public mutual e-cash deposit fund...anyone can share more info for this fund,example: any service charge, return....etc.

Thanks.

While waiting for value added responses, you can try this for some added info
https://www.publicmutual.com.my/Menu/Learni...sktCcBdHTsSgAJA

cut off time for epf is 2.30 pm. If purchased at 6pm that day, the pricing would be the day after tomorrow.

the management fee 0.375% yearly is calculated base on the cash that currently in the fund account?

if i invest ady but alredy done some withdrawal then they wont count the cash that i already withdraw, right?


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No upfront fee

Management fee 0.375% per year based on daily NAV

Return is same or slightly higher than 1 month FD after deducting management fee.

Next business day withdrawal if using public bank account

Free PA Coverage up to Rm100k

Cons: no pidm insurance

Yes

Usually the maths of it will be computed daily during computation of the daily nav.
Thus if you invested rm10000 and only withdraw rm 9900 just days before the anniversary,..... Your money "should be inside" that fund would hv already paid amount of just abit lesser than the full 0.375% due to its daily computation of NAV.

Btw, I think there are other fees too like for example, trustee fees

Trustee is 0.02 percent



 Public_e_Cash_Deposit_Fund_PHS.pdf ( 222.22k ) Number of downloads: 11

Hi guys,

Wanna ask normal public mutual customer (non-agent),
on birthday month buy equity fund got promo?
Like 3.xx%

Do you meant this?

Birthday Special Promo
Enjoy a special sales charge of 3.75% into equity/mixed asset/balanced funds and 0.65% into bond/sukuk funds when you invest for two (2) consecutive months starting from your birthday month.
https://www.publicmutual.com.my/Menu/Exclus...y-Special-Promo

Yes,
Need mutual gold only can get 3.75% ?

Normal customer can or not..

Normal customer can get 3.75% for 1k only. 3 times during that 2 months

anyone can share advantages and disadvantages by invest in public ecash deposit fund? thanks.

Preferably when compared to what?

That product will suits those that requires its characteristics and product profile expectation.

let say compare to current bank FD?

For individual or company point of view?

for individual...

Ok, then
Pros
No locking in period
Possible abit Higher rate
Lower initial start of investment amount
Can top up anytime
Low top up amount

Cons
No pidm
Unconfirmed rate
Takes longer to see money when redeem.

This post has been edited by MUM: Jul 1 2022, 06:40 PM

im newbie to PublicMutual, all this while was managed by somebody else, and noticed the funds are making losses..

the current funds are:
PUBLIC CHINA ITTIKAL FUND, as of today already lose RM147.00
PUBLIC ISLAMIC ASIA TACTICAL ALLOCATION FUND, as of today already lose RM5811.00

any good (most importantly stable) funds to switch over? both above are from EPF.. if possible the new fund to switch over has minimal or no switching fee..

p/s: i got PMO access

This post has been edited by spreeeee: Jul 18 2022, 04:11 PM

My guess n thinking is,... Stable funds may not be able to beat epf rates most of the time

Which regions do you think will grow most in 3 yrs time? 🤔 Greater china, Asia pac, US or European?