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 Public Mutual Funds, version 0.0

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Dividend Magic
post Oct 12 2016, 05:53 PM

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QUOTE(dasecret @ Oct 12 2016, 05:40 PM)
I think worst is an overstatement la.... even for me who dislike PM
There are worse ones out there

But there are also better ones out there. So choose wisely
*
Very diplomatic answer rclxms.gif

But yes agreed, many many better alternatives out there.
Quang1819
post Oct 12 2016, 06:59 PM

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QUOTE(dasecret @ Oct 12 2016, 05:40 PM)
I think worst is an overstatement la.... even for me who dislike PM
There are worse ones out there

But there are also better ones out there. So choose wisely
*
Pumping in CIMB for now. Any recommendations? brows.gif

Edit : I'm still quite new to these investments though smile.gif

This post has been edited by Quang1819: Oct 12 2016, 07:00 PM
dasecret
post Oct 12 2016, 06:59 PM

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QUOTE(AbangCorp @ Oct 12 2016, 09:59 AM)
Aggressive is not everyone appetite. Especially if you require a stable income.
PIDF Public Islamic dividend fund is steady, it did hit 18% (or more) historically. So what I did, I invest regularly, slow and steady.

Do you notice, within these 2 or 3 years, most Malaysian fund is also going south. As diversification as their main feature, each fund type will cover most of the big company. If the economic climate is not conducive, these companies will also decline in growth as well the fund house that invest in them.

If you are a seasoned PB investor, you will know that you can wait (patience) and you have lock some handsome profits.

There is indeed fund type that outperformed its benchmark, if you ask me it is good enough. Many also slips. I am focusing on long term gain, thus the fund that have below average or slips if NAV price is what I am grabbing right now.

Please also be informed our economy is not its dead bottom level yet. it is just 4 % down and 4 % up. So strategy is crucial.
*
I agree that the large caps are not doing great in the past 2-3 years, but to say most Msian fund not doing well seem to only apply to PM though. The following excludes small cap funds
Examples and their 3 year annualised returns:
Kenanga Growth Fund 13.48%
Eastspring Investment MY Focus Fund 12.73%
Eastspring Investment Equity Income fund 8.43%
Eastspring Investment Dana Al-Ilham 8.34%
Manulife Dana Ekuiti 8.27%

Contrast that with Public Mutual
Public Select Select 3.86%
Public Ittikal Sequel 3.84%

Sorry, not so familiar with PM funds not sure if I miss a higher return one... but you get the picture

QUOTE(Dividend Magic @ Oct 12 2016, 05:53 PM)
Very diplomatic answer  rclxms.gif

But yes agreed, many many better alternatives out there.
*
Have to stick to the facts la, even if this is just a public forum
Quang1819
post Oct 12 2016, 07:00 PM

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QUOTE(Dividend Magic @ Oct 12 2016, 05:53 PM)
Very diplomatic answer  rclxms.gif

But yes agreed, many many better alternatives out there.
*
Advise me bro tongue.gif
Dividend Magic
post Oct 14 2016, 01:06 AM

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QUOTE(Quang1819 @ Oct 12 2016, 07:00 PM)
Advise me bro tongue.gif
*
Wish I were in a position too bro tongue.gif

Not a fund person laugh.gif
AbangCorp
post Oct 14 2016, 09:13 AM

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QUOTE(dasecret @ Oct 12 2016, 05:40 PM)
I think worst is an overstatement la.... even for me who dislike PM
There are worse ones out there

But there are also better ones out there. So choose wisely
*
There are so many criteria when selecting unit trust. There are also many strategy to implement it. By having a lot of unit trust fund type within the same unit trust management company, you could apply more strategy (buying low, switching etc).

Better or worse is really up to you apetite and liking.

Let me put here as example. public mutual have been in business more than 30 years. To start investing directly to high risk / high return equity share market, you need at least 1000 ringgit.

Competitor have a little bit more linient say 500 ringgit to start invest.

Investor A=have 10thousand in his pocket
Investor B=have only 100 dollars spare cash per month

Thus if I am the investor A, minimum initial investment does not concern me much as much as investor B.

This post has been edited by AbangCorp: Oct 14 2016, 09:19 AM
wongmunkeong
post Oct 14 2016, 09:52 AM

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QUOTE(AbangCorp @ Oct 14 2016, 09:13 AM)
There are so many criteria when selecting unit trust. There are also many strategy to implement it. By having a lot of unit trust fund type within the same unit trust management company, you could apply more strategy (buying low, switching etc).

Better or worse is really up to you apetite and liking.

Let me put here as example. public mutual have been in business more than 30 years. To start investing directly to high risk / high return equity share market, you need at least 1000 ringgit.

Competitor have a little bit more linient say 500 ringgit to start invest.

Investor A=have 10thousand in his pocket
Investor B=have only 100 dollars spare cash per month

Thus if I am the investor A, minimum initial investment does not concern me much as much as investor B.
*
even when buying / switching as a Mutual Gold + "at agent's cost",
IMHO, FSM's offerings have better cost AND options

As for your first example - er.. why compare direct stocks to mutual funds/unit trust la
don't confuse the matter or.. is there a reason to confuse the matter?

This post has been edited by wongmunkeong: Oct 14 2016, 09:53 AM
dasecret
post Oct 14 2016, 10:08 AM

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QUOTE(AbangCorp @ Oct 14 2016, 09:13 AM)
There are so many criteria when selecting unit trust. There are also many strategy to implement it. By having a lot of unit trust fund type within the same unit trust management company, you could apply more strategy (buying low, switching etc).

