I use morning star

hey iroman,i also started invest e AI..
plan to long term with it..wat makes u invest to it yah?
hope can get some advice from u~tq

at first wanna find something about AI, but FSM only got RHB Global Artificial Intelligence Fund - MYR Hedged, which i dun like RHB + wholesales fund (i ikan bilis)

that time PM launch this Public e-AI....so i just tap in...

i like that this fund invest in artificial intelligence (AI) technology stocks ......

this fund really suitable for DCA bcoz can swing up swing down in just a few day

but the downside is sales charge 3.75%.....

mostly my new fund in PM is AI + ESG fund......

i oso newbie + ikan bilis in UT

tech is future baby!
i agree..since it's risk 5..very volatile
ya man sales charge so expensive..
but i guess just topup when the right time is there and dont look at it..let it up and down haha
thanks for your advice yah

Many PB funds #koyak

Yes. Very tempted to sell off my P Lifestyle and technology while it is still positive.

I got PMMF and PIMMF before, both are still the same that is based on FD rates somehow. Don't use it to "grow your money", its main purpose is for you to flee to safety if there's a bear market like 2008 subprime crisis.

Ride on the Global Technological Revolution with Public e-Islamic Innovative Technology Fund (PeISITF)

CAMPAIGN PERIOD 25 May 2021 – 14 June 2021 (21 days)
The first 100 new investors( who has never invested with Public Mutual before) who enrol via New Investor Enrolment at Public Mutual website and invest at least RM3,000 per transaction into PeISITF through online investment during the campaign period will receive an additional 300 units of PeISITF.

https://www.publicmutual.com.my/LinkClick.a...8%3d&portalid=0

Benchmark for PeISITF : S&P Global 1200 Shariah Information Technology (Sector) 10% Capped Index (90%) + 1-Month IIMM rate (10%)

Offer Period : 25 May 2021 – 14 June 2021
• Invests in Shariah-compliant stocks of companies related to technological and scientific innovations that alter the way consumers, businesses and industries operate (AI/ Medical Innovations/ Cloud Computing/ Electric Vehicle (EV))
• Invests 75% to 98% of its net asset value (NAV) in Shariah-compliant equities globally

https://www.publicmutual.com.my/LinkClick.a...Y%3d&portalid=0

This post has been edited by ironman16: May 25 2021, 05:31 PM

Hi all,

I'm a newbie to public mutual and have just signed up via Public Mutual Online website recently. I understand that normally there will be an agent that assists you and hence there are additional charges when investing. However, I noticed that I do not have an agent assigned to me (which is fine), but I just want to know whether I will still be charged additional fees? If yes, then seems like not that worth it to sign up online after all?

Deleted

This post has been edited by ironman16: Nov 6 2021, 09:25 AM

Ah i see. Yes, i've saved up 6 months salary as my emergency fund before starting to invest.

And as to why PMO, mainly because I'm able to get some guidance from some friends, hence decided to start with this. But thanks for sharing the other platforms, will look into those as well

guidance from the frien? if ur frien is agent, just use the code....others wise dun wanna guide u oledi.....

u wanna guide mcm mana......step by step in PMO?.......like this all ppl in this forum oso can guide......

i last time register PMO myself and go explore myself.....unless u older than me lo.... .....my age oledi almost 44.....i can survive.....u cant survive ?
Last time i first time know UT, straight forward register PMO.....after that , realize got FSM, after that know PRS, follow by Stashaway, Allocate plus.........

i sekali hantam semua (belajar semua)......

the problem is ada niat atau tidak....

any where......is ur money, ur choice ......

all the best and welcome on boat....

Anyone investing in this? Just sold off my PB Dynamic Allocation Fund, currently holding some bonds and PB Asean Dividend only, quite tempted to invest in this, any opinion is much appreciated

why sell ? ......why dun just switching to the fund u like?..........

u buy from banker ? bcoz saw u hold PB series fund......

i now prefer e series fund....cheaper..... .....i seldom sell, mostly switching .....jimat sales charge ma......

u oso use PMO do investing ?



