Indeed, if client do it through i-invest portal.

I'm referring to investment via manual @ form.

Thus, I'm offering my service.

Since different clients have their own preferences.

mind sharing where is your service coverage area?
this would be appreciated for potential client lurking here, as if you are in Perlis, while potential clients reading your posts maybe from Sabah or Johor, thus making forms signing not convenient and other considerations.

i though buy from PMO got special discount a bit
i oledi buy 2 PRS from FSM. This year is no3.

Thanks for the info.

I'm covering East Sabah area since I'm registered under Sandakan Branch.

😊😊😊

Hi, need some insight. I'm going to invest some money in public mutual and these 2 fund caught my attention:

-Public e-Islamic Sustainable Millennial Fund
-PB GLOBAL TECHNOLOGY & HEALTHCARE FUND

Any opinion regarding the future of these fund?
If i understand correctly the composition of these two fund are roughly the same which comprise of mainly technology and healthcare with the millenial do add in in consumer/lifestyle industries as well.

The millenial fund have lower fees but the global tech& healthcare seems to specialized in industries that people will need so possible slighly better returns.

An agent recommended me PIDF though. Seems like to focus on malaysia market. I prefer global market as epf already cover most local cover market needs.

Any thoughts?

Mind to assist this forummers on his query?

Must public mutual? Others fund house can't?
Did u analyse these two fund performance? Beat the benchmark?
But honestly, normally PB fund better than Public fund, i oso don't know why 😂

I'm investing through a friend which is a public mutual agent.

I've checked using the benchmark vs actual performance data at public mutual website and morningstar website, yes both fund outperform the benchmark at roughly the same performance i would say.
Something like a 10%-13% annual return would be a pretty conversative estimate.

You have in mind other fund that you feel is outperforming by a large margin than this two fund?

If u oledi analyse, than its ok.
I forgot which fund bcoz last time i flip2 and fund factsheet had about 3 holding is indutrt in health tech / glove.
I oledi invest in StashAway, so oledi got US etf or health etf.
Seldom invest in PM oledi bcoz of sales charges too high compare to others. Only DDI in money market bcoz is 0% sales charge 🤣

you 2 were discussing about benchmark value of these 2 funds....i got interested and found this. hope it can manage to generate some food for though to you guys....

sourced from
https://www.publicmutual.com.my/Our-Product...rformance-Chart

This post has been edited by MUM: Jun 27 2020, 12:50 PM


Attached thumbnail(s)

Based on your visual analysis:
- pbgthf are generating better return than peismf under the same period of time.
17.86%(pbgthf) vs 13.96%(peismf).

- However the peismf do manage to beat the benchmark at a higher margin of around 6.5% while pbgthf only at the margin of 4.48%.

-pbgthf do incurred a higher sales charge of 5.5% vs peismf at 3.75%

So overall i would say of by raw return wise the data shows that pbgthf would be the sligtly better choice while peismf do seems to have higher growth opportunity by looking at the actual vs benchmark margin and not to mention cheaper NAV price.

Tough call.

Are they beating the same benchmark value? For the same period under analysis?
Just noted..... their individual benchmark value can be changed in relation to the period
Thus making fund selection based on comparison of beating benchmark valid a fruitful endeavor?

This post has been edited by yklooi: Jun 27 2020, 01:48 PM

It's under the same period but im not sure about the benchmark value. My guess is the benchmark value are against each of the fund composition/industries.

If so, do you think it is valid to make judgment based on the benchmark value when each of them may have different composition n % of allocation variance?

I do see your point.
However my angle is more towards if the fund manager was able to beat the benchmark in its own industries by a higher margin. Would that means maybe potentially there are more undervalued stock in that particular market that can help generate growth for the investor?

That kind of things

The benchmark may just be a value. That may not be universally adopted by others... It is just a value.. That looks to be fluid n not fixed...
Any way, if you liked to use that, just go ahead as you think that it is valid n fruitful to use.

This post has been edited by yklooi: Jun 27 2020, 02:19 PM

Thanks for ur chart.
I use benchmark bcoz i wont choose the fund that can't beat benchmark unless got special case. 😁😁😁

A liquid n flexible benchmark also OK? 🧡

Can the agent show via graph how much it gained for 1-3yrs..coz i want to see how much it performed.. I- akaun i can see the % but it changed weekly i think

Try use the link from mum's post above...
There you can select the period too