Hi all,
I was told Public Cash Deposit Fund is like FD which pays out monthly interest? Is that true?
Any info about this would be much appreciated.

while waiting for value added response.....it is best that you try to read this "PRODUCT HIGHLIGHTS SHEET"

http://www.publicmutual.com.my/LinkClick.a...8E%3d&tabid=670

from the info from that link, I don't think it will pays out monthly interest.....

Hi,
Thanks for the feedback. I came across this in the Public Mutual website.
Monthly Distributions for Public Cash Deposit Fund

Can anyone shed some light on what that means?

This post has been edited by starry: Dec 3 2015, 02:03 AM

Bro what make you so confident next year market will crash? Mind to share with us? thanks

This post has been edited by babygrand123: Dec 3 2015, 06:27 AM

Ermm..... I never said it will be next year. I have been waiting for market crash past fews years actually. Based on the cyclical nature of stock market, crashes are bound to happen but comes when nobody expects them. So, as I don't depend much on these instruments as my main source of income, I think I better sell off and wait for the right opportunity. There are some people who thinks that the big one will come soon though....

oh yeah! my bad....from the chart, it did has monthly distribution....thanks for sharing.
but I noticed from the distribution chart...the distribution is just 0.26~0.30 of a sen (not even 1 sen)
so assuming it to be 0.28 per month X 12 months = 3.36%
at an NAV of about RM 1 per unit, a RM 1000 invested will get about RM 33.6 return pa (subjected to market ups/downs)
so I think it is a competitive rate for this kind of money market fund

This post has been edited by T231H: Dec 3 2015, 08:45 AM


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Many thanks for the comprehensive analysis
Any idea where to get info whether a fund has an annual, semi annual or monthly distribution?

this would be the BEST place to ask.....
http://www.publicmutual.com.my/ContactUs.aspx

Ok, tqvm

Thanks for sharing !!!!

Bro.. when it comes, you will enter into put your money into Public Mutual?

Not too sure but the commission of 5.5% is a negative point. My plan is to buy stocks rather than unit trust.

I must say I was lucky to buy smallcap that time when the market was recovering. Made about 100% unrealized profit since I bought it 5 years ago.

For me unit trust is a no no when market is stable.......

Guys just want ask, i am a goverment worker planning to invest in a low risk investment with my EPF, is public mutual a good option?

while waiting for value added responses, it might be good to read

page 9, post # 166

page 10, post# 186

page 11, post# 203 and

page 11, post# 207 (some parts of that post hold truth about how some people believes and their response to your post)

what is the Sales charges for your investment with EPF money into public mutual funds?
is there any others that don't have Sales Charges for your investment with EPF money?
(btw,...don't let the Sales Charge be the main driver for fund selection determination, just include it in as part of the fund selection process)

Thanks it seem like i came into contact with a wealth advisor from a firm. EB united/limited, i can't remember the full name.

I understand the basic function of the way UT work i guess, but how do firms/wealth advisors make a profit from your investment? is it a commision/percentage like thing?

why don't you ask the wealth advisor from a firm. EB united/limited?
I could be wrong, but I guess most would make a profits from your investment by charging some Sales Charge during the initial investment and the annual fees for fund monitoring and advise to be provided.
(there are some funds that has 0% sales charges and no monitoring advise required in the market....like some of the PRS funds.)

is Unit Trust consider a low risk investment? and is the 1 to 1 insurance coverage as good as it sounds?

I have heard recently of a CIMB retirement scheme how does that hold up?

You can roughly tell a fund's risk but looking at its volatility. Different fund has different risk but in general, the higher the risk, the higher the return.

As for the insurance thingy, if you want insurance coverage then it's better to just focus on insurance. If you want investment, then choose something that focuses on investment.

is Unit Trust consider a low risk investment?
Low risk is NOT no risk....just how low is low? compared to what?
Any investment carries with it an element of risk. Therefore, prior to making an investment, prospective investors should consider the following risk factors.
General Risks of Investing in Unit Trust Funds
http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx
(will "low" risk investment subjected to risk# 5?)

is the 1 to 1 insurance coverage as good as it sounds?
someone , some where, some money had to be used to pay for the insurance plan coverage.
if you want something like this, try this for "exclusive customer" only...(exclusive here means, must get thru them.... , those that did not get from them will pay for the insurance of those that buy from them? )
they provides 1 to 1 free insurance coverage....(read T n C)
http://www.affinhwangam.com/protect?id=380#.VmPCeOGhe3A

I have heard recently of a CIMB retirement scheme how does that hold up?
sorry to be blunt, this is a PM thread.....you started with Questions on PM....then...wealth advisor firm...then ...insurance...then....CIMB retirement scheme......, there are some other dedicated thread for these relevant topics,...example....(more in LYN)

Funds Investment corners
https://forum.lowyat.net/topic/2601692/+2180#entry77532088,

Personal Financial Mgmt thread
https://forum.lowyat.net/topic/3004579/+980#entry77602042

Private Retirement funds thread
https://forum.lowyat.net/topic/2064127/+1140#entry77591149

btw,...don't forget this advise below.....

This post has been edited by MUM: Dec 6 2015, 01:55 PM

"We would like to inform you that Public Mutual Online (PMO) website will be under system maintenance from 8:00PM until 10:00PM on 8 December 2015 and access to the system will not be available during that period."

PMO okay now, but fund prices yet to be updated today... major failure or is today a holiday in KL?