Someone shared with me say pm got a product something like a flexi fd, no fees and all. Comes with guaranteed interest and can withdraw anytime without fees. When ask about product name, he no share

Guaranteed interest ??:confused:
if yes guaranteed without any specific value...then there is....
but if want to have a guaranteed returns rate like FD (FD returns are made known before buying) .....then  ...even the money market funds are subjected to associated risk as specified in page 114
https://www.publicmutual.com.my/LinkClick.a...A%3d&portalid=0

Please share the name of this unit trust fund.....

Public ecash deposit. Return roughly 3.4% p.a. based on past performance. 0% sales charge.

*I am not agent, but I am using this. The fund I trust most at PMO.

How these funds gives out interest into the account daily basis?

These funds has better risk rating than fd?
How much better returns these funds gives OVER the fd to justify those extra risk?....   

You will see the nav increase most of the days . So far didn't aware the money shrink for this ecash deposit. Did aware it remains 0.0000 unchange for few days in a month. Most of the days it increase by 0.0001 per day.
Risk compare with fd, No Pidm for money market fund.

I do aware that money shrink from bond funds.

No. It was not payday. Fund nav drops. Public Islamic infrastructure bond fund financial year end at 30 Nov.
Below is the data provided by blomberg. 3 months return -0.4% (excluding sale charge) .

I'm wondering why people still buy PM when they impose high sales charges when you can get better performing funds at lower sales charge. I dunno though just starting to buy UT because of PRS. Regret put my first PRS investment in PM now everytime want to top up think about the sales charge 3% when FSM 0%.