i think tmr will launch a new fund Public e-Carbon efficient fund , may be the fund suit u n starting with 0.25 (NAV).
look into it n plan

oledi can purchase in PMO

https://forum.lowyat.net/topic/3580942/+2360#
oledi discuss a few post b4...

kasi u pic
https://www.publicmutual.com.my/Menu/Campai...-Efficient-Fund

[attachmentid=10784097]

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

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

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

No idea but if were to venture a guess...its because of costs.
PMF SC is 5%, RM 1k initial investment gets RM 50 sales charge.
If someone start an account with only RM 10, sales charge rm 0.50 , its pretty much a waste of resources to attend to that.

Cost of running the fund itself 

If you see some others are lower is because cost efficiencies, high liquidity and AUM size is large

About 1.5% p.a. like that. No sales charges, minimum starting deposit only RM100.

It's money market, so it's not very high gains (about equal to average non-promo FD rates) but stable/secure with the benefit of being able to withdraw without losing the interest. Withdrawal time is usually next-business-day speed.

e-Cash Deposit Fund currently main promo is the PeCDF-ERA (Emergency Fund) that lets you earn MGP if you set PeCDF as your emergency reserve account via Public Mutual Online.

Use it if you want a short term place to park money. It's not meant to be a long term investment vehicle.

The actual amount needed to pay depends on the type of fund you're switching from, the type of fund you're switching to, and whether your units are loaded/non-loaded.

Please read the prospectus/product highlights of the fund you're switching from. All funds have slightly different methods of calculation. Otherwise it can be very costly as some funds have a high minimum switching fee regardless of units, loading, or the minimum days held.

I would like to have a look at the interim/annual reports for either/both funds as well if anyone can share. Thanks

hi there,

does anyone received this letter in their email ?

DOMESTIC RINGGIT BORROWING DECLARATION

Dear Resident Unitholder,

We wish to inform that effective XXXX, upon your login to Public Mutual Online (PMO), you will be requested to complete a list of questionnaires to determine your Domestic Ringgit Borrowing (DRB) status, pursuant to Bank Negara Malaysia’s Foreign Exchange Notices (FEN) issued on 15 April 2021.

Based on the FEN, you are deemed to be without Domestic Ringgit Borrowing if:

    a)  You have no credit or financing facility obtained in Ringgit; or

    b)  Your current credit and financing facilities in Ringgit are confined to the purchase of one (1) residential property, one (1) vehicle, financial or non-financial guarantee and/or credit card or charge card facility.

Should you have any enquiry on this matter, you may contact your servicing UTC or our Customer Service at 03-2022 5000.

Thank you.

Yours sincerely
PUBLIC MUTUAL BERHAD

Here is the interim report

Why are you talking about FSM when PUblic Mutual is closed end funds in the 1st place 🤦‍♀️ as they are not sold outside by any distributors unlike other fund houses
Forget about buying mutual funds as to hold because the sales charges itself is ready rip-off not to mention management and expense fees

ETFs way better for cost and tax efficiency not to mention only expense ratio fee being on top of brokerage which is next to nothing compared to sales charges

Yes at best Public Bank and LPI are sister companies since they share the same major shareholder, the estate of Teh Hong Piow. LPI is in no way the parent company of Public Bank.