Hi all, I currently hold PBAEF & PIF. It's kinda something I inherited & it's just sitting around, so I'm thinking of switching it to something else & leaving it alone for the next few years. My pref is 75% aggressive (thinking of the new PNREF, PFECTF, PSmallCap or similar) & 25% moderate (PITTIKAL, PSF or similar).

My main area of concern is that I don't want to lose out too much on fees (my personal UT investments is done through FundSuperMart, so I'm a bit freaked out by the 5.5%...), that's why I'm limiting to switching. If I do switch from my current funds to something else, will they still tolak the 5.5% (or in case of PNREF, whatever the amount is) from the switched value?

is china funds droping this few days? or any pssivlity in dropping slightly?

90% of investors lose money,
Only 10% make money.

90% = Public Mutual investors
10% = Public Mutual agents

u're cool buddy... able to share your advice here? i also want to earn money from u man.. As said earlier, my pm's price always drop... loss til so pain...

Ur info need pay??? If so then just leave it....

Any idea how is Public Mutual capital protected funds performing so far ?

Has anyone tried to purchase Mutual Funds through their online website? Today I purchased the PAUEF through online. The transaction gone through successfully PBe Banking, but when returning to Public Mutual website, it returned an error. I think this happened because my IE8 pop-up was blocked.

I am not too sure if the transaction goes through for PM or was the fund account was opened...

Anyone faced this problem before whether it's Initial Investment or Additional Investment?

Appreciately greatly on your replies...

Hi, can any agent or experienced investor let me know if I have switch out ALL my funds from an account (e.g. AccountABC) a year ago and now, I would like to invest back into that fund under AccountABC? Currently what I can see from my PMO is AccountABC has 0 units...

@Jordy,
Thank you for your reply. OK, you may take this example. I bought PIX a year ago & switched all to PCSF. Now my PIX account is left with 0 units and I am not too sure if it's closed. Now, I want to reinvest RM100 (not RM1K) into the PIX account I bought a year ago, is it possible?

planning to invest in public mutual.. abt rm2k only.. fresh grad.. wan collect money... my fren say every month mz put rm100... issit corect ??/ blur2

Are they are PM funds constantly declare dividends or distributions of free units yearly? Any info?

wanted to enquire does anyone here have the change of agent form you guys could share?

Cos I logged into my PMonline and I saw the agent code is different and they will still charge the 5.5% charge

but then what I am UTC myself now.. can't I change it to my own?

may i know when is the best time to buy UT?
i am interested to buy one fund....but it is going to declare distribution end of this month....

could anyone here would give me some opinions...
should i buy b4 the distribution so that i can get the distribution too at end of this month....or wait after it distribution so that can buy at lower NAV?

really hope someone could help to answer my question....tuvm

Any suggestions for cash investment for UT? Any types of UT?

About changing agent, I find something odd when using the PMonline when switching my PIOF to PISBF. I already got a PISBF account  but the system open up another account (with different account number and the agent is my latest one, the same agent as PIOF, the latest account I have). Is it a bug in the system?

As for me, i would like to accumulate wealth as early as posibble. Time frame, 5 - 10 years maybe.

So does that mean if I were to invest in a new fund using PM online then the commission will also go to the consultant?

thank you very much for ur advice and info

in the other case.....if i wan to repurchase one fund...it is the best to repurchase b4 the distribution (normally quite high b4 the distribution) or needed to wait after the distribution....until the NAV to achieve the target tat i set earlier (maybe need to wait for quite a long time)?

and may i know what is the differences between switching and transfer?
both also required RM25 admin fee...
i understood about switching between funds....but how about transfer?

my objective of purchasing the funds is to get positive returns and lock it by repurchase it at my target %...then save up at other place which is less risk like ASW/ASM ...FD...or etc...
then again will purchase funds which i think at a suitable time to make profit to achieve my targeted %......as for me....i don think UT is a safe place to save up my $$ for future....but mayb yes for investing....

i'm still in the process of learning it....since i'm quite new to the investment...so hope all SIFU here would give some advices to me...

ic....may i know what kind of investment strategy or mind set should we  have for one person to invest in unit trust? or what is the correct way to invest in unit trust? i really like to know....

i'm still in the process of learning which investment r suitable for me....therefore i tried with unit trust 1st which is less risky than stock market...

i don mind to learn new things from here....really apppreciated to all the sifu who could help to answer my question....mayb one day i could invest in stock market and unit trust using different approach and objective too...

btw...can anyone answer me for the below:

may i know what is the differences between switching and transfer?
both also required RM25 admin fee...
i understood about switching between funds....but how about transfer?

