no need to hope.. got distribution or no distribution it will NOT growth my wealth in unit trust. I will NOT have any (Ringgit Malaysia) gain with distribution also.

This post has been edited by MUM: Jun 2 2015, 09:03 AM

since you posted in this Public Mutual fund thread.....
if you cannot get much responses that you liked to get,
you can try call/fax/email them for answers to your questions.....
I think tell will helps
http://www.publicmutual.com.my/ContactUs/WestofMalaysia.aspx

Find a reputable PM agent to serve you. He/she will be more than happy to do so.

pls help him.....
how to find a reputable agent?
what are the criteria?
what are the warning sign that the agent is/are not good?
(getting recommendation from friends are not wise..as the friend(s) maybe noob or they may have their own interest too)
and others...
thanks you

btw, you are definitely right to say he/she will be happy to do so.....with so high (5.5~6%) Sales Charges on RM 100k investment ...... huat-lah..

This post has been edited by MUM: Jun 2 2015, 09:13 AM

There's no such thing as a free lunch and all good things come at a price. Since you are paying it anyway, why not choose a "good" one.

Well, i believe the definition of "good" is vary from one to another. For me, the criteria for a "good" PM agent as follows:-

# Has to be a full time PM agent
# Willing to meet up anywhere anytime at my convenience
# Always keep me posted with new fund launching & promo
# Able to provide summary of my current investment as and when i requested for it
# Must not be pushy for decision
# Etc etc....

If you think the above is important to you too, please let me know. I will share my PM agent with you. Cheers.

This post has been edited by kokmengng: Jun 2 2015, 10:08 AM

point#1 & 2....can be known at the first meeting (before buying) (These 2 criteria can change after buying too)
the rest of the points?....can only found out after buying lor....too late then?
not much helps to @kwiklee perhaps

1. How much were you expecting from PDSF?
One sen distribution over its NAV/unit price on 29th May, which is 0.2858, is 3.5%. And bear in mind that the distribution is semi-annual.

2. Interbank via Maybank.
Not sure on what the interbank charge would be, as I normally do purchasing using a savings account in Public Bank. I would think it would be the same as using a debit card - which is zero, I believed? I don't have any debit card either!

1. You can start by reading some of the previous posts in this thread and other related threads in this forum. There was a good post in the previous page with lots of links... answering almost the same question as yours.

2. Choose the fund company. Know the type of categories of the funds. Then choose the fund to invest in. See also Morningstar Malaysia - how they rate the funds, choose those funds with 4 or 5 stars.

3. Mutual fund or unit trust is still relatively new in Malaysia compared to the US. Public Mutual is among the oldest. So there is not much historical statistic to refer to, but a 8% pa. could be considered as the better return.

WELCOME TO THIS PUBLIC MUTUAL THREAD.

Hi,

Welcome to this thread and forum.

It is a forum to share our thoughts and opinions on unit trust, and not necessary only unit trust distributed by Public Mutual.

While fellow posters will endeavour to answer any questions enquired here, they are no means obliged to answer them or answer them in a timely manner. We are, after all, not paid to do so, or to monitor the forum 24/7.

Please be reminded that investing into unit trust is not rocket science. It is part and parcel of personal money management. Common sense and light weight money management is all that is necessary to have.

Some basic words or jargons, and financial/investment concepts, as matter of course, would be necessary to be clarified for better understanding. And more often than not, they have been answered in this thread or in the previous thread.

While you might get a faster answer by asking the same question anew, you might get a better answer in your own time by browsing back some pages or the previous thread.

Seriously, you are not doing yourself any favour by looking for a fast answer to something basic such as how to invest or what to invest.

I would take my time to do some reading and then more reading beforehand. Yeah, I a bit paranoid... how would I trust some strangers in the internet that he/she is giving the right answer, or maybe there is an hidden motive to sell me something or to mislead me on purpose. If I don’t have a bit of knowledge on the subject matter, would not it be too easy to bs me bulat-bulat?

I would also recommend that you do the readings and search for more info using a desktop PC with at least a 20 inch flat screen. It is much easier to do a proper search and research by opening multiple windows. There is a difference in using a desktop version or mobile version too. The filter tool “Show posts by this member” is not available in the mobile version. It is handy to filter out other posts and show only my posts. LOL.

Once again, to Newbies: Welcome to this forum.

To others: thank you for sharing your thoughts and experience.

To trolls: thank you for the laughs.

Cheers.

Fund Gross Distribution / Unit
Public Ittikal Fund 6.00 sen per unit
Public Islamic Equity Fund 2.65 sen per unit
Public Islamic Select Treasures Fund 2.00 sen per unit
Public Regional Sector Fund 3.00 sen per unit
Public Far-East Select Fund 1.50 sen per unit
Public Global Select Fund 0.75 sen per unit
Public Dividend Select Fund 1.00 sen per unit
Public Balanced Fund 3.25 sen per unit
Public Select Bond Fund 3.50 sen per unit
PB ASEAN Dividend Fund 2.25 sen per unit

ya, sorry that I have forgotten it got 2 time distribution a year, so I compare the 1sen with previous years....

On top of that keep you in the loop of current news
Make decision together
Make sure you see me at least 1 to 2 times a year to share with you what is happening to your portfolio.

This is what I do for all my client day in day out, Even Just Invest with m RM1000

I opt for direct debit instruction (of RM 200) on the 8th of every month.

Roughly what is the time at which RM 200 is deducted from my Public Bank saving account?

Thanks for the information.

wow...RM 200 per month....(at 5.5%SC each entry)
I guess post #24 at page #2 did and in some way illustrated the effects of SC on its returns....

On the same day

wil-i-am
Roughly what is the time? 9 am, 3 pm or any other time?

No idea, as it depends on each Bank

Why need so specific?

I need to know the approximate time at which RM 200 is deducted from my Public Bank saving account, for the direct debit to my Public Mutual funds.

Yesterday, I transferred RM 200 from my Maybank saving account to my Public Bank saving account, via Standing Instruction. I just realized that Standing Instruction is performed by Maybank automatically at 6 pm. So, RM 200 will be credited to Public Bank saving account next Monday (8 June 2015).

If Public Mutual attempts to deduct RM 200 from my Public Bank saving account (on next Monday) before RM 200 is credited from Maybank via Standing Instruction, it will fail as my Public Bank saving account currently does not have that money.

And, one of my Public Mutual funds is a closed fund, so it does not accept additional investment, other than the direct debit.

Just change Maybank SI to 1 day earlier
Btw, u can instruct PM to deduct direct from yo Maybank a/c subject to RM1.00 service charge (b4 GST)