Thanks for one of our visitors here for asking me about this matter. Let me summarized technical detail of Mutual Fund or Unit Trust.
- Mutual Fund is a group of selected stocks/bonds that are professionally picked by the fund Manager. The picked stocks/bonds are believed to yield acceptable returns.
- The selling price will be charge around 6.7% percent above the Net Asset Value (buying price)
- Selling price = the price you have to pay to buy the mutual fund
- Buying price(NAV) = the price that you will get when you sell your mutual fund
- There is a 1.5% annual fee (depends on type of unit trust) that you have to pay each year.
When will I know that I have actually gained profit?
Mutual fund price is just like usual stock price, which goes up and down everyday. The price is determined at the end of trading period each day. Below is the price table for Public Mutual Funds:
Basically, you will buy your mutual fund using ‘sell’ price (right-hand price) and you will sell your mutual fund using ‘NAV/buy’ price (left-hand). To earn profit, the current NAV must exceed the sell price when you bought that fund. From past performance, Public mutual could achieve 6-15% per year.
Example of calculation:
A year ago, I bought RM10000 Ittikal Unit trust with selling price RM 0.7500 per unit. So total unit that I get was 10000 / 0.75 = 13333.33 unit
Yesterday, the NAV/buy price has became RM 0.8004. I decided to sell all my unit trust. So the total money that I get from the selling is 13333.33 x 0.8004 = RM 10672
Basically, I earned RM672 from this investment.
Hope this could answer some of your questions.
#1 by swami on April 1, 2008 - 12:46 pm
hi meera from swami utc public mutual
would appreciate if u could call me at this 016-3712929 for further explaination on how ut works
thank you and hoping 2 hear from u
[Reply]
#2 by Shah on April 1, 2008 - 2:10 pm
Meera,
I cant explain in details coz it would take the whole page. What i can do is probably fix up an appointment with you and explain further more. Just drop me a email and i get back to you.
Thanks
Shahril Riza Mokhtar
Unit Trust Agent Supervisor
LVG Group (Damansara Perdana)
shahril.riza.mokhtar@gmail.com
[Reply]
#3 by Anna on April 8, 2008 - 12:00 pm
Hello everyone. Iam totally new to Unit Trust. What is the best fund to invest now?
[Reply]
#4 by Shah on April 8, 2008 - 12:08 pm
Dear Anna Tan,
There so many subject to discuss with. If you have time maybe I can share some knowledge with you.My number 0193373380.
Thanks
Shahril Riza Mokhtar
Unit Trust Agent Supervisor
LVG Group (Damansara Perdana)
shahril.riza.mokhtar@gmail.com
[Reply]
#5 by Shah on April 8, 2008 - 1:45 pm
Dear Anna Tan,
Where are located? Maybe you can just chat on the net or call.
Thanks
Shahril Riza Mokhtar
Unit Trust Agent Supervisor
LVG Group Damansara Perdana.
shahril.riza.mokhtar@gmail.com
[Reply]
#6 by swami on April 8, 2008 - 2:14 pm
dear anna tan from swami public mutual
i am a unit trust consultant with public mutual fulltime formely with cimb .would greatly appreciate and ever willing 2 help if u require
my services my phone no is 016-3712929
thank you
swami aka sam
[Reply]
#7 by Anna on April 8, 2008 - 6:01 pm
Hello,Iam from Sarawak.Far away from KL.
[Reply]
abdullahbs reply on April 16th, 2008:
Hi Anna from Sarawak,
I am a Public Mutual Unit Trust Consultant in Kuching. If you are looking for a consultant in Kuching you can contact me at 019-8278489 or email me at abdullahbs@yahoo.com.
[Reply]
#8 by zul on April 11, 2008 - 4:52 pm
If I were to invest for a period of 3 years which one should I choose, P Ittikal or ASB?
[Reply]
#9 by swami on April 11, 2008 - 6:51 pm
hello anna from swami aka sam i have clients in kuching so no prob contact me at by e mail
sanniswaran@hotmail.com tq
[Reply]
#10 by Shah on April 12, 2008 - 4:58 pm
Zul,
It’s better if we meet and i can advise you on what to do… just call me 0193373380 or feel free to email me shahril.riza.mokhtar@gmail.com.
