Public Mutual Funds Top 5 Holdings (As 30 April 2008)

Public Saving Fund:
1. Public Bank - 11.18%
2. Sime Darby Berhad - 5.93%
3. IOI Corporation - 4.43%
4. PPB Group Berhad - 3.71%
5. Manulife Insurance (M) Berhad - 3.41%

Public Growth Fund:
1. Public Bank - 11.06%
2. MMC Corporation - 4.48%
3. China National Building Material Company Limited (H Shares) - 4.31%
4. Sarawak Energy Berhad - 3.86%
5. Boustead Holdings Berhad - 3.75%

Public Index Fund:
1. Public Bank - 10.33%
2. Sime Darby Berhad - 8.61%
3. IOI Corporation - 6.64%
4. Malayan Banking Berhad - 5.68%
5. UMW Holdings Berhad - 5.04%

Public Industry Fund:
1. Public Bank - 9.78%
2. Sime Darby Berhad - 8.87%
3. IOI Corporation Berhad - 6.83%
4. UMW Holdings Berhad - 6.40%
5. Genting Berhad - 3.58%

Public Aggressive Growth Fund:
1. Public Bank Berhad - 10.01%
2. Sarawak Energy Berhad - 5.50%
3. China National Building Material Company Limited (H Shares) - 4.88%
4. Boustead Heavy Industries Corp Berhad - 4.45%
5. MMC Corporation Berhad - 4.40%

Public Regular Saving Fund:
1. Public Bank Berhad - 9.56%
2. Sime Darby Berhad - 5.72%
3. TM International Berhad - 4.45%
4. Boustead Holdings Berhad - 4.11%
5. Digi.Com Berhad - 3.77%

Public SmallCap Fund:
1. VADS Berhad - 6.73%
2. Tradewinds (M) Berhad - 4.94%
3. PIE Industrial Berhad - 4.75%
4. Cement Industries of Malaysia Berhad - 4.49%
5. Manulife Insurance (M) Berhad - 4.12%

Public Equity Fund:
1. Public Bank Berhad - 9.69%
2. Boustead Holdings Berhad - 4.56%
3. Sarawak Energy Berhad - 4.34%
4. MMC Corporation Berhad - 4.24%
5. China National Building Material Company Limited (H Shares) - 4.08%

Public Focus Select Fund:
1. LPI Capital Berhad - 3.85%
2. Public Financial Holdings Limited - 3.76%
3. Boustead Holdings Berhad - 3.48%
4. KLCC Property Holdings Berhad - 3.11%
5. Affin Holdings Berhad - 3.06%

Public Dividend Select Fund:
1. Public Bank - 11.25%
2. Sime Darby Berhad - 5.93%
3. IOI Corporation - 4.65%
4. PPB Group Berhad - 3.60%
5. Boustead Holdings Berhad - 3.28%

Public Far East Select Fund:
1. Public Bank Berhad - 7.98%
2. China Mobile Limited - 5.60%
3. China National Building Material Company Limited (H Shares) - 5.07%
4. China Coal Energy Company Limited (H Shares) - 4.50%
5. Boustead Holdings Berhad - 4.46%

Public Regional Sector Fund:
1. Public Bank Berhad - 8.09%
2. China Mobile Limited - 6.54%
3. China Coal Energy Company Limited (H Shares) - 5.72%
4. China National Building Material Company Limited (H Shares) - 5.41%
5. Yanzhou Coal Mining Company Limited (H Shares) - 4.52%

Public Global Select Fund:
1. DWS (CH) - US Equities - 15.03%
2. DWS Invest European Equities (FC) - 10.28%
3. Morgan Stanley American Franchise Fund Class A - 6.97%
4. Public Bank Berhad - 5.76%
5. Chunghwa Telecom Company Limited - 2.01%

Public Far East Dividend Fund:
1. Public Bank Berhad - 8.11%
2. China Mobile Limited - 6.65%
3. UMW Holdings Berhad - 5.55%
4. Wilmar International Limited - 4.14%
5. Bumi Resources Tbk - 4.00%

Public China Select Fund:
1. China Mobile Limited - 6.71%
2. China Construction Bank Corporation (H Shares) - 6.39%
3. Industrial and Commercial Bank of China Limited (H Shares) - 5.41%
4. China Life Insurance Company Limited (H Shares) - 3.26%
5. Taiwan Fertilizer Company Limited - 3.08%

Public Far East Property & Resorts Fund:
1. Kangwon Land Company Limited - 3.96%
2. Guangzhou R&F Properties Company Limited (H Shares) - 3.66%
3. Resorts World Berhad - 3.38%
4. Genting Berhad - 3.17%
5. Yanlord Land Group Limited - 3.11%

Public South East Asia Select Fund:
1. Public Bank Berhad - 8.54%
2. Bumi Resources Tbk - 4.15%
3. Wilmar International Limited - 4.09%
4. Boustead Holdings Berhad - 3.75%
5. Straits Asia Resources Limited - 3.18%

Public Balanced Fund:
1. Public Bank Berhad - 8.83%
2. Berjaya Land Berhad (8.00%/2011) - 6.41%
3. RHB Investment Bank Berhad (5.30%/2012/2017) - 5.38%
4. Injaz Asia-Equity Property Berhad (5.00%/2010) - 4.10%
5. Public Bank Berhad (5.10%/2016/2036) - 4.03%

Public Far East Balanced Fund:
1. Public Bank Berhad - 5.43%
2. Public Bank Berhad (5.10%/2016/2036) - 5.01%
3. RHB Investment Bank Berhad (5.30%/2012/2017) - 4.01%
4. Lembaga Kemajuan Perusahaan Pertanian Negeri Pahang (5.75%/2011) - 3.15%
5. Golden Crop Returns Berhad (5.25%/2010) - 3.10%