Better or worse is really up to you apetite and liking.

Let me put here as example. public mutual have been in business more than 30 years. To start investing directly to high risk / high return equity share market, you need at least 1000 ringgit.

Competitor have a little bit more linient say 500 ringgit to start invest.

Investor A=have 10thousand in his pocket
Investor B=have only 100 dollars spare cash per month

Thus if I am the investor A, minimum initial investment does not concern me much as much as investor B.
*
Abang, I think you have not looked at the unit trust industry landscape for a while

Instead of choosing a single fund house, now you get the option of almost all the fund houses by going to:
1) Banks - their offering still a bit limited due to their shortlisting requirements, more foreign feeder funds
2) FA Firms/CUTA/IUTA - provided CFP advisory and portfolio construction with funds from various fund house
3) DIY via fundsupermart - cheap sales charge, easy to switch, again, availability of most funds from most fund houses

Who cares about the single ancient titanic fundhouse with lots of poor performance funds anymore. And seriously, 5.25% sales charge even if I do it myself on the online portal?!
AIYH
post Oct 14 2016, 10:13 AM

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QUOTE(dasecret @ Oct 14 2016, 10:08 AM)
Abang, I think you have not looked at the unit trust industry landscape for a while

Instead of choosing a single fund house, now you get the option of almost all the fund houses by going to:
1) Banks - their offering still a bit limited due to their shortlisting requirements, more foreign feeder funds
2) FA Firms/CUTA/IUTA - provided CFP advisory and portfolio construction with funds from various fund house
3) DIY via fundsupermart - cheap sales charge, easy to switch, again, availability of most funds from most fund houses

Who cares about the single ancient titanic fundhouse with lots of poor performance funds anymore. And seriously, 5.25% sales charge even if I do it myself on the online portal?!
*
Straight to the point rclxms.gif

Especially the last one laugh.gif so little discount even DIY via public mutual online mad.gif

which is one of the main reason I am hesitant to give public mutual a chance to explore what they offer, not to mention their sub par performance compare to its peers within the same period, the gap is really unjustifiable rclxub.gif

This post has been edited by AIYH: Oct 14 2016, 10:14 AM
prince_mk98
post Oct 14 2016, 08:40 PM

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What are the top best PB funds I should buy?

I have PB Growth fund only.
T231H
post Oct 14 2016, 08:56 PM

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QUOTE(prince_mk98 @ Oct 14 2016, 08:40 PM)
What are the top best PB funds I should buy?

I have PB Growth fund only.
*
TOP best in terms of what?
Returns?
if yes, based on past performance of how many years?

try use the morning star to get those data......

http://my.morningstar.com/ap/fundselect/default.aspx

on the LOACL RESPRESENTATIVE...select PM

sorry, can help you much...my best may not be your best..
activexxx
post Oct 15 2016, 08:19 PM

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QUOTE(Quang1819 @ Oct 12 2016, 06:59 PM)
Pumping in CIMB for now. Any recommendations? brows.gif

Edit : I'm still quite new to these investments though smile.gif
*
CIMB Evergreen fund? Heard from HLA agent that this fund provide annualised return of around 10%
heavensea
post Oct 15 2016, 09:57 PM

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No offence but this's one of the weakest funds.
Quang1819
post Oct 15 2016, 11:16 PM

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QUOTE(activexxx @ Oct 15 2016, 08:19 PM)
CIMB Evergreen fund? Heard from HLA agent that this fund provide annualised return of around 10%
*
Wah seriously?
10% is quite high if it's solid annually man
Quang1819
post Oct 15 2016, 11:17 PM

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QUOTE(heavensea @ Oct 15 2016, 09:57 PM)
No offence but this's one of the weakest funds.
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You mean CIMN Evergreen?
heavensea
post Oct 16 2016, 12:05 AM

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QUOTE(Quang1819 @ Oct 15 2016, 11:17 PM)
You mean CIMN Evergreen?
*

Hi sir,
maybe you can search it via fsm, details info stated there.
Don't just listen to agents, everyone need cari makan. Got me right?
heavensea
post Oct 16 2016, 12:10 AM

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QUOTE(AIYH @ Oct 14 2016, 10:13 AM)
Straight to the point  rclxms.gif

Especially the last one  laugh.gif so little discount even DIY via public mutual  online mad.gif

which is one of the main reason I am hesitant to give public mutual a chance to explore what they offer, not to mention their sub par performance compare to its peers within the same period, the gap is really unjustifiable rclxub.gif
*
such hassle and bearing risk of PM ut and receive such returns? Better I simply park in banks during fd promotion.

Yes, PM ut not the worst, but not far from that categories.

Quang1819
post Oct 16 2016, 09:31 AM

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QUOTE(heavensea @ Oct 16 2016, 12:05 AM)
Hi sir,
maybe you can search it via fsm, details info stated there.
Don't just listen to agents, everyone need cari makan. Got me right?
*
Lol of course I won't directly buy whatever mentioned here said it's best lah. Just wanna know more.

But thanks for your words! biggrin.gif

This post has been edited by Quang1819: Oct 16 2016, 09:36 AM
heaven.33
post Oct 17 2016, 02:07 PM

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When I check my statements, it always says there is no transactions...what does this mean? I have invested in Public SmallCap since early this year...
T231H
post Oct 17 2016, 02:21 PM

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QUOTE(heaven.33 @ Oct 17 2016, 02:07 PM)
When I check my statements, it always says there is no transactions...what does this mean? I have invested in Public SmallCap since early this year...
*
while you waits for responses here,
may I suggest you get the records of your purchase and contact/call up PM CS to clarify....

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