PBADF performs very well where it covers the service charge in around 1-2 months. Even it dropped last month, but now I think it's back to previous position. Anyway, now seemed like PCSF is going faster than PBADF.

PCSF is like a rocket...those who manage to buy on 17th Aug at 0.2191 now are making 13%+...superb!

China market is really unimaginable...when whole Asia n World r dropping, they r the only one in the green

i think only a handful bought it at 0.2191

It doesnt matter what px you bought...
what really matters is the px you sold !!

It does matter what NAV you buy. Cause the higher the NAV, the chances of it going higher is lower
So when you buy when it is low (during correction or bear), then when bull time can sell at cheaper rate mar

Actually this unit trust is investing in share...so, the fund NAV is high or not, depends on the share in the fund portfolio is over valued or under valued.

I bought PCSF at 0.22 something now earning 1k plus ... how do we know when we should start selling ... it seems stable to me...

It depends on how "greedy" you're. You can sell them off now or you can keep it till it gained more.

a question on public mutual's insurance,what is the premium for RM100k and 50k assurance(PremierPlus Life Plan)?their website didn't stay it.

thanks for viewing and answer.

Thanks for the reply, I do diversify my investment to stocks, FD, foreign FD, mutual funds, ASW and investment link funds ... since there are so many attractive, new and cheap mutual funds coming up every few months, im thnking whether i should buy more ... feeling my savings are getting lesser cause thrown most of my money into investment ...

Just because they launch it at 0.25 doesn't mean it is cheap. Don't let your agent fool you

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Added on September 27, 2007, 10:40 pmThe only different with newly launch fund is the discount during the introduction period, but that does not justify cheap during bull or when market is at it's peak

This post has been edited by dzi921: Sep 27 2007, 10:40 PM

I usually select the potential fund to invest in, the new fund with low price is just an add on.

new fund with low price? i don't understand this statement

The starting NAV for new funds is usually at 0.2500 but one has to remember that it hasn't include the upfront service charge. That means that you're buying at 0.2636 (5.45% of service charge during initial period).

It'll be considered low if and only the fund performs and move upward. You'll be break even if the NAV reaches 0.2636 and any price beyond this will be considered as your capital gain.

If the new fund didn't perform and move downward like recently hit some new funds like PCSF, the initial NAV will not be the lowest.

dear all,

I've been thinking of switching 18k unit of PAIF to PISBF (already reach my target, so want to lock profit). AFAIK, i will be charge RM25. Let say, after the switching i want to switch back the 18k unit from PISBF to PAIF, I will be charge RM25 rite? Is there any other fee? Still blur2.

Thanks for replying


This post has been edited by sphiroth: Sep 30 2007, 04:30 PM

Try switching to money market. Switching into it costs nothing. But switching back into bonds or equity charges u RM25

If you're going to park your money for a very short duration, money market fund will be better since no fee incurred.

Thanks for the reply. I'm thinking to park for a long time (at least until another correction) and I don't have money market account. If after I park in Bond and want to switch back to equity, do I still need to pay the 6.5% service charge or just RM25?

No need to have account also can perform a switch.

When you switch to another fund, your transaction is based on NAV. No 6.5% service charged incurred. Just RM 25 switching fee if applicable.

PAIF -> PISBF = RM25
PISBF -> PAIF = No Charge

I've done this type of switching recently