QUOTE(MakNok @ Aug 17 2018, 11:52 AM)
tell me which fund give average return 8%...bullshit lah
which Public mutual fund...mine is high risk already lo...follow the market index...
i bought it both time when KLCI is at about 1720 point
.......
can analyse ?
QUOTE(MUM @ Aug 17 2018, 12:47 PM)
Mind sharing...which epf approved funds under pm can beat more than epf rate annually for the past 10 years or annualised 6.5% for the past 10 yrs?
QUOTE(MUM @ Aug 17 2018, 12:54 PM)
Regarding your question......yes...it is normal during bad markets environment n also depends on the funds you selected.
Bear in mind that for every year the fund not making at least 6.5% pa....the fund would not beable to recover the accumulated opportunity cost lost of epf rate.
Btw...there are just a handful of epf approved funds that can beat the annualised epf rate consistently....thus select well
very true
QUOTE(ehwee @ Aug 17 2018, 01:07 PM)
So just wonder what are the example of PM funds that have a history profit records of 10 years with 8% return?
Anyone can share?
QUOTE(effectz @ Aug 18 2018, 07:42 AM)
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.
I found one.....(maybe more or none anymore as of 16 Aug 2018) (different time period will have different results)
just some basic not sure.......
1) not sure when it was included into EPF-MIS
2) not sure, if it has ever be suspended
3) not sure, if one is lucky to have hold on to it after getting it out of the 53+17 EPF-MIS PM fund
4) not sure if it is still open for subscription
5) not sure if past performance would repeat itself for the next 10 yrs
6) many other not sure....
as of 19 Aug 2008 till 16 Aug 2018......Public Growth fund has a return of 109.29%
when free and curious to know more, can try to check the list of EPF-MIS PM funds
http://www.kwsp.gov.my/portal/documents/10...sh_28022018.pdfthen use the PM fund performance check tool
https://www.publicmutual.com.my/Home/Fund-PerformanceAs HARRY would have said...."Do you feel lucky?"
I guess NOT,....for those that had bought into that fund 4 years ago had just earned 11.46% gain (minus 5.5% or 3% SC, then this gain of 11.46% would be less,....maybe left with 6~8%)
EPF rate 4 yrs X 6% = 24% already
which mean this fund would have to earn approximate 10% pa for the next 6 years (10 X 6 = 60 + 11.46) to be able to ............
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