Public Global Balanced Fund:
1. DWS(CH) US Equities - 14.46%
2. Malakoff Corporation Berhad (5.883%/2014) - 9.65%
3. Syarikat Bekalan Air Selangor Sendirian Berhad (3.00%/2017) - 7.62%
4. DWS Invest European Equities FC - 7.10%
5. Public Bank Berhad - 5.76%

Public Bond Fund:
1. Public Bank (5.10%/2016/2036) - 14.44%
2. Kerisma Berhad (5.80%/2009) - 10.15%
3. RHB Capital Berhad (7.20%/2011) - 7.93%
4. Transshipment Megahub Berhad (6.70%/2012) - 4.47%
5. Malakoff Corporation Berhad (6.682%/2022) - 4.46%

Public Enhanced Bond Fund:
1. Public Bank (5.10%/2016/2036) - 12.57%
2. RHB Bank Berhad (5.00%/2012) - 7.20%
3. RUN Holding SPV Berhad (2.50%/2011) - 5.77%
4. Valid Ventures Berhad (5.60%/2008) - 5.45%
5. Malayan Banking Berhad (4.00%/2012/2017) - 5.25%

Public Select Bond Fund:
1. RHB Capital (7.15%/2012) - 7.80%
2. Malakoff Corporation Berhad (5.783%/2013) - 5.75%
3. Lembaga Kemajuan Perusahaan Pertanian Negeri Pahang (6.80%/2014) - 5.54%
4. Binariang GSM Sendirian Berhad (5.75%/2015) - 4.93%
5. Berjaya Land Berhad (8.00%/2011) - 2.98%

Public Money Market Fund:
1. Bank Muamalat (M) Berhad (3.58%/3/10/2008) - 4.12%
2. OCBC Bank Malaysia Berhad (30/6/2008) - 1.04%
3. CIMB Bank Berhad (26/6/2008) - 0.83%
4. Public Bank Berhad (29/5/2008) - 0.80%
5. OCBC Bank Malaysia Berhad (27/6/2008) - 0.66%

Public Ittikal Fund:
1. Sime Darby Berhad - 6.32%
2. PPB Group Berhad - 5.08%
3. MMC Corporation - 4.87%
4. TM International Berhad - 4.55%
5. Asiatic Development Berhad - 4.38%

Public Islamic Equity Fund:
1. Sime Darby Berhad - 8.58%
2. IOI Corporation Berhad - 7.47%
3. Digi.Com Berhad - 5.26%
4. MMC Corporation Berhad - 4.10%
5. TM International Berhad - 4.00%

Public Islamic Opportunity Fund:
1. TH Plantations Berhad - 4.92%
2. Progressive Impact Corporation Berhad - 4.80%
3. Public Bank Berhad (3.54%/2008) - 4.52%
4. Alam Maritim Resources Berhad - 4.17%
5. Cement Industries of Malaysia Berhad - 3.28%

Public Islamic Dividend Fund:
1. Sime Darby Berhad - 8.49%
2. IOI Corporation - 6.98%
3. Digi.Com Berhad - 5.18%
4. PPB Group Berhad - 3.88%
5. TM International Berhad - 3.51%

Public Asia Ittikal Fund:
1. China Mobile Limited - 4.91%
2. Samsung Electronics Company Limited - 3.78%
3. Public Bank Berhad (3.54%/2008) - 3.73%
4. Taiwan Semiconductor Manufacturing Company Limited - 3.64%
5. Sime Darby Berhad - 3.37%

Public Islamic Asia Dividend Fund:
1. China Mobile Limited - 4.38%
2. Digi.Com Berhad - 4.37%
3. Sime Darby Berhad - 3.46%
4. Samsung Electronic Company Limited - 3.05%
5. Far Eastone Telecommunications Company Limited - 2.89%

Public Islamic Balanced Fund:
1. Sime Darby Berhad - 8.54%
2. Rantau Abang Capital Berhad (4.39%/2011) - 7.09%
3. UMW Holdings Berhad - 4.03%
4. Golden Crop Returns Berhad (5.25%/2010) - 3.67%
5. IOI Corporation Berhad - 3.48%

Public Islamic Asia Balanced Fund:
1. Public Bank Berhad (3.53%/2008) - 7.15%
2. Sime Darby Berhad - 5.07%
3. UMW Holdings Berhad - 4.83%
4. China Mobile Limited - 4.09%
5. Golden Crop Returns Berhad (5.25%/2010) - 3.76%

Public Islamic Bond Fund:
1. Rantau Abang Capital Berhad (4.39%/2011) - 9.95%
2. Malakoff Corporation Berhad (5.783%/2013) - 7.84%
3. Government Investment Issue (3.82%/2016) - 5.40%
4. Binariang GSM Sendirian Berhad (5.90%/2016) - 4.61%
5. Syarikat Bekalan Air Selangor Sendirian Berhad (5.20%/2014) - 4.51%

Public Islamic Enhanced Bond Fund:
1. MTD Infraperdana Berhad (5.43%/2020) - 9.91%
2. Lembaga Kemajuan Perusahaan Pertanian Pahang (7.15%/2015) - 7.72%
3. Malakoff Corporation Berhad (6.682%/2022) - 6.82%
4. Binariang GSM Sendirian Berhad (5.90%/2016) - 6.70%
5. Cagamas Berhad (3.83%/2009) - 6.63%

