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


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I sold off all PCSF in Apr....
I think maybe you need to compare it performance against other FHs....
Since 17 Aug, my Hw CSF is now - 1.5% and RHB Big cap had recovered to +3.12%
hopefully this PCSF is much better than this 2...

I just checked the PCSF from 17/8 till now is +3.9% much better than my Hw PCF and RHB Big Cap China.
observed that the NAV of both my China funds keep slowly going up in the past few weeks....
regarding the agent.......I think he is not wrong...bcos many articles from 'experts' still say china is a 5 stars....
if you clear China from PM and go to FSM...will you still go to China region too?
do you need China in your portfolio?
how many % of China now you have in PM?
why not keep about 5~8% of China in your portfolio?

This post has been edited by yklooi: Oct 21 2015, 09:24 PM


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while waiting for more value added responses...I googled and got this...hope it helps to provide some info...

Do's and Don'ts of Choosing a Unit Trust Fund
•Don't choose any unit trust fund just because its performance was good. Instead, make sure the fund meets your risk appetite and financial goals.
http://www.publicmutual.com.my/Resources/U...ns/Lesson7.aspx


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to be frank....I think most of the Equities Funds around the world are also affected in 2008....some had recovered aggressively and some had not.....
use the morning star tools to see their performance......
http://my.morningstar.com/ap/fundselect/results.aspx

but please take a note,....
"Don't choose any unit trust fund just because its performance was good. Instead, make sure the fund meets your risk appetite and financial goals"
"Those performance data are historical data....that means it may not reflects their possible future performance".
"What is "Better fund" now; May be the worst fund too the next year".

if you are interested in the PB/PM monthly funds review can get it from here
http://www.publicmutual.com.my/OurProducts...FundReview.aspx

"if there's a better fund than this"?......yes (and no) ...it depends on what you seek

btw,...I think you need to pay X% Sales charge when you switch from the current FI to Growth fund..have a thought about it.

This post has been edited by yklooi: Dec 24 2015, 10:19 AM


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I went into PM with amount to qualify for the Mutual life 2 insurance coverage....
did you take that too?

just back from PB Penang.
asked the PB mutual funds personnel....
she said "if you have bought PB funds from that particular PB bank, then they can help you to sell, but if there are people calling you asking why you sell....you must insist that if was your decision to sell".

must have bought PB mutual fund before, then go back to that PB bank (for only that bank can see your details) and they will help you sell

else, you have to go to PM office

may I kay poh abit....
I read somewhere and sometime back....thus not sure if it is still so.
yes, it was still closed
no, cannot see from the website...previously can now cannot. for they wanted you to contact your consultant so that he/she can propose another one to you.

I was "lucky" ...I got the same fund too but transferred all back to EPF in Apr 2015

if i am not mistaken and if i can remember correctly....read here sometime back....same amount of sales charge incurred

the name of the location had been changed....
http://www.publicmutual.com.my/Home/UT-Fund-Prices

I just got a fund.....i copy that address and paste it on my excel....click to open, see that price and put it into my excel....
I did not use auto link

while waiting for his response.....

as for me, i do it in the excel, so that i can see how my investment are performing......
from there i can see the MOM, YTD, since investment and since last portfolio changes, the countries of allocation, etc...

if diversified then, the returns p.a. may not be achieveable at 8% pa because the good funds will be used the cover the bad one right?

any suggestion for a diversified portfolio and it % of each fund allocation that can helps to provide about 8% p.a. return on average?
(not 8% pa continuously but ave 8%pa over 5 years (40% in total, or 80% in total over 10 yrs)?


for since April 2015 my port has a CAGR of 6.3% with these composition
50% in PGSF
36% in PAIF
14% in PSEASF


This post has been edited by yklooi: Sep 17 2018, 03:20 PM

yes, I am ok with that....
so any suggestion on my earlier posting to you about portfolio diversification as mentioned by you?


I liked the way you post this...
"I feel many people make a mistake for not diversifying their portfolio.
they invest solely on one fund and with not diversifying your portfolio, you are not able to take advantage of different sectors' weather wave.
not every sector is a bed of roses. therefore, with a well diversified portfolio, you can take the returns from those that are appreciating, and wait or the other side of the sector to come back to sunshine season again."

I does not wish to continue the to be in your statistic of many people make a mistake......do you know how?

This post has been edited by yklooi: Sep 17 2018, 07:22 PM

10-years: 34 equity funds. Out of these 34 funds, 7 have a total returns of 80% and above....about 20% of the 34 equity funds have about (rough estimated 6.0% CAGR and above)
5-Years: 58 equity funds, 32 have total returns better than 36.49%.......about 55% of the 58 equity funds have about (rough estimated 6.5% CAGR or better)
3-Years: 61 equity funds, 31 have total returns better than 20.22%.......about 50% of the 61 equity funds have about (rough estimated 6.5% CAGR or better)

so based on past records......the longer it stays in the game,....the lowest the chances of being able to beat the EPF rate?
if to further analyse it..... wondering which are the regions of those mentioned fund invested in, for those fund that contributed to the good performance in those period?
wondering how many % of those good funds are EPF-MIS funds for each of those year period categorised in above compiled data?
with these and more pondering......as Harry used to says...."Are you feeling lucky?"

This post has been edited by yklooi: Sep 19 2018, 08:26 AM

maybe post 1545 applicable?

wondering if there is/are any generalisation of action(s) that he/she should have done between the purchase date till now?

WOW,...with the current market situation that had been not good for the past 9 months......still got 25 sen .....
huat-lah you

any idea why the different is so great?
the processes or steps taken to redeem is not the same?