is mutual fund return goods in 5 yrs as compare to property investment?
Public Mutual Funds, version 0.0
Public Mutual Funds, version 0.0
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May 18 2015, 11:48 AM
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#1
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Junior Member
790 posts Joined: Sep 2013 From: Selangor |
is mutual fund return goods in 5 yrs as compare to property investment?
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May 18 2015, 11:53 AM
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#2
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Junior Member
790 posts Joined: Sep 2013 From: Selangor |
QUOTE(OMG! @ May 18 2015, 11:42 AM) Yes on the Maybank link you provided, public mutual fund is not under their fund list...http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal Not sure if there is any extra charges incurred. |
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Jan 9 2017, 02:22 PM
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#3
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Junior Member
790 posts Joined: Sep 2013 From: Selangor |
Hi glad if I can get help from here, I plan to sale off all my public mutual funds that I bought from a public fund manager , but I cannot get hold of him now, what should I do?
Can I report to public mutual and go to public bank or public mutual head office to sale off these funds myself without going thru the fund manager Thanks for the help |
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Jan 11 2017, 05:37 PM
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#4
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(AIYH @ Jan 11 2017, 02:50 PM) Now is a good time to buy, but not necessary from PM Thanks for the great guides, @AIYH do you mind to share your thought on smallcap fund either public or eastspring, these fund is it consider high risks if we consider mid term investment like 3-5 yrs from now?To give you an idea, compare top 7 MY funds from PM vs top 7 MY funds in Malaysia |
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Jan 17 2017, 03:55 PM
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#5
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790 posts Joined: Sep 2013 From: Selangor |
changing agent is a headache cause as I knew from Public Mutual Officer, we need to write an office letter stated the reason we want to change agent with our own signature and preferably with signature of old and new agents also.......
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Jan 17 2017, 06:57 PM
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#6
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(Avangelice @ Jan 17 2017, 04:14 PM) true, so I tend to ask for my "cool"agent thoughts on various funds, market strategy from time to time, just to get "3rd party thoughts", not necessary will follow his opinioin may be our fund amount is too small for agents to actively give consultation to us, but we have the right to ask them |
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Jan 17 2017, 08:31 PM
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#7
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(Avangelice @ Jan 17 2017, 07:08 PM) my mom lost 30k in public mutual when the agent go sai lang into China before the great short circuit of 2016. sometimes giving advise can be a double edged sword. WAa, agent who ever said go sai lang into single fund must b kick out from our door way, some more 30k that said I get more information from the fsm lowyat guys rather than pay someone to guide me. Feel sorry for your mum |
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Jan 18 2017, 04:48 PM
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#8
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(frankzane @ Jan 18 2017, 01:32 PM) But what I heard from the officer in PM HQ is first we need to identify our new agent first, then write in stating why we want to change. Never mentioned on the signature though.... they told me the signature of both new and old agents on our written letter is better so they know both agents is awared on this and will make the process of agent changing quicker...I has invested in PM awhile now only discover about FSM with much lower charge, planning to invest into FSM now just since oledi pay PM the SC oledi, currently some PM funds is moving upwards, so will remain some PM funds for now This post has been edited by ehwee: Jan 18 2017, 11:12 PM |
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Jan 18 2017, 11:09 PM
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#9
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(contestchris @ Jan 18 2017, 10:55 PM) Why need agent? You can't buy/sell yourself online (via Public online or whatever they have)? If so, that's disappointing. I thought PB will allow only self-management. That's the main point, I am also disappointed that we can actually do all transactions diy on PMO, so why we still being forced to have a agent, especially agent who don't need to do anything yet can have some commission every time we buy, top up any funds....... Loudsy PM This post has been edited by ehwee: Jan 18 2017, 11:11 PM |
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Feb 9 2017, 06:55 PM
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#10
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790 posts Joined: Sep 2013 From: Selangor |
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Feb 10 2017, 06:26 PM
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#11
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790 posts Joined: Sep 2013 From: Selangor |
I think not all PM funds is bad performing, far east alpha-30, tactical allocation fund, etc is doing quite ok comparable to other fund managers' performance
Any great PM funds do you guys recommend currently, glad someone can share? |
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Aug 15 2017, 03:35 PM
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#12
