Should be about 3-5 days - depends whether its a cheque or bank into PB account.

wow wow wow - Bond funds shoot up today... after BNM cut OPR.

14/7/2016 PB AIMAN SUKUK FUND PBASF 1.0617 0.0040 0.38%
14/7/2016 PB SUKUK FUND PBSKF 1.0690 0.0033 0.31%
14/7/2016 PB INFRASTRUCTURE BOND FUND PBINFBF 1.0703 0.0032 0.30%
14/7/2016 PUBLIC SUKUK FUND PSKF 1.0693 0.0030 0.28%
14/7/2016 PB ISLAMIC BOND FUND PBIBF 1.1305 0.0029 0.26%
14/7/2016 PUBLIC ISLAMIC BOND FUND PIBOND 1.0160 0.0023 0.23%
14/7/2016 PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND PIINFBF 1.0682 0.0024 0.23%
14/7/2016 PUBLIC ISLAMIC SELECT BOND FUND PISBF 1.0451 0.0019 0.18%
14/7/2016 PUBLIC INSTITUTIONAL BOND FUND PINBOND 1.0080 0.0016 0.16%
14/7/2016 PUBLIC ISLAMIC INCOME FUND PIINCOME 1.0628 0.0014 0.13%
14/7/2016 PUBLIC SELECT BOND FUND PSBF 1.0132 0.0012 0.12%

Normally, the daily increment is about 0.02%.

How come my PBond is not in d list

nothing to be surprise about it

Hi all, new to unit trust and fund. I read through previous post here... There is always performance table for 1, 3, 5yrs and YTD. May I know how this calculated? Is it solely based on the NAV or taking in distribution factor already?

Thanks.

Calculations can either be
1. cumulative - total growth for period : (end-start)/start
2. annualized - average growth per year, compounded : CARG/Future Value calculation
3. calendar year - performance for year : (end-start)/start same as cumulative, except time set to 1 year.

Distribution already taken into account.

Thanks Luken for quick reply. I try to do a little research this morning and I found this seems contradict with yours. The link here: https://thebillionairesquad.wordpress.com/

18. Should we only buy the fund with high historical distribution?

No. Distribution is not indicating the performance of the fund. The real value of the investment is still same. After distribution, the fund price will drop as the distribution is from the NAV of the fund.

So, appreciated you or someone confirm on this?

Besides that, I read on switching fee. Just wonder will PM UTC still earning money if we only switch our fund? Or because that they keep triggering us "Buy" "Buy" "Buy"?

Thanks.

While the information on the link attached is 100% legit, I don't think what lukenn contradict with it at all

performance takes into consideration the effects of distribution means it doesn't just take the fund price changes but also the additional units distributed; otherwise you would end up with much lower returns when the fund price become lower after distribution

Can't help on PM UTC commission, I've no clue

Hi Dasecret... Thanks. After I read the question and answer repeatedly few times, I realized that I read the question wrongly. Haha... First, I tot the question is: Should we only buy the fund with high performance bond?

That why I tot is contradict. Thanks for Lukenn as well

Then seems PM fund is really not that competent to others, but it is still holding a big market

First, welcome to this thread where I tried to explain the basics of unit trust funds as simple as possible.

1. UT fund is different from gold price. Its performance table or growth table is not based on its NAV price or its distributions. The growth is its actual net growth between 2 points in time.

2. Please read further in this thread or elsewhere how the income distribution would readjust the NAV price per unit.

3. Let's take this performance chart as an example. http://www.publicmutual.com.my/application...formancenw.aspx (Sorry, only the link... as I don't know how to embed it. )

The performance chart for 1, 3, 5 or 10 years is a moving chart with its starting point from the respective years till today. It shows the total growth of the fund. It is a simple chart charting the growth of the fund throught the years. Usually in performance tables in articles, ithe figures are annualised.

4. The Year-To-Date (YTD) figure is the growth for this year. In the above linked performance chart, select "Date range from" and put 31/12/2015 as its starting point, and today's date as the ending point.

5. Annualised means that it is a sort of 'average' figure for each year, except that it had taken "compounding" into account.

6. What some people failed to comprehend in reading the annualised numbers is that they misconstrued it as the annual or yearly growth; while in truth, there could be good years and bad years and the growth can be positive as well as negative at various points in the charted time period.

