Give more details, and will try to check why their performance were so bad... 

What additional details do I need? Well, further details would clarify why you think they are bad funds, since looking at their performance charts since 2011, shows a different story than you claimed.

Maybe replace PBGF with PB Islamic Equity Fund; or maybe read my previous post on the need to amortise the high service charge; or maybe read the recent post on selection of fund using the top-down approach and review the whole investment again whether the selected company is suitable to your needs.

The PB funds offered by Public Bank is not as wide as those offered by Public Mutual. One can't walk into a Proton showroom and expect the salesman to offer better selection of cars not within the showroom... capish?

I don't have to look into the links - as I know they are wrong. 
These type of sites simply achived the NAV prices; and never adjust the prices after each income distributions.

See the performance chart from the official PM site: http://www.publicmutual.com.my/application...formancenw.aspx

Signed for the online service and checked the current value of your purchases...

Cheers.

tis month really bad for world markets but last few days kinda good rally because of china rate cut 

Calm down...

Are you referring to the correct data? I don't recalled any funds with 300% growth in 4 years...

Look, we still don't know what's your problem and what you expect from your investment. 

You first come here looking for better funds after claiming the funds you have are 'really bad'. This is like saying a new car just bought is a lemon and giving a bumpy ride. So you ask opinions for cars with more comfort. No matter which car you going to test drive will not resolve the bumpy ride, when it is actually the roads that are uneven and full of potholes that is giving the bumpy ride.

1. Do you know what is the current value of your funds, apart from the account statement, which I think was not really up-to-date.

2. Do you know how many units you currently have? You can do a quick calculation:
Number of Units x NAV price = Current Value.

3. Do you know where to look up the price list? Here is the link: http://www.publicmutual.com.my/application.../fundprice.aspx

J.passing.by is partially correct. A CFP holder still cannot call himself a licensed financial planner yet. CFP is just the academic qualification and he still need to apply to Security Commission Malaysia to get the Capital Market Services Representative License (CMSRL) in Financial Planning before he can put the title " Licensed Financial Planner (LFP) on his business card. The License number goes something like this "CMSRL/AXXXX/2015" where the alphabet is the first alphabet of his name, followed by four digit registration number followed by year he is licensed.

To be licensed he must satisfy some criteria such as not be a bankrupt, no criminal conviction in past five years, have at least three years working experience as a UTC, Insurance agent or bank wealth advisors. He must also relinquish all his position as UTC, insurance agent or bank position as he must not be seen as an agent, but completely an independent person free from any agency.

Xuzen

The DIY Investor

First, selamat hari merdeka!

After reading recent posts in this forum, I somehow got a general feeling that some folks who were purchasing unit trusts does not really know what they were up to - just like me last time!

Buy some funds, and becomes an instant investor. The fund manager will take care of everything. The UTC or fund agent will give advice from time to time. Everything will be fine and perfect. Can relax and wait for the money to roll in. Right?

Well, not quite. What they failed to understand is that they have become DIY investors. DIY is Do-It-Yourself. As in any DIY projects, it is hands on.

The fund manager is not managing your money. You have only bought into a scheme that pools money together to buy a range of stocks. And you are just one of the many customers of the unit trust.

The CEOs of the underlying stocks are running the operation of the companies. And likewise, the fund manager is running the daily operation of the unit trust.

The UTC is not giving you any advice on how to manage your money. Their job is to market the unit trusts, introduce what UT is available in the market or in the fund company they represent, and help you to select the appropriate UT.

So who is monitoring the progress of the UT purchased? Not the fund manager and not the UTC.

So the ‘investor’ can relax and be hands-off? When the progress of his investment was not up to his expectations, nobody can be blamed apart from himself.

Another common misunderstanding is that UTCs are often mistaken to be financial advisers/planners. Financial advisers/planners in the unit trust industry are certified and licensed professional, like those people who called themselves accountants or lawyers.

No doubt UTCs are also certified (by FIMM) and licensed (by the fund company to sale the company’s UTs), they are not same as a CFP (registered with FPAM). (To know more about FPAM: http://fpam.org.my/fpam/ )

If you think you are not up to the challenge of being a DIY investor, 2 things you can do:
a) Quit, and withdraw from investing into UT.
b) Meet a CFP and have your money managed by him/her.

(Sorry, can’t write much about CFP, as I don’t have any personal hands-on experience with them. But AFAIK, there are also packaged portfolios that are actively managed offered by some fund companies – see this link for more info: https://www.kenangainvestors.com.my/KIB/KIB...IsAMPPlus2.aspx  )

Or you can plod on and learn along the way, by trial and error, sometimes getting it right, and sometimes getting wrong – just like moi!

Cheers. Keep plodding on!

I hope your EPF funds does not performance as badly as you had thought...
does the charts show an almost similar return as per the statement that where sent to you?

from the chart, my PDSF got only 1.5% returns since DEC 2012 till now.....if added in the 3% SC....
would be -1.5%....
I hope just hope that it could just get a return of 1.5% in Sept till Dec 2015, so that my data would be 0% instead of MINUS % (most unlikely can get 1.5% in next 3 mths thou)
then my opportunity cost (EPF dividend) would be 6.35% (2013) + 6.75% (2014) + 6.0% (Est 2015) = 19.1%
with a deficit of 19%,......(> 20% if compounded?)

btw,...not just PDSF had this performance...but the performance of my total portfolio of UTs fund (since 2013) is just abt 2.0% IRR

sure boh?...
read page# 9 post # 166,...what do you think about that? 

and also post #190 (this page above)?

List of Independant Financial Planning Firm in Malaysia

I won't recommend individual planner but I will give you a list of Firms for you to choose from.

Xuzen

p/s: The list is not exhaustive as only Security Commission Malaysia will have the full list.

maybe it was due to ....as mentioned in page#2 post#24?

If you really can tell the difference between Malaysian robber and policeman means, a politic party member and gangster member means, you won't be asking such question

Yup, that's why you are happily losing your hard-earned money while I'm enjoying my hard-earned money.
That's the difference.

Don't need to argue with orang kampong who dunno the world...just like when an Amazon king goes out to the cities...he is rich in his hutan because there is no competition...he is a Tongkat King u know

People born with privileges into an environment with no competition and no need for logic and reason...rule of the jungle

U are welcomed to attack and break all his myths and false logics

But don't need to get your blood pressure up ok!

Is normal, as said, you need to jump in and out on the right time
I also know nuts on stocks, yet every month sure Bursa are giving me rm500-600
Well, my intention is to wake people that still don't know getting cheated by others.
Still, you are the first person that get cheated and yet still willing to get cheated somemore

So much trouble to make Rm500-600 all you need is 150K in FD.. guaranteed Rm525 a month already, why risk capital lol

Anyway you're the first stallholder I know who has so much time (unless you rent out the stall or have someone else run it )

You think? I know someone who is a stockbroker, his card says he has a degree in Finance, but he does not know the difference between a dividend and an option

rm500-rm600 la 

if 500k or 600k, I also wan tipsy 

Sorry, the investment I put in is rm0.30 to get this rm500-600.