Public Islamic Select Bond Fund:
1. SAJ Holdings Sendirian Berhad (7.05%./2014) - 12.04%
2. Rantau Abang Capital Berhad (4.91%/2013) - 11.46%
3. Binariang GSM Sendirian Berhad (5.65%/2014) - 11.26%
4. Diversified Venue Sendirian Berhad (5.35%/2013) - 11.23%
5. Westports Malaysia Sendirian Berhad (4.54%/2013) - 11.12%

Public Islamic Money Market Fund:
1. Malakoff Corporation Berhad (30/10/2008) - 11.79%
2. MISC Berhad (08/08/2008) - 10.58%
3. Public Bank Berhad (3.53%/2/6/2008) - 9.98%
4. Bank Muamalat Malaysia Berhad (3.56%/19/6/2008) - 6.64%
5. Perbadanan Kemajuan Negeri Selangor (25/7/2008) - 6.62%

Public Mutual Funds Performance:

Table cannot be displayed properly...still trying...

This post has been edited by leekk8: Jun 17 2008, 05:43 PM

As an investors, we need to monitor our investment. By having this info, actually we can know if the fund manager really invest our money according to the investment strategies. Although this info is a bit outdated, this info is the latest info available and normally unit trust funds do not change their portfolio very frequent. I never see any equity/balanced fund which have totally different top 5 holdings in 2 consecutive months. If yes, this is another indicator to investors, fund managers may not do homework before they invest earlier.

Anyway, if most of you feel that it's useless, I will not post again to save the space of the forum.

Jordy, it is ok...I also just want to share some information that I have and I am opened to any comments, since here is a forum, and forum is a place for discussion. I said so earlier just because I understand resources of forum servers are limited, if the info is useless, we should not waste the resources but keep it for other useful info.

In fact, it's a sad case when some of the investors know nothing about unit trust and know nothing about their investment even they have invested in unit trust for few years. As an investors, we should learn about the investment tool that we use, at least the basic knowledge, so that we can know better about our investment and revise our financial plan periodically in order to achieve our goal. Unit trust agent should educate their clients instead of just recommend fund to their clients.

Anyway, I will continue to post this info every month here so that we can monitor the real investment strategies of public mutual fund managers.

Yes, 3G and 3.5G are the big challenges for Telco now. Maxis and Celcom do not seemed like making good money from 3G, the biggest problem is the quality. Since the 3G service is not cheap, quality must be good to get more subscribers on that.

As I know, China has not launched 3G officially, but in HK, Spore and Taiwan, there are. As what Jordy said, telco spent a lot to implement the infrastructure, after that, just maintain the service quality to make money.

In fact, from my experience in telco line, telco main profit comes from international business, like IDD and roaming.

Just share my opinion here. The communications are going to be internet centred, I can say yes. In fact, why internet can be cheaper than making call? It's because internet is using IP while GSM is using E1, where the cost is higher than IP. Anyway, most of the telco now are changing their bearer from E1 to IP, to cut down the cost and increase profit margin.

International roaming business cannot be replaced by internet based communication, as mobile phone is much more convenient than a laptop with internet access. Both of these have their own role to play. I believe in Asia currently, its hard to get free WIFI around town (at least KL still don't have currently), if we want to access to the internet using mobile phone, we still need to hook up to 3G or HSDPA network.

IDD calls now are much lower rate than previously. I myself make international calls quite often, I still prefer to call using mobile phone instead of chat through internet, as the quality is better. Internet is good for transferring files.

Public Mutual Funds Top 5 Holdings (30 May 2008):

Public Saving Fund:
1. Public Bank - 10.00%
2. Sime Darby Berhad - 5.80%
3. Bumiputra Commerce Holdings Berhad (28/11/2008) - 4.97%
4. IOI Corporation - 4.47%
5. Wilmar International Limited - 3.54%

Public Growth Fund:
1. Public Bank - 9.95%
2. China National Building Material Company Limited (H Shares) - 4.70%
3. Sarawak Energy Berhad - 4.49%
4. MMC Corporation - 4.25%
5. Tenaga Nasional Berhad - 4.21%

Public Index Fund:
1. Public Bank - 9.77%
2. Sime Darby Berhad - 8.67%
3. IOI Corporation - 6.97%
4. Malayan Banking Berhad - 5.25%
5. UMW Holdings Berhad - 4.93%

Public Industry Fund:
1. Public Bank - 9.58%
2. Sime Darby Berhad - 8.53%
3. IOI Corporation Berhad - 6.88%
4. UMW Holdings Berhad - 6.18%
5. Genting Berhad - 3.41%

Public Aggressive Growth Fund:
1. Public Bank Berhad - 10.22%
2. Sarawak Energy Berhad - 6.22%
3. China National Building Material Company Limited (H Shares) - 5.46%
4. Boustead Heavy Industries Corp Berhad - 4.22%
5. IJM Plantations Berhad - 4.09%

Public Regular Saving Fund:
1. Public Bank Berhad - 9.69%
2. Sime Darby Berhad - 5.52%
3. TM International Berhad - 4.82%
4. Boustead Holdings Berhad - 4.30%
5. Tenaga Nasional Berhad - 4.13%

Public SmallCap Fund:
1. VADS Berhad - 7.10%
2. Cement Industries of Malaysia Berhad - 4.65%
3. PIE Industrial Berhad - 4.38%
4. Hong Leong Industries Berhad - 3.77%
5. Manulife Insurance (M) Berhad - 3.56%

Public Equity Fund:
1. Public Bank Berhad - 9.67%
2. Sarawak Energy Berhad - 5.11%
3. China National Building Material Company Limited (H Shares) - 5.00%
4. Boustead Holdings Berhad - 4.55%
5. Tenaga Nasional Berhad - 4.33%

