I can sense a lot of people always recommend fsm and ask newbie to completely ignore public mutual. This is the performance so far for my publiv mutual fund. Consider both and judge yourself. Some people dont really know what they are talking about.

PGSF - one year old from the start of investment , additional investment during DIP only, lol my way of DCA. When i start investing i was charged 0.5% sales charge since the promo havent started back then.

PIALF- 6 month from the start, invest during dip only, the value shown on the screenshot is around 10% below the peak. This one 0% sales charge as promo already started.


Both FSM and public mutual service is top notch. I always receive answer/response on the same day.

I can sense a lot of people always recommend fsm and ask newbie to completely ignore public mutual. This is the performance so far for my publiv mutual fund. Consider both and judge yourself. Some people dont really know what they are talking about.

PGSF - one year old from the start of investment , additional investment during DIP only, lol my way of DCA. When i start investing i was charged 0.5% sales charge since the promo havent started back then.

PIALF- 6 month from the start, invest during dip only, the value shown on the screenshot is around 10% below the peak. This one 0% sales charge as promo already started.

Don't compare 1 year. Compare long term. Long term public mutual is name only and not much substance when compare to peers (fund that invest in same sector).

Combine that with years of under performance and service charge further worsening the performance I am staying far away from public mutual. Remember the fund need to make 3-5% profit just to break even for service charge while I don't need a fund to break even if my fund have no service charge.

Both FSM and public mutual service is top notch. I always receive answer/response on the same day.

People who say ignore public mutual usually see the sales charge n get turn off from it without actually researching the funds

I'm biased because I'm a long time public mutual investor, but I would say "public mutual can't perform" is a very underinformed mentality. Not as high as some famous funds like those in Kenanga and Affin but their growth is generally steady. PM's "weakness" is also a strength if investor is risk adverse.

I can sense a lot of people always recommend fsm and ask newbie to completely ignore public mutual. This is the performance so far for my publiv mutual fund. Consider both and judge yourself. Some people dont really know what they are talking about.

PGSF - one year old from the start of investment , additional investment during DIP only, lol my way of DCA. When i start investing i was charged 0.5% sales charge since the promo havent started back then.

PIALF- 6 month from the start, invest during dip only, the value shown on the screenshot is around 10% below the peak. This one 0% sales charge as promo already started.


Both FSM and public mutual service is top notch. I always receive answer/response on the same day.

People who say ignore public mutual usually see the sales charge n get turn off from it without actually researching the funds

I'm biased because I'm a long time public mutual investor, but I would say "public mutual can't perform" is a very underinformed mentality. Not as high as some famous funds like those in Kenanga and Affin but their growth is generally steady. PM's "weakness" is also a strength if investor is risk adverse.

People who say ignore public mutual usually see the sales charge n get turn off from it without actually researching the funds

I'm biased because I'm a long time public mutual investor, but I would say "public mutual can't perform" is a very underinformed mentality. Not as high as some famous funds like those in Kenanga and Affin but their growth is generally steady. PM's "weakness" is also a strength if investor is risk adverse.

Don't compare 1 year. Compare long term. Long term public mutual is name only and not much substance when compare to peers (fund that invest in same sector).

Combine that with years of under performance and service charge further worsening the performance I am staying far away from public mutual. Remember the fund need to make 3-5% profit just to break even for service charge while I don't need a fund to break even if my fund have no service charge.
If a fund consistently underperformed other similar funds I am better off putting money in other funds as my money is working harder as public mutual.

Eg
Other fund 10% p.a for 5 years
Public mutual 7%p.a for 5 years

I won't even bother with public mutual cause the different in 3% over long term will make the one who invest in other fund give a better returns Vs using public mutual using the same money.

I can sense a lot of people always recommend fsm and ask newbie to completely ignore public mutual. This is the performance so far for my publiv mutual fund. Consider both and judge yourself. Some people dont really know what they are talking about.

PGSF - one year old from the start of investment , additional investment during DIP only, lol my way of DCA. When i start investing i was charged 0.5% sales charge since the promo havent started back then.

PIALF- 6 month from the start, invest during dip only, the value shown on the screenshot is around 10% below the peak. This one 0% sales charge as promo already started.


Both FSM and public mutual service is top notch. I always receive answer/response on the same day.

I assume ppl here asking to avoid PM most likely due to high sales charges, myself included.

Just a note, I remember reading somewhere EPF 0% sales charges will end soon. Sorry I can't find back where I found it.

When the promo ends, fund purchase thru PM will had to pay sales charges. What's the normal rate? 0.5%?

laa tak habis lagi  sentap je...

Totally agree with you on this. For me i consider all the fund and being open minded on all opportunities. I dont understand why one need to have a strong view on something rather than just keeping an open mind.

Yes it is 0.5% sales charge using epf i-invest before the 0% SC promo. But one thing about public mutual is switching charge is still there even under promo. Most fund under fsm doesnt have such thing except fund under RHB.

How come I read and it said 3.75% sales charge?

How come I read and it said 3.75% sales charge?

Yes it is 0.5% sales charge using epf i-invest before the 0% SC promo. But one thing about public mutual is switching charge is still there even under promo. Most fund under fsm doesnt have such thing except fund under RHB.

My advice is.. keep your existing funds in EPF. The compounding interest in EPF work wonders.

Assuming if you have a balance of rm500k. Annually, you will be getting a return of around RM20k - RM30k.

Unlike UT, you need to pay this and that fees and might also expose to losses if the fund is not performing.

If die die want to play unit trust, I will go for PRS. At least the RM3k invested, I can get tax refund. Already money in your pocket first and the rest will depends on the fund's performance.