Time flies, and only 2 more days to another year.

Some random thoughts:
- 2015 not too bad, portfolio gains about 9%.
- KLCI really window dressing these several days, could push the YTD to nearly 10%, hopefully.
- DOW and S&P: where's the santa rally?

- What's in 2016? Same old, same old... if still in beginning stage, keep accumulating UTs since the investment is not for next year, but the future 20-30 years.

If in the mid transition stage, maybe take bolder steps to improve the IRR with some decisive timing. Good luck!

Any advice on PB Dividend Builder Equity Fund?

Thanking in advance.

fund specific benefits would include diversification of bluechips in local and some in foreign countries. expectations should be placed on the consistency and the yield of the distributions. it will be a local based fund i suppose..exposing to local economy, political, etc etc risks.

Thanks for the info.

Just buy, price up sell, price down buy some more
Buying UT must have a die hard gambler's mindset, you lose rm10, you put in rm20 more.

2015 – How was it?

This year not a bad year for UTs, with extraordinary growth in the foreign funds, with YTD gains ranging from 8% to 18% – all thanks to the steep ringgit drop. The drop in ringgit also made the balance funds performing exceptionally well.

Even the Australia Equity fund gained 6.2% for the year when the S&P 200 index declined 2%; from 5411 at 31 Dec 2014, and closed at 5295 today. Other indices like Hang Seng and STI were performing just as poorly as the KLCI and S&P 200.



On the domestic front, the best performing funds were the small cap funds. Public Islamic Opportunities Fund leading the pack with 18.3%. At the rear end was Public Islamic Dividend Fund with 3.5%.

Overall, most of the funds were in positive growth for the year, with several laggards in negative territory.



With the mixed bag of funds from negative growth to positively high growth, how well the portfolio was doing in the past year depends on holding the right funds.

Fortunately for me, my main portfolio hit 10%, while the 2nd portfolio of EPF-approved funds (started several years ago) gained 7.7%.

The main portfolio made the gains by swinging into equities during the dip in early Sept. The 2nd portfolio was pulled out of equities before KLCI went down after May, and did not ride the dip.

And more importantly, managed to pick up 2 good EPF funds in the dip - PB Islamic Equity Fund and Public Ittikal Sequel Fund. Both portfolios were in equities in the 4th quarter.

(The best gains were from the Australia fund, going up 2.77% on Tuesday, and another 1% yesterday.)

What’s the strategy for the next 12 months? Maybe will stick to “Sell in May and go away”, and maybe have more balanced funds – which were renamed to ‘tactical allocation’ funds.

Cheers. Keep investing. Happy holidays!

Public Mutual declares RM188m distributions for 11 funds

It declared three sen per unit for the Public Savings Fund; Public Focus Select Fund (one sen); Public Strategic Bond Fund (four sen); Public Islamic Savings Fund (0.5 sen); and Public Islamic Growth and Income Fund (0.5 sen).

As for the Public Islamic Enhanced Bond Fund, the distribution was (4.5 sen); Public Islamic Strategic Bond Fund (4.25 sen); PB Growth Sequel Fund (one sen) and one sen each for PB Growth Sequel Fund and PB Mixed Asset Conservative Fund while for the PB Aiman Sukuk Fund (4.5 sen).

URL: http://www.thestar.com.my/business/busines...unds/?style=biz

Wah... dangerous lei

A successful story by my auntie that no relatives will ever see her again that own few bungalows in Damansara and Iskandar

But must have enough modal.

No need, get personal loan to send the agent for European luxury meeting there.

Another round of market selloff... all following the selloff this morning in Wallstreet. And wallstreet was selling due to data from China, and Shanghai closed market after just after opening for 29 minutes...

How should you react if holding China funds like China Select? It lost 2.18% on Monday, -0.29% on Tuesday, and gained 0.17% Wednesday. How much would it lose today?

But before you react, take a note that it gained 17% in 2015. And also the reason why you were buying into this fund.

If you are among the young investors accumulating equity funds for the longer term, maybe continue on with the accumulation, whether via DCA or VA method.

If you are among the more senior investors with a balanced portfolio of money-market funds, bond funds, some conservative dividend and income funds, and some high risk agressive funds, maybe do nothing as the portfolio was set-up to expect turmoils in the market.

If you are among the 'restless' investors who are neither here nor there, maybe do what you think you should do. Hopefully, there was an investment strategy in place. If so, don't panik and abandon the strategy...

Cheers. Have confidence and follow your own advice.

This post has been edited by j.passing.by: Jan 7 2016, 01:42 PM

You holding China funds?

Does it really matters whether I'm holding China funds or not when it is a global selloff?

As you know, I'm among the 'restless' investors.

Make a stand and take a position whether the selloff will continue, whether this month and this quarter will end up even more badly with greater than 10% or 20% down or will the selloff end tomorrow and will rebound next week.

And then take your bet.

If I take a position, then no trimming profits or cut lost by such and such percentage of the funds or "top-up". No point trimming by 5%, and leaving 95% expose to a potential 20% drop. I will take it completely off the table.

FYI, I chopped 2 funds before 4pm, they were about 25% of the overall value of the portfolios. (My free quota of switches was just replenished this week! I can swing back in anytime without costs.)

=================

Portfolio now:
Foreign funds: 0%
Local funds: about 40%
Local small-cap funds: about 20%
Money-market: 40%

Some of the local funds, I have to hold because one of them, a small-cap fund, is closed, and some have PA insurance. And all them in positive CAGR... and contributing positively to the overall IRR. Will only chop those that do not add higher value to the IRR.

Local funds: about 40%
Local small-cap funds: about 20%

mind to share the list

They are the usual popular funds; Ittikal, Ittikal Sequel, PB Islamic Equity, and newly added PB Balanced.
Small cap PIOF (which was closed in Sept 2014); and recently launched small & mid cap Select Treasures.

In the plan: switch more into Select Treasures by another 10-25%, and cautiously increase equity back to 85-100%. But this might not happen, and maybe even lower total equity to 20%-40%... all depending on which direction the wind blows.

(The total switched values in the main portfolio broke the 1 mill mark this week. )

after comparing with my own profile; i think maybe is timing for reshuffle for 2016

Discover the hidden growth potential of small-cap stocks to achieve higher returns over a long-term period with PB SmallCap Growth Fund.
- Invests 70% to 98% in equities, with focus on small-cap stocks.
- Up to 25% invested in foreign markets.
- Initial issues price of RM0.25 per unit during Offer Period (13 January - 2 February 2016).

===============

Name of Fund: PB SmallCap Growth Fund
Category of Fund: Equity
Type of Fund: Capital growth
Distribution Policy: Incidental
Launch Date: 13 Jan 2016.
Financial Year End: 30 September

Fund Objective: To achieve capital growth over the medium to long term period through investments in companies with small market capitalisation.

Investment Strategy:
PBSCGF invests in stocks of companies with small market capitalisation listed on the domestic market and selected foreign markets at the point of purchase. The Fund maintains equity exposures within a range of 70% to 98% against its NAV. The balance of the Fund’s NAV will be invested in fixed income securities and liquid assets which include money market instruments and deposits.

Benchmark:
90% FTSE Bursa Malaysia Small Cap Index; and 10% 3-Month Kuala Lumpur Interbank Offered Rate (KLIBOR).
Note: The risk profile of the Fund is not the same as the risk profile of the benchmark.

===============

The 1st and only small-cap fund in the PB series.

Wow.... Same fm as public series?

I was also introduced to this fund...Do you think it is worth investing?