Public Focus Select Fund:
1. Tradewinds Plantation Capital Sendirian Berhad (18/6/2008) - 8.48%
2. LPI Capital Berhad - 3.91%
3. Public Financial Holdings Limited - 3.64%
4. Boustead Holdings Berhad - 3.57%
5. Sarawak Energy Berhad - 3.54%

Public Dividend Select Fund:
1. Public Bank - 9.61%
2. IOI Corporation - 6.70%
3. Sime Darby Berhad - 5.82%
4. PPB Group Berhad - 3.76%
5. Tradewinds Plantation Capital Sendirian Berhad (18/6/2008) - 3.68%

Public Far East Select Fund:
1. Public Bank Berhad - 7.82%
2. Datang International Power Generation Company Limited (H Shares) - 6.73%
3. China National Building Material Company Limited (H Shares) - 5.22%
4. Boustead Holdings Berhad - 4.21%
5. Sarawak Energy Berhad - 4.08%

Public Regional Sector Fund:
1. Public Bank Berhad - 7.98%
2. China National Building Material Company Limited (H Shares) - 5.69%
3. China Mobile Limited - 5.00%
4. China Coal Energy Company Limited (H Shares) - 4.68%
5. Anhui Conch Cement Company Limited (H Shares) - 4.20%

Public Global Select Fund:
1. DWS (CH) - US Equities - 15.83%
2. DWS Invest European Equities (FC) - 10.61%
3. Morgan Stanley American Franchise Fund Class A - 7.09%
4. Public Bank Berhad - 5.76%
5. SembCorp Marine Limited - 2.08%

Public Far East Dividend Fund:
1. Public Bank Berhad - 7.87%
2. UMW Holdings Berhad - 5.30%
3. China Mobile Limited - 5.05%
4. Wilmar International Limited - 4.50%
5. Bumi Resources Tbk - 4.23%

Public China Select Fund:
1. China Construction Bank Corporation (H Shares) - 6.35%
2. China Mobile Limited - 6.01%
3. Industrial and Commercial Bank of China Limited (H Shares) - 5.60%
4. Taiwan Fertilizer Company Limited - 3.15%
5. China Life Insurance Company Limited (H Shares) - 3.09%

Public Far East Property & Resorts Fund:
1. Kangwon Land Company Limited - 4.67%
2. Resorts World Berhad - 3.32%
3. Guangzhou R&F Properties Company Limited (H Shares) - 3.23%
4. Genting Berhad - 3.10%
5. Yanlord Land Group Limited - 2.95%

Public South East Asia Select Fund:
1. Public Bank Berhad - 8.14%
2. Straits Asia Resources Limited - 5.19%
3. Bumi Resources Tbk - 4.38%
4. Boustead Holdings Berhad - 3.75%
5. Sarawak Energy Berhad - 3.03%

Public Sector Select Fund:
1. Public Bank Berhad - 9.57%
2. TM International Berhad - 5.23%
3. Tradewinds (M) Berhad - 5.13%
4. Boustead Holdings Berhad - 5.03%
5. Sarawak Energy Berhad - 4.99%

Public Balanced Fund:
1. Public Bank Berhad - 8.25%
2. Malakoff Corporation Berhad (30/10/2008) - 6.44%
3. Berjaya Land Berhad (8.00%/2011) - 6.32%
4. RHB Investment Bank Berhad (5.30%/2012/2017) - 5.29%
5. Public Bank Berhad (5.10%/2016/2036) - 3.97%

Public Far East Balanced Fund:
1. Public Bank Berhad - 5.51%
2. Public Bank Berhad (5.10%/2016/2036) - 5.02%
3. RHB Investment Bank Berhad (5.30%/2012/2017) - 4.02%
4. Malakoff Corporation Berhad (5.883%/2014) - 3.08%
5. Lembaga Kemajuan Perusahaan Pertanian Negeri Pahang (5.75%/2011) - 3.08%

Public Global Balanced Fund:
1. DWS(CH) US Equities - 15.28%
2. Malakoff Corporation Berhad (5.883%/2014) - 9.54%
3. Syarikat Bekalan Air Selangor Sendirian Berhad (3.00%/2017) - 7.47%
4. DWS Invest European Equities FC - 7.35%
5. Public Bank Berhad - 5.78%

Public Bond Fund:
1. Public Bank (5.10%/2016/2036) - 14.46%
2. Kerisma Berhad (5.80%/2009) - 10.25%
3. RHB Capital Berhad (7.20%/2011) - 7.98%
4. Public Bank Berhad (4.73%/2013/2018) - 5.19%
5. Malakoff Corporation Berhad (6.682%/2022) - 4.42%

Public Enhanced Bond Fund:
1. Public Bank (5.10%/2016/2036) - 12.56%
2. RHB Bank Berhad (5.00%/2012) - 7.04%
3. Malayan Banking Berhad (4.00%/2012/2017) - 6.11%
4. Valid Ventures Berhad (5.60%/2008) - 5.34%
5. Public Bank Berhad (4.73%/2013/2018) - 5.32%

Public Select Bond Fund:
1. RHB Capital (7.15%/2012) - 7.88%
2. Berjaya Land Berhad (8.00%/2011) - 7.14%
3. Malakoff Corporation Berhad (30/10/2008) - 6.89%
4. Malakoff Corporation Berhad (5.783%/2013) - 5.79%
5. RUN Holding SPV Berhad (2.50%/2011) - 5.74%

