I have been a Public Mutual agent for years, then I Quit. There is a point where it is sucks to sell something that you can't control . One of the fund PISSF, didnt declare dividend in 2016. That is a sign for me to shy away.

Market have drop tremendously since end of 2014. Not just PISSF, many funds does not perform as good as before. Many of my client, I do advice them to put their money elsewhere. But if they still want to wait (5 -10 years), it is up to them. You can check yourself the performance of PISSF in Bloomberg.



PIDF and PITSEQ still OK, but many opt for Asia fund. I just don't want the same case as Ittikal China happened again, until now, many people haven't recovered their capital since first invest. But whoever did re invest during down time, surely make some money.

PISGIF still not making money since first inception.

Look, I am not saying that Unit Trust is bad per se. But if possible I want to gain the customer's trust, and it is not my money, it's theirs. I can't be playing around when the economy is bad and then I go and say, this is the best time to invest.

Yes the price is damn cheap, but when do you think they will make money? 5-10 years? I mean that is waaayy to long. I may not have the talent to twist my word to say bad thing as good thing.

There will be at some point that you will meet a client who is well verse in the market than the agent. That's when you learn a lot. You can try to check Public Mutual performance in Morning Star, Public Mutual fund is hardly on top 10.

Marketing and Facts is different.