Definitely the market will go down...normally KLCI above 1000 will not stay for long time, maybe just 1-3 years (based on history). It's impossible the market will be bull market forever... Anyway, the market is still strong currently.

UT Investors,

Just would like to know what % return can be expected from UT investment in Malaysia. I know there are many factors like entry, exit prices, market conditions, etc... But say for long term investment, what would you say is reasonable returns for say aggressive, moderate, and conservative funds.

Thank you for all your opinion.

Agressive/high risk = 8-10%

Balanced/Moderate = 6-8%

Conservative (Bond) = 4 - 6%

Anyway, these numbers are average return and to a certain extent quite conservative. Most of the funds outperformed those numbers (at least for Public Mutual). Then again, if your fund can achieve the said return, then it is quite good oredi.

King Kong,

What is the best performance of PM for those 3 categories of funds, say for the last 10 years or so. Also, I take it that this is nett return? (ie. after taking off the sales commission)

Thank you.

Basic rule applies.... High Risk High Return, Low Risk Low Return

So the best performance of PM funds are the Equities category (i.e. high risk/agrressive)

Example will be PIOF, return since launch (28/6/05) is at 73% giving average annual return of 33.94%. This is an agressive fund.

While u compared with balanced fund, eg. Public Islamic Balanced giving 17.48% p.a.

There are more funds to look at, those 2 are just some examples.

Do keep in mind, high risk as it namesake...the risk is high, so losses from high risk fund will be higher than other fund categories.

depend on how long the term you mean,if you say term is 10 years ++,you just keep buying,no switching and withdraw you profit,what you get can be further below....

can try view morningstar or lipper to view the result.

some will argue that is due to econ crisis on 1987 and 1998,but...econ crisis is a life cycle that sure repeat for non sosialist economic country

---

Added on September 12, 2007, 11:02 pmdon't know this is an old news not...

according to liewcf's blog,those have no proper salery or other income prove document people,if they have at lease hold RM10k public mutual unit for 1 year++ ,they can use it as a income prove to apply public bank's gold credit card.

This post has been edited by athlon 11: Sep 12 2007, 11:02 PM

For long term of 10 years...the return extracted on 30 Aug:

Equities:
PRSF: 161%, annually 10.07%
PITTIKAL: 228.16%, annually 12.62%

Balanced:
PBF: 128.85%, annually 8.63%

Bond:
PBOND: 125.06%, annually 8.45%

The return is NAV to NAV, so this is not the nett return, this does not take the service charge into consideration.

Can i ask which fund is better if i wan buy one of them as my unit trust?
Public islamic asia balance fund OR Public islamic islamic asia dividen fund?
please give me some opinion, and what the two diffrent between these fund...
thanks..

It cannot be said which one is better, as future performance, market trend, economy situation still is everybody guess.

But historically over long term, most dividend fund performance is better than balanced fund because balanced fund portfolio consists of bonds which normally move in oppposite direction with equities so drag on the performance of the fund when stock market is good. But bonds perform well when economy situation is not good (when economy situation is bad, interest rate is expected to go down, by then stock market generally doing poorly in the early recession period) At that time, balanced fund will outpace the equities fund in this period.
Also balanced fund is less volatile than equities because bonds volatility in nature is lesser than equites so does it risk.

Personally don't like balanced fund at all, because it consist of 2 portfoio (bonds and equities) which normally (90% of the time) move in the direction against each others, when bonds up, equites down while when equities is having bull run, bonds price drop.
Also, balanced fund has higher front end load or service charge compared to you bought separately aka one bond fund and one equities fund. Personally, if really want a 'balanced' portfolio, better buy separately as you have total control of the flexibility to adjust the portion of the bond and equities depended on market and economy situation.

This post has been edited by cherroy: Sep 13 2007, 04:11 PM

i don't know if this will encourage you to invest..
if you hold >RM100k of public mutual unit trust for 1 year++, they.. public mutual will offer you a complimentary platinum credit card.. free(perpetual).

almost same condition with yours above, but just add another zero(0) to the sum..

I wonder whether the Gold Mutual (>RM100k) status has good practical benefits?

U get free insurance coverage....free switching/transfer fees...free will writing (if i'm not mistaken)...monthly Mutual Gold magazine that shows all the luxury advertisement and luxury lifestyle articles with small portion on unit trust

it will fall pretty soon

yes that's correct...... that mutual gold magazine nice le so many stuff to read.....sadly no lenglui only

Recently I've created these 4 new accounts

Haven't receive account number:-
24/08/2007 - PSMALLCAP
24/08/2007 - PISBF

Have receive account number:-
23/08/2007 - PGF
03/09/2007 - PIOF

Is there something wrong? How come I've gotten the earlier applied (PGF) and later applied (PIOF) account number but not PSMAPPCAP and PISBF

I so han the mutual gold status leh... It's one of my financial milestone

Fall? Today up wor

My idea is actually about same as Cherroy. Balanced fund has same service charge as equity fund, but its portfolio in equity is only 40-60%, and the rest will be bond. This will lower the return when market is doing well. If you want to diversify, it's better you invest half in equity fund and half in bond fund. For the bond fund, you save about 6% service charge, as bond fund service charge is only 0.25%.

Dividend fund mainly invest in high dividend yield companies, where this kind of company is more stable and dividend income will be the stable income for the fund.

the benefits are stated in the corporate website.. amongst all the stated benefits, the free magazine is the least that i found useful.
PMutual has cut cost (and soon more cost cutting initiatives will come).. and consolidate to only 1 magazine of choice.

the waiving of switching fee is very useful..
the free insurance is an added advantage.. (although i've a little doubt on the underwritings/underwriters)
the free will writing is a benefit for those who have assets and legacies to leave behind..
the complimentary credit card is most appreciated.. the annual fee for the card alone can be like RM500-600/annum

the free petrol voucher from lonpac isn't useful for me as i'm on a 3rd-party policy..(self-insured *lol*), thus i'm not entitled to it.

the quarterly bulletins..? well, they're historical news.. (if only you can get updated news/feeds, now that's a value)

mutual gold benefits will slowly shrink(there're reasons to it, of course).. i hope you won't be dissapointed when you've finally reached that significant milestone of yours.
just don't bank in a too high expectation of this status.. your own personal achievements are worth more than that.

Mutual Gold Benefit - Discount at Basking Robbins...
haha
just to inform those who do not know...
kekekeke
just learned about that a few weeks back from a friend.

The complimentary credit card is gold or platinum?

I heard there are seminars or talks that mutual gold are invited right?

Not really putting high expectations, it's merely a milestone for my investment pipeline

HSBC credit card can get discount for Baskin Robbins also ma... But their big discount is on 31st of the month la