Public Money Market Fund:
1. Public Bank Berhad (3.55%/14/08/2008) - 6.02%
2. Bank Muamalat (M) Berhad (3.58%/3/10/2008) - 3.95%
3. CIMB Bank Berhad (3.54%/5/6/2008) - 3.02%
4. CIMB Bank Berhad (3.54%/10/6/2008) - 3.02%
5. CIMB Bank Berhad (3.55%/11/8/2008) - 3.01%

Public Ittikal Fund:
1. Sime Darby Berhad - 5.93%
2. Sarawak Energy Berhad - 4.96%
3. TM International Berhad - 4.93%
4. PPB Group Berhad - 4.92%
5. China National Building Material Company Limited (H Shares) - 4.62%

Public Islamic Equity Fund:
1. Sime Darby Berhad - 9.30%
2. IOI Corporation Berhad - 9.02%
3. Digi.Com Berhad - 5.85%
4. TM International Berhad - 5.28%
5. PPB Group Berhad - 3.58%

Public Islamic Opportunity Fund:
1. Public Bank Berhad (3.54%/30/6/2008) - 8.88%
2. Progressive Impact Corporation Berhad - 5.07%
3. TH Plantations Berhad - 4.83%
4. Public Bank Berhad (3.53%/9/6/2008) - 4.45%
5. Alam Maritim Resources Berhad - 4.23%

Public Islamic Dividend Fund:
1. Sime Darby Berhad - 9.08%
2. IOI Corporation - 8.83%
3. Digi.Com Berhad - 6.71%
4. PPB Group Berhad - 4.88%
5. TM International Berhad - 3.60%

Public Asia Ittikal Fund:
1. Samsung Electronics Company Limited - 5.57%
2. China Mobile Limited - 4.28%
3. Public Bank Berhad (3.54%/2008) - 3.73%
4. Taiwan Semiconductor Manufacturing Company Limited - 3.65%
5. Sime Darby Berhad - 3.32%

Public Islamic Asia Dividend Fund:
1. Samsung Electronic Company Limited - 5.81%
2. Digi.Com Berhad - 5.49%
3. China Mobile Limited - 4.36%
4. Sime Darby Berhad - 4.14%
5. Taiwan Mobile Company Limited - 3.64%

Public Islamic Sector Select Fund:
1. Digi.Com Berhad - 6.90%
2. PPB Group Berhad - 6.29%
3. MMC Corporation Berhad - 5.44%
4. Tradewinds (M) Berhad - 4.84%
5. TM International Berhad - 4.78%

Public China Ittikal Fund:
1. China Mobile Limited - 8.57%
2. Taiwan Semiconductor Manufacturing Company Limited - 3.98%
3. PetroChina Company Limited - 3.68%
4. CNOOC Limited - 3.63%
5. Taiwan Fertilizer Company Limited - 3.18%

Public Islamic Balanced Fund:
1. Sime Darby Berhad - 7.66%
2. Rantau Abang Capital Berhad (4.39%/2011) - 6.98%
3. Malakoff Corporation Berhad (30/10/2008) - 5.08%
4. UMW Holdings Berhad - 3.93%
5. IOI Corporation Berhad - 3.63%

Public Islamic Asia Balanced Fund:
1. Public Bank Berhad (3.53%/2008) - 7.10%
2. Sime Darby Berhad - 4.98%
3. UMW Holdings Berhad - 4.76%
4. Kapar Energy Ventures Sendirian Berhad (7.00%/2014) - 4.05%
5. Kesas Sendirian Berhad (6.85%/2009) - 3.70%

Public Islamic Bond Fund:
1. Rantau Abang Capital Berhad (4.39%/2011) - 10.10%
2. Malakoff Corporation Berhad (5.783%/2013) - 7.92%
3. Government Investment Issue (3.82%/2016) - 5.31%
4. Binariang GSM Sendirian Berhad (5.90%/2016) - 4.72%
5. Syarikat Bekalan Air Selangor Sendirian Berhad (5.20%/2014) - 4.60%

Public Islamic Enhanced Bond Fund:
1. MTD Infraperdana Berhad (5.43%/2020) - 9.84%
2. Lembaga Kemajuan Perusahaan Pertanian Pahang (7.15%/2015) - 7.58%
3. Binariang GSM Sendirian Berhad (5.90%/2016) - 6.89%
4. Malakoff Corporation Berhad (6.682%/2022) - 6.85%
5. Tradewinds Plantation Capital Sendirian Berhad (18/6/2008) - 6.71%

Public Islamic Select Bond Fund:
1. SAJ Holdings Sendirian Berhad (7.05%./2014) - 12.13%
2. Binariang GSM Sendirian Berhad (5.65%/2014) - 11.55%
3. Diversified Venue Sendirian Berhad (5.35%/2013) - 11.37%
4. Westports Malaysia Sendirian Berhad (4.54%/2013) - 11.26%
5. Rantau Abang Capital Berhad (4.10%/2012) - 11.24%

Public Islamic Money Market Fund:
1. Malakoff Corporation Berhad (30/10/2008) - 12.03%
2. MISC Berhad (08/08/2008) - 10.78%
3. Public Bank Berhad (3.53%/2/6/2008) - 10.18%
4. Bank Muamalat Malaysia Berhad (3.56%/19/6/2008) - 6.77%
5. Perbadanan Kemajuan Negeri Selangor (25/7/2008) - 6.75%

Public Mutual Funds Top 5 Holdings (30 Jun 2008):

Public Saving Fund:
1. Public Bank - 9.78%
2. Bumiputra Commerce Holdings Berhad (28/11/2008) - 5.43%
3. Malakoff Corporation Berhad (30/10/2008) - 4.36%
4. LPI Capital Berhad - 3.53%
5. Sime Darby Berhad - 3.51%