This post has been edited by ironman16: Jun 25 2021, 12:53 AM

It's money market funds, of course you'll only get FD rates because those funds essentially invest in FDs

Yup, buy from banker, my mum is the one who started the initial investment into pb mutual actually, she transferred funds from my joint name fd acc with her into pb mutual under her banker suggestion, i never ask her anything until recently she told me she already sold the pb dynamic. Just went to bank to register for pmo few days ago, when i logged in for the first time only realise she also bought some bonds and pb asean dynamic, and the banker recommend this PeISITF. I didn't know can switch T^T

u better register account for ur self.....dun mix with ur mum.......u wanna help ur mum manage is ok.............bcoz ur mum risk is not same with u.......

sure la banker ask u redeem n buy again ma.......u pay sales charge again ma............u switch, they eat what ......

not sure ur mom how old , but normally when we getting older, the equity fund with us will reduce gradually.......n take less risk fund .....
reason is we dun know when we gonna use the money inside the fund for "surviving"............
High risk fund take time to become profit...........
i'm just not recommend take too much equity fund with high risk......balance fund /bond fund/ MMF still ok.........if can, just control the equity fund below 30% ~ 40% of the portfolio (normally i use 100 - age , ie: my age is 40, so the equity fund is 100 - 40 = 60% of my portfolio) , assume my life is 100

if u r conservative investor, reduce the % ........

i will suggest u open new acc n start ur own investment........
u can try buy this fund bcoz is global (mostly in US), i wont buy it bcoz i got 2 fund (e AI and e carbon , which both is global).....
mostly my fund in FSM n Affin hwang (Allocate Plus apps)..............others oso got stashaway/ Akru..........now dive in Crpto but play small only (try control below 5% of my portfolio) ..........

any way, i'm not cert financial advisor.......just normal investor aje......

may b others sifu can help u oso..........

This post has been edited by ironman16: Jun 25 2021, 11:41 PM

The money is contributed by me, under joint name account coz its easier for my mum to manage for me (she is the one to go bank and deposit all my savings for me since I'm 12 years old ==) current funds in public mutual is transferred from joint fixed deposit account, now only know that sales charge can be avoided by switching really quite upset, somemore the total amount redeemed is about 35k 😑

Personally, I also invest in precious metal (physical gold) 2-3 years ago. Lucky for me I'm staying with family (own house) so no rental and car is bought with cash so no car installment and yet to buy 1st house so no housing loan yet and no credit card (mum will definitely kill me if i attempt to apply for one) house expenses ie electricity fees and food expenses shared with siblings so monthly commitments is quite low. I give my mum about 80%-90% of my money to prevent myself from spending it all 😅 then i would spend the balance i have to buy whatever i like 😂 or 5%-10% in buying gold if the price is right.

anyway, im still very new in public mutual coz previously never really got the time to ask my mum and she mainly follow the banker suggestion only, now i have more free time and able to accompany my mum to bank, and Pb asean dividend fund is actually losing money about 2k with 20k investment, bonds is about 25k although not great performance but at least not losing money 😑

Any suggestion on whether I should make changes to the current investments?

This post has been edited by evonnewoon: Jun 26 2021, 12:48 AM

u just 12 year old ?....... ........at that age, i'm still playing basketball n cycling only.....

actually u can list down the fund u hold currently in % (not need $$).....
here many sifu can help u flip2......every body got different points...........later u just make ur own judgement.

mostly we do is DCA, mean monthly contribute to enter the fund............bcoz we not pro in timing market........unless u pro....
if u pro, just buy at the lowest point, sure u win if u sell in high point several year later......

i prefer DCA + timing , with the help of PMO...........set some amount enter the fund monthly, if dip occur (like previously a few day/week)....i manually switch my fund enter again (mostly i do like this)..........

Public got rule switching within 90 days and after 90 days, u go do some homework.....if ur invest capital reach certain amount u only got certain times of free switching (i think is after 90 days) yearly >>> mutual gold/mutual gold elite/ mutual platinum
https://www.publicmutual.com.my/Menu/Priori...ces/Mutual-Gold

so u mean this investment actually is urs?.............not ur mom/parent ?.............if u still young , just aim for higher equity and less bond fund........unless u wanna use it in short term (like, marry/buy car/buy house/.........), money that u wanna use in short term , we normally place in MMF/bond fund that with low risk (low volatility).....


## i saw u still online, but i'm old man liao......sleep first

This post has been edited by ironman16: Jun 26 2021, 12:54 AM

Asean Div fund is primarily invest in Asian banks Iike DBS, UOB, OCBC etc. which stock fell because of pandemic.

They're considered blue chip dividend stocks, however, so at least steady funds in long run.

If you want capital gains, a nice fund is Global Select, which invests in large technology and fintech based in USA (Apple, Microsoft, Visa, Mastercard etc.) and some well known brands (Chevron, McDonald's, Nike, Boeing etc.). If you rather trust in China/Asia, Public Islamic Asia Dividend fund holds Asian tech n communications stock like Samsung, Alibaba, Tencent etc. which also have high potential for growth.

Since you're young, assuming you're aiming for retirement savings at around age 50+, it's better to invest in more equities, provided you can stomach the volatility.

This post has been edited by DragonReine: Jun 26 2021, 02:22 AM