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 Fund Investment Corner, Please share anything about Fund.

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shih
post Nov 26 2006, 09:17 PM

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ante5k is right. According to the Malaysia Securities Commision, the charges for the unit trust transaction fee is between 5-7% depending on different finance institution.
Unit Trust is medium to long term investment vehicle, because the initial service charge is 5-7% and need some time to break even.
Use the (Selling Price - Buying Price)/ Buying Price, you will get the initial service charge for the particular fund.
shih
post Nov 26 2006, 11:36 PM

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~~5ive~~, it works like this. When you buy the UT for RM1 per unit, that's the selling price (RM1). The buying price will be lower by 5-7%, which is the value of your UT when you sell it.

If the initial charge is 5%, that means the buying price is RM0.95. If you buy it and sell it at the same day, you will suffer 5% loss.

NORMALLY, the finance institutions charge for the initial service charge and annual management fee (lesss than 1.5% of Net Asset Value[NAV]). There wont be any charges when you SELL. (* Depends on different finance institution policy.)

This post has been edited by shih: Nov 26 2006, 11:40 PM
shih
post Nov 29 2006, 12:20 AM

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Just a reminder to all the new investors, the cooling period is just for those first-timers. After that, you'll be charged accordingly.
shih
post Nov 29 2006, 07:16 PM

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QUOTE(edifgrto @ Nov 29 2006, 10:16 AM)
Yesterday, Public Far-East Dividend Fund got its first day launched. Anyone got any fishes there? I put a little net there...

The agent told me it's different. As it's a Income type of fund. What is it all about actually? sweat.gif
*
Public Far-East Dividend Fund is quite similiar with Public Dividend Select Fund, only PFEDF portfolio will based on China, SG, HK, and other approved markets. Stocks with high dividend yield will be the target. The main objective is to provide annual income and capital growth is secondary.
shih
post Nov 29 2006, 08:25 PM

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edifgrto, the fund still in lanching period which means that it is not started yet until after 18 DEC.
Public Mutual official site will have all the details that you want to know about the new fund.
shih
post Nov 29 2006, 08:38 PM

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what do you mean by 'works the same with others'?
Actually every fund has their own objective and portfolio, so the return will based on the portfolio. If the stocks involved increase, then of course the fund NAV will increase.

This post has been edited by shih: Nov 29 2006, 08:39 PM
shih
post Dec 1 2006, 02:02 AM

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QUOTE(ralf @ Dec 1 2006, 01:04 AM)
I start to learn this UT/MT thingy by reading this thread. Lots of information i captured from here rclxms.gif

my next target would be PBF, Public Bond Fund. smile.gif and little bit on the Public Far-East Dividend Fund(PFEDF)
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looks like you are not a risk taker. Hmm.... just follow your portfolio and hope you can make some money from the funds.
shih
post Dec 4 2006, 01:15 AM

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QUOTE(Assassin @ Dec 3 2006, 09:16 PM)
So is it preferable to invest when market is high or low? Thinking of invest in the Public new fund.
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When the market is low, the NAV also lower, so can you buy more units with same amount of money. However, that is just significant for equity and balance fund that majority invest in stock market.
You can try bond fund. Lower risk, growing steadily, but require longer period to generate good return.
shih
post Dec 11 2006, 02:30 AM

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QUOTE(airbag_grado @ Dec 10 2006, 10:43 AM)
Thx for sharing, I understand it might  hard to generate much $ short term. Since i decided to allocate some small amount to save for a trip, I just think is there a way to generate more interest as compare to saving account. FD cant let me contribute monthly. Any bond fund to recommend?
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PSBF, PIBF is performing well now. Anyway, I think any bond fund can make little money in short time. You need to determine how long is your investment period to make any realistic target.
shih
post Dec 13 2006, 12:29 AM

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airbag_grado, Public Mutual bond series perform well in medium to long term, so make your comparison with others from the %return, history, and volatility.

Just a reminder to all investors, Public Mutual offers 1% free units for Public Far-East Dividend Fund will be closing on 18 Dec 2006. No offer for Public Islamic Enhanced Bond Fund though.
shih
post Dec 19 2006, 01:35 AM

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Actually it's very subjective because PSF have good reputation and history, that's well many investors pick it.
For PBGF and the other growth funds, the risk is very high and tracking very close to KLCI.
If I am not mistaken, PEF and PIEF performance since lanuching are very impressive also.
shih
post Dec 20 2006, 11:23 PM

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I think that the fund manager have their own ideas how to deal in this kind of situation also, since the fund manager, you and I also don't know how high the KLCI can hit.
For example, if KLCI continue to hike until 1150 and down to around 1050 again, when is the correct time to invest. I'll say up to your own risk profile and prediction. (Just an example, of course it can happen oppositely)
shih
post Dec 23 2006, 12:32 PM

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QUOTE(cherroy @ Dec 23 2006, 09:42 AM)
It depends, If someone got extra fund then there is no harm to diversify some into bond especially current interest rate situation is on the way down (for US). But bare in mind, you can't expect high yield from it, generally about in the range 4-7%.