Public Growth Fund:
1. Public Bank - 9.83%
2. Tenaga Nasional Berhad - 5.13%
3. Sarawak Energy Berhad - 5.03%
4. China National Building Material Company Limited (H Shares) - 4.76%
5. Boustead Holdings Berhad - 4.57%

Public Index Fund:
1. Public Bank - 9.99%
2. Sime Darby Berhad - 8.49%
3. IOI Corporation - 7.00%
4. Malayan Banking Berhad - 5.28%
5. UMW Holdings Berhad - 5.19%

Public Industry Fund:
1. Public Bank - 9.43%
2. Sime Darby Berhad - 8.74%
3. IOI Corporation Berhad - 7.18%
4. UMW Holdings Berhad - 6.16%
5. Genting Berhad - 3.38%

Public Aggressive Growth Fund:
1. Public Bank Berhad - 10.56%
2. Sarawak Energy Berhad - 7.34%
3. China National Building Material Company Limited (H Shares) - 5.19%
4. Boustead Holdings Berhad - 5.02%
5. Boustead Heavy Industries Corp Berhad - 4.55%

Public Regular Saving Fund:
1. Public Bank Berhad - 9.55%
2. Sime Darby Berhad - 5.60%
3. Boustead Holdings Berhad - 4.92%
4. Tenaga Nasional Berhad - 4.71%
5. Sarawak Energy Berhad - 4.41%

Public SmallCap Fund:
1. VADS Berhad - 7.34%
2. Cement Industries of Malaysia Berhad - 4.94%
3. PIE Industrial Berhad - 4.48%
4. Hong Leong Industries Berhad - 4.06%
5. KrisAssets Holdings Berhad - 3.80%

Public Equity Fund:
1. Public Bank Berhad - 9.90%
2. Sarawak Energy Berhad - 5.67%
3. Boustead Holdings Berhad - 5.26%
4. Tenaga Nasional Berhad - 5.23%
5. China National Building Material Company Limited (H Shares) - 4.66%

Public Focus Select Fund:
1. LPI Capital Berhad - 4.21%
2. Boustead Holdings Berhad - 3.88%
3. Sarawak Energy Berhad - 3.79%
4. IJM Corporation Limited Berhad - 3.34%
5. Affin Holdings Berhad - 3.07%

Public Dividend Select Fund:
1. Public Bank - 9.42%
2. Bumiputra Commerce Holdings Berhad (28/11/2008) - 3.94%
3. Tradewinds Plantation Capital Sendirian Berhad (18/12/2008) - 3.93%
4. PPB Group Berhad - 3.87%
5. Boustead Holdings Berhad - 3.60%

Public Far East Select Fund:
1. Public Bank Berhad - 8.34%
2. Datang International Power Generation Company Limited (H Shares) - 6.91%
3. China National Building Material Company Limited (H Shares) - 5.61%
4. Boustead Holdings Berhad - 5.05%
5. Sarawak Energy Berhad - 4.78%

Public Regional Sector Fund:
1. Public Bank Berhad - 8.37%
2. China National Building Material Company Limited (H Shares) - 6.04%
3. China Mobile Limited - 4.84%
4. Anhui Conch Cement Company Limited (H Shares) - 4.19%
5. China Coal Energy Company Limited (H Shares) - 3.84%

Public Global Select Fund:
1. DWS (CH) - US Equities - 14.78%
2. DWS Invest European Equities (FC) - 11.01%
3. Morgan Stanley American Franchise Fund Class A - 7.23%
4. Public Bank Berhad - 5.72%
5. Chunghwa Telecom Company Limited - 2.26%

Public Far East Dividend Fund:
1. Public Bank Berhad - 7.98%
2. UMW Holdings Berhad - 5.44%
3. China Mobile Limited - 4.22%
4. Wilmar International Limited - 4.13%
5. Bumi Resources Tbk - 3.87%

Public China Select Fund:
1. China Construction Bank Corporation (H Shares) - 6.58%
2. China Mobile Limited - 6.30%
3. Industrial and Commercial Bank of China Limited (H Shares) - 5.88%
4. Chunghwa Telecom Company Limited - 3.47%
5. China Life Insurance Company Limited (H Shares) - 3.09%

Public Far East Property & Resorts Fund:
1. Kangwon Land Company Limited - 4.43%
2. Genting Berhad - 3.29%
3. Selangor Properties Berhad - 3.15%
4. Resorts World Berhad - 3.09%
5. Yanlord Land Group Limited - 2.98%

Public South East Asia Select Fund:
1. Public Bank Berhad - 7.99%
2. Boustead Holdings Berhad - 4.67%
3. Straits Asia Resources Limited - 4.49%
4. Bumi Resources Tbk - 3.76%
5. Sarawak Energy Berhad - 3.44%

Public Sector Select Fund:
1. Public Bank Berhad - 9.38%
2. Boustead Holdings Berhad - 5.50%
3. Sarawak Energy Berhad - 5.37%
4. Tradewinds (M) Berhad - 5.33%
5. Lafarge Malayan Cement Berhad - 5.03%

Public Balanced Fund:
1. Public Bank Berhad - 8.23%
2. Malakoff Corporation Berhad (30/10/2008) - 7.12%
3. Berjaya Land Berhad (8.00%/2011) - 6.90%
4. RHB Investment Bank Berhad (5.30%/2012/2017) - 5.54%
5. Public Bank Berhad (5.10%/2016/2036) - 5.31%

