Depending ah... Edit.. Under current market conditions... you can get 15% - 20% in 2 trading days.... while you earn a puny 0.8% on Unit Trust... over 2 days as well...

To me it could be simply means something important, valuable that we can carry. Until we willing to put it under the pillow. Can be some cash in hand for rolling purposes. Nothing wrong lah...

By the way, this Public Asia Ittikal Fund(PAIF) so strong man!!! Sold 82% within its 4 weeks time due launching! Dammit,... it's like some people said, not my money, won't goes into my pocket... 

Anyone care to explain in a layman term.

Are you talking about mutual funds?

For mutual funds, the initial investment is not necessary 10k, and you can choose to invest monthly or not at any amount more than 100.

There is no funds guaranteed will go up after a month...it's totally not similar to FD.

You should read more, then you will know in fact, there're people lossing money in mutual funds...many people only getting return less than FD...

here's your proof. this is taken from the star

"Funds for Malaysian market outperform those overseas

IN the last year or so, small investors fled in droves into global or regional Asian funds launched by unit trust companies here. 

The investors felt, as the saying goes, the grass is always greener on the other side of the fence.

The companies read the mood of retail investors well, and almost all of the unit trusts launched during this period carried the mandate to invest overseas. 

More than that, there was heavy selling by investors of their units in Malaysian equity funds. As a result, some of these funds shrank as much as 30% last year in terms of units issued. 

The irony of these decisions is that, as it turned out, the funds for the Malaysian stock market far outperformed those that went overseas. The top two Malaysia funds increased their unit value by over 50% last year compared with above 20% for global funds managed here. 

In addition, each of the top 10 Malaysian funds rose by more than 30% in unit value last year - an outstanding achievement - compared with a performance range of 23.5% to 5.8% among the top 10 global funds, according to Standard & Poor's (S&P) data published in BizWeek.

One reason for this divergence in performance could be the strength of the Malaysian market as a laggard in the region, just as local retail investors "locked in" their initial gains. 

Furthermore, the local fund managers may be relatively inexperienced in investing regionally or globally. 

That could, of course, change this year or in other years, but so far this year, Malaysia's performance continued. 

In the four weeks this month, the Kuala Lumpur Composite Index outperformed its peer indices in Thailand, Singapore, Indonesia, India, Taiwan and South Korea. 

In a way, naturally Bursa Malaysia Bhd, the stock, rose about 30% this month and was the world's best performing stock exchange, according to a Bloomberg article. 

The grass may be quite green on the home ground, too. Retail investors should consider investing in the local market and pick unit trust companies that have shown some consistency in performance in recent years"

http://biz.thestar.com.my/news/story.asp?f...34&sec=business

Not trying to sell anything here, but for those of you who are already in Public Mutual. I guess, you guys may want to consider during this time of bull run, there is no point parking your investment in balanced fund or global fund. Problem with global or regional fund is, rise in one market is negated by a fall in another market.

For me its either being just going into 1 market or withdraw into a Bond fund. So, you guys may want to check out for the past 12 months the most performing fund. I did a little survey and it tells me 2 funds that are doing well and I guess we should invest our limited resources into the most efficient fund and not settle for one that is giving 2% or 3% less than the best.. right?

Yes, I think both Public bank and Public Mutual launch 2 new funds every month...

This month has PCSF and PBEPEF.

Is the fund a feeder fund or the PB fund management invest themselves? I read in forum here before their overseas fund not that perform cause no experience in investing. Maybe things now has changed. Any views?

he didnt mention anything about shenzhen trip to me...
mind to share the information you have?