elamaaran

I'm right.

You'll get RM 8.80 and NOT RM 880.

I'm using an example from Opus IPF with latest distribution of 0.8 sen per unit





This post has been edited by GrumpyNooby: Apr 19 2020, 11:10 PM

Greetings anyone can recommend a fund to buy ... during this covid Crisis ?

Am buying stocks instead

Go for equity fund

If you buy in Public Lifestyle & Technology during it's lowest about 23 cent, you would have made some profit.

Any equity fund should be a good buy right now

Public Mutual declares RM64m in distributions for seven funds

A distribution of 8.5 sen per unit has been declared for PB Dynamic Allocation Fund, Public Mutual said in a statement today.

The unit trust firm has declared a one sen per unit distribution for Public Select Mixed Asset Conservative Fund, and 0.5 sen per unit for Public Far-East Balanced Fund.

Elsewhere, it has declared 0.25 sen per unit for four funds, namely Public Ehsan Mixed Asset Conservative Fund, Public Ehsan Mixed Asset Growth Fund, Public Islamic Dividend Fund and the Public Islamic Asia Dividend Fund.

https://www.theedgemarkets.com/article/publ...ons-seven-funds

1. After reading all the threads regarding investment in Unit Trust particularly with Public Mutual, can anyone here shed some light with empirical evidence that suggests investing in Unit Trust is far more profitable than leaving our money in EPF account?

2. As we understand it correctly, EPF will pay dividend every year which Gov guarantees of not less than 2.50% and as a matter of fact over the last 11 years, EPF never declared dividend lower than 4.50% (with the lowest registered in 2008 at 4.50%).

3. With this compounding interest (dividend) over long term in EPF account and bearing in mind that our principal at any point in time shall not be subjected to diminution in value plus we don't have to monitor our account for switching requirements and what not.

4. Assuming if we invested one-off amount (lump sum) in 2008, by right until 2019 the amount would already double in value ie. with 100% total return if we remained the same invested amount in EPF (calculation: 1.045 x 1.0565 X 1.058 X 1.06 X 1.0615 X 1.0635 X 1.0675 X 1.064 X 1.057 X 1.069 X 1.0615 X 1.0545 = 2.00 = 100% return).

5. Is there any fund under Public Mutual or any other UT companies can top that without making any switching every now and then???

6. My point is UT companies and UT consultants are all suckers to confuse investors with terms like dollar averaging, long term horizon, switching here and there while without fail they will be collecting fees every year regardless of the return be it negative or positive....

7. At the time when our investment registers positive returns, no consultants will advise us to realize our profits!!!! Unless we monitor ourselves on our portfolios!!! But what the heck if we were to do it when we can rest assured without doing anything in EPF account, our money will surely grow.....

8. OPEN UP our eyes (including mine) wide open and assess it objectively, figures don't lie!!!!!

- Frustrated Investor in PM Unit Trust -

1. That's a 12-year period. The total returns is 100.80% or in annualised figure, 5.98%.

2. Go to the Morningstar Malaysia website, select all funds, click on the longer term 10-year annualised, and rank it downwards. There would be about 30 funds beating the above figure.

3. The 10-year annualised EPF percentage from 2010 to 2019 is 6.16%. Even with a very bad year-to-date returns this year, there are not less than 30 funds having 10-year annualised returns higher than 6.16%.

4. Public Mutual has high service charge on its equity funds. This is one of the reasons that investors buying Public Mutual equity funds will encountered more difficulties in getting better returns for their invested money.

BNM maybe cutting the OPR rates again.

In the past week, I have make several switches from money-market funds back to bond funds. Paying the switching fee, RM25 each time.

If the amount swtiched is high enough, it is worth paying the fee.

Then might as well as you become a fund manager if you needed to constantly monitor the market and make switching every now and then. Besides, how can we make comparable analysis on our portfolios return if we switched from one fund to the other, what I mean we cannot single out all funds that have higher annualized return then compare with EPF annualized return. Comparable analysis is by calculating our portfolios annualized return versus EPF annualized return.

Noted you are a first time poster in this thread. FYI, the above 2 postings are unrelated. If you care to read back the past pages in this thread, I have also posted several comments on the type of funds that can beat the returns in EPF.

This thread is for self help in monitoring our portfolios as well as sharing other relevant information and opinions.

What's your point of slurring me that I am monitoring my porfolio constantly?

In your first post, you asked whether there are funds, with returns that are bought lump sum and without any switches, that can better EPF returns, and I shown you where to look.

Now you want to discuss regarding comparable analysis of our portfolios' returns. After slurring me of becoming a fund manager when I make switches in my portfolio?

My, my...

https://www.publicmutual.com.my/Non-Face-to-Face

now you can open public mutual account online and transac online

Is the sales charge cheaper? Or remain the same?

Not sure if it is cheaper than purchasing through agent, but it is still high, equity up to 5.5% Fixed income up to 1%

sales charge has gone down from 5.5% to 5% now

This post has been edited by zubayr: May 15 2020, 09:19 AM

Yup, kind of expensive. Fundsupermart 1.75%.
If the agent is doing his job, help to analyse market, rebalance, advise when to sell - buy, still OK to pay 5%. Most agent do not do it despite get high commission.

Hello, I want to know whether it is possible for me to discard my Unit Trust Consultant. If yes, what are the steps?

Discard meaning what?
You want to change your current UTC?

I want to remove my consultant. My consultant doesn't bother to update me. When i tried to call or even whatsapp, call was not answered, messages were not replied. I rather have no consultant or if I could manage to find a good consultant then i would take one.