looking for a decent savings as well as lower fee.

currently i am with PUBLIC ISLAMIC ASIA TACTICAL ALLOCATION FUND

Just what is the definition of "mid tier" ?
Any quantifiable criteria?

Else could be subjective as your acceptable risk level may not be acceptable to or same as others

i'm looking risk level 4

Not exactly clearer than before.

PMB(pelaburan mara berhad) funds are much better than public mutual.

Try see the PMB shariah aggressive and PMB shariah growth funds.

Alright, i am looking at risk that is not too volatile. Or perhaps you could explain so that we can be in sync ?

I am already in public mutual. Not looking to go out elsewhere for now but thanks for sharing.

as per your 1st post "looking for a decent savings as well as lower fee"....

i think there is limited options to choose....i think you have only e series of funds to choose as they have "cheaper" sales charge than non e series funds

e series funds
https://www.publicmutual.com.my/Our-Product...-and-Affordable

This post has been edited by MUM: Jun 24 2021, 01:03 PM

Oh ok, thanks again.

Btw for the fund below, do you have any opinion about it ?

PUBLIC ISLAMIC ASIA TACTICAL ALLOCATION FUND

This post has been edited by bananajoe: Jun 24 2021, 01:16 PM

my view, just my view as a non qualified advisor but "IF" as a buyer of this fund....
i don't liked the way the annual ROI moved,....too big a variance annually
also i don't liked the huge sales charge amount





Attached thumbnail(s)

Oh ok. I was wondering if you have preferred list of funds that i can look at. Sorry, am ust new here.

prefer shariah?

wanna low fee ?.....the only way is stick to e series aje

this fund is risk 5 bo

if wanna risk risk 4, u only can get balance/mix asset fund lo

This post has been edited by ironman16: Jun 24 2021, 02:20 PM

the list i had in mind may not contain funds from public mutual which you don't want,...
why no public mutual funds?, ...... well, hefty sales charge & available of switching fees

Oh ok. No worries then. Tq

So whats the cons and pro at risk 5 ? Am still learning btw.

MISMATCH OF FUND’S RISK PROFILES WITH FINANCIAL GOALS

Matching your fund’s risk profile with your investment objectives is an important determining factor for investment success.
Investors need to first identify their risk appetite before a suitable portfolio can be built.
By identifying the level of risk that they are comfortable in taking, financially and emotionally, they can then decide the types of funds that are appropriate for them.

However, a common error that investors make is not assessing their risk profiles properly.
Because of this, investors tend to buy funds that do not match their actual risk profiles. For example, for conservative investors, their primary goal would be to achieve regular income.
As such, they should not select aggressive funds but instead go for balanced or bond funds.
Conservative investors may not have the temperament to withstand the high volatility of equity funds while investors who are looking to achieve high capital growth over time may not be able to fulfill their long term investment goals by investing in income focused funds.

https://www.publicmutual.com.my/Menu/Learni...t-for-Investing
Unit trust investors need to ensure that they are investing with the proper mindset to ensure they have a realistic perspective of their investments.

Having the proper mindset when investing in unit trusts will allow investors to obtain a realistic perspective of their investments. Due to misconceptions about investing, some investors may be disappointed when their expectations and needs are not met. Investors who have a realistic expectation to their investments are more likely to achieve their long-term financial goals.

Tq

i think the Risk related to Volatility (in short word but actually got forex, market, ............ )

MMF/ Bond fund normally is Risk 1/2..........equity risk 4/5

for me.......high risk......high return....

but not every body can stomach it.....choose wisely....

This post has been edited by ironman16: Jun 24 2021, 03:01 PM

Ok thanks man. I will need to sit and identity my risk appetite. Thanks for sharing

If u prefer use RISK, just note down the risk and the respective volatility of that fund .....then u can easily choose
dun later when ppl rally to the moon , and u why ur fund move like snail in return...........
of course la, when risk 5 fund shit like hell, then u ....my fund not bad...

mostly my fund is RISK 5...........a few is RISK 1/2 just for me to temporarily parking it.
i prefer e series bcoz sales charge......

All the best.....

This post has been edited by ironman16: Jun 24 2021, 03:12 PM