Public Far East Balanced Fund:
1. Public Bank Berhad - 5.56%
2. Public Bank Berhad (5.10%/2016/2036) - 5.10%
3. RHB Investment Bank Berhad (5.30%/2012/2017) - 4.26%
4. China National Building Material Company Limited (H Shares) - 3.67%
5. Malakoff Corporation Berhad (5.883%/2014) - 3.27%

Public Global Balanced Fund:
1. DWS(CH) US Equities - 13.97%
2. Malakoff Corporation Berhad (5.883%/2014) - 9.80%
3. Syarikat Bekalan Air Selangor Sendirian Berhad (3.00%/2017) - 7.59%
4. DWS Invest European Equities FC - 7.50%
5. Public Bank Berhad - 5.64%

Public Bond Fund:
1. Public Bank (5.10%/2016/2036) - 13.61%
2. Kerisma Berhad (5.80%/2009) - 9.53%
3. Public Bank Berhad (4.73%/2013/2018) - 5.57%
4. RHB Capital Berhad (7.20%/2011) - 5.09%
5. Valid Ventures Berhad (6.15%/2010) - 4.69%

Public Enhanced Bond Fund:
1. Public Bank (5.10%/2016/2036) - 10.87%
2. RHB Bank Berhad (5.00%/2012) - 7.58%
3. Malayan Banking Berhad (4.00%/2012/2017) - 6.67%
4. Valid Ventures Berhad (5.60%/2008) - 5.93%
5. Public Bank Berhad (4.73%/2013/2018) - 5.75%

Public Select Bond Fund:
1. RHB Capital (7.15%/2012) - 8.34%
2. Berjaya Land Berhad (8.00%/2011) - 7.69%
3. RUN Holding SPV Berhad (2.50%/2011) - 6.16%
4. Malakoff Corporation Berhad (5.783%/2013) - 6.03%
5. RHB Capital Berhad (7.20%/2011) - 5.69%

Public Money Market Fund:
1. Public Bank Berhad (3.55%/14/08/2008) - 3.84%
2. CIMB Bank Berhad (3.95%/19/6/2008) - 3.82%
3. Public Bank Berhad (3.52%/14/07/2008) - 2.55%
4. Public Investment Bank Berhad (3.54%/21/7/2008) - 2.55%
5. Public Investment Bank Berhad (3.55%/19/8/2008) - 2.55%

Public Ittikal Fund:
1. Sime Darby Berhad - 6.09%
2. Sarawak Energy Berhad - 5.27%
3. Tenaga Nasional Berhad - 5.23%
4. China National Building Material Company Limited (H Shares) - 5.09%
5. PPB Group Berhad - 4.92%

Public Islamic Equity Fund:
1. Sime Darby Berhad - 9.36%
2. IOI Corporation Berhad - 9.12%
3. Malakoff Corporation Berhad (30/10/2008) - 5.52%
4. Digi.Com Berhad - 5.46%
5. Tenaga Nasional Berhad - 5.33%

Public Islamic Opportunity Fund:
1. Public Bank Berhad (3.53%/1/8/2008) - 6.38%
2. TH Plantations Berhad - 5.08%
3. Alam Maritim Resources Berhad - 4.40%
4. Progressive Impact Corporation Berhad - 3.74%
5. Cement Industries of Malaysia Berhad - 3.72%

Public Islamic Dividend Fund:
1. Sime Darby Berhad - 9.11%
2. IOI Corporation - 8.90%
3. Digi.Com Berhad - 6.23%
4. Tenaga Nasional Berhad - 5.50%
5. Public Bank Berhad (3.53%/01/8/2008) - 5.34%

Public Asia Ittikal Fund:
1. Samsung Electronics Company Limited - 5.12%
2. Sime Darby Berhad - 3.54%
3. China Mobile Limited - 3.53%
4. Taiwan Semiconductor Manufacturing Company Limited - 3.49%
5. POSCO - 3.33%

Public Islamic Asia Dividend Fund:
1. Digi.Com Berhad - 5.50%
2. Samsung Electronic Company Limited - 5.41%
3. Sime Darby Berhad - 4.48%
4. Taiwan Semiconductor Manufacturing Company Limited - 3.77%
5. Far Eastone Telecommunications Company Limited - 3.53%

Public Islamic Sector Select Fund:
1. Digi.Com Berhad - 6.73%
2. PPB Group Berhad - 6.45%
3. Tenaga Nasional Berhad - 5.06%
4. Sarawak Energy Berhad - 5.03%
5. Tradewinds (M) Berhad - 5.03%

Public China Ittikal Fund:
1. China Mobile Limited - 8.57%
2. Taiwan Semiconductor Manufacturing Company Limited - 3.98%
3. PetroChina Company Limited - 3.68%
4. CNOOC Limited - 3.63%
5. Taiwan Fertilizer Company Limited - 3.18%

Public Islamic Balanced Fund:
1. Sime Darby Berhad - 7.58%
2. Rantau Abang Capital Berhad (4.39%/2011) - 7.27%
3. Golden Crop Returns Berhad (5.25%/2010) - 5.51%
4. Malakoff Corporation Berhad (30/10/2008) - 5.37%
5. UMW Holdings Berhad - 3.79%

Public Islamic Asia Balanced Fund:
1. Sime Darby Berhad - 5.30%
2. UMW Holdings Berhad - 4.76%
3. Kapar Energy Ventures Sendirian Berhad (7.00%/2014) - 4.30%
4. Kesas Sendirian Berhad (6.85%/2009) - 4.02%
5. Lembaga Kemajuan Perusahaan Pertanian Negeri Pahang (5.75%/2011) - 3.96%

