Public Mutual Funds, version 0.0
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 May 18 2015, 11:51 AM
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#1
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Senior Member
5,143 posts Joined: Jan 2015 
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QUOTE(OMG! @ May 18 2015, 11:42 AM) Yes seems like Public Mutual funds NOT in the list....can buy from maybank2u?http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal Not sure if there is any extra charges incurred.   http://www.maybank2u.com.my/mbb_info/m2u/p.../INV-Investment |
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May 18 2015, 11:58 AM
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#2
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(ehwee @ May 18 2015, 11:48 AM) is mutual fund return goods in 5 yrs as compare to property investment? i think depends..location, when did you enter, subsale or new and etc... i think it most would agreed that "most" new property is a better investment due to past 6 yrs records property prices booms...but some UTs are also good for a 5yr returns...with an annualised rate of about >20%pa. with the benefits of easy of disposing. |
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May 18 2015, 01:45 PM
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#3
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(OMG! @ May 18 2015, 01:41 PM) What is PMO access? that would be Public mutual online... |
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May 26 2015, 12:09 PM
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#4
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5,143 posts Joined: Jan 2015
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QUOTE(braindeath @ May 26 2015, 12:05 PM) Hi guys, really noob on this investment but my friend recommend me this PM as his PM investment handle by his wife Few quick question: 1) is it a secure investment? I know it is hold up by public bank but after few scam im really afraid to do another. 2) what do actually im invest on? 3) what is the average rate of dividend gain per year Tqvm and sorry for my poor english..... while waiting for responses....may try to ask your friend's wife.... btw, pls be reminded that dividend in Unit Trusts (usually called "Distributions") is NOT of the same concept of gain as dividend from shares from stock markets....have to ask "why is that?" too. This post has been edited by T231H: May 26 2015, 12:26 PM |
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May 26 2015, 12:42 PM
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#5
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(braindeath @ May 26 2015, 12:31 PM) Should include that too in my questionnaire? can try reading some links from the webs....as inside these links has many info (especially those FAQs, resources, etc)...hope it helps.Im not home, now away, only able to meet her around august... need to gain as much infor as i can But reading through the post, obviously i cant understand everything.... http://www.publicmutual.com.my/Resources/U...ustLessons.aspx http://www.fundsupermart.com.my/main/resea...l?articleNo=569 http://www.cimb-principal.com.my/ https://www.fimm.com.my/investor/ https://www.kenangainvestors.com.my/KIB/KIB...idual/Home.aspx http://www.eastspringinvestments.com.my/?r...-tree&pageid=12 https://www.eunittrust.com.my/ |
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Jun 6 2015, 10:07 AM
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#6
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(kart @ Jun 6 2015, 09:22 AM) I opt for direct debit instruction (of RM 200) on the 8th of every month. .... wow...RM 200 per month....(at 5.5%SC each entry)I guess post #24 at page #2 did and in some way illustrated the effects of SC on its returns.... |
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Jun 6 2015, 04:17 PM
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#7
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5,143 posts Joined: Jan 2015
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QUOTE(j.passing.by @ Jun 6 2015, 04:09 PM) Maybe he did read that post, and get another point which I did not mentioned for an obvious reason: the effect of the one-time service charge on the returns will pale into insignificant when the investment period is in the longer term of several decades and beyond.  BTW there is a slightly lower charge in DDI - 5.0% if not mistaken. And DDI will ease the pain... compare to a lump sum and bigger purchase, say several thousands or tens of thousands at one time. Better to begin young and slow, then begin to invest when older with a larger sum of savings. RM10 not so painful than paying RM1000. if he has several decades and beyond timeframe...would not it better to have funds that has no SC or much reduced SC? But anyway...it is up to each individual....no right or wrong, I guess....This post has been edited by T231H: Jun 6 2015, 04:19 PM |
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Jun 6 2015, 04:50 PM
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#8
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5,143 posts Joined: Jan 2015
