opening up, i am a agent public mutual, but i do very much different from other agent they are doing.
first thing first in public mutual those fund manager are very conservative, to add on depend which fund are you buying.

ask back your agent should I go for 100% equity? they will tell you unit accumulation , this and that. ended up epf 3% service charge or 5.5 % service charge. like this sure die very fast for the investor and make the unit trust consultant happy only.

for me most of the time i am doing a range 70% in bond which up to date giving around 5.15% from jan to August, then 30% equity. with this I am very comfortable my client will able to cover their service charge very fast. which good amount of bullet when come to a roller coaster ride.
type of equity i love most now is mix assets, up to jan to august giving about 7% but for cash only. inside the mix assets has about 50+% in bond and the rest you guess. consistence return from last year about 11%
normal, is educated around the agency, non would want to use asset allocation
correct loh, whoch agent want to have double work, keep want to find money ma....
i am really sorry to hear that, if have chance contact me, i make sure you get better then fd at the end of the day. but i guess you had lost confident.
well i have a lot of big client who dont mind to loose about 1 to 2 % year from epf, they are waiting for opportunity while they  transfer from their epf to unit trust in bond , of of small percentage of equity. market we cannot predict, but we can take precaution

i know is a bit boring recently in here, 70% i place in PIINFBF at the moment is around 5+% up to date. i notice this fund since Jan and moving great in may. 30% can be either small cap or big cap. it will not really going to hurt the portfolio (EPF), but for cash i am going after PSMACF were doing 11% last year notice this fund around feb, this fund has 28% equity, 58% in bond and balance MM. earlier when i saw PEsMAGF this fund were doing 18% last year, this year were not doing well.
my fund generally help me to stay up positive after a few month due to the bond. ( my main thing is to keep bullet, when market in fear I will enter around 10-15% of your bond money)

to be true (i broke omy own rice bow) bond fund in RHB consistence giving about 7% annually return.

I had been with public mutual in 2013, but when looking at my earlier batch client loosing money already got slap on my face. looking for solution for them and new client. but now i got slap by my manager who i doing this.
but well i make sure my client make money first.

FA firm can only take in Licensed Financial Planner with Sec-Com's CMSRL license holder, not FIMM's UTC licence. Cannot simply-simply join punya.

Hard or not is individual, cannot comment on generalization.

It may be easy for some, it can be super hard for some.

Why do I say It may be easy for some, it can be super hard for some?

Consider this:

One need to have the academic qualification namely either CFP or RFP which generally take 18 to 24 mths to complete.

Then should one passes that exam, he / she must be working in the Unit Trust Industry for a minimum of 3 years as a UTC.

Then he apply to the Sec-Com to take the CMSRL provided he is a  good standing citizen, that is, no criminal case pending or bankruptcy case against him / her.

So far so good, can you follow? The above is the easy part. Now comes the hard part:

Consider this, many who joined first as UTC and has an active career would have built up a significant Asset under Advisory. With this he / she is receiving monthly recurring income. If he / she needs to convert to CMSRL, he / she  needs to resign from the current UTMC and start fresh with an FA firm. Currently, there is no mechanism to transfer the AUA to another company.

That is why I say it may be easy for some, it can be super hard for some. Suppose aUTC has a small AUA and not receiving substantial income, then he may consider to switch over to FA firm with no significant pain of loss of income. Suppose a UTC has a large AUA, then he suffers greater loss of income.

Xuzen

  You going on about the "impractical" angle because he makes it sounds easy, "... CFP or RFP which generally take 18 to 24 mths to complete" like any UTC can take the course and will pass.

If only you know that the UTC exams were fully booked months in advance... and in that room, the variety of people taking the exam is as wide as the variety of people you would meet in a city bus.

Hi PM sifus

hope you guys can shed some lights here... i've had the following funds invested using EPF thru an agent for the past 4-5 years... but they have been hovering between losses and slight gains of 0.46% only.