Thanks
Shahril Riza Mokhtar
Unit Trust Agent Supervisor
LVG Group PM Damansara Perdana
[Reply]
#11 by Olivia on April 13, 2008 - 8:36 pm
irwan….i want to talk to you. about finance matter. hope u can help me out. to understand more..
[Reply]
#12 by Irwan on April 13, 2008 - 9:33 pm
Olivia »
you got my email
[Reply]
#13 by khai on April 15, 2008 - 9:19 pm
Hi Irwan,
Would like to ask you if there is an official web site to see real time unit trust price?
I have check most of the website like publicmutual and thestar provide 1 day late pricing list.
Hope to hear from you soon, please reply to my email. Thanks in advance.
[Reply]
Irwan reply on April 15th, 2008:
dear khai, unit trust NAV is calculated at the end of the day. thus the price would always be late 1 day.
Mutual funds don’t have real time price like stock.
however, if you need such information, you can view the prospective and find the largest equity that the fund holds. then you can get estimated value for that fund.
If you eager to know real time price, i think you should look into real stock instead of mutual fund coz stock give you more control and higher return/risk.
[Reply]
#14 by Steve on April 23, 2008 - 4:14 pm
I would like to know the Public Index Fund performance. I am investing rm1000 using my EPF money.
[Reply]
#15 by swami on April 23, 2008 - 5:18 pm
steve perhaps u can call me at016-3712929 for further clarification
swami public mutual
full time unit trust consultant
[Reply]
#16 by sahidin rabaha on April 28, 2008 - 7:10 pm
Bro irwan…
can u give me your opinion about my investment:
1)Public Asia IttikalFund =RM 3000 (a year ago)
2)CIMB MENA Equity Principal Fund = RM 1500 (march this year)
3)Amanah Saham Bumiputera = RM 2000(march this year)
so do u think i should open a new fund acc or invest in 1 of those 3 fund???coz im intent to invest RM 1500 more…thanx
[Reply]
Irwan reply on April 29th, 2008:
In my opinion you already have a balanced portfolio. ASB for non-risk, and PAIF and Cimb’s for high risk fund.
In which you should invest depends on how you view your risk/performance ratio now.
If you think the market is too volatile, invest more in less risky option. vice versa.
As you have already scattered your investment nicely, I don’t think it’s a need to diversify your investment even more. However, it’s also a good idea to make investments that counterbalance economy fluctuation such as precious metals.
[Reply]
sahidin reply on April 30th, 2008:
Thanx bro….
really appreciate
[Reply]
sahidin reply on April 30th, 2008:
im more to risky option…coz considering my age(24)n others circumstances…think risky option is ok…so i’ll go for rm 1000 to PAIF n RM 500 to MENA…:)
[Reply]
#17 by Shah on May 1, 2008 - 12:00 pm
For those who want to be Agent can give me a call at 019-3373380.
Thanks.
Shahril Riza Mokhtar
LVG Unit Trust Consultant
PM Damansara Perdana.
shahril.riza.mokhtar@gmail.com
“Financial Freedom”
[Reply]
#18 by Yuki on May 7, 2008 - 5:32 pm
Salam
Sini macam forum Public Mutual pulak yea. Anyway, can unit trust consultant publish and promote themselves on the net? You guys better be careful before SC found you!
I just want to touch on ASB. ASB is not cater for ‘orang melayu’ or ‘orang islam’ but ASB is cater for ‘bumiputra’. Kadazan, dayak, iban, orang asli etc are also ‘bumiputra’. They can be ‘muslim’ and they can be ‘non muslim’ too. So is it wrong for ASB to be non syariah compliance? ASB has been formed long ago before syariah based investment and banking were formed. Today there are so many syariah product in the market. To invest or not to invest in ASB tepuk dada tanyalah akal.