Public Islamic Bond Fund:
1. Rantau Abang Capital Berhad (4.39%/2011) - 10.85%
2. Malakoff Corporation Berhad (5.783%/2013) - 8.24%
3. Government Investment Issue (3.82%/2016) - 5.48%
4. Syarikat Bekalan Air Selangor Sendirian Berhad (5.20%/2014) - 4.81%
5. Binariang GSM Sendirian Berhad (5.90%/2016) - 4.71%

Public Islamic Enhanced Bond Fund:
1. MTD Infraperdana Berhad (5.43%/2020) - 9.93%
2. Lembaga Kemajuan Perusahaan Pertanian Pahang (7.15%/2015) - 7.99%
3. Tradewinds Plantation Capital Sendirian Berhad (18/12/2008) - 7.19%
4. Binariang GSM Sendirian Berhad (5.90%/2016) - 6.91%
5. Alam Maritim Resources Berhad (5.30%/2017) - 6.87%

Public Islamic Select Bond Fund:
1. Tradewinds Plantation Capital Sendirian Berhad (18/12/2008) - 17.47%
2. SAJ Holdings Sendirian Berhad (7.05%./2014) - 9.28%
3. Lembaga Kemajuan Perusahaan Pertanian Negeri Pahang (5.75%/2011) - 9.08%
4. Golden Crop Returns Berhad (5.25%/2010) - 9.00%
5. Bumiputra Commerce Holdings Berhad (5.05%/2013) - 8.71%

Public Islamic Money Market Fund:
1. Malakoff Corporation Berhad (30/10/2008) - 10.70%
2. MISC Berhad (08/08/2008) - 7.51%
3. Public Bank Berhad (3.54%/12/8/2008) - 6.10%
4. Public Bank Berhad (3.53%/2/9/2008) - 6.09%
5. KAF Investment Bank Berhad (3.55%/21/7/2008) - 4.70%

If you think the market will go up soon, then you should switch to equity fund. I guess the agent is thinking the market will continue drop, so he switch your mom's fund to PMMF. PMMF is a fund for us to park our fund temporarily when market is dropping. PMMF is a very conservative fund, which normally won't suffer from loss and the return is around 3-4%.

The problem is nobody can know when the market will be at the bottom. You assume markets recover by then at 20% growth, in fact, most of the people only aware of the market recover after the market has recovered for 50% or more. Why many people cannot earn money from investment? I think is because most people aware the market crash only when market has been down for 50% (like now) and aware the market recover when market has recovered for 50%. So, they always buy high, sell low.

In fact, what I observe is, after 97/98, many people is too scared about investment, and the market is not booming until 2006. The KLCI stay around 600-800 most of the time (although there is some high points at 1999 and 2002). People still remember about the 97/98 until the KLCI go up to 1000 at 2006, people start to think about investment...then early 2007 only really go in investment, and market is booming...so most of the people actually only dare to go in when the market is really high (which people think the rising trend is very clear). But, what happen next? Market is going up for 1 year, then drop dramastically to 800++ in 1 year time. That's why most of the people said cannot earn money from investment. They always buy high sell low.

Yes, everyone knows that buy low sell high is the way to earn money in investment, but in fact, most of the people still not dare to buy low. They always buy high, then market drops, they sell low. That's why most of the people said that stocks or funds cannot make money, but lose money.

In stock and fund investment, knowledge is not everything. Mindset and discipline is the most important aspect, and they will determine whether you can make money or lose money.

Nobody can predict the bottom point accurately...you see the price started to rise, but it might go down again after you buy. If you want to predict the market, you will always buy at high...and eventually buy high sell low.

Don't predict the market...since the market now has dropped for 50% from the peak, it's definitely a good time to go in...the strategies will be monthly top up for 2-3 years, then definitely you can catch the bottom...this is the only way to buy low...

You are correct...if you get a negative value for profit, that means u suffer a loss.

There is no stated minimum period before selling, but I think it's quite impossible to get return in 1 day, as there is 5.5% service charge. Anyway, some funds are very volatile and can go up and down more than 5.5% in 1 day. Just normally we invest unit trust is to get long term return, so seldom sell in so short period.

I agree with you that 3-5 years might not be long term...but just want to highlight and don't want anyone confuse seeing this statement. Investing for long term like 20-30 years, doesn't mean that you invest now and only look at it after 20-30 years. No matter what type of investment, we should monitor and review our investment periodically, as well as adjusting our strategies accordingly. It's definitely not the correct way if you invest now and only check the performance after 20-30 years. How frequent you should monitor and review your investment? This depends on what kind of investment tools, and how free and interested are you to monitor it. My personal view, unit trust, we should at least review it once a year, and for stocks, we should at least review it once a quarter.

Put in some money then you can learn faster through experience. Read oversea books just can give you a basic idea, but not everything can be applied in Msia.

Index fund, look at ETF. Other than that, OSKUOB KLCI Tracker is not bad also. The charge is lower, its around 1% when buy and sell.

Just to highlight, there is no fund allowed to invest 100% in stocks, as fund manager is ready-buyer, unitholder can repurchase the units anytime, so fund manager must allocate some cash to buy back the units from unitholders.

Yes, PIX is not a real index fund, as in the prospectus, its investment strategies states only around 60% of NAV will be invested in index-linked stocks. This is the reason why Public Mutual charge normal service charge for this fund.

OSKUOB KLCI Tracker is a passive managed fund, which has lower service charge. Sure the charge will not be as low as US, because overall the service charge of mutual funds in Msia is higher than US or other countries. This is not the matter of fund type, but the matter of different countries.

If you can direct invest in US funds, its always a good choice for you to direct invest there.

The only PM funds that invest in US are PGSF and PGBF, their investment in US is around 20%.