should be Sharpe Ratio *Perhaps is the typo error above*

KLCI is moving to bearish trend :-)

# KLSE Peak Date KLSE Low Date Down Pts Down % Bear Duration (mths)
1 540.33 30/08/1981 220.74 12/08/1982 319.59 59.1% 11
2 426.79 08/02/1984 169.83 02/05/1986 256.96 60.2% 15
3 470.16 10/08/1987 223.12 07/12/1987 247.04 52.5% 4
4 632.22 01/08/1990 459.08 28/09/1990 173.14 27.4% 2
5 635.02 29/05/1991 505.47 19/08/1991 129.55 20.4% 2.5
6 1314.46 05/01/1994 840.87 24/01/1995 473.59 36.0% 13
7 1085.04 05/06/1995 883.96 14/11/1995 201.08 18.5% 6
8 1271.57 25/02/1997 262.7 01/09/1998 1008.87 79.3% 18
9 1013.27 18/02/2000 553.34 09/04/2001 459.93 45.4% 13.5
10 808.07 23/04/2002 616.46 03/12/2002 191.61 23.7% 7
11 1516.22 11/01/2008 829.41 29/10/2008 686.81 45.3% 10
12 1594.74 08/07/2011 1331.8 ? 262.94 16.5% ?
Simple Average 367.59 40.4% 9.3



Bear Market Definition: A downturn of 20% or more in multiple broad market indexes, such as the KLCI, over at least a two-month period, is considered an entry into a bear market.

If the average of the past 30 years is about 367.59, the next KLCI points in bearish is moving down to 1227.15 or lower. :-)

* 1594.74 08/07/2011 1227.15 ? 367.59 23.1%




This post has been edited by transit: Sep 26 2011, 10:44 PM

What is the fund's name for this Australian Equity u invested? TQ for sharing :-)

Just wanted to know some of your feeling(s) when you pay the Tax of 6% & Service Charges of 10% when dining in a restaurant compare to paying the SC% to the UTMC (Unit Trust Management Company)? Any thought?

No free lunch in this world. Everything got a price~! (Just matter of worthy or not)

For those (heavy bullets) investors becoming PM's agent themselves, RM30K Quota per annum is some some water for them to fulfill the quota. (No issue at all)

However my personal thought is PM should consider to adjust the SC% to (EPF-2%, Cash-4%) while maintaining UTMC's operation, profitability, & agency.

0% SC would be impossible in normal offering period (except promotional period) for the Fund Industry in Malaysia as I mentioned above everything got a price to pay. (just matter of worthy or not)

Good point!!

Many ppls in reality know their goals but sadly they do not stay for the long term & stay focus. When they seeing the market in panic, they also in panic. If you are firm & focus on your goals, let it rock. There is no need to afraid/panic if you have confident towards your suitable funds after you analysis your risk appetite and make a decision. (Risk Profile)

1. Access your self - on your risk profile, how much time you can stay on coast, your bullet. (RM)
2. Choose the right fund suitable to you.
3. Stay Long & focus.
4. Invest Regularly.
5. Begin Early.
6. Rebalancing to preserve your profit.

Plant and Growing...no other shortcut.

Yes, agree with wong's point : unfortunately client may not be THAT professional too - ie. clients that want "as fast as possible, as much as possible".

IMO: Don't really prefer this PGSF. There are plenty of good funds (domestic) better than this PGSF. The AMF and others risks are too high!!!!

PIDF
PISEF
PRSF
PSmallCap (Higher Risk)

Why need to go through those unprofitable fund (PGSF)???? WHY wasted the posting thread here. This PGSF is sxxxxx...no value to spend time to look further.

It's good to study those performing fund instead of unprofitable fund. n_n We are not in Engineering field to do the Failure Analysis (FA).

Kparam77, personally I felt u have providing best effort information to him/her in this thread even this is not your investor.

If I have that kind of capital $$, I would rather to invest regularly in PISEF, PIDF, PRSF, PSF, PISVF (Latest Public Islamic Saving Funds) rather than throwing inside PCTF or any foreign funds. IMO, Public Foreign performance is much lower than Domestic Funds. Check it yourself in their website.

If you got RM2k per month, diversification is better than put into one single fund such as PCTF. I won't never recommend PCTF unless your bullet are fully loaded. You may consider to get little startup for this PCTF only as this fund is far below it's launching NAV RM0.2500 (Currently is RM0.1484 as of recent closing price) Wow!!! It's discounted > 40% of initial NAV. But what if you continue DDI, but this fund still not able to re bounced timely then your capital/savings may get stucked in the water.

Then the rest of amount goes to other good performing funds but not PCTF.

