I dont know the details on how u invest, but i am assuming you invest by lump sum 5 years ago. Even with that your return is around 3% per annum, if we take 7 years definitely it would be worse.

Btw, the last time epf give lower than 3% return is back in 1959. It never dip below 4% since 1960. Definitely much better if you left in EPF.

I believe it was the sales charge which is in part responsible of the poor return. Just fyi, starting from august 2018, there is epf i-invest which cut the sales charge to 0.5% for public mutual and 0% for many other fund house. ( Current promo is 0% for all until april 2021)



I started to invest last year, not in one lump sum and just ignore the unrealised profit since i am frequently switching between fund or to bond fund and realising the profit. Actual profit is actually much higher.

This post has been edited by backspace66: Jan 10 2021, 08:28 PM

i too wish to have at least 10% return every year, thus i will definitely take note of possible recommendations

Thank you for the calculation.
May I know how you did the calculation.

It's not like 1 day 7 years ago I deposited RN150k into PB. It was a gradual deposit according to how much EPF allows us. I remember when I started I was only depositing around 2 to 3k every 3 months.

As time goes as my salary increases I deposit around 8k every 3 months (epf only allows certain amount of % to be moved to Unit trust every 3 months)

Easy to calculate using excel, since you are the only one who knows the details of your deposit, amount and interval.

If you really want to know how much is the total sum if it is left inside EPF, you need to work out the dividends it would gain each year step by step in a spreadsheet. Below are EPF dividends since 2013.

If you want a quick comparison against EPF dividends, you need to figure out the portfolio's annualised returns; and compare it against EPF annualised returns.

======


1. When the purchases are done at various dates, there is no maths/financial formula to work out the annualised returns. The easy way is to put the details into a spreadsheet and let the spreadsheet work it out.

In Excel, there is a handy function, XIRR. You enter the dates of purchases and their amounts in negative. The last line is the current date and the current total amount.

Example:
20/5/2014 -RM20,000.00
3/10/2015 -RM25,000.00
15/6/2016 -RM22,000.00
10/1/2021 RM88,000.00

The XIRR function will give you the annualised returns; which is equal to 5.01%.

2. EPF dividends:
2013 6.35%
2014 6.75%
2015 6.40%
2016 5.70%
2017 6.90%
2018 6.15%
2019 5.45%

3. EPF annualised returns, as at 2019:
3-years, 6.17%
5-years, 6.12%
10-years, 6.16%

above master oledi teach u.....mine is just a simple calculation
master one is the more accurate but need time....

if wanna cut in short, ur investment not so good.....
u just let ur agent decide for u which fund to go?
at least u should study which fund to go ?
if ur fund can't beat 6% per year, u better put in EPF......

what fund u invest?
try regional or global fund , i think more safe.....

This post has been edited by ironman16: Jan 10 2021, 09:30 PM

It is tough to get a consistent return every year. Equity funds are just a pool of stocks, and the yearly returns are dependent on the stock market. So whether the fund is rated moderate or high risk, its return is still based on the stock market, and when you make the purchases.

If the timing is right, as like in March/April last year, your purchase into any equity fund would easily give a high return of at least 20% by end of last December.

To get what you're looking for, look into the fund's 5-yr returns. You then narrow down the list of funds to select based solely on its returns, disregarding its risk rating.

If in total returns, 10% compounded 5 years is 61%. So narrow down the list to funds having at least 61% total returns in the past 5 years.

You can also widen your search to other fund companies having this criteria of at least 61% total returns, by using MorningStar Malaysia website.

But be careful when reading the fund's annualised returns in the past 5 years or 10 years It does not mean the fund is getting a cosistent return every year. And it does not mean that the stock market will behave the same in the next 5 years as it did in the past 5 years.

To beat EPF, you don't want it to be "more safe".

When money is taken out from EPF to purchase funds, you want it to be different from what EPF is doing... you put it into equity funds and into equity funds that are not inside Malaysia.

EPF is the taikor in Malaysia stock market. Tough to beat EPF in the field it controls.

😁😁😁
Thats why i ask him choosing regional or global fund.
Single country or sector fund can oso unless u know some info about timing the market 😁😁😁

Singapore, consumer theme funds and far-east large caps... ie top 30 or alpha 30 companies.

my choice is
PUBLIC e-ARTIFICIAL INTELLIGENCE TECHNOLOGY FUND
PUBLIC GLOBAL SELECT FUND
PUBLIC FAR-EAST ALPHA-30 FUND

others no clue....

Is it too late to join the bandwagon?

For most Asia Pacific Funds, the rally continues last week; a good start to the new year.

Last Friday's daily increments for some funds were not seen before...

PUBLIC FAR-EAST CONSUMER THEMES FUND 3.81%
PUBLIC ISLAMIC ASIA LEADERS EQUITY FUND 2.41%
PB ASIA CONSUMER SECTOR FUND 3.95%
PB ASIA PACIFIC ENTERPRISES FUND 3.16%
PUBLIC SINGAPORE EQUITY FUND 2.49%

STI is still below its 2020 Jan/Feb level, while other indices, Taiwan and S Korea have rally past its early 2020 levels. Hang Seng is about back to 2020 Feb level.

My 2 cents: Some Asia Pacific funds, as like above funds, could possibly gain at 15% to 30% by year end.

Just to give an indication on how strong was the rally last week (and after the sharp pullback last March); while bond funds were in the negative last week, but my port having less than 30% in equities had gained slightly above 1% last week.

PUBLIC FAR-EAST CONSUMER THEMES FUND
8/1/2020-8/1/2021 (1-yr): 39.67%
31/12/2020-8/1/2021 (ytd): 8.11%

not bad......my selected fund all kalah u....
but i seldom switch bcoz dun wanna pay the switching fee

MCO tmr do u guys think should sell the funds a buy back with low NAV?

Anyone switched out of domestic funds yet ?

Switching is not same as "buy and sell". If you sell and buy back, you will be paying service charges again.

I got unlimited free switching...

I'm holding all the above 5 funds plus a few more. 2 of them, switched in last Friday.

All the equity funds just several % of the port; wtih bigger % in Islamic Asia Leaders and Vietnam-Global.

Had switched out of Islamic Global and Global Select; but still holding Lifestyle & Tech and PB Global Tech.

Most of the funds are similar to each other, Asia Pacific region and large caps, so when I'm in dilemma in choosing the funds, I chose them all.

Bukan Public got switching fee? Why u unlimited?

Gold member.

As a beginner, better to stay with one fund house and not do to much switching... stay and accumulate and grow the port. Wait till you got gold member status.

There is a good phrase which I recently came across...

To grow wealth, concentrate.
To preserve wealth, diversify.

Mutual Platinum member spotted.

Enjoy unlimited switching charge waiver of loaded units and 1%-load units* which are made after 90 days (from the date of purchase).

Ini baru taiko 👍👍👍
I just maintain at public, i go fsm n other's oledi