http://www.publicmutual.com.my/page.aspx?name=PBFI

Income fund is a quite confused term here. For Public Mutual, many agents categorize funds which are giving annual distribution as income fund. However, for other UT company, this is not. For example, OSKUOB Income Fund is actually same as PMMF, which has the lowest risk.

PB Fixed Income Funds is the name...does not mean the fund will provide you with a fixed income yearly. It is giving annual income but not fixed. In any case it is a Bond fund...not fixed income fund.

lekk88 u r right, it will b easier to say that fund that give annual distribution is consider income fund in a more general term. Like u say, diff UT company diff way of categorization...

i didnt mention it will provide fixed income, did i?
fixed income funds refers to bond funds, to me .
as bond funds invest in fixed income securities hence termed as fixed income funds(maybe there is a confusion here with the way i termed it).

This post has been edited by beginner: Nov 21 2007, 11:42 AM

So conclusion, is this china ittikal fund got petential growing and held return???
This fund is actually like a portfolio handle by professional to help us to invest right??
Is it possible to make losses?? For eg liek i invest 2200 and return 200 let say...

Plan to invest in this fund but not sure what is it....

Every fund has their own potention of growing, no doubt about that. But every fund is also stand a chance of making loss if market and eonomy condition turn bad so it is possible to make a loss as well. So judge the risk whether you are willing to take. In investment, it is always a trade off, no free lunch, want higher return need to expose higher risk. Don't want higher risk then settle for lower return.

Low risk low return, high risk doesn't mean must be high return, it can be losses as well. Just in market condition favourable, it is a higher return.

Overall, in long term most funds (remember not all) generate an ok return rate generally but if one buy or the fund being lauched at when peak time, then it will have much much difficulty to generate return.

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Added on December 5, 2007, 10:32 pmYes, there is a fixed income investment, that's called FD.

This post has been edited by cherroy: Dec 5 2007, 10:33 PM

so if we invest about 5k let say, they the fund is making loss, are we still getting our original 5k or we get less ?

Since it's not capital protected, you'll get lesser. And do remember the upfront service charge of 6.5% or 5.45% (promotional during initial offering).

There is also annual fees chargeable by UT company.

i think u need more information on unit trust first, go here and read up for some basic info


unit trust can make money and also lose money, if u invest 5k, market is good you will end up with >5k, but if market is bad, then u end up with <5k. but in the long run, >3yrs, usually u will get back >5k


if u need capital guaranteed funds, look here
http://www.maybank2u.com.my/consumer/onlin...ices/aseq.shtml
http://www.pbebank.com.my/en/en_content/images/pborient.pdf
https://www.cimbbank.com.my/index.php?ch=ba...5&tpt=cimb_bank

those above are only few examples of capital guaranteed funds provided by local banks, there are more actually.
and these capital guaranteed funds only guarantee capital protected upon maturity, means u have to put ur fund inside for a certain period of time to ensure that u dont lose any money.

but that one is not quite visible to us.

actually i did think of when is it that they deduct the management fees?

When the accounting period ends?

I did remember that somebody said it's transparent and it's shared by all the unit holders of the fund.

does it mean when the accounting period end means it will have some minor adjustment, for the management fees.
but so far like nvr notice such thing, thats why a bit curious here.

I'm also not very sure and in the same situation as you.

From my understanding, the management fee ratio will be reported in their financial report (they'll send a hard copy to your door step). New funds (or newly launched funds) doesn't show this figure in their website or online prospectus too.

Management fee and trustee fee is deducted from the fund everyday. It's transparent to investors, where they charge the management fee and trustee fee before they post the NAV daily.

Just read it from their prospectus to know more detail on the management fees.

You do not notice the management fee because it is deducted from the NAV daily, and normally is very small portion, subject to a minimum of RM18k only

Hi, i got something to clarify regarding this fund...
Let say i invest liek this:
Min initial invesment is RM1k
then min monthly additional RM100

The fund is count in 0.25 per unit right? then if the ittikal fund starting is 0.25
then after 1 month increase to 0.26. means the previous investment i earn 0.01 correct??
then when i invest the Monthly RM100, it count is RM100/0.26 isit?
If liek this that mean my monthly investment become lesser unit..
Is it count like this?? If yes that mean my return not that high it is possible the next week the share drop to 0.25 again... means i make loss for the previous additional monthly installment of RM100...

Correct me if im wrong..

if not mistaken it will average ur price. so when price go down buy more when price up dun buy...

If want quickly go buy on Monday morning cos its last day for the 1% discount off some service charge or something. Its 5.45% till this monday only, after that is 6.45% i think.

Correction ... it'll be 6.5%.

Do submit a DDI or SI too in order to enjoy future SI to topup to your fund at reduced service charge of 5.45%.