deleted..2x posting

This post has been edited by MUM: Sep 13 2017, 01:24 PM

While waiting firmore value added responses....
I kay pohabit.....i gyess it has to dependsonwhat you buy, what is there any switching, what is the economic situation at that time of redemption....in short it has to depend......maybe negatives return, maybe break even, maybe worst than FD Rate, maybe more than 10%.
Btw, what is yr expected returns?
Do you know how much the initial sales charges is?
Do you know the risks involved in mutual funds investing?
Do you know that fund is suitable to you in terms of the volatility involves?
Well i guess they does not matter as you don't monitor them

3%SC with EPF money?

I found this on the web....
Redeem Public Mutual Fund Online
http://imdavidlee.com/redeem-public-mutual-fund-online/

hope it is still valid....

alamak....still have to wait another 2 to 7 years to see my M'sia focused funds to go up?
so I continue to wait as Unit Trust Investment are a mid-long term investment ?
and not switch to any of those good performing funds that you named?
you mentioned about the m'sia economy not performing was due to ahjib......so m'sia economy will only see the light when he is no more in the helm? alamak...then I have to wait longer with my m'sia focused funds?

This post has been edited by MUM: Oct 16 2017, 11:09 PM

so do you mean a fund that gives dividend distribution is "Better' than those that did not give dividend distribution?
(because those funds that did not gives dividend distribution does not allow you to store more unit to earn kuat kuat when price raise?)

"so if you were interested in foreign fund, just be prepare to act quickly ( switching fund / selling off ) when market in that country is going down"
so it become like "trading UT funds"? trying to catch before it goes up and sell before it goes down?
I thought you just mentioned that unit trust is a mid to long term investment and you will need at least 5-10 years to see the result coming up?

"but still hope you understand what people always say : LOW RISK LOW RETURN, HIGH RISK HIGH RETURN"
but my low risk may be your high risk and your high risk maybe my high risk too......how to justify if "we" are talking on the same risk level?
so are "returns" too...

btw, you mentioned "PUBLIC FOCUS SELECT FUND, the YTD return is at 11.27%, not sure if that consider good for you."
how does the YTD performance of this PUBLIC FOCUS SELECT FUND when compared against its peers from other fund houses?

This post has been edited by MUM: Oct 16 2017, 11:35 PM

already waited 4 yrs, still must wait for how many more?
after 4 yrs the returns is 3.5%,. how many % must "that" fund make from now on so that the annualised return is better than EPF?

The Objectives of this fund and other funds from other fund houses maybe similar....
but is the performance of this fund similar to other funds from other fund houses?

read the RISKS associated with investing in Uts.....not the objectives

Nav increase, decrease or stayed flat is normal in UT especially in Equities.
these movement will be compounded if there is a forex exposure risks.

"I can see some NAV increase of my fund this few days".....
.......just that are they moving more or almost the same value in % terms when compared with other (funds or fund houses?)
for
it may increase LESS than other,
it may drops MORE than others,
it may increase at a SLOWER pace than others,
it may drops at a FASTER rate than others.

if want to compare daily or "this few days".....a lot of
look at them at 6 monthly or annually to see how it stack ups with other peers.

yes....
see this...
https://www.fimm.com.my/wp-content/uploads/...-March-2017.pdf

This post has been edited by MUM: Dec 26 2017, 10:34 PM

may i ask...
why select to invest into "that" fund?....looking at the title of that fund....it looks to me to be a constrained fund where it only focus on selected industries....
do you do your own selection or suggested by the PM planner?

already bought?

tough questions....
I think it boils down to what fund(s) you bought and how those fund(s) performed for this 3 yrs investment adventure
but do take note with all the risk as attached stacked against a 3 yrs investment period

generally I think, it is the sales charges of 5.5% (for Equity funds) incurred during your each purchase (including the monthly DDI) is the drag to it...
the impact of this sales charges is greater nearer to the end of your investment duration of 3 yrs.
your fund(s) needed to be able to generate a higher ROI for you to be able to recover the sales charges paid for each purchases in the nearer end cycle
for the beginning period ...the sales charges can be amortised to be about 1.8%pa
for the last 12 months it had to be 5.5% or more pa....

if compared with FD of about 3.5%pa + 1.8% sc = 5.3%pa....that is the ROI your fund needs to have for the initial period of investment
if compared with FD of about 3.5% + 5.5% sc = 9%pa...that is the ROI your fund needs to make the last 12 month period of your investment

you mentioned you are blessed with the know how of excel...that is good....use it to do a template with this sales charges things.
to determine if this DDI with this 5.5% sc for a period of just 3 years vs your expectation of making money against the risks .....is worth the take or not...

btw, there is the post about short term of 3yrs investment worth looking into...which may be helpful to assist in your expectation consideration
post 1569
https://forum.lowyat.net/topic/3004579/+1560#entry88150112
(maybe you can do an excel template of the pros and cons with it against the UT)

this maybe very true,..."While one go and bust his ass working and slaving at office all day all the way to earn more money...to put more money in..to mate with each other...trying to make more of itself against all those risks......those sales charges are somewhat like bacteria, growing day and nite without fail...cuz God Knows one have an ignorant bad spending addition "

and since you had started investing into it......"good luck and may your wish to be able to have profits in 3 yrs come true"

This post has been edited by MUM: Mar 4 2018, 10:01 AM


Attached thumbnail(s)

while waiting for responses......
if that fund performance is what you seek....
can try use this tool to see how it performed
remember to subtract the % of sales charges imposed
then see it the returns PA is ok to you or not or maybe you needs something more risky?

https://www.publicmutual.com.my/Home/Fund-Performance


This post has been edited by MUM: Mar 31 2018, 09:02 AM

maybe because of the timing?

btw,.just login...ok.


Attached thumbnail(s)

just curious,. since 10 yrs ago till now, has those funds gives an annualised returns of 6% or more? if yes, how much more? does that extra % justified the extra risk?

This post has been edited by MUM: Apr 27 2018, 11:02 AM

6% is the EPF probable rate.....if can hit 6%, why need to take the extra risk?
does that 2 funds mentioned by him, can hit 8% annualised for the past 10 yrs?
i needed to have at least 2% above EPF rate to justify moving over to those mentioned PM funds.

yes, that is correct
that is why i started the post 1430 as ....."just curious,. since 10 yrs ago till now......."

If based on 10 yrs past records that 2 funds still cannot hv 8% annualised return....i would rather try on some others that has better returns than those 2 funds, if i were to use epf money..