i think i want to sell all my UT in public balance fund.
but will loss about 20% amount that i invest
should i sell now or wait...

If interest rate being raised rapidly (I don't think BNM will do it), balanced fund might not balanced anymore.

Interest rate goes up, bonds price goes down.
Interest rate goes up, equities generally don't perform well.

Personally I don't like balanced fund. If really want to have a balance portfolio, then better split the initial money to invest one equities fund and one bond fund, like that you have better control on the balance issue as well as reduce the intital service charges.

Equities fund charges you 5% initial service charge
Balanced fund also charges you 5%
Bond fund generally 1%

So you bought balanced fund 5% charges incurred.

Split the money into half to buy 2 fund,
Equities fund 0.5 x 5% = 2.5%
Bond fund 0.5 x 1% = 0.5%

Total charges = 3%

You save 2% if one uses the initial money to buy 1 equities and 1 bond fund compared to use all the money to buy 1 balanced fund.

But since the forumer had bought the balanced fund, switching to bond fund might not a good choice, unless expect a big drop in equities and see bond fund as temporarily park place to reenter the equities side, then it is workable. Otherwise, it is much more advisable to keep on, as it might a bit late to do anything out of it.
So it depends on people view and expectation from the equities side currently to judge how should one doing his/her money.

Just my 2 cents.

You did get right. Eg. A gov bond xyz that issued at 100, carries yield 5%.

So when you bought the bond time, the price is 100, so you are getting 5% yield.
But after that the bond price goes down to 90, yield become 5.55%.

Your initial investment still yield 5%! while others can already get the FD rate of 5%.

It is pose oppportunities to newer investment, but not the old investment that had made.

The only different is the new investment you make by buying the bond at 90 then you will be getting 5.55%. While maturity time you will getting 100 back.

But bond price won't be falling without reason, in fact bond price movement is much more easy to predict and well behave accroding to fundamental issue compared to stock market. When bond price is falling signficantly, that's mean there are other alternative that offer very good yield as well. Eg. if FD rate is 5%, then it doesn't make sense for people to buy at 100 that carries 5%. So XYZ bond need to go down to have better return potential to lure investors. But if IR keep on going up to 7% then XYZ need to go down further (you need to calculated back the potential gain from the bond maturity as well in this case for the potential totally return in comparison to determine the comfortable level of the bond)

New University Cost Guide (6th Edition)
   
Planning for a local or overseas higher learning will never be the same again. Whether you are a parent preparing for your child’s tertiary education or a student looking to study in a university, the 6th Edition of the University Cost Guide is what you need to help plan your education needs with minimal hassle.

Inside this latest edition, you will find up-to-date tuition fees of various professional degree programmes in renowned colleges and universities worldwide. Furthermore, the University Cost Guide will also provide estimated living costs of several popular destinations for further education such as Australia, Canada, New Zealand, the United States and the United Kingdom.

URL: http://www.publicmutual.com.my/page.aspx?n...uncement_120808

The ex-distribution price and cum distribution price will be reflected in the fund annual report. Anyway guys.... if u really really really really understand about funds.... distribution means nothing for me... its just left pocket in and right pocket out....

I am having Public China Select Fund,Public Far-East Consumer Themes Fund,Public Islamic Dividend Fund,Public Smallcap Fund...But why I only received the dividend from PIDF? Other funds is not giving out dividend? By the way, the fund price, dropped till no eyes see.....

I'm not sure wat u wanted to ask here...or..are u an agent??

To invest in Public Bank (PB) Series of funds...u can go directly to public bank to get it.

To invest in Public (P) series of Funds...u need to get Unit Trust Consultant (i.e. agent) from Public Mutual.

Both series of funds are managed by Public Mutual.

