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 

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.

lols, im 28 yrs old now, entering 30 soon dont dare to say im young anymore 😂 but yea, money is mine and investment is mine also, my mum is like my financial manager lo.

Ok, so meaning that if I dont plan to use the money in short term, i can just put most of it in equity fund? I checked pmo shows still need around 64k to reach mutual gold, if not gold then not recommended to switch? or wait 90 days only switch?

if not monthly contribute, more like every 6 months or annually contribute, will it affect the earning alot?

currently holding PB Asean Dividend(approx 25k) and Public Islamic Bond(approx 21k) only, 40k cash on hand still deciding on which fund to invest ><

I just had a quick look at Global Select performance and portfolio which seems really good to me. Overall i don't mind the votality but would prefer to gain return at around 20% in medium term (3 years would be best but 5years is acceptable also) instead of long term.

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.

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.

I just had a quick look at Global Select performance and portfolio which seems really good to me. Overall i don't mind the votality but would prefer to gain return at around 20% in medium term (3 years would be best but 5years is acceptable also) instead of long term.

20% total or 20% per year? 20% total in 3 years is doable. 20% per annum, not so much.

if you want more than 10% per annum you're better off with something incredibly risky like bitcoin or p2p financing

20% p.a. is a tall order for mutual funds (and ETFs) because it's a basket of stocks, diversified stock buys like that usually have flatter growth. Anything 8% or higher annually is already considered "extremely good" for this kind of investment, which is why we experienced investors say that if you see things promising 10% per year it's usually a scam.

I just had a quick look at Global Select performance and portfolio which seems really good to me. Overall i don't mind the votality but would prefer to gain return at around 20% in medium term (3 years would be best but 5years is acceptable also) instead of long term.

  "20% in 3 years or 20% in 5 years also acceptable" .... with just this "low" expectation of cagr for your investment with this fund .....
should be able to achieve that with relative ease....if nothing really bad happens in the equities markets

https://www.omnicalculator.com/finance/cagr

new to this PM and from the latest chats, seems that for long term i can consider the Global Select right?

new to this PM and from the latest chats, seems that for long term i can consider the Global Select right?

thanks for the quick reply.

about the sales charge, is it only 1 time during buying? or it's both for buying and selling?

thanks for the quick reply.

about the sales charge, is it only 1 time during buying? or it's both for buying and selling?

should be applicable to buying only....
unless there are some funds also having redemption fees too...need to check the fund factsheet, prospectus or highlight sheet for details...
most probably PM funds don't hv redemption fees

ok i have login to the PMO website, see the following for the Global Select fund:



about the annualised return, does it means that if i park the same money into FD, the interest will be 7.18%?

just to understand this as a comparison

thanks in advance

when you invest in equity unit trust funds (like example Global Select fund)......there is no "confirmed" interest, profits, dividend or losses during your investment venture in that fund....
it is an investment,...investment will be subjected to many many risks, could be it short term, long terms, severely or mildly too

what you see, ARE past performances....as Past performance is not indicative of future performance. The value of the unit trusts and the income from them may fall as well as rise.