bro....if u know abt cds/trading acc.... how come u don't know u cannot buy share wtithout doing so?

---

Added on July 18, 2011, 4:30 pmrate of return for public mutual funds for a year or dividends for the funds?

rate of returns depends on fund performance..... not guaarantee.

The dividends payout for some of funds for the year 2010 as follows;still depends on fund performance and the dividends decide by FM......not guarantee also.

C= conservative
M = Moderate
A= aggressive.

PUBLIC SAVING FUND (M) – 13.6% /RM0.09 PER UNIT

PUBLIC GROWTH FUND (M) - 10.4% /RM0.05 PER UNIT

PUBLIC INDEX FUND (M) - 7.8%/RM0.05 PER UNIT

PUBLIC INDUSTRY FUND (M) - 9.2%/RM0.05 PER UNIT

PUBLIC AGGRESSIVE GROWTH FUND (A) - 12.2%/RM0.08 PER UNIT

PUBLIC REGULAR SAVING FUND (M) - 7.9%/RM0.045 PER UNIT

PUBLIC BALANCED FUND (CM) - 9.8%/RM0.07 PER UNIT

PUBLIC BOND FUND © - 5.3%/RM0.05 PER UNIT

PUBLIC ITTIKAL FUND (M) - 10.1%/RM0.08 PER UNIT

PUBLIC SMALLCAP FUND (A) - 11.2%/RM0.09 PER UNIT

PUBLIC ISLAMIC BOND FUND © - 4.7%/RM0.05 PER UNIT

PUBLIC EQUITY FUND (A) - 14.8%/RM0.045 PER UNIT

PUBLIC ISLAMIC EQUITY FUND (A) - 6%/RM0.0175 PER UNIT

PUBLIC MONEY MARKET FUND © - 2.5%/RM0.025 PER UNIT

PUBLIC FOCUS SELECT FUND (A) - 7.7%/RM0.02 PER UNIT

PUBLIC ENHANCED BOND FUND (CM) -2%/RM0.02 PER UNIT

PUBLIC DIVIDEND SELECT FUND (M) - 11.9%/RM0.03 PER UNIT

PUBLIC ISLAMIC OPPORTUNITIES FUND (A) - 7.7%/RM0.025 PER UNIT

PUBLIC ISLAMIC BALANCE FUND (CM) - 3.6%/RM0.01 PER UNIT

PUBLIC FAR-EAST SELECT FUND (A) - 6.7%/RM0.0175 PER UNIT

PUBLIC SELECT BOND FUND © - 4.4%/RM0.045 PER UNIT

PUBLIC ISLAMIC DIVIDEND FUND (M) - 4%/RM0.0125 PER UNIT

PUBLIC REGIONAL SECTOR FUND (A) - 7.6%/RM0.0175 PER UNIT

PUBLIC ASIA ITTIKAL FUND (A) - 3.8%/RM0.01 PER UNIT

PUBLIC GLOBAL SELECT FUND (A) - 4.1%/RM0.0075 PER UNIT

PUBLIC FAR-EAST DIVIDEND FUND (M) - 2.0%/RM0.005 PER UNIT

PUBLIC ISLAMIC ENHANCED BOND FUND (CM) - 2.8%/RM0.03 PER UNIT

PUBLIC FAR EAST BALANCED FUND (CM) - 7.1%/RM0.015 PER UNIT

PUBLIC GLOBAL BALANCED FUND (CM) - 2.4%/RM0.005 PER UNIT

PUBLIC ISLAMIC ASIA DIVIDEND FUND (M) - 3.5%/RM0.0075 PER UNIT

PUBLIC CHINA SELECT FUND (A) - NO DIVIDEND

PUCLIC ISLAMIC MONEY MARKET FUND © - 2%/RM0.02 PER UNIT

PUBLIC FAR-EAST PROPERTY & RESORTS FUND (M) - 4.6%/RM0.01 PER UNIT

PUBLIC ISLAMIC SELECT BOND FUND © - 4.8%/RM0.05 PER UNIT

PUBLIC ISLAMIC ASIA BALANCED FUND (CM) - 3.3%/RM0.0075 PER UNIT

PUBLIC SOUTH-EAST ASIA SELECT FUND (A) - 3.7%/RM0.01 PER UNIT

PUBLIC SECTOR SELECT FUND (A) - 8.6%/RM0.025 PER UNIT