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(mnt_lim @ Aug 15 2017, 03:16 PM) i m totally newbie, no idea how to do it myself n dunno what to do now n then, so just throw 5k since 2007 and today after 10years only 10k. should i take out n invest in others? 10 years double your return, if without doing dca means you have a accumulate compound gains interest of 7% per year, is better than epf or asn in fact.....of course, you can opt for fundsupermart ( less sc ) or stock( riskier ) for better gains |
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Aug 15 2017, 03:44 PM
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#13
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(mnt_lim @ Aug 15 2017, 03:41 PM) what is dca??? dca means dollar cost average or another words you put in additional investment top up regularly on monthly basisthinking of invest in new PB fund, but hold back due to the 5.5% sale charges. back in the days, when invest 5k, they even give 10% free unit with no sale charges. any advice? |
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Sep 6 2017, 11:22 AM
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#14
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790 posts Joined: Sep 2013 From: Selangor |
Hi I know we can register PMO and sell or buy fund ourselves online
Yet anyone know if we don't have PMO registration, can we go direct to public mutual branch to sell off our current fund holding without our fund consultant involve? As I ask my PM consultant and he seems doesn't bother to answer me This post has been edited by ehwee: Sep 6 2017, 05:48 PM |
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Sep 6 2017, 05:55 PM
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#15
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(j.passing.by @ Sep 6 2017, 04:33 PM) Yes, you can. But it you are at the branch office, might as well do also the PMO registrationl; unless of course you are dumping PM for good... Thanks j.passing.by I have PMO myself, just helping my aunt to ask around as she plan to sell all due to unresponsive service from her PM consultantif there a way to made report to PM office so they will get rids of those bad PM consultants to save themselves? This post has been edited by ehwee: Sep 6 2017, 05:55 PM |
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Sep 27 2017, 07:12 PM
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#16
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790 posts Joined: Sep 2013 From: Selangor |
byeworld can you explain clear what you meant by" about the same " phone number ?
better you call for help to your agent or PM office I suggest This post has been edited by ehwee: Sep 27 2017, 07:23 PM |
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Sep 27 2017, 07:22 PM
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#17
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790 posts Joined: Sep 2013 From: Selangor |
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Oct 5 2017, 06:40 PM
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#18
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790 posts Joined: Sep 2013 From: Selangor |
QUOTE(j.passing.by @ Oct 5 2017, 04:09 PM) Investments into UT funds are usually for the long term. Most would find it not worthwhile in the shorter term as it is a roll of the dice to get the timing right to enter and exit. More so when the invested money is out of EPF. just curious since when public mutual has 3% service charge, i thought is 5.5 normally?The money out of EPF has an opportunity cost to it. You are forgoing its stable returns which have hardly any investment risk. If you think the related markets are at their peak and would like to take some of the funds off the table, then it would be better to switch instead of selling. In switching, it might cost you a switching fee. (Which is RM25 in Public Mutual.) While there is no exit fee, if you choose to re-enter again, it will cost you another round of service charges. (Which is 3% plus GST in Public Mutual.) The only instance when there is no difference btw switching or selling is when there is no switching fee and zero service charge. If you can't think of any better equity fund to switch into, then switch into either a bond fund or a money-market fund. I would prefer a money-market fund; as there is no switching fee if I have held the equity fund for more than 90 days. Hence it would only cost me a one-time fee when I switch out of the money-market fund later back to the same or another equity fund. With a bond fund, the switching fee will be incurred twice. Since the aim of "switching" some money out of EPF - which is also an unit trust fund itself - is for higher returns than what you can get in EPF, having the money in bond and money-market funds for too long will defeat this objective of getting higher returns and it will be an opportunity cost instead. So don't park the money in the bond or money-market funds too long. |
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Jan 23 2018, 01:29 PM
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#19
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QUOTE(Kaka23 @ Jan 23 2018, 07:10 AM) when you apply for PMO first time, you will have to fill in the bank account information on the application formso every sell transaction you made in PMO later, they will direct bank in to the bank account you writen. It will get around 4-5 working days for transfer the money into your selected bank. |
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Jan 30 2018, 11:53 AM
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#20
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790 posts Joined: Sep 2013 From: Selangor |
Hey guys, just realize there are some e- series funds we can buy on PMO with lower SC of 3.75%
this one call Public e- flexi allocation fund, is a mix asset fund, so far from it launching day up to now, around six months periods got return of 4.64% What do you guys think? although the SC still consider higher than what FSM is offer...... I do found my Public funds has less volatile compare to its counterpart funds at FSM, although less return also comparably, ha This post has been edited by ehwee: Jan 30 2018, 11:53 AM Attached thumbnail(s) |
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