PB Sukuk Fund (3.75 sen each).

URL: http://www.thestar.com.my/Business/Busines...ions/?style=biz

J.passing.by is partially correct. A CFP holder still cannot call himself a licensed financial planner yet. CFP is just the academic qualification and he still need to apply to Security Commission Malaysia to get the Capital Market Services Representative License (CMSRL) in Financial Planning before he can put the title " Licensed Financial Planner (LFP) on his business card. The License number goes something like this "CMSRL/AXXXX/2015" where the alphabet is the first alphabet of his name, followed by four digit registration number followed by year he is licensed.

To be licensed he must satisfy some criteria such as not be a bankrupt, no criminal conviction in past five years, have at least three years working experience as a UTC, Insurance agent or bank wealth advisors. He must also relinquish all his position as UTC, insurance agent or bank position as he must not be seen as an agent, but completely an independent person free from any agency.

Xuzen

Thanks!
Any reliable Licensed Financial Planner (LFP) you can recommend?

You have your point, but i was totally misled by the PB mutual person. She clearly said that i need to wait for a few years to see something, that's why it did not prompt me to manage the funds like stock market to buy low sell high on short to mid-term trade.

Sure i need to know more about mutual funds and how it works, not as straight forward as stocks.

I used EPF money to invest and surely the performance of EPF dividend is much better than PB funds.

List of Independant Financial Planning Firm in Malaysia

I won't recommend individual planner but I will give you a list of Firms for you to choose from.

Xuzen

p/s: The list is not exhaustive as only Security Commission Malaysia will have the full list.

This post has been edited by xuzen: Aug 31 2015, 10:17 AM

sure boh?...
read page# 9 post # 166,...what do you think about that?

This post has been edited by MUM: Aug 31 2015, 10:33 AM

maybe it was due to ....as mentioned in page#2 post#24?

This post has been edited by MUM: Aug 31 2015, 10:24 AM

this is the time that i wish i was wrong!

PBGF for example, the BAL NAV is RM13,947.54, Amount Paid is RM13,000.


What is my gain?

947/13,000 x 100 = 7.28%

7.28%/3 year = 2.42% per year

Is that Correct?


PBAD seems like is in the negative!


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TQ very much!

This post has been edited by neonikson1: Aug 31 2015, 10:42 AM