......
As the Dividend declare on Jan yearly....
Just got back the 3% dividen which offset the 3% charges.
Which is about rm1.7k

Stock market dividend is REAL unlike Mutual Fund.
Please elaborate more about this real and not real?

Invest in stock market wil be better option.
Yes, unless one has the characteristic and appetite for that...

If a fund didn't declare so call dividend mean someone didn't do proper analysis before jumping in.
Please eloborate more about this?...you mean got distibution is Better than those without distribution?

If got give dividend mean can offset the initial sale charges lo.
Please eloborate more about this?....i thought Guanteik mentioned just afew post up..."it's distribution, which means whatever declared is whatever was earned. You get back more in terms of units, but you don't earn that 3%."
is not true than?....if true how to offset? it is the money earned from the fund thus unit holder's money too....

now age reached 55yrs old cant withdraw all money in EPF, must 60 yrs old can only withdraw all...a colleague of mine went there last week

he never applied emas akaun..

Public mutual is not meant for short term investment, i yielded great profits in last year with investment in PRSEC and PFES about 8% to 8.5% ROI, but didn't sell out at that time , because i was just started to invest for 1 year.

Then this year because of the US-China Trade War now that both my funds are showing -ve in return meaning making a loss, but i will still continue invest because China's market won't be forever down and it will rise again is just the matter of time.
(some waited for 8~9 years for it to rise (2007/8 till 2016)....just imagine the "compounded" opportunity costs compiled with EPF money)

I would suggest to invest using EPF instead of cash, because of the sales charge % is different 3% EPF, and 5.5% for cash, therefore the breakeven point is lower if you invest using EPF. Unless you really have loads of cash till you don't know where else to invest.
(with EPF money.....there is always an opportunity cost abt 6% pa), thus fund must be able to earn > 8% pa (to compensate for the extra risk or this EPF almost risk free 6%)

My investment conditions:
1. Have sufficient cash flow in EPF or Cash.
2. Plan to invest long term 5 to 10 yrs or above.
3. Invest when price down, sell out when price high.
(what if the price went up before reaching 5 years?)
(sell before dividend distribution for the price are still higher, buy again after each distributions for the price will be lower, does this logic applicable too?)
4. Try look into new fund which selling at lower NAV price per unit.
(that means better to select funds based on lowest NAVs prices?)
5. Overseas fund high risk but high return. 
6. Local fund can invest but need to wait and be patient.
(every year under performance, the 6% EPF opportunity costs adds up)

if i invest  90k in public mutual fund for 15 years , not taking out .  if good market how much i can earn?

how long have you invest?

Hi, im newbie here... just started withdrwing my EPF last March 2018 to invest in PB...also subscribe to PMO to monitor my fund and need some guidance....

My inception date as follows:
1) RM72,160 on 26/03/2018
2) add on RM53,939 on 16/08/2018

My question, is it normal to see my return in negative at this point of time? Overall is about -6.5% (minus 3% sales charges hence net -3.5% margin) upon inception..appreciate some advise....my current funds as per below:

No such thing. You must construct a balanced portfolio in unit trust. UT tak sama dengan stock lor.

Everybody newbie will have thinking like this.

Two reasons I put some of my epf money into Public Mutual

1 - diversification
2 - my PM agent is a pretty ahmoi, we sometimes meet for kopi

yes, I am ok with that....
so any suggestion on my earlier posting to you about portfolio diversification as mentioned by you?


I liked the way you post this...
"I feel many people make a mistake for not diversifying their portfolio.
they invest solely on one fund and with not diversifying your portfolio, you are not able to take advantage of different sectors' weather wave.
not every sector is a bed of roses. therefore, with a well diversified portfolio, you can take the returns from those that are appreciating, and wait or the other side of the sector to come back to sunshine season again."

I does not wish to continue the to be in your statistic of many people make a mistake......do you know how?

He pointed these funds can perform if your timing is right.  On retrospective, how many can of these new PM funds investors can time the market even experts can't

I believe most of the PM investors trust their PM agents with their investment until  too late ....

May I know what funds you buying? 5 years impossible still loss, all my funds more than 5 years also got profit. U cash out dividend or repurchase?

My UTC only say keep DDI 

almost 10 yrs plus put in pbb fund still lost.. dun put to this stupid pbb fund..

Hi Newbie here.

I would like to invest in PMF. And had been recommended the Public China Access Equity Fund.

Put it this way, how can anyone determine the fund is good?

THanks for the reply.

For 5.5% service charge, isn't that all the same also? I meant is there any fund which don't charge any service fee?

Ok..i didn't know about that. The graph is spiralling downward.