Generally, it is not worth to invest in local equity fund due to high entry fee of 5% and annual management fee of 1.5%. You already lose out 6.5% when first bought compared to invest directly of maximum commission of 1.2% (assume commission rate 0.6, can get lower with some online trade).

If you are looking at dividen fund then might as well invest directly into those high dividen stock like Carlsberg, Guiness, BAT, Tanjong etc. since those fund also buy these kind of stock. But if one has less knowledge about stock market and don't know how to monitor your investment, UT is the only and better choice since it is better for one to buy UT rather than blindly go into stock market and don't know what he/she is doing.
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That's prtially true for what you have suggested but being a beginner or low risk profile investor, unit trust or fund would be a good way to start with. Although it is 5-7% charge per annum but they still can perform to generate gross profit in medium to long term.

If you pick stocks, I am not against too because I am doing that also. In fact, it can generate much higher profit and LOSS as well, depends how you manage it. Frankly, if you have sufficient fund, go for blue chips is not a bad idea.
shih
post Jan 7 2007, 01:31 PM

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they also want to keep their good reputation, all the fund managers will try their best make some money everyday, no matter the market is going up or down. So, if you got money, make up your mind where you wanna dump into... saving? fund? stock? FD? properties? it depends on you... you are the one that holding your money now.
shih
post Jun 12 2007, 07:45 PM

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I think the EPF does not approve the buying new fund (PCSF) because 1st, the government really want to keep the money in our country. 2nd, which I think is the most likely factor, the EPF does not have sufficient liquidity to accomodate the EPF withdrawer after retirement and for investment purpose.
Btw, it is confirm that the new PCSF cannot be bought using EPF withdrawal during initial offer period.
shih
post Jun 12 2007, 11:48 PM

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QUOTE(David83 @ Jun 12 2007, 10:00 PM)
How about other off-shore funds like PFES, PGSF, PFEBF, PFEDF and etc. as for your 1st point?
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Sorry for the mistake i made, the 1st point is I took from someone in previous post...
That's why I think 2nd point is the main cause of what the government encounter. They are short of money(maybe), they have a lot of projects kicking start, EPF already inversting a lot in other region or sectors.
shih
post Jun 13 2007, 01:44 PM

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QUOTE(leekk8 @ Jun 13 2007, 12:01 PM)
According to the Prospectus, there is no state about EPF can't be withdrawn to buy PCSF. So weird, why so many people saying can't use EPF to buy PCSF...is it only PCSF or any other funds also EPF won't approve?

Any official announcement for this? (Earlier, Darkmage said can use EPF)
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The prospectus does not state that EPF can be withdrawn to invest in PCSF too. Btw, a PM branch manager did told me that EPF cannot be withdrawn to invest in PCSF during initial offer period until 25 June 2007. After that, I am not sure. For the other funds, I think you still can call up your agent to finalize with you. It should be NO problem.
shih
post Jun 13 2007, 02:03 PM

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QUOTE(David83 @ Jun 13 2007, 01:54 PM)
Maybe during the initial offer period of any new funds, one could buy that new fund using EPF withdrawal scheme.

Just my guess, don't flame me.
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I think new funds cannot laa.... after the offer period, then I think can use the EPF withdrawal scheme.
shih
post Jun 23 2007, 08:57 PM

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QUOTE(Darkmage12 @ Jun 23 2007, 02:21 PM)
then you lock in ur profit and bring the cash elsewhere?
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Put in FD or Bond Fund seems like not bad. Else can look for some blue chips that offers good dividend return like BJTOTO?
shih
post Jun 24 2007, 07:23 PM

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QUOTE(airbag_grado @ Jun 24 2007, 06:01 PM)
Near 100% percent gain take longer time(5 years) but possible, i once gained it thru cms premier.

I think this is quite a good fund, have been doing quite well. I think won 10 years best equity fund.
Think of review my porfolio, want to choose 2 unit thrusts as my core and do regular investment which can generate at least >10% yield.

Read a article suggest that invest in balance fund and global fund. Any comments?
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I've invested in a few Public Mutual Funds, it gives me a good return now, which is PEF and PIEF for less than 5 years. However, I do not think that the next 30-50% is coming soon. Market is quite high and people are worry about economy crisis, so the market sentiment would be lower for the coming few years. Unless government make some other positive announcements.
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