while waiting for experienced sifus responses,
my wild guess is....
you apply to sell on 16/3 (Saturday)
depending on the fund itself, the actual sell may just trigger on Monday. (18/3)
the Nav of Monday will only be known most probably on Tuesday 19/3
the fund house can just do the transaction based on the known Monday's Nav

Thats why you need to

3) Important to rebalance every year.

Every time your equity fund goes above a certain percentage that you plan. Then sell part of your equity UT to the % that was planned and invest that amount into safer options such as bond funds and FD. You do this vice versa also when UT equity drops and then sell part of your safe investments and then buy the more risky assets. Thus, you follow the saying buy low and sell high.

One also rebalances due to changes in our lives and as we age closer to retirement. As we get closer to retirement. We want to increase X% and reduce Y%.
Number 1, 3 and X% in safe investments are meant to protect our risky investments. One only invest in Y% of risky investments when one can afford to hold until a better situation.

Keyword: TP- take the god damn profit. And bond/fixed income portion comes into the play which provide you income and cushion when you need to take out the cash during red market.

Yeah i lost the same amount too.
I feel like want to transfer back to epf.

For those using PMO, a few questions.
where to download fund perspectus for a particular fund?
How do you sort fund by performance and view it for 3, 5 and 10 years?

Thank you.

Thank you. Yes I do have other equity fund, even Manulife as mentioned in your pic. This Public U.S equity is just a small portion.
The DDA is actually for another fund, it's just that seeing my 5% bleed every months feels like a lot of money wasted in the long term. Also I just found out DDA cannot cancel online, must go to PM branch and fill form which to me is unacceptable. Come on, PMO should implement their service better and not half-baked like this.

Public Bond Fund 1 year return is 7.46%. That already beats most equity funds' performance in the past 1 year.

Beg to differ. Why still wanna become full-flegded agent who is tied to one principal when in the CUTA rep can have access to multiple fundhouse instead of one fundhouse?

The reason why epf launched this is to slowly eliminate tied agent, eventually, it is fsm who wins as they are the one who developed the epf e-mis for epf. Not only that, there r other moves that they hasn't play yet. Stay tune for the next update probably by end of this year.

Just for the record...

The daily increment for some bonds funds yesterday was extraodinary high. While mm funds are about 0.01% daily (which would be about 3.65% annualised), the bond funds were about 3 times higher in the past 12 months, around 0.03% to 0.04% daily.

Yesterday's daily increments were akin to equity funds...

PB AIMAN SUKUK FUND 0.53%
PB SUKUK FUND 0.26%
PB INFRASTRUCTURE BOND FUND 0.39%

PUBLIC ISLAMIC BOND FUND 0.38%
PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND 0.43%
PUBLIC SUKUK FUND 0.37%

(Note: PB Aiman Sukuk is closed to new investments.)

My in law want to support his relative, and instend buy ut for my child. So I no idea which public fund to go. Prob is the relative still new. My in law plan is just monthly rm200 for maybe 5 years.
So any sifu suggestion.

So any product recomend for bond, money market or equity. The amount investniw not big, monthly purcha se aroudn 200 for maybe 10 years.

Sorry, mine is the EPF scheme. I have been putting money into PM from my EPF for the past 7 years, So now i have around 74k, and it shows Total Returns : -RM6454

Haha a lot agent say buy now lower price

That's what my agent told me. He said should keep pumping money in PM or else the negative will be more.

so.. the CONsultan said to dig the hole deeper, thus it would not be bigger?
cool logic

momma told me to stop digging if i wanted to get out of a hole..
and climb out to look around for better pursuits - and maybe, cover the dang hole if nothing better to do. 

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

ic, hmm but since every month also subject to 5.5% interest charge, still can earn ? since market is not so good based on news xD

reply in purple xD

the stated allocation and the holdings like DBS and Singapore allocation is NOT fixed and can be changed by the Fund Manager without notice.

you need to callup the agent to confirm the no monthly sales charges of 5.5%,...preferably thru whats app or email...so that got recorded communication.
according to the product highlight sheet...there is a sales charge of each purchase.

not sure if can still earn after the 5.5% sales charge...
but if 1 time sales charge if amortise it to 20 yrs, then very little percents only.
but if 5.5% each month on each top up of RM100....... :confused: 

Things are looking bright this year, most of the equity funds are giving good YTD returns so far... and as usual when things are going well, a new fund is being launched by Public Mutual. 

Capitalise on Public e-Flexi Allocation Fund for higher potential growth:

   - Only RM100 to start the investment.
   - Up to 98% in equity or fixed income securities.
   - Up to 30% in foreign markets.
   - Up to 3.75% sales charge.
   - Initial Issue Price: RM0.25 per unit during Offer Period (14 July to 3 August 2017).
   - Invest via Public Mutual Online

Comments:
- This is a active allocation fund which can swings from totally from equity to fixed income securities... the other permanent 2% of the fund is in liquid assets.

- This is the only fund in Public Mutual that has redemption charges. If it is redeem within 2 years, there is a 2% charge.

- It is mainly a local fund investing into the local Bursa, and it is allowed to invest up to 30% into foreign equities.

- As stated above (in blue), it has a lower sales charge than usual as it is via its online service.

=================



Cheers.

put in Jan 100, next 12 months Jan
Put in Feb, next 12 month Feb
so on so on

since TS mentioned 20 yrs, thus if he is 35 now, then self contributing to EPF is a better option
a simple and approximate calculation only....
if put in each month RM 100 @ 6% EPF rate = RM 106 after 12 months
if put in each month RM100 @ - 5.5% SC, his actual investment value is RM100 - RM 5.50 = RM 94.50
this RM 94.50 each month MUST make 12.2% in the next 12 months to make same as EPF.
(94.50 x 12.2% = RM 106.03)
each month, each top up of RM100 must make 12.2% in the next 12 month

with this 12.2% ROI to beat each month, i think going for FD is even better than that UT thing

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

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 can see your money grow daily. Ya, got risk too. Once a week you will see your money shrink.