I'm holding 4 bond funds:
Public Sukuk and PB Sukuk
Public Islamic Infrastructure and PB Infrastructure.

All giving similar returns... the infrastructure bond funds slightly better.

Yes. The nav reflected is value after deduct annual management fee, trustee fee. Sales charge is not deducted. You need to consider less 5.5%earning for equity funds, less 1% earning for bond funds.

Yes, all the yearly fees and operational cost of the fund are included into the daily price.

The returns are the difference of its value in each calendar year. This is the fund's returns.

For the investor, we need to take into account the initial service charge paid.

The sales charge or service charge is only one time.

If you hold the fund several years, you 'amortized' it over several years.

Any one would do, as it is for verification.

Within PMO, you will see all the funds and their account numbers, and the total value of your portfolio of funds.

I think can do without going thru agent with PMO,....
but I am not sure if you can save the Sales charges even without going thru the agent.

PMO has been upgraded since 1 or 2 years ago.

It now shows the allocation of the portfolio in a pie chart, showing the proportions of equity, bond, and money-market/income funds.

The Fund Analytics tab has more info on all funds. In its fund performance chart, several funds can be selected for comparison.
If not mistaken, purchases via PMO have slightly lower service charge... very, very slightly... 5.25% for equity funds and 0.75% for bond funds.

The alternate method to get lower service charge is using EPF i-invest, if you have excess money in account 1... the service charge is 0.5% for equity funds.

Each time you buy new fund, you can select your agent in PMO. However if you select none then the 5.25% sales commission will not go to your agent. So you can decide whether or not to let your agent earn, or for some ppl maybe they get back part of the sales charges from the agent.

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Passed a significant milestone in 2016, lost it in 2018, and regained it last year. Maybe I was becoming wiser over the years, or becoming less greedy for more, the portfolio was slowly switched to nearly 100% bond funds by the end of December, 2019.

At the moment, equity is 3% of the portfolio.

So, had I foreseen this massive market sell-off happening now?

No, lah. The asset allocation was accordingly to my internal financial plan and nothing to do with external market noise. The journey is at the last stage, and the re-balancing was done as planned.

Cheers.


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In my opinion just put into 1 bond fund, only when there is opportunity then take about 30% to grow it. Bond will have negative yield after a long term when market turn to opportunity due to inside the demand and supply in market. But average up still stay around  Close to 5% plus a little bit.