8% return is totally doable.. Some even get it higher.

With two condition ;

1. The agent must be PROACTIVE.
2. The RIGHT fund are selected.

If the agent are passive one, then it's better to just leave it in EP£ account.

Mind you, EP£ are outperforming their promise in term of dividend/return, which is they must give at least 2.5% return annually.

(Spoiler : EP£ are government Bond Fund. Bond fund can promise minimum return.)

Promising return of xx% to the client is wrong. For example, somebody said "I guarantee you 10% return p.a".

But if he/she said, "I will do my best to get up to 10% return", then technically it doesn't break the rules.

May I know what is the advantage of investing in an Income Fund over Dividend Fund when both funds give out dividends every year?

Or rather pro and con of Income Fund.

Dividend fund;

1. Dividend are either ACCIDENTAL or annual/bi-annual/quarterly/monthly.
2. Dividend fund risk are vary, from low risk to very high risk.
3. Not all dividend fund are income fund, but all income fund are dividend fund.


Income fund;
1. Simplest explanation for income fund is, it is similar as FD.
2. Risk are much lower (which make the return also bit lower).
3. Dividend are given annually/bi-annual/quarterly/monthly.

Anyone who like to invest using epf fund please take a look at epf i-invest portal, it is easy enough to research yourself to find the performance of each fund. You can research by cumulative performance or annually up to 10 years ago and even by calendar year. Remember also there is sales charge if you use agent to invest. Promotion for all investment through epf i-invest now is 0% however be mindful of switching cost especially for public mutual fund.

To access the annual report, you now need an Access Code? What Access Code?

https://www.publicmutual.com.my/Menu/About-...ds/Funds-Report

In an era where freedom of information is welcomed, Pub-Mut seems to regress back to dinosaur age, that is to say, keeping its info under tight wrap and only for its exclusive clientele. Its like buying Blackmore's Vit C from Watson versus buying GNC Vit C at its exclusive GNC shop. Both are still Vit C but there will be some consumers who will have that perception that GNC Vit C will be better.

Xuzen

jfyi ...
as per 24 June 2020 publishing...
(Reuters) - GNC Holdings Inc (GNC.N), the vitamin and herbal supplement retailer, has filed for bankruptcy, with plans to close at least 800 to 1,200 locations and possibly sell itself.

https://www.reuters.com/article/us-gnc-bank...n%2C%20Delaware.

Thanks for your clear and brief explanation.

Actually, we can pick up the information from Public Mutual website, especially from these 2 webpages:
https://www.publicmutual.com.my/Our-Products/UT-Fund-Prices
https://www.publicmutual.com.my/

In the fund price page, the funds can be filtered by their 4 categories:
1) Equity
2) Balanced / Mixed Asset
3) Bond / Fixed Income
4) Money-market

At the bottom of the Home page, there is the Fund Distribution section.
(The "dividends" in unit trusts are called income distributions.)

The distributions are in 4 different modes or 'features':
1) Annually
2) Semi-annually
3) Monthly
4) Incidental

Incidental means that the distribution is not fixed and at the discretion of the fund manager, and it depends on the performance of the fund.

In the Fund Distribution section, click one of the buttons in the "Distribution Feature", and then click the "SELECT"... the funds will be filtered accordingly for selection.

Not an elegant way to find which funds are having distributions that are annually, incidental and so forth... but it gets the job done and filtered the funds down to the desired category.

For example, in funds with semi-annual distributions, there are only 3 funds:
Public Dividend Select Fund
Public Islamic Dividend Fund
Public Islamic Savings Fund

And from the Fund Price page, we can see that all the above 3 funds are Equity Funds.

In summary:
1. Equity funds' and Balanced/Mixed Asset Funds' distributions can be either Incidental, Annually or Semi-Annually.
2. Bond / Fixed Income funds' distributions are mostly Annually. Never Incidental.
3. Money-market funds' distributions can be either Annually or Monthly.

In Public Mutual, Fixed Income Funds are the same as Bond Funds. The funds that are having similar risk to FD are money-market funds.