My objective if i want to be more specific when investing in unit trust are :

1. To accumulate atleast 1 million in my KWSP account when i 55 years old.
2. To make savings for both of my childrens when they want to go to university at 18 years old.
3. To have a good capital because i'm targetting to do business when i'm atleast 45 years old.

Based on my various objectives, do i have to save my money in different unit trust provided by PM?

may i know what is the average or highest % profit we can get from UT?
i saw some people....get only 12-15% of profit from their total investment in UT for about 3-5 or 10 years?? .....may i know wat is the expected/ preferable % of profit usually people get from their long period of investment? and wat strategy is used to achieve high return/ reasonable % of profit for such a long period of investment...

i think i need to know this...if not....i think i can't find any reason not to repurchase the funds since i will hv 18-20% from my 6 months of total investment in UT....let say i hv invested rm10k...if i repurchase now....i will get rm1.8k-rm2k of profit in 6 months time...

if i switch to bond/money market.....then the NAV of the bond/money market fund will also fluctuate according to the market condition(sometime positive...sometime negative returns)...i also c that the dividend paid only within 2-5% per annum for some bond funds...with tat....i also not consider it a safe place to keep my $$ for future...except some fixed rate fund tat will also produce at least 5% per annum so far until now... like ASM/ASW or etc....

this is just in my mind rite now....i also not sure am i doing the right move....maybe some one here could like to enlighten me....

Jordy,

"- may i know what is the average or highest % profit we can get from UT?
The highest recorded for Public Mutual in a year was 72% for PSMALLCAP.

- may i know wat is the expected/ preferable % of profit usually people get from their long period of investment?
Very subjective. Of course you would expect/prefer returns which is as high as possible. Amount differs from person to person depending on your objective. Many people invest in unit trust because they "hope" to outperform other investment alternatives. If that does happen, then they would be satisfied."

thank u very much for ur answer above...

"- i think i can't find any reason not to repurchase the funds since i will hv 18-20% from my 6 months of total investment in UT
So what happens to the capital + 18% - 20% profit you have made? Does that mean you are satisfied with this 18% - 20%? I have made just over 50% in 7 months time with my investment, but I still stayed invested because I know if I let this go, I may never be able to get it back at the price I bought in. So I don't see how tempting your 18% - 20% is compared to my 50+%"

ic...i don hv any investment experience b4 this....so i don mind if u correct me...
may i know wat should i do...if i know that the fund tat r giving me return of 18% - 20% is going to declare distribution soon....then the NAV will again drop after the distribution...this is wat bothering me now...pls enlighten me....
and about ur 50+%.....mayb i know wat u will do in order to secure ur profit?

"- then the NAV of the bond/money market fund will also fluctuate according to the market condition(sometime positive...sometime negative returns)
Kindly show me a money market fund which made negative returns. Also, I have never seen a bond fund which ended its financial year in the red."

i saw this in the prospectus of PM fund...

PERFORMANCE OF PUBLIC BOND FUND (P BOND)
Annual Total Return for the Financial Years Ended 31 July
                  1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
P BOND (%) 14.96 8.81 5.44 15.55 9.85 2.58 9.43 2.90 8.75 -1.33
12-Month
FD Returns (%) 5.51 3.98 4.24 4.04 3.94 3.70 3.69 3.77 3.76 3.71

PERFORMANCE OF PUBLIC ENHANCED BOND FUND (PEBF)
Annual Total Return for the Financial Years Ended 31 January
                                    2006* 2007 2008 2009
PEBF (%)                        7.02 10.99 7.75 -5.62
12-Month FD Returns (%) 3.64 3.84 3.70 3.67

"- except some fixed rate fund tat will also produce at least 5% per annum so far until now... like ASM/ASW or etc
Are you a Bumiputera? If not, don't even think of using any of the ASx for your savings."

i'm a non-bumi....may i know wat is the reason u said that....pls clarify...

"- i also not sure am i doing the right move....maybe some one here could like to enlighten me
So, now I am here to tell you that you are absolutely WRONG. But I doubt you're going to change your mind, so what is the point of having this statement? "

as i hv said tat i don hv any investment experience b4 this....so i don mind if u correct me and tell me that i'm wrong now... i'm a person who is ready to learn from mistake....thank u so much for correcting my view and mind towards UT...

the point i having the statement: "this is just in my mind rite now....i also not sure am i doing the right move....maybe some one here could like to enlighten me...."

i said that is just to let u know that was wat i am thinking at tat time...
i just hope some ppl here could correct me if i am wrong...
and u hv done it for me by telling me that wat i was thinking is wrong..
thank u so much

btw...may i know wat is Portfolio Turnover Ratio (PTR)?
it is the longer the better or shorted better?