PUBLIC ISLAMIC SECTOR SELECT FUND (A) - 3.5%/RM0.01 PER UNIT

PUBLIC CHINA ITTIKAL FUND (A) - NO DIVIDEND

PUBLIC FAR-EAST CONSUMER THEMES FUND (A) - 13.3%/RM0.035 PER UNIT

PUBLIC ISLAMIC SELECT TREASURES FUND (A) - 4.9%/RM0.0125 PER UNIT

PUBLIC CHINA TITANS FUND (A) - 6.9%/RM0.015 PER UNIT

PUBLIC ISLAMIC OPTIMAL GROWTH FUND (A) - 2%/ RM0.005 PER UNIT

PUBLIC FAR-EAST TELCO & INFRASTRUCTURE FUND (A) - 8%/ RM0.025 PER UNIT

PUBLIC CAPITAL PROTECTED SELECT PORTFOLIO FUND © - NO DIVIDEND

PUBLIC ISLAMIC SELECT ENTERPRISES FUND (A) -4.1%/RM0.0125 PER UNIT

PUBLIC ISLAMIC INCOME FUND © - 3.3%/RM0.035 PER UNIT/ RM1.0319

PUBLIC SELECT ALPHA-30 FUND (A) - 7.5%/RM0.025 PER UNIT/ RM0.3378

PUBLIC NATURAL RESOURCES EQUITY FUND (A) - 5.6%/RM0.015 PER UNIT/

PUBLIC AUSTRALIA EQUITY FUND (A) - NO DIVIDEND

PUBLIC ISLAMIC ASIA LEADERS EQUITY FUND (A) -2.9%/RM0.0075 PER UNIT

PUBLIC FAR-EAST ALPHA-30 FUND (A) - NO DIVIDEND



This post has been edited by kparam77: Jul 18 2011, 04:30 PM

[quote=kparam77,Jul 18 2011, 04:23 PM]
bro....if u know abt cds/trading acc.... how come u don't know u cannot buy share wtithout doing so?

---

Added on July 18, 2011, 4:30 pm

as i mention before i'm still learning about the market. so that why i came across some of the word used...
anyway...thanks for the info. i appreciate that..

[quote=syler89,Jul 18 2011, 04:49 PM]
[quote=kparam77,Jul 18 2011, 04:23 PM]
bro....if u know abt cds/trading acc.... how come u don't know u cannot buy share wtithout doing so?

---

Added on July 18, 2011, 4:30 pm

as i mention before i'm still learning about the market. so that why i came across some of the word used...
anyway...thanks for the info. i appreciate that..

[/quote]

OIC - maybe this link [URL=http://www.bursamalaysia.com/website/bm/bursa_basics/]may help u for better understand abt stock market.[/URL]
best of luck.

HwangDBS China Select Fund?

I just wondered what a company like Public Mutual and the like get when the collect money from people, invest, then give it back to people.
They minus the management cost, but what else?

Do they get profit from it? I thought they try to reduce the management cost as minimal as they can!

Front load service charge (nearly all funds)
Back load service charge (not all funds)
Yearly management fees
Yearly trusty fees


All the above - whether make or lose $. Won't U want to do the same thing too?
And U can spread YOUR PERSONAL INVESTING / TRADING resources' costs and even transaction volume shared costs to these funds?

Did i miss anything?