This post has been edited by j.passing.by: Jul 9 2020, 03:20 AM

The daily increment today, or more accurately, yesterday's daily increment was among the best daily increment this year. All are positives, except for the 2 properties fund... far-east property and pb asia real estate... and the Australian funds.

Bond funds were making comparatively big leaps... due to market demand resulting from the OPR rate cut by 25 basis points.

The daily increment of Public Islamic Infrastructure Bond Fund:
01/07 0.05%
02/07 0.15%
03/07 0.04%
06/07 0.03%
07/07 0.29%
08/07 0.52%

So, if you have recently switched out of money market funds into bond funds, give yourself a pat on the back!

Give yourself an extra pat if you have ditched the property funds. I think they will be in doldrums for some time and might get even worse. They won't bounce back as fast as other equity funds.

who here investing in the new fund the just offer?
Public e-income fund

https://www.publicmutual.com.my/Menu/Campai...c-e-Income-Fund

🙋‍♂️, already have money market fund, now try seek half mm fund half bond fund to invest without paying sales charge, I'm super kian siap (don't wan pay SC to PM) 😁

This post has been edited by ironman16: Jul 10 2020, 09:59 AM

My epf-mis investment which I allocated 60% to public mutual fund underperfomed compared to the other 40% of the fund invested in FSM through kenanga, principal and rhb. Although not really a one to one comparison because of different market.

0.5 sales charge prior to june and the loss of 0.5% through switching is also another reason, made multiple switch for the australia equity fund which finally eats up my profit.

This post has been edited by backspace66: Jul 10 2020, 10:31 AM

then do full redemption - willit be cheaper than switching?
then again use EPF to reinvest on the fund u wanted
does it work that way?

Not that easy, the fund allowed to invest only reset or refresh every 3 month, if you intend to switch around 10 days before the refresh, that would be a good idea as the fund will be available again in next cycle. In other words , redeeming doesnt reset back the limit that is allowed for investment, it is time based instead. After redemption, that fund can no longer be invested until the next cycle.

This post has been edited by backspace66: Jul 11 2020, 08:21 AM

i am very sure if u decide to swtich it will swtich for 3 months or more
anyway i am still very new so dare not comment much

Wow, where do you hear that switching takes 3 months? For public mutual fund if u switch before 3 p.m, then it will be switched the same day, but it will be pending at least for T+2 or T+3 but the price is based on T+0. I have done it so many times by the way and yes some of them i even switch after 1 week. Already using the EPF-MIS portal since march and currently on the 2nd cycle.

As for funds in FSM, i have switched for kenanga and principal fund and the switching charge is 0% not like public mutual which deduct 0.5%

This post has been edited by backspace66: Jul 11 2020, 01:31 PM

i tend to agree with you, they try to make it difficult for ppl to read their fund fact sheet for example, normally for other fund house this info is made available together with where we can read the prospectus

deleted...inappropriate info

This post has been edited by MUM: Jul 12 2020, 07:00 AM

i want to share my unit trust experience, not public bank but with CIMB which i think everyone should know and be aware
i start put into unit trust at 2015 and i waiting exactly 5 years or more to provide this review

my conclusion is unit trust is only fund manager make money (short version)

ok here comes the long version
so 5 years ago May 2015 i go meet up with an agent and open account, sign some form, do some thumb print and only invested RM10,000 from my EPF.

I buy into Fund Principal Titans Growth & Income Fund (one of the hot hot fund that time)


Now after 5 years my hard earn RM10,000 only got a total of 13.50% profit

Then i ask myself why only 13.50% of profit since every year annual report show earn money most of the time except for 1 of the year where it is -10%
Below chart show from May when i buy in till now in July



If 5 years ago i did not make such decision to put money into unit trust, you know how much the RM10,000 will become?
The answer is RM13457.39 which is a 34% profit instead of now 13.5% profit



So i further investigate and dig deeper with FSM tool and the tool say i should earn around 16.5% so where the 3% go to?


Here is the answer, last time 5 years ago invest with EPF they will charge sales fee of around 3% so 16.5% - 3% become 13.5%
Again all this is just estimate

My conclusion is we take our money to let fund manager earn more money than we do
only invest in UT if u have a good and reliable agent who can help u to manage