How Long it takes??
to process??? on the spot if you hav all necessary document...which is ur photostat i/c only
Your account will b created in less than a week...max 2 weeks

aaa...thats explain it, haha thanks 

Public Mutual declares distributions for 2 funds

Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for two of its funds. The total gross distributions declared for the financial year ended 31 August 2008 are as follows:

Fund | Gross Distribution / Unit

Public SmallCap Fund | 8.00 sen

PB Islamic Equity Fund | 3.00 sen

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow said Public SmallCap Fund which was launched in 2000, is an award winning fund, having received a total of 10 awards in its category from The Edge-Lipper Malaysia Fund Awards and The Star/Standard & Poor’s Investment Fund Awards Malaysia. Public Small Cap Fund was ranked No.1 for its five-year returns in its category with an impressive return of 113.47% for the period ended 8 August 2008, according to The Edge-Lipper Fund Table dated 18 August 2008. The fund is distributed by Public Mutual unit trust consultants, while PB Islamic Equity Fund which was launched in 2005, is distributed by Public Bank branches nationwide.

Public Mutual is the largest private unit trust company in Malaysia, and it manages 67 funds for more than 1,800,000 accountholders. As at 31 July 2008, the total net asset value of the funds managed by the company was RM26.3 billion.

URL: http://www.publicmutual.com.my/page.aspx?n...rls_080902_1138

Any PM can let me know the following..
Say MQGP for an investor is RM1K and received a total distribution of 2K.
MQGP now = 1000
Investment value = 3K
If the investor withdraw the 2K distributed amount, how will that affect his MQGP?

hi
i'm looking for a muslim PM advised aROUND Kota Bharu
I'm looking forward to invest in a new fund in PM

please contact me via email at drsaleh at tm dot net dot my

thanks

Haven been into PM UT for some time, as i've given up hope lol, since the recession sets in.
Good time to top Up? I'm actually leaning towards into Shares, as UT's moving at snail pace.

Currently holding
PCSF
PIADF
Public Far-East Property & Resorts Fund
& one more islamic bond fund, can't remember.

I'm a high risk, looking for long time range

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?

i also noticed that the PCSF price has gone up to 15 cents compare with a month ago 12-13 cents and our KLCI is rising too but not sure it will collapse again or not. 

another question is.... should i stick with this PCSF?

When markets are on a downtrend, people fear that the market would go lower. When markets are on an uptrend, people fear that the market would still go lower. Then when people start realizing the market is not going back lower, people will start saying things like "Damn, missed the opportunity" or "I should have bought back then", and start giving excuses that "Cannot buy anymore la because the market move so high already".

I am holding PCSF now. What makes you think so??? Please share...

hmm... should i pump in more?  or go with another one?

for me, no fixed term.  buy then sell only at a profit, if it's a loss then hold till it bears fruit.  what do you think? 

i did do some homework before i start investing 

Better put in ASW tomorrow...confirm no lose..

Stock market moving more faster than Public Mutual.

how come if my investment is under corporate i cant register for pm online ar? why only for individual?

heard that PB lunch a China fund???
any info on that fund, i read initial investment only rm100...
can anyone hear explain more...
coz cimb also got China fund if not mistaken

indeed Public Mutual's software and IT have been sucks for a long long time ...

Some of the 'good' Public Mutual fund agency is using
http://www.invest.com.my/
and can help clients to make good comparision for historical performance.

where they can even compare funds out of Public Mutual

for investors themselves, they can use a similar system at
http://www.signalinvest.com/

both are actually by the same company and I personally know the Khong and Khong, I have to admit their intention is correct and they will most likely to stay in mutual fund industry for quite a long time.

sorry I misled some ppl to think Public Mutual has good software ... not to mention their agents have to pay for such a lousy softwares ...

if you are referring to Public Mutual then no, its just you being too sensitive.  If not for Public Mutual I will never be what I am today.  When I first face my business failure its my 10 years old teenage mutual fund that save my cash flow problem ( from public mutual ), and every time a newbie ask about mutual fund my standard answer is close your eye and buy public mutual.  PBMutual is STILL the largest fund manager in malaysia.  But the fact that they fail to improve their softwares for their agents and also web site for public is a factual failure.  Cheah didn't agree with this fact since the stone age but its still a fact and give others chances to overtake them.
what to do, everyone is responsible with his own investment, at the moment you rely on 'someone else', u have failed urself.
no, forexis not for you, hee hee hee ...