Hi everyone,

after i read page 80 n 81, i started to become more confused. Currently Im still holding myself from buying any fund for a moment. As humbly, i would like to ask advise. Is it now not the right moment to invest into any fund yet though the price is looked low.

Do advise,pros out there.

iam thinking to sell all my UT fund..
loss about 32%

KLCI reaching more than 900 points already, is Malaysian Economy recovery process???

Hi all sifu sifu of Public Mutual. I'm new here so pls guide and teach me.

I recently just bought my first fund, Public Equity Fund on 2 Jan 2009. I invested 2k in it.

I've checked the NAV price at that time, which is 0.2175 on 2 Jan.

My agent told me that it will take around 1 month to process the details as I'm a new investor. My question is, when they finally process my details, they will price it according to the NAV price at 2 Jan rite? Or is it according to the NAV price on the day they process it?

And what do you guys think about PEF? I've made a bit of comparison with the other funds, and while the other funds have higher returns/distributions, PEF's main advantage is its low NAV price, which means i get more units, which also means I only require the NAV price to increase slightly in order to double up my investment. I also understand that it is riskier, since a slight decrease would mean I lose more money, since I have more units. Please give me your 2 cents on this.

PS: My agent initially suggested PITTIKAL, but I didn't want a moderate fund, since my mom already bought Public Regular Savings Fund for me, but it's under her name. This PEF is bought by me using the money I earned from part time, so its entirely my own. Is it wise to go into equity funds at times like this? Especially an aggressive fund?

I thank you all in advance!!!

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Added on January 7, 2009, 10:49 pmAnd also, is my calculation correct?

Investment / NAV + 5.5% charge = Total Units

RM2000 / 0.2175 + (0.2175 x 5.5%)
RM2000 / 0.2175 + 0.0119625
RM2000 / 0.2294625 = 8716.02 units

Thanks!       

Since I'm a student, I don't have a current account to write check. On the day I purchase, I went to a public bank branch with the agent, filled the form and immediately pay cash through the counter. I paid in the morning around 11 AM. So should calculate the NAV according to that day right?

So,
Total units = [(Capital invested)/1.055] / NAV

(RM2000 / 1.055) / 0.2175
= 8716.02 units

I also plan to contribute RM100 monthly into the fund, taking a bit of advantage while the NAV is still low to maximize the units I get. I will hold it for around 3 years time. At least make something useful out of this recession, since it undoubtedly cut down a lot of job prospects for this year and next year and I'm graduating end of this year!! 

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Added on January 8, 2009, 12:28 pmAnd another thing, we only make money either through the appreciation of the NAV price and the distribution that the fund makes right? Or is there other factors that come into play? 

Thanks again in advance!!!   

Any idea what is this Public Mutual Online for?

https://www.publicmutualonline.com.my/

Can I submit the form to public bank?

Only at branch offices! That is a little inconvenient.

They also don't offer registration via fax or mail in.

from my details PIX is only 3.00 sen/unit.

so which one's true?

I got 1 question.....

If I make an additional investment through Public Bank E-Banking on the 2 February at night, the NAV price will be according to 2/2/2009 or the price on 3/2/2009?

i invest under Public Islamic Select Treasyres Fund under EPF scheme, is this fund OK?

i just invest coz ppl ajak only, dunno kena con or not.

hi kingkong,

would like to check something with you.

eg i invest 1k, 5.00 sen/unit mean how much i can get?

1080 per annum?

need ur advice on this?

which fund is the best fund and give the best return so far?

anyone?

Assuming PIX price = 0.5000
RM1,000 = 2,000 units
If the distribution is 5.00sen, then your total payout is 2,000 x RM0.05 = RM100

"which fund is the best fund and give the best return so far?"

There are way too many funds in Public Mutual's stable, so we can't really say which is best and which is not. Each of them have different benefits in different situations. How do you define "best return"? 1 year? 3 years? 5 years? Most awards won? I mean, there are even TONS of measurements for unit trust funds, there is no definite answer, and again it depends on what type of returns are you looking at.

Just curious, which fund would like to Dow Jones Index?

As I know, the PM Index fund is link with the performance of KLCI.

So is there any PM Fund link to the Dow Jones?

That portion isn't disclose yet. Perhaps it won't be disclose till its interim financial report.

Maybe it'll be investing in FBM30.

hi sifus,
new in unit trust fund..
just want to know if i doing cost averaging method,
lets say i deposit rm100 monthly for equity fund,
what are the extra charges they will charge me?
thanks

bro, how do u get to invest by using EPF funds? is it for bumi only?