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QUOTE(j.passing.by @ Jun 6 2015, 04:36 PM) No sc or low sc or high sc... all reduced significantly as time goes by. So the one time charge can become a minor issue in selecting the fund. High SC will need longer times to recovers.....worst if he did not stop investing....to allows the SC to dilute.... if he continued to invest...the new SC is always "fresh" thus unable to dilute fast enough on the sc that had been recently charged. Better to look into what funds, its returns and which fund company to have; as in the longer term, how established is the fund and fund company becomes a major consideration. also need to consider the investor risk appetite. So far as I know, the closed funds in PM is just closed to fresh investments. But there are funds in the market that are closed as in closed shop and money return to the investor. Yes..that is true...encountered that before....did not have a chance to "invest for longer terms"...  When I already old and fully retired, I will not welcome the money and start the investment all over again. Yes,...good thinking.....but for me....I guess I would periodically take some out to enjoy my surroundings (modestly of course)  |
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Jun 6 2015, 10:30 PM
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#9
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(kart @ Jun 6 2015, 10:02 PM) Thanks for offering your advice. Could you suggest several funds that can perform as good as, or better than Public Mutual funds? What I have now is PDSF, PRSF and PIOF. what is your expected ROI (xirr) of your investment?how long have you been holding them? has the performance of your funds up to your expectation? has you asked your UTC about your concerns? there are funds that can be good but may not be suitable to your likings or suits your risk appetite. ex...Public Asia Ittikal Fund, Public Far East Dividend fund, Public Far east select fund, Public Islamic Asia Dividend fund.... these are some of the (what I think are currently good performing funds from Public Mutual)....there are more funds out there not from Public Mutual....go seek them out... example,...here is a blog that are full of interesting info..... http://invest-made-easy.blogspot.com/ a note of caution....don't just seek for "Best" returns, have a thought about its risk returns ratio and your risk appetite too.....  This post has been edited by T231H: Jun 6 2015, 10:39 PM |
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Jun 9 2015, 06:19 PM
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#10
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(audy @ Jun 9 2015, 05:34 PM) My question - does the % of return for my funds look healthy given the number of years of investment (9 years) or could it have been better? can try using CAGR calculator to determine....example online CAGR Calculator http://www.investopedia.com/calculator/cagr.aspx |
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Jun 25 2015, 06:12 PM
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#11
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5,143 posts Joined: Jan 2015
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QUOTE(luvjiajia @ Jun 25 2015, 05:05 PM) Dear all, this is my first post here in this topic. I am 25 yo and get to know into public mutual from my father which is UTC agent and I started my first investment 2 months ago of RM1000 into public money market fund (PMMF) and auto debit RM100 every month which he recommend for long term saving. Now the question is, when I review the PMMF portfolio, i found that the distribution yield is really little at 3% (2014) which FD has higher return than this. As I also understand the risk for this fund is the lowest, but I can tolerate higher risk higher return fund, should I switch to another fund? If yes, what kind of fund you guys recommend? Thanks don't you think it is better to ask him?after all he should know what is best for you....unless..... |
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Jun 25 2015, 06:40 PM
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#12
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(luvjiajia @ Jun 25 2015, 06:25 PM) Well to be frank.. I been getting not much information from him as he is doing this for his part time only. That's why i have to do some research on my own as i wanna start up some investment saving while i am young and not much of financial burden. Then i came up to this forum which i been follow a lot lately, but some of the technical term i found here is quite hard to digest Unknown to your investment goal, risk appetite, financial backup.....and many more....I can only suggest/recommend as I am not qualify to "advise".... Anyway back to the question, what do you guys think about this PMMF? What kind of fund is suitable for me at this stage of age?try this if you want.... from lesson 8 Why isn't one investment plan right for everyone? Before investing, decide what you want your investments to do. Investing is simply using money to make more money. Investment monies are not meant to be used for daily living essentials. ................. http://www.publicmutual.com.my/Resources/U...ns/Lesson8.aspx LESSON 7 How To Select Unit Trust Funds? http://www.publicmutual.com.my/Resources/U...ns/Lesson7.aspx try this for more? http://www.publicmutual.com.my/Resources/U...ustLessons.aspx https://www.fimm.com.my/investor/abc-of-uni...ng-unit-trusts/ some portfolio set up samples.... https://www.eunittrust.com.my/pdf/fundview/...us_June2015.pdf https://www.fundsupermart.com.my/main/inves...ntportfolio.tpl This post has been edited by T231H: Jun 25 2015, 06:44 PM |
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Jul 17 2015, 01:33 PM