PITSEQ 21%
PISSF 16%
PIEF         16%
PISEF 16%
PIOGF 10%
PIDF         11%
PEBF         5%
PISTBF 5%
can anyone recommend which i should ditch and which i should keep or add instead ?
i've been thinking if i should just ditch everything and move the money back into my EPF since EPF can do better

If the UTC has been doing his job, this UTF participant would not have required to come to a forum and ask what fund to keep and what fund to sell.....

What diff is this compared to a DIY method?

Oh wait... there is the difference in sales charge.     

Xuzen

The constructive feedback is to ask that forum member to CALL and TEMBAK his agent instead of ranting here.

Same thing applies to people who refuses to call his bank customer service officer but ask questions here.

Public Ittikal Fund

Is this a good fund to invest in?

Planning for retirement, 30 years. Intial investment RM10k ,then monthly RM500(30 years)

Please advise if there are better funds out there.

I am a noob in unit trust. How about Kenanga Growth Fund? = 10 years 384% in return

Hi, anyone invested in PB SmallCap fund? I checked my statement and it seems like it i snot gaining.

While waiting for the right response....
I just want to say....some small caps funds from other fund houses are losing money too this year in m'sia

So, if I go thru public mutual agent(part time), can U invest in Kenanga Growth fund? Sorry I am a noob

Wow the gap is quite huge there indeed. What is your outlook on this in long term?

haha...but I have already invested in this since the start of this year. Do you advise to pull out at this moment?

I have investment with Psmallcap since Q2/2011 (1 off investment)
So far, the total returns was ard 95% -v- benchmark @ 46%
I wud assign 9 out of 10 in term of performance

I am looking to invest for 30 years(planning for retirement). Since Public Mutual, is the biggest and oldest, they offer stability no?

My plan is : for initial investment: RM10k and then commit RM500/month for 30 years. RM1.5million is the target. Possible?

I agreed but at tat moment of time (i.e. reset time to Q2/2011), I dunno wat will happen in 5 yrs time
Anyway, I'm happy as I blif in destiny 

Do you have any idea which public mutual fund that has the highest annual returns? My agent recommend me to invest in Public ittikal fund(he said annual return 8-12%). I want something with a higher return.

Kindly advise

Many people told me that PBB's unit trusts are the worst. Is it true?

Aggressive is not everyone appetite. Especially if you require a stable income.
PIDF Public Islamic dividend fund is steady, it did hit 18% (or more) historically. So what I did, I invest regularly, slow and steady.

Do you notice, within these 2 or 3 years, most Malaysian fund is also going south. As diversification as their main feature, each fund type will cover most of the big company. If the economic climate is not conducive, these companies will also decline in growth as well the fund house that invest in them.

If you are a seasoned PB investor, you will know that you can wait (patience) and you have lock some handsome profits.

There is indeed fund type that outperformed its benchmark, if you ask me it is good enough. Many also slips. I am focusing on long term gain, thus the fund that have below average or slips if NAV price is what I am grabbing right now.

Please also be informed our economy is not its dead bottom level yet. it is just 4 % down and 4 % up. So strategy is crucial.

Very diplomatic answer 

But yes agreed, many many better alternatives out there.

There are so many criteria when selecting unit trust. There are also many strategy to implement it. By having a lot of unit trust fund type within the same unit trust management company, you could apply more strategy (buying low, switching etc).

Better or worse is really up to you apetite and liking.

Let me put here as example. public mutual have been in business more than 30 years. To start investing directly to high risk / high return equity share market, you need at least 1000 ringgit.

Competitor have a little bit more linient say 500 ringgit to start invest.

Investor A=have 10thousand in his pocket
Investor B=have only 100 dollars spare cash per month

Thus if I am the investor A, minimum initial investment does not concern me much as much as investor B.

Anyone have contact any PM agent, im would like to know more about investment.

I'm looking for PM agent as well. My current agent not very 'helpful'....

In other words, you are saying PM Fund Managers are not as good as other Fund Managers?

Are you serious on the 'switch' offered by FSM? Makes me considering.....