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Public Mutual has 88 funds which is not easy to analyse all of them just by browsing around. Investing base one word of mouth (the company, the agent, friends etc.) is really not a good practice. So its best to put all the basic info into a spreadsheet and analyse from there. Below is a link to a spreadsheet I have compiled for my own use. All the info is gathered from Public Mutual Online yesterday. I plan to add more info to it as I go along so you may want to refer to the link instead of saving an offline copy. link to google doc For example, I want to know which bond fund I want to switch to ... so I use filter to show only Bond 'category' show only 1,000 initial investment sort by Total Cost I got these to choose from: (all have the lowest fee at 1.035% ) PB Islamic Bond Fund PB Fixed Income Fund Public Bond Fund Public Select Bond Fund

Public Mutual is the largest mutual fund company in Malaysia, they have 88 funds !! HOW to choose wisely from 88 choices !? Its CRAZY !! If one can analyse all those 88 funds, one must be good at investing in stocks directly too! Anyway below show the list sorted by Shariah compliant, followed by category of funds and lastly by fund name. This is the best way I can take a peek by the purpose of investment. Hope this is useful to you too ... Fund Name Fund Abbreviation historical diff Shariah category PB Islamic Cash Management Fund PBICMF PB Shariah Money Market PB Islamic Cash Plus Fund PBICPF WHOLESALE Shariah Money Market Public Islamic Money Market Fund PIMMF PUBLIC Shariah Money Market Public Islamic Income Fund PI INCOME PUBLIC Shariah Fix Income PB Islamic Asia Equity Fund PBIAEF PB Shariah Equity PB Islamic Asia Strategic Sector Fund PBIASSF PB ...

21st century personal finance is moving away from saving and focus into the income arena. In short, the gurus are now educating public that saving is NOT good enough , hence sourcing for passive incomes on the another hand is a BETTER solution, than just saving alone. While the concept is definitely true and correct but unfortunately as the hypes go bigger and bigger, the idea of passive income has been abused and more scams started to appear in the market, as if they were the gurus as well. Except the 'passive income' they refer to is barely promoting their own original same old products. The personal finance market has become so competitive that even some real gurus have no choice but to go beyond the line in their marketing effort - Robert Kiyosaki is no exception in spreading " Saving is bad ". Although passive income is very well defined here using income ratio 1:100 but is there really such thing as Passive income ? When I looked up dictionary, these word...

The Economy-Political Quadrant may seems like telling where to keep or invest your money despite good or bad time. It indeed works very well during 20th century. Unfortunately comes to 21st century, not only has the year changed, personal finance arena has changed drastically as well. Gold has been speculated so much that it MAY no longer be the standard of money. There used to be only ' property ' in the city. Now there are satellite towns, suburbs ... agriculture lands and even dust bins ( recycle ) have become valuable estates too. While property remains the right category to invest into whenever economy is booming, but predict the right future seems like tougher than buying lottery. Government bonds used to be de-Facto action when a country is stable. But in today's world, a country is as smart as a taicon's finance. One day they are the LARGEST, the next day they are GONE. Stock market used to be the back bone of a country's economy. However, the marke...

There are 2 BIG main external factors affecting our investment decisions Economy Politic When the time is really bad (economy downturn and politically unstable), its best to park your money under something that is really stable, ie Gold . Which is by definition usable anywhere you go in anytime. When its good time, invest direct to the stock market would yield very good return. When the economy is not so good in a strong country, the government bonds or related money market would be able to yield higher return than just gold. However, the most dispute solution in good economy unstable country is investment in property . This is mainly due to easier rental and higher chance of capital gain. By simply moving money around depends on the political and economy situation, one was able to achieve more than 12% compound return for the past 20 years. That is equivalent to a 10X return. But by no mean this is easily done. Some of the concerns include; how would one know exactly when econo...

In 2009 , about 10 mutual funds thats worth looked into were selected out of 530 choices in Malaysia. Today lets take a look at how they performed in the past 6 months. Below chart shows their respective return in percentage. From past 1 day, past 1 week, past 1 month etc. The actual percentage return is NOT important here. We are comparing fund performances across different fund managers. What we are looking for is a graph that consistently stay above the others. That would give an indication of "consistently outperform the others". The most apparent winner is OSK Equity Fund and the worst is Public Ittikal. However, this does not imply anyone of them is better than another. The market has been trending up generally. OSK is well verse in stock market and therefore able to catch most of the up trend. Public Ittikal on the other hand only deals with halal and safe instruments. You can be assured that both of these funds are very strong in their fundamentals. However...

It was mentioned before that you can use your EPF money to invest directly in the stock market, especially through Jupiter and Amara. The main selling points are; cheaper than invest to Mutual Fund ( 5.5% ) vs 3% charged by Amara freedom to invest in any particular stock and not a whole portfolio. Although Jupiter only charges 0.1% or minimum RM 10 brokerage fee but actually Amara, the licensed EPF withdrawal facilitator, have more charges other than the 3% one time drawn down fee. The significant ones are Transaction fee : 0.1% or minimum RM 15 per contract Custody fee RM 0.005 per 1,000 shares per month Add together with Jupiter's fee, your total brokerage fee may effectively be at 0.2% or minimum RM 25. So each MOTS (Minimum Optimized Trading Size) is RM 12,500. With RM 25,000 you can only make 2 transactions. Assuming you fully load all your investment in the market and average price per share is RM 1. Then 25,000 shares /1,000 x 0.5 cent = RM 0.125 every month. 1 year w...

Below table shows the return of Unit Trusts in Malaysia from 2001 to 2006. I added two columns to the right. Average return per year is simply return divided by number of years, in this case, n / 5 years ie. 25.9 / 5 = 5.18 Equivalent Compound Return Rate is using the FV formula to calculate what the interest rate would be if you save $100 5 years ago to get the same return. This is the number you should use to compare with Fix Deposit interest rate. Pit falls ? Not so much on that but some key concepts when reading numbers like this ... These numbers don't mean much by themselves. You should compare them with other numbers to make more senses and decide course of action. For example; Compare with Stock Market indexes. Mutual funds are suppose to outperform certain benchmarks. So a fund is only really doing well when it is BETTER than .... Compare with Fix Deposit interest. Are these rates significantly higher than FD through the same period ? Compare with Inflation rates....