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#13
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(Quinn @ Jul 17 2015, 01:18 PM) I want to seek advise, if I can consistently do DDI monthly and will invest more than 10 years, which fund will give better return? while waiting for more value added responses.1. Public regular savings fund, has consistent dividend. 2. Public strategic small cap fund, new index fund and has potentially upside growth. Need your 2 cent advise. Will consistent dividend or potential upside growth give better return? I think it is good to have a look at page 2, post 24 also, it is also good to google for the differences between dividend in stock vs dividend distribution in Unit trusts.....(a lot of different) also it is good to be caution and do your own due diligent because that at times some part of this as in page 2, post 40 can happens https://forum.lowyat.net/topic/3650451/+20 This post has been edited by T231H: Jul 17 2015, 01:45 PM |
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Aug 2 2015, 10:19 PM
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#14
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(infested_ysy @ Aug 2 2015, 09:32 PM) How does Public Mutual fund work? A guy at work wants me to get in on it, but I'm not sure. while waiting for more value added responses...If I put in say 10k into a mutual fund account, the bank will buy some shares in certain industries for me, and hopefully the price per share will go up after a few years/10 years? What then? How do I sell the shares I have? Can I just go to the bank and say "hey I don't want my account anymore, please give me all my money", and I'll get the all the money + the interests I've earned right away? try read this to have an idea.....hope it helps... http://www.publicmutual.com.my/Resources/U...ns/Lesson1.aspx http://www.publicmutual.com.my/Resources/U...ustLessons.aspx regarding this..." and I'll get the all the money + the interests I've earned right away?" well, there is a possibility of losing all or part of it too.....  yes, you can sell/redeem them right away...but the monies will come within a few working days... unlike ATM machine...can draw money on the spot. This post has been edited by T231H: Aug 2 2015, 10:22 PM |
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Aug 13 2015, 02:03 PM
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#15
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(tripleA+ @ Aug 13 2015, 01:29 PM) I printed my epf stmt recently n it showed amt deducted pmt to public mutual fund in yr 2003..I visited their office there is no record in their system of my investnent!My money just dissapear thru thin air?..Anyone can enlighten?  this involves your monies, EPF and PM...best is that you contact their customer services directly to get a clear resolve... |
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Aug 27 2015, 01:08 PM
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#16
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(bcteh @ Aug 27 2015, 12:57 PM) No.. this is PB Mutual Fund trade. Im talking about my investment withdrawed from EPF. interested in this too, as posted by MUM..."can you share your agent reasoning for that?" |
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Aug 27 2015, 03:09 PM
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#17
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5,143 posts Joined: Jan 2015
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QUOTE(bcteh @ Aug 27 2015, 01:58 PM) I think my agent's reasoning is similar to Warren Buffet's technique of investing. If market is bear, Warren Buffet seldom sell, instead he will buy more. Correct me if I'm wrong. if one were to believe this "that my funds will have more value even market crash"he/she no need to wait-lor... |
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Aug 27 2015, 11:40 PM
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#18
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(bcteh @ Aug 27 2015, 10:54 PM) My agent is talking about long term 10 yrs to 20 yrs because my money is from EPF. If long term...she could be right. But I just want to take advantage to gain more money in short term.  good choice....also wondering how many EPF approved PM funds can constantly beat EPF rate of the past 8 ~ 10 years or so...? is the agent selection in there? |
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Aug 28 2015, 10:40 AM
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#19
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(wil-i-am @ Aug 28 2015, 09:55 AM) Did u compile a list to compare the performance? FSM did have a list published...but it does not have PM funds inside that list...and nope...i did not compile the list to compare the performance. |
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Aug 28 2015, 04:30 PM
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#20
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Senior Member
5,143 posts Joined: Jan 2015
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QUOTE(j.passing.by @ Aug 28 2015, 01:04 PM) Equity Funds with 10-yr growth rate beating EPF: All of them. "Constantly". This is a tough requirement to meet, and in a way misguided. There will be up years and down years... this is the reason to have diversity of funds in a portfolio. Thanks for the confirmation... |
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