Not worth it. Your fund need to perform >9% to even the SC. If it earn only 7%, you are getting effectively only 2% return
Nama la. You ask anyone, peoole sure heard of public mutual. Try asking fund supermart abd see, you will get blank look. Then combine that with presentation skills of agents quoting 6-11% p.a without any source.

Agreed, dasecret is exceptional. We would be so much better off if we took a page out of her book. Others would do well to listen when she speaks.
To each their own, whether paying more through an agent, or doing your own homework with an online platform. You get what you give.

You can service your car yourself, or you can send it to a mechanic. Both feasible options,but results may vary.

That statement is only true if you don't intend to topup anymore. Buy once and that is it. If you topup every month/year, those 5% will decrease your returns.

I totally get what you are trying to say. Now, since sales charge is not necessarily that important in the long run, lets talk returns.

So I went to Morningstar to pick up 5 years fund returns; took the highest ones
[attachmentid=6821197]

Now, let's contrast this with funds distributed in FSM
[attachmentid=6821227]

Do I need to say another word? 

Thought I would.... Now, this is the 10 year highest returns funds. You can clearly see how the returns deteriorated over the years.
[attachmentid=6821275]

How to not lose faith in Public Mutual la

er.. logic check:
1. Is it easier & higher probability to achieve break-even or profits if cost is controlled/lowered?

2. If good returns, say a rolling 10 year-period, is not the final pick, then pick what?
Volatility cannot be ascertained FOR SURE or do U or "we" in your case, have a working crystal ball?
Even "Asset Allocation" and the FFecifient frontier theory kaboomed during 2008 (all down at one time) - gold, shares, bonds, properties - thus, how ar?

3. DCA, Lump Sum, VCA - which is the best and for what ar? why ar?

just thinking outloud - do share / discuss if there are good possibilities, not marketing fluff pls

What is your opinion on this scenario...Total NAV - RM124K (combo of 8 portfolio ranging from 6%-60% return over a course of 8 years). Total Return to date is RM40k, down from RM46k in Dec. 

Is this consider reasonably ok or should I consider putting a plug on PM and let the $ stay in EPF, considering that there was no new top up since 2014? Please advise.  My agent as usual tells me unit trust is for the long term.

If diy like FSM, got discount for PM funds?
From what i understand, and read, it seems if buy via UTC, the cost is 5.5%? That is high, but if diy via PM online portal, does the cost become 2%?

Hi PM sifus

hope you guys can shed some lights here... i've had the following funds invested using EPF thru an agent for the past 4-5 years... but they have been hovering between losses and slight gains of 0.46% only.

PITSEQ 21%
PISSF 16%
PIEF        16%
PISEF 16%
PIOGF 10%
PIDF        11%
PEBF        5%
PISTBF 5%
can anyone recommend which i should ditch and which i should keep or add instead ?
i've been thinking if i should just ditch everything and move the money back into my EPF since EPF can do better

he did mentioned " for the past 4-5 years"

Those are the fund allocation percentage in his portfolio

RM 24.5k grown to RM 31k in 30mths period (two and half year) is 9.45% p.a. CAGR.

Congratulations! You have beaten KWSP & ASX!

if initial cash upfront is RM32,218.48 AND NOW only value RM30,969.52 as from 22/09/2016
somemore 7 to 8 years lagi....

Losing right?

Which PM fund is this?

How important is Income Distribution:

1. Nil, if the distribution option is set to 're-invest'. It only has some meaning to investors who set it 'payout' and these investors would be in the retired, passive group who is depending on the distribution income as a source of income.

2. Not really that important, but investors still need to update their units held and add in the extra distributed units. (There was a past story of an investor who complaint that his fund was not doing well... as he was still using his initial units bought years ago and multiply that with the current NAV price.  )

3. Good for marketing reasons... PM does the income distribution like clockwork, no surprises, always on the last trading day of the month, and the press release always end with the last sentence stating the total fund size being managed by them.

It is also good marketing to conveniently not state that there are at least 5 funds (with same financial year-end) not giving income distributions. 

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

okay, it is important to those who still think that the extra distributed units adds 'value' to the the fund. 

do you mean, if I got 100 units of distribution valued at RM30 added to my existing fund.....if I were to switch to another EQ fund in less than 90 days after distribution......I got to pay RM50?

As for the distributed units, they are considered as over 90 days. It would be counted as 2 separate transactions only when the fund is held not more than 90 days.

For example, you bought or switching to an equity fund last month, distribution income is this week, and switch all units next week to another fund, then it will be counted as 2 switching transactions - eventhough you make only one switching request.

If you had held the fund more than 90 days, it will be lumped together as one transaction - and one fee only.

Yes, it is important to keep track of the distributed units and not lump them with units held less than 90 days...

public mutual should keep up with the trend if they wish to survive longer, at this internet age they still cannot accept online transfer but only to pay by cheque is real primitive, their pmo website if compare to FSM feel like child play.  Buck up.

Hi sifus.. its a very noob question.. Is it a good choice if i invest in PM using my EPF. I am 32 yrs old and have excess of 80k (from EPF basic acc1 limit). My monthly EPF contribution is about 3k (me+employer). Is it a good choice if i start with 10k and DCA 5k (every 3months) for 10yrs period? As a starter. I dont want to risk losing my already accumulated EPF and my risk tolerance is also very low.

My main idea is to explore the Mutual Fund, and I think to invest using cash that I put aside. But when i met PM agent, she told me that it is better to invest using EPF and in long run with constant DCA, sure will not losing money and will give better return. That is why I am in dilemma wthether to
1) Use EPF or cash as start
2) Is the agent telling me the right things?
3) Is my plan is OK - (if use cash, I have 20k (and my plan is 2k initial, monthly DCA 300 for 5yrs) which I am OK to lose and at the same I will learn about mutual fund.
4) I have also offered by my friend who is an agent of Philips Mutual. Therefore, Where is the best place to start (PubMut, or PhilMut).

I already have ASB1 and ASB2 account with total saving 400k (from some ASB loan & cash). I have made a plan years back to maximize my ASB then only try Mutual Fund, in search of slighty higher risk and return.

Thank you so much for your kind reply. May god repay ur kindness with great success..