I am my own agent now 😉

1. Transfer is moving your fund to another person.

2. Switching is selling a fund (all of it or part of it) and at the same time, buys another fund. We call it switching from one fund to another as we don't normally pay a further service charge on the new fund, but instead a switching fee.

alright i will just ask the new agent settle for me then
thanks both taikor 

for fundsupermart, yea i knew this place but im really too noob for this

Hi, may i know public small cap fund is still closed?

or in website where can i check if it is closed?
Thanks

PSMALLCAP was closed. no switch in is allowed.

You can't switch between Public Series and Public Bank series.

You may want to consider Public Sukuk Fund (PSKF).
PGCF has the option to invest up to 25% in other permitted markets beside China. and PGCF will be focusing more on technology sector.

Just a note on fund analysis and fund picking... the online service (Public Mutual Online) has been revamped beginning of this year.

The main homepage shows a pie chart breakdown on the type of funds, eg. money-market funds, equity funds, mixed asset funds, etc. And it has a section on resources... all the published articles and reports can be downloaded from here.

For Gold Members, there is an additional section on fund analysis... where its performance chart can select several funds for comparison.

The returns in the main page tracked back all the previous transactions on the same fund, and totaled up all the values bought/switched-in and sold/switched-out. The returns is the difference between this total value and the current value.

The total value previously bought and sold is inclusive of any fees and service charges and taxes incurred.

(The same fund but under different account numbers, due to using multiple UTCs, will also be combined together.)

===========

I usually ignore the main page showing the value of the funds and only use it to counter check the total current value of the entire portfolio against my own Excel spreadsheet. My calculations treated the values differently.

PMO:
Total Bought: RM10,000
Total Sold: RM5000
Current value: RM5500
Total Returns of the fund = 10,000 - 5000 + 5500 = 500

My own calculations showing the current returns:
Total Units Bought: RM10,000 @ 0.2500 per unit = 40,000 units
Total Units Sold: 20,000 units
Remaining Units = 40,000 - 20,000 = 20,000
Current value: 0.2650 per unit
Total Returns of the fund = (0.2650 - 0.2500) x 20,000 = 300

Actually, the workings in the spreadsheet is a bit more complex than the simplified example shown above. The main page in my excel file would show the current active funds, their current returns and their CAGR (Compounded Annual Growth Rate).

1) Yes, it is the total returns since the fund was started.

The difference is that when the fund is partially sold or switched out, in my excel calculations, I deduct not only the portion sold, but also any profit/loss associated with it.

Whereas PMO leaves the associated profit/loss in the fund.

I have to do that in my excel, otherwise I can't work out the annualised returns.

2) You can check back all the previous transactions... up to the past 3 years.

- Go to 'My Accounts'.
- Select the account you want to see, by clicking the account number on the left most column.
- It will show the Accounts page with several tabs... Account Details, Transactions, Distributions, Summary of Returns.
- Click the Transactions tab.
- Choose one of the transaction buttons on what to show... past month, 3 months, 1 year, etc.

Is the Service Charge too excessive?

I think, a layman's opinion out of thin air, a fairer service charge would be 1.5% for equity funds. 0.5% or lesser for bond funds. And nil charges for money-market funds.

(Whether EPF or not, same charges.)

After all, this service charges are marketing cost and commission to the UTCs. Doing the marketing and transactions online has removed the involvement of any UTCs.

As for the operational cost of running the fund, there are the annual management fee and trustee fee.

If the industry cannot lower the service charge on their own, maybe it is time for the higher authority (is it BNM?) to initiate a review.

Investments and distribution reinvestments for
partial-load units,
low-load units and
zero-load units are not entitled for MGQP.

Computation of Mutual Gold Qualifying Points (MGQP):
...........
...........
https://www.publicmutual.com.my/Priority-Se...ces/Mutual-Gold

Have just checked the MGQP tab, and surpirisingly, the points are higher than previously.

The increased in gold points tallys with the reinvested distribution (in RM amounts) since 01/08/2019.

(You can do an advance search to filter out the "DR" transactions.)

Public Mutual launches two income funds

KUALA LUMPUR: Public Mutual launched two new funds -- Public e-Income Fund (PeINCF) and Public e-Islamic Income Fund (PeISINCF) – on Wednesday which seek to provide annual income over the medium to long-term period.

https://www.thestar.com.my/business/busines...-funds#cxrecs_s

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.

Agree bro.buy in unit trust and leave it there for 10 years.unit trust never works that way.it need close monitoring too.set a % to take profit and % to cut loss.