Let’s not make things complicated. Public Mutual handle funds for itself and also Public Bank. The main difference is that Public Bank funds start with PB while Public Mutual funds start with Public.

Refer to the list at http://financial-freedom-unit-trust.blogspot.com/2007/05/funds-managed-by-public-mutual.html

Both funds are handle by the same fund managers. Therefore, I don’t see any difference in their performance (probably in % returns). The only thing we have to take notice is that funds purchase thru Public Mutual UTC, you’ll enjoy the benefit of services provided to you whenever you needed it(actually depend on agent also :p ). Where as for Public Bank, you’ll have to enquire thru the bank officer.

thank you

Actually Amanah Saham Bumiputra (ASB) is also mutual fund. The name might sound different but in actual fact, it’s all the same (amanah saham/mutual fund/unit trust).

We have many more investment which are higher risk such as warrant and option. Therefore, it’s advisable for us to diversify our investment into various type in order to profit from the economy while building a safety net to reduce our risk.

thank you very much for the advice. really appreciate it. i think the line of risk is something below: -

Safe —————————-> high risk
FD, ASB, Mutual Fund, unit trust, Stocks/shares

am i correct?

Your investment portfolio should based on goals whether it’s for short-term or long-term. We should always try to plan for something which is comfortable to ourself. If we’re aiming for higher returns, there’s always a higer risk to bear.

Looking at your investment distribution, it’s more towards conservative. Investing in ASB gives you capital guarantee and better returns compare to FD. Moreover, it’s easier to convert back for cash when there’s a need.

If your also planning to invest in mutual funds, then you’ll have to decide whether your going for aggressive, moderate or conservative. It’s actually a wise decision rather than investing directly in share market and real estate, as it reduces risk and diversify our investment. Currently, PIOF and PIAF are performing quite well lately and has potential. Depending on the type of funds choosen, the performance might vary. Equity funds will resemble very much to market performance. Balanced funds have tendency to do well even doing market downtrend based on the allocation. Bond funds tend to perform better when market downfall.

Our investment plan needs to revise from time to time also because performance vary for different funds and we must balance well so that we can achieve our goal.

If you want to know more bout the funds offer by Public Mutual or discuss bout how to plan for your investment, try browse thru my blog http://financial-freedom-unit-trust.blogspot.com/ or contact me..

I have read through some prospoect with Public mutual and i found that Moderate risk fund and aggresive seems to be growing faster and when the market goes down, it doesn’t realy hurt that much. therefore, i need some suggestion which fund in Public mutual that is outstanding and preferable right now.

thank you

I suggest to start your investment with that proportion. Later, you can adjust it according to your current need.

If you think that the market is booming, you can give more percentage to higher risk fund such as mutual fund. Experiment it yourself but just don’t be easily panicked and sell everything when market is down, especially with mutual fund.

that’s my advice.