Anyway, it's different individual's risk appetite. But for moderate risk profile of me, PCTF is NO NO NO for me.

Last point: Remember Do Not put one lump sum ya....(even I say few good performing funds worthy to invest)...since no body can know the market up/down in future...Begin with small amount, then keep some bullet for your fund when the market went down from your current base NAV to lowering down average cost per unit.

Normally good performing funds may (I say "may" not mean for guarantee ya) annual distribution in it's financial closing date. For Example, PRSF is in 31 March; PISEF is in 31 July. Then your average cost per unit may pull down if you choose the DR - Distribution Reinvest. If you don't choose this DR, then PM will deposit / send you the pay out cheque. IMO, I choose DR to accumulate more units without any Service Charge applied at that time. The rest of time such as Initial Investment, Additional Investment all kena S.C applied. (S.C = Service Charge).

If I have RM2k monthly, I will do probably 30% DDI, 70% is VCA (Value Cost Averaging) if I got time to monitor market. Lack of time, then use DDI to automate. But some investors are scare to just let Serving Agent earning their S.C buta buta monthly when using DDI method. It's up to your choice as money is in your hand.

Each method got pros and cons, again it is all depends on individual choice. There is no right or wrong. But choosing a right fund at first place is VERY IMPORTANT.

Spend time to focus in good performing funds is well worthy than focus in those not performing funds. I am not saying PCSF cannot perform in future but for now this fund already losing nearly 40% is really scaring to investors. Just to tell u the fact, the PRSF had took about 3 years plus negative before it come back up. (25.04.1994 to 1996) Today this PRSF is one of the good performing fund out of all PM funds. PCSF is about 4 years since it's commencement. I don't know when it may recover :-( But thank god, I don't invest in PCSF since launching.

Do homework.......

Agreed with cherroy, whether is Malaysia National Eelection or not this year (2012), it does not matter or I would say no direct relevant to the fund's performance.

PRSF is one of good fund...- JeffreyYap Go go go...but remember not to put one big lump sum lo.
This fund has re bounced fast enough from RM0.62xx to RM0.64xx in the last few weeks. hehe...I have a portfolio > +50% for this fund. (Invested 3 years ago)

http://www.publicmutual.com.my/application.../fundprice.aspx --> Daily Fund Price

Please always ask your servicing agent on your Profit/Loss Statement at least one quarter once since he/she (That servicing UTC) is earning the S.C. It is his/her role to update you frequently on the fund performance from time to time. The UTC can see clearly accessing your account. The PMO won't tell you the average cost per unit of your fund. But for expert such as Wong/Cherroy/kparam, I think they can calculate themselves without accessing PMO or any CAMS's P/Loss Statement. I also can calculate without referring without referring to CAMS. (provided some basis information provided at first place)

You may do any trading in PMO (Public Mutual Online) after the company receiving your new application form or you may register online through PBebank.com website. (Under Investment in the Left Menu after login to PBebank.com)

Please take note PBebank.com is the Public Bank Banking Platform while PMO is Public Mutual Investor Trading Platform. DO NOT confuse on these 2 platforms. As for future top up or redemption or switching transaction, you may always logon to PMO to perform the transaction. It is faster than asking your servicing agent to submit form. However it is their role to update you your fund's Profit/Loss Statement at least once per Quarter (3 months). My practice is normally once per month to all of my investors without any miss so far. (For the past 12 months)

Glad that you begin with RM2k in PRSF....Keep rolling Bye for now.

Wong: I really like your tracking ~_~ Keep it up ~_~

Yes, you can! It 's up to your bullet $$$ availability. (why not) In fact, beside PM, u may also get other Fund from other fund house :-)

Thanks for Wong for sharing. If Wong is working in my agency, then most of my UTC will be expert to using those data sharing. I like the way he creates those working methods with data pulling from CAMS & FP Advisor into Excel Spreadsheet. Thanks again...Hope year 2012 is a good ending....unlike year 2011 like a roller coaster trend. (High --> Low --> High)

Wishing all Happy CNY 2012 and more more $$$$$$$$ from your investment portfolio.

Yes. I did.

Through I am agent for PMB, I still invest in FSM without any issue. No issue on Service Charge at all in FSM.

Funds not open for investment
___________________________________________________________________
· Public Islamic Bond Fund
· Public Bond Fund
· Public Ittikal Fund *
· Public Select Bond Fund *
· PB Growth Fund *
· PB Islamic Bond Fund
· PB Fixed Income Fund
* Open for EPF investment

Kenaga Growth Fund is Leader in it's class - Equity Malaysia (Total of 81 Funds) U may check out in Personal Money Page 71 in Feb 2012 Publication as well. :-)