This post has been edited by wongmunkeong: Jul 22 2011, 07:31 PM

pls read this master prospectus at http://www.publicmutual.com.my/OurProducts...Prospectus.aspx to read the relvevant chargers by PM.

u can manage ur money by ur self by investing directly in stocks. only need to pay the brokerage, diskoun for online as well.

if u give ur money to unit trust managemt company to manage ur money...... of couse u need to pay them.

No F.R.E.E lunch in the world. Eventually there is a cost incurred regardless you invest either in Stock or UT Investment. (such as broker fees, service charges-For UT, AMF-For UT, ATF-For UT)

anyone else investing in Amdynamic bond? Or areca equity? Imo the amdynamic bond is well performed.

It's good but watch the back load

u mean areca or amdynamic bond? what do you mean by back load?

Your answer make sense
Just realise that either front load or back load is not included in management fee, and that can be considered profit to PM&etc. But, I do believe, trusty fee is something that PM&etc need to pay, not gain.

And spreading INVESTING/TRADING is something that I can't never think of before.

Whoops. My bad. I meant AmDynamic Bond.
Backload = U pay service charge % when U redeem / switch

Oh yeah. I checked on internet and the redemption fee is 1%. After i asked the agent, the agent say the 1% redemption fee is applicable if only we withdraw within 90days. But he say there is 1% management fee per nav. If 1 year 9%, mean actually i got 8% only ah?

PB FIxed income also not bad Just invest in these 2 bonds yesterday The ambank agent so sucky. Never want to highlight their best performing bond. I say the fund awarded 3years & 5 years best MYR bond by lipper. He says bond no commission for him

Norm lar - kamsau type agent as BoneScythe call them Just wanna sell equities, got more commission mar.

BTW, U better get the writing from AmBank itself on the 90 days backload thing.

The management fee - all costed daily into the NAV of all funds.

This post has been edited by wongmunkeong: Jul 22 2011, 09:39 PM

Actually i dont really get the management fee. Entry fee is 0% which is good for amdynamic bond. The agent is a staff in ambank ler. Personal banker in Sarikei branch.

Well, think of the management fee calculated daily and minused from the day's NAV to get the net NAV (
EG: NAV -(1%pa * $1.10 NAV /364.25 days)
Not the actual calculations had, just explaining the concept of management fees already factored into NAV.

As for the backload, trust official print not human talk only

Remember, AmDynamic bond have a 1% exit fee, it is not only for 90 days, READ THE PROSPECTUS, it is for the LIFETIME of the bond.

This works out higher than the usual charged, if you intend to take out the money later when the earnings are fat.

Lets say you invest RM 1,000 0% entry fee, 20 years later the bond is now worth RM 5,000, you want to cash out you have to pay 1% exit fee which is RM 50. If you divide this over the initial RM 1,000, the entry fee equivalent will be 5%.

Anyway Amdynamic have quite high management fees, of about 1%, which is on the high side for bond funds. PM still have the cheapest bond fund fees in Malaysia at 0.25% entry and 0.75% annual.

This post has been edited by gark: Jul 23 2011, 12:15 PM

Am dynamic bond fund will be a good choice if one managed to get waiver on the 1% exit fee after 90 days. With the zero cost initial fee means if u invest rm100, all your rm100 is fully invested, compare to PM that charge 0.25%, only Rm99.75 is invested.

Anyway, 1% mgmt fee fir am dynamic bond is at the high side, shd hv charging 0.5% or leas, bond funds do not need active monitoring thus the cost is lower. Am dynamic bond fund is not a bad buy if the management consider my points as above

yeap as i've mentioned, or we have discussed b4, becareful on amdynamic bond exit charge of 1%

other good 'non PM/PB' bond funds to consider:

- rhb islamic bond fund, rhb bond fund (a bit more risky, holding riskier bonds)
- ambon, ambon islam

waiting for KAF bond to be listed in FSM


as of now, only PB/PM bond fund that is worth investing is PBFI.

This post has been edited by kucingfight: Jul 23 2011, 06:56 PM