if you cannot wait for answer.......or if there is no response....try this
http://www.publicmutual.com.my/contactus.aspx

I think had had to depends on what fund you bought, when you bought it and how long after buying it, will you be do the judgement....
will past performances ensure a repeat or continue a repeat of future performances?

This post has been edited by T231H: Aug 27 2016, 02:05 AM

May I suggest that you keep your money in EPF until you have made every effort to know more about investing in UTs funds especially with EPF monies and its risks associated with UTs investing....to see if you are suitable and comfortable with it.

Very WRONG & MISLEADING info & theory

he did mentioned " for the past 4-5 years"

amended
OOPs...

This post has been edited by T231H: Sep 24 2016, 09:56 AM

While waiting for the right response....
I just want to say....some small caps funds from other fund houses are losing money too this year in m'sia

TOP best in terms of what?
Returns?
if yes, based on past performance of how many years?

try use the morning star to get those data......

http://my.morningstar.com/ap/fundselect/default.aspx

on the LOACL RESPRESENTATIVE...select PM

sorry, can help you much...my best may not be your best..

while you waits for responses here,
may I suggest you get the records of your purchase and contact/call up PM CS to clarify....

while waiting for responses, you are advise to try call the CS....

btw,....the answers posted here by forummers may not be valid or are still valid.....
if you call PM CS directly..., if things turns out not as per responded....you will know who "screwed" you....



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while waiting for responses, you may want to try read this....
The Essentials of Managing Risk: Asset Allocation & Diversification
http://www.publicmutual.com.my/LinkClick.a...onI%3d&tabid=86

Impact of Large and Small Cap Stocks on Fund Performance
http://www.publicmutual.com.my/LinkClick.a...vLE%3d&tabid=86

Keys to Successful Unit Trust Investing
http://www.publicmutual.com.my/LinkClick.a...vbU%3d&tabid=86

and many more in .....
What You Need to Know
http://www.publicmutual.com.my/Prospective...NeedtoKnow.aspx

hope this can answer you....
Your unit trust investment return refers to both income and capital growth where:

Income return arises from dividends earned on shares and capital gains realized on the sale of shares. The distributions (if any) will be declared at the end of each financial year and will be distributed to investors based on the total units held at the end of the fund’s financial year. The distributions will be paid to investors by cheque or reinvested on the investors’ behalf as per the distribution policy in the prospectus.
after the reinvested monies are converted to units...you got more units.....thus any appreciations of NAVs will have added value to the new acquired units thus your total value in that fund.

Capital growth arises from an increase in the value of the shares in the portfolio. Investors who sold the units at a higher price than the amount purchased will realise a profit and similarly investors will experience a loss if the portion of the investment sold is less than the purchase price.
Please note that past performance, past earnings or distribution record of the Fund are neither a guarantee nor an indication of the Fund’s future performance, earnings or distributions.

http://www.phillipmutual.com/help-centre/faqs/

while waiting for an agent....you may want to read this ...it did state the premium...
http://www.publicmutual.com.my/LinkClick.a...et=HJ3tj6KZoXw=

btw, the holder must maintain a certain invested amount with PM to be continuously eligible for premium renewal.

I may be wrong, but, I think, that agent will need to get the document signed in your dad present.....
(he also need to at least confirm the existence of the would be policy holder)

good luck waiting for one,....
else if you cannot wait,...try call up PM customer service and have them sent an agent to you if possible.

This post has been edited by T231H: Jan 8 2017, 11:06 PM

Of course you can. You can choose to leave the existing purchased fund via agentt either sell it off, leave it stopped there or transfer to fsm. ..... but if for transfer of current funds to fsm, then below post is valid.

try this...
http://www.publicmutual.com.my/prs/PRSYouth.aspx

I think the answer to your questions is there...

would you be kind enough to tell approximately where to meet or you are staying?
then if you dun mind tell approximately how much do you want to invest?

Bcos the sales charges is already costed you RM 500

not directly answering to your post...but while waiting for value added responses.....i found this....
many are not as good as PB funds too and many are better then PB funds too.
select the region/country of focus than compare....
https://www.fundsupermart.com.my/main/fundi...torareacode=FE2

btw,...are you refering to PB series ONLY and exclude Public Mutual series....or

or some say this is cheaper still....
eUT / POEMs / Phillip Mutual Berhad UT discussion, Coz' Fundsupermart not cheapo enuf'!
https://forum.lowyat.net/topic/4268975

within these funds...PB still the Better wor in 5 yrs duration...

just a note:
Investment involves risk. The price of securities may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

This post has been edited by T231H: Aug 21 2017, 12:34 PM


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