7. Looking at a growth chart showing all the growth points throughout the respective years instead of seeing a single annualised figure would help to dispel the miscomprehension in (6).

8. The growth performance charted is the previous years... how will the future fare is open to all speculations. But one thing for sure, 100% certain, is the ups and the dips which is clearly shown in all performance charts.

(Hence the strategic method of regular buying ("Buy, buy, buy') at the accumulative stage is always advocated. LOL Am now sounding like a UTC out to get his commission. )

Cheers.

This post has been edited by j.passing.by: Jul 21 2016, 04:45 PM

Missed your post... hence the late reply.

The figures were taken at night... and only local funds were updated, while the foreign funds were updated the next day.

PBond for that day is 0.11%.

YTD PBond is among the bottom 5.

YTD - Bottom 5:
PB Bond Fund
Public Strategic Bond Fund
Public Select Bond Fund
PB Fixed Income Fund
Public Bond Fund

YTD - Top 5:
PB Aiman Sukuk Fund
Public Islamic Infrastructure Bond Fund
Public Islamic Bond Fund
Public Sukuk Fund
PB Sukuk Fund

This post has been edited by j.passing.by: Jul 21 2016, 04:44 PM

Thanks for such long reply. Ya... Takes me whole day to complete 34 pages comments in this thread. @@
Not going to read the old one... lol

Thanks for all who contributing in the thread... Understand more now

You can hop over to fundsupermart thread next.... very relevant information about funds and your options outside of public mutual

*run away before the TS chase me away for kacau-ing*

Have been holding since 2011
Is it the right time to sell now since returns is so-so?

It is not easy in making this type of decision to sell or not... I think it depends on what is the objective in having the bond fund.

I tried to make decisions based inwardly on how my portfolio is, what's the bond/equity ratio and what's its returns that I am satisfied with and what is the better equivalent fund that I could switched to... and have yet to reach the stage where I need to sell and cash them.

Well, at least this was what I'm trying to do recently instead of looking outwards on the market trend and tried to do some timing and performance chasing.

Looking in these bond funds on their recent returns in the past 3 years, it do looks like this year is good for bond funds... the past 6 months is good, but while nobody can be certain that the next 6 months will be equally good, it looks like Bank Negara could cut the OPR again in the latter part of 2016.

Year-to-year total returns for PBond and Islamic Infrastructure Bond Fund, respectively:
2013: 2.49% 4.37%
2014: 3.94% 3.72%
2015: 4.45% 3.91%
1H-2016: 2.21% 3.93%

The returns in the 1st half of 2016, in 6 months is almost the same as the whole 12 months in the past 3 years... while we can conservatively project it to be about 7-9% for the year, it is by no means a 100% certainty that this will turn out to be true.

Hi ...
New here.

Need some advice on units redemption (sell) cut-off time
redemption via PMO its 4pm
But EPF redemption only can do at Public Mutual office.

So what is the cut-off time for walk-in client? Is it 4pm or much earlier.

understand that for UTC, thier cut-off is 2pm but I wanted to know for walk-in customer.

Thankyou

1. Re-purchase (sell) of EPF funds can be done via PMO (Public Mutual Online).

(Only purchases under the EPF withdrawal scheme cannot be done online, as there is paperwork and your thumbprint is required for submission to EPF, before EPF can release any money.)

2. AFAIK, the cut-off time is the same over the counter at the branch office at 4pm. Walk-in customers usually don't have to queue and will be attended first... but you must allow some time to request the right form and filling it.

If I remembered correctly, the counter clerk will key-in the details on the spot and then time stamped the forms, before returning to you, your copy.

If you really need to do it personally at the branch office, it would be wise to call them first... who knows, maybe there is a recent change in the cut-off time that we are not aware of.

Cheer.

PS. Yeah, have noticed that the Public Mutual website and server is erratic over the past week... seems to be down several times during the critical hours from noon till 4pm. Yesterday (Monday) is the worse... only able to connect now after 2am - don't know whether to be annoyed or salute the IT guy who managed to get it up and running at this graveyard shift hours.

Hi,

I know that we able to view the performance table of the normal fund on Morningstar. How about Private Retirement Scheme? Can someone provide a link to see this?

Thanks.

I try to view the performance one by one from PM site... Seems all of the PRS under perform (negative)? Is it only for PM PRS or due to global economic?

Thanks.

try this....?
http://www.ppa.my/getting-started/funds-re...nd-performance/