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Public Mutual Funds, version 0.0

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TC-Titan	Dec 10 2015, 07:15 PM Return to original view \| Post #1
My Life for Aiur~! Senior Member 820 posts Joined: Mar 2014	Hi Guys, I would like to ask some questions on this funds thingy as I'm not too familiar with it. Forgive me if the questions are stupid/silly. Here's my scenario. I am currently having a monthly auto-debit charge of RM300 in my PBB savings account for Public Mutual's Strategic Bond Fund. I don't touch the funds invested at all. I have previously given full authority/discretion to the Unit Trust agent to invest in other good funds (if any) when the total investment gets bigger. But for now, his decision is to remain the funds invested in the Strategic Bond fund. 1. How do I compare and assess if the current yield is reasonable versus other comparable funds out there? (e.g compare Public Mutual versus Maybank on the Bond Fund performance) Appropriate to compare using this website? https://www.imoney.my/unit-trust-investments 2. What are the odds for my fund having an erosion in its NAV? Has it ever happened before in MY? 3. Apart from reading the Weekly Market Review report and the Interim Performance reports, anything else to read-up on? Any software that shows the charts with indicators and drawing tools with regards to the historical NAV? 4. Based on the NAV amount versus cost of investment per unit, my return is 4.18%. Is this considered good or bad for a Malaysian Bond Fund (exclude comparison to FD)? Thanks!
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TC-Titan	Dec 11 2015, 12:11 PM Return to original view \| Post #2
My Life for Aiur~! Senior Member 820 posts Joined: Mar 2014	» Click to show Spoiler - click again to hide... « QUOTE(j.passing.by @ Dec 11 2015, 06:19 AM) 1. See Morningstar - http://my.morningstar.com/ap/quicktake/ret...tab=TotalReturn PSTBF - 3 Years Annualised, 3.36%. Rank 15 of 37 funds in same category. 2. Bond funds can go down just like equity funds. Good example is the NAV price the past several days. 9/12/2015 PUBLIC STRATEGIC BOND FUND PSTBF 1.0638 -0.0005 -0.05% http://www.publicmutual.com.my/application.../fundprice.aspx 3. See the performance chart - http://www.publicmutual.com.my/application...formancenw.aspx 4. See their ranking as in (1). Never, ever bother with the NAV price, how 'cheap' or 'pricey' it is do not matter. The only thing that counts is its performance growth. You have the wrong idea what is expected of a UTC when you allow the UTC full discretion on how and when to buy any UT on your behalf. The service charge is just a small fee on highlighting to you what is the most appropriate fund that would serve your requirement, and will not commensurate the UTC to offer his time and services to any further advice like a full fledged financial advisor, who will charge some percentage on the total invested amount annually. And do not mistake this AUM fee (Asset under Management) with the annual trustee and management UT fee. It is not wise of a UTC to do anything further for free, but get the blame and trouble with things go sour. In some of my previous posts in this thread, most of the basics of UT, and the 3 different age groups were highlighted; do give them a read... Bond funds may not be right for the younger investor who has a long investment objective like saving for retirement. Too conservative when he can take more risk... Thank you very much for spending time to explain and showing the relevant links! Really appreciate it! Wasn't aware of all this tools and information being available My UTC is an old guy. from what i gathered last time he does invest in US and China growth funds. But he told me he won't invest my funds into them since they are too little. He will only do something if I pump in like additional 30k to 100k funds. Honestly, I rather use those funds to invest in the stock market myself. I started this UT on July 2013. Based on the overall information you have given to me.... seems like it is performing reasonably well. Will check out your earlier post and read up more to see what other opportunities can be further capitalised on.
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