seriously, check it @ public mutual site.

i can't spoon feed u enof..zzzz

How about Public Saving Fund? Is it good time to invest now?

U need to find out your own, forumers here already kind enuf to give u the spoon and food, don't expect ppl here to spoon feed u, in order to be successful in investment. U need to study hard and do ur own research, there is no short cut to success...

One more tips for you. The below are few funds you may consider in the beginning of June 2011.

PUBLIC BALANCED FUND PBF
PUBLIC DIVIDEND SELECT FUND PDSF
PUBLIC FAR-EAST SELECT FUND PFES
PUBLIC FOCUS SELECT FUND PFSF
PUBLIC GLOBAL SELECT FUND PGSF (Closed on 31 May 2011)
PUBLIC ISLAMIC EQUITY FUND PIEF
PUBLIC ISLAMIC SELECT TREASURES FUND PISTF
PUBLIC ITTIKAL FUND PITTIKAL
PUBLIC REGIONAL SECTOR FUND PRSEC
PUBLIC SELECT BOND FUND PSBF

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Added on June 1, 2011, 8:04 amLatest update from PMB for the gross distribution for few funds.

Fund Name Fund Abbreviation Name Distribution Declared (31/5) NAV price (5/31)
PUBLIC BALANCED FUND PBF 7.00 cents per unit 0.8162
PUBLIC CHINA TITANS FUND PCTF Not Declare 0.2376
PUBLIC DIVIDEND SELECT FUND PDSF 3.00 cents per unit 0.3136
PUBLIC FAR-EAST SELECT FUND PFES 1.75 cents per unit 0.3136
PUBLIC FOCUS SELECT FUND PFSF Not Declare 0.2697
PUBLIC GLOBAL SELECT FUND PGSF 0.75 cents per unit 0.2049
PUBLIC ISLAMIC EQUITY FUND PIEF 2.00 cents per unit 0.3550
PUBLIC ISLAMIC SELECT TREASURES FUND PISTF 1.50 cents per unit 0.3243
PUBLIC ITTIKAL FUND PITTIKAL 8.00 cents per unit 0.9736
PUBLIC REGIONAL SECTOR FUND PRSEC 1.75 cents per unit 0.2766
PUBLIC SELECT BOND FUND PSBF 4.50 cents per unit 1.0475


This post has been edited by transit: Jun 1 2011, 08:04 AM

HI GUYS~
MAY I KNOW WAT IS INDEX FUND？IS IT SAME WITH EQUITY FUND?

Is it true that when interest rate rise, bond value will fall?
So it is suitable to buy up bond during this period?

Index fund is an equity fund.
Index fund purpose is to mimick the performance of index, aka buying index linked stocks.

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Added on June 5, 2011, 11:09 amYes, theorectically.

If bond yield is 3%
while FD is 3%, it makes no sense to invest in bond.

So bond price must go down so that it has higher yield that FD.

But some bonds are start with higher yield in the first place, so if interest rate rise is not significant, bond price may just stagnant.

This post has been edited by cherroy: Jun 5 2011, 11:09 AM

thanks cherroy

I just invested some portion for
PB singapore Ad 30.
got some good hopes.

Still thinking in regards to PB ASIA PACIFIC ENTERPRISES FUND
( very aggresive)

There is a similar new fund from Public Mutual called PSGEF - Public Singapore Equity Fund to be offered from June 07 to June 27, 2011. You may consider this new fund, similar to PB Singapore Advantage-30 Equity Fund. Offers at NAV RM0.25. In fact, the PB Singapore Ad 30 is already in positive side for those who invest since commencement at last year 2010 May 11.

i am thinking to start an account in public singapore equity fund. I had already having 2funds with DDI. Not willing to get DDI for this fund at the current moment. How u all think of the performance of this fund?

This is subjective question.

Transit, it's not subjective - U just need a Crystal Ball to look into the future . Lend it to him lar, dont hog it

hehe! u r right :-)

interest rate movement has more impact on goverment bond than corporate bond/ investment grade bond. As FD and government bond are considered good substituition, as they have low risk or no risk. Fd is protected by PIDM and government can raise tax to pay bond dividend.

Often, interest rate is an indicator for economic performance, BNM use interest rate as part of their monetary policy to control the economic performance. During the economic turmoil in 2008, BNM fixed the interest rate at historical low to spur the economy, so when economy picking up, BNM increase the interest rate to slow down the heat. When interest rise gradually from bottom, means corporates are doing well, so it is more likely for corporate to pay dividend to their investors on time and default risk will be lesser (bond holder has priority claims on dividend compared to common stock holders) , as a result bond demand will be higher and bond price will also increase despite the rise in interest rate.

To conclude, interest rate has inverse correlation with govt bond return, but not neccesary for corporate/private bonds. For low risk investors, bond is a good diversified instrument for both good time and bad time.

Any idea about structured investment? Which has principal protected?

Structured or 'Protected' funds is one of the worse investment ever invented. Basically what they do is they put ~90% of the money you have invested in a negotiated instrument of deposit with the bank (like long term FD) and then take the remaining ~10% and gamble in the market, making very risky bets (warrants, swaps etc). The amount invested in the FD like instrument depends on the current interest rate. Afterwards there will be two outcome.

Scenario A : The punting of your 10% is successful and they gain some earnings, coupled with the money from the 90% kept in FD you may get between 10%-20% earnings over 3 years period. Somewhat better than FD...

Scenario B : Lets say the punting of 10% of your capital is not successful and lost it all. The 90% kept in FD will have interest earned over the 3 years lets say about 10%. So in the end you earn nothing, and this is the so call 'capital protection'.

And in the mean time the sneaky bankers will take management fees from the fund, even though they just put 90% of the money in a NID or long term FD deposit. Expect about 3-4% taken off as fee's over the 3 year period. The rest they gamble blindly.

Worth it or not? You decide.

This post has been edited by gark: Jun 11 2011, 09:51 AM

Wow... Very good info! To be honest,I never invest in stock or fund before. As usual, I will put part of my salary as FD only. Now finding alternative to get extra pocket money.

Maybe, for starters, it's good to focus on PLANTING SEEDS of growth, not just focusing on extra pocket money
Some ppl focus on extra pocket money and eats all the fruits of their growth tree, without replanting the fruits' seeds.

Can elaborate further what is planting seeds of growth? Is it FD interest? LOL...