hope this YoY performance of Public Global Select fund can help you see better/understand better...



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ok tq will check it out

In short, the annualised return means the return is calculated to 1-year - "Annualised".

The important thing to note is "Performance as of 09 Jul 2021".

10-year returns = Annualised Returns is 11.73%.

This means if you had bought any units in the fund 10 years ago, that's the annual returns you got, 11.73% each year.

(The total accumulative returns is 203.67%)

The 1-year returns is 30.53%. This is the returns if you had bought the units a year ago (on 9/7/2020). Last year was a good year to buy regional and global funds... after the sharp dip in early March last year.

You should see the performance chart to get some idea how volatile it can be. Buy the units at the wrong time, it could even be negative returns.

TQ for the info, yes if based on the past average of 5 or 10 years it seems better than FD or even the EPF.

But yes also aware of the risk, if wrong timing 5 years average could be -ve

hi,
how many working days for withdraw the UT back to EPF ?

while waiting for responses,...
according to this post, (many years ago),
"Money's back in EPF in less than a week."

post 16
How To Transfer Back Monies - Public Mutual To EPF
https://forum.lowyat.net/topic/2237878/all

Generally 10 working days, although i have experience less than that in a few occasion.

PUBLIC e-EMAS GOLD FUND
(PeEMAS)

Invest in Gold the Convenient and Affordable


Minimum investment of only RM100 via Public Mutual Online.
Sales Charge of up to 1.0% of net asset value (NAV) per unit.
Zero redemption fee.
Management Fee of 0.85% per annum of the Fund’s NAV.
Invests at least 90% of NAV in gold ETFs.
Initial Issue Price: RM1.00 per unit during Offer Period (1 September – 21 September 2021)

Fund Features
• Minimum investment of only RM100 via Public Mutual Online.
• Invests at least 90% of its net asset value (NAV) in a minimum of 5 gold exchange-traded funds (ETFs) in the global markets, with the balance in liquid assets

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

https://www.publicmutual.com.my/Menu/Campai...Launches/PeEMAS

Thanks. Was looking at this too.

I wonder how this fund fares (advantage/disadvantage) compared to its Gold Investment Account? Could it be better?

If you hv access to etf, DIY will be lower maintenance cost
What is the spread of gold investment a/c? Any holding cost?

This post has been edited by MUM: Sep 3 2021, 01:47 AM

Why bother 2% upfront and yearly 0.85% when Bursa has gold etf at 0.3% while paying minimum brokerage fee and easier to liquidate in the open market without delay

Gold etf by hwang expense ratio is around 0.6 percent if include all management and custody fees

Public mutual e-emas is more suitable for those to invest lil by lil Eg rm100 per month

You don't pay rm10 for brokage to buy rm 100 worth of gold right?

At current price gold ETF minimum is around 240 per trade with rm8 cheapest brokerage plus 0.45% annual ter so to save a minimum at least 400 units to be worth to save on brokerage

Pemas however only minimum less than rm500 on total but with gold for long term not suitable when inflation hit some and you be paying yearly fees biting into your base investment

Just another Hellogold but with Public name in it

yes. but the society does function like this. if you are rich and can put in more money your fees are cheap, if you have only a few hundred t invest then the fees is expensive

hellogold is not yet established and hence people will favor public mutual for it's reputation

but i saw no switching is allowed .....>>> mean only can sell/redeem ?

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

This post has been edited by ironman16: Sep 3 2021, 02:47 PM

yes,...stated as no switching allowed...

If like this long term not worth le 😅
Force me kasi duit le

The spread can be up to 9 ringgit...

i think that will be compensated with PM's lowest sales charge product

in terms of %?
count and compare in % easier to see...

i think, you are comparing directly with Gold price Versus Gold etfs....
not sure if those Gold etfs are directly correlated with direct Gold price....
does the Gold etfs that this P emas gold fund hold will have the same risk and reward ratio compared to direct gold investing thru bank's Gold investing a/c
unknown to what 5 etfs P emas gonna hold...
my wild guess will be these 5 Etfs will have lesser volatility...

A Comparative Study on Gold vs. Gold ETF’s and an
Analysis of Gold ETF’s as an Effective Investment
Tool for Indian Retail Investors
Dr. Raghu G Anand
Jain University- Center for Management Studies, Bangalore, India
http://www.ijmbs.com/Vol7/73/4-dr-raghu-g-anand.pdf

btw, the attached image is NOT from that above study...it is from google image

This post has been edited by MUM: Sep 3 2021, 07:27 PM


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