Yuki
[Reply]
#19 by Clarence on May 10, 2008 - 10:33 am
Hi Irwan,
I would like to know where can i get a copy of price movement chart for each public mutual fund for at least a year graph.
thanks ya
clarence
[Reply]
Irwan reply on May 10th, 2008:
you can find the graphs for every public mutual fund here
http://www.publicmutual.com.my/application/fund/performance.aspx
[Reply]
Mohd Basir Ahmad reply on July 7th, 2008:
Clare
You can ask any agent to get ‘em from his FP Advisor. You can get everything on every fund since day-1 from PM’s FP Advisor software.
Rgds MBA
[Reply]
#20 by Clarence on May 10, 2008 - 3:56 pm
Dear Irwan,
The one u gave me is not price movement chart. It’s a performance comparison between KLCI and particular fund. Do u have one that is price movement chart, which is everyday’s price compiled to a chart like stocks? Or do u have everyday’s price up to a year, i can compile it mysf.
Thanks & regards,
Clarence
[Reply]
#21 by fakru azwary on May 12, 2008 - 11:31 am
Just got a breif explanation about this yesterday, the return is unbeliveble! Now searching for more info, step by step to start my investment. Keep it up, ill be on this site regularly.
[Reply]
#22 by jothi on May 19, 2008 - 5:43 pm
if a consultant of PM manage to invest 50,000 in public mutual fund and she try to deposit monthly 1,000 dollar. As a public mutual consultant how much commisson suppose she can earn
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#23 by Haikal on May 20, 2008 - 4:23 am
Dear Irwan,
Can you give an explanation about the differences between PM and the newly launched PNB Sturtured Investment Fund? I’m not sure which one will give me better return? or is it better for me to just stick with ASB?
[Reply]
#24 by bazet on June 22, 2008 - 11:56 am
I search on Google about Unit Trust Agent and I got this site. well very good information indeed.
Any agents who wants to do internet marketing campaign can contact me
I operate an automotive website which generate 1.5 million pageviews per month and almost 80,000 unique people ( 99% malaysian ), so put a leader board banner that link to your website in my site..and start fishing from there.
Tired of maintaining your customer list and thier fund using Excel and MS word ?….I can do a web programming to suit your need..and it will be password protected web based.
I’m still new to unit trust, well nothing wrong to try. Like irwan said
He invest RM10k for 1 year, and will get RM625 profit.
That’s is good enough.
Currently my investment all done in USD and it is weaken every day. I do website advertisement via Google Adsense and can yield the same profit like irwan did…but in shorter time..like 1-2 months….but the problem is, you need to work on it…whereas like irwan..he just pump 10k and come back later in 1 year and started collecting the fruits.
Contact me at [ http://ad.protonmania.com/advertisements/contact ]
[Reply]
#25 by mimi on June 26, 2008 - 10:50 am
hi,just want to know the best pm(syariah)fund to in invest right now.
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#26 by norisa on June 26, 2008 - 1:23 pm
I think PIOF is the best. I invested few thousands last year. U should take advantage now bcoz the price is going much lower
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#27 by SU TING on June 28, 2008 - 9:10 pm
Wish to have a proper financial planning? Hope to defeat inflation? Wan to make your $$$ grow faster? Pls do not hestitate to contact me. SU TING:+6593221285/ +60162427953. or email: wattsivy@hotmail.com. I am mainly focus on johor bahru and singapore, kluang.
Public Mutual Unit trust Consultant
[Reply]
#28 by Saiful Azry on July 3, 2008 - 4:23 pm
For those who interested to know the detail of Unit Trust that suite for you, please leave a call at 017-6743666 (Azry)- East Coast Area.
or email me at saifulazry@gmail.com. Thank You.
[Reply]
#29 by Mohd Basir Ahmad on July 7, 2008 - 4:06 pm
Call i pun boleh. I can connect you to my agents in Kota Kinabalu, Miri, Kuching, Kelantan & East Coast, Penang, Ipoh, dan Klang Valley.
Rgds MBA 017-3355733
[Reply]
Mohd Basir Ahmad reply on July 7th, 2008:
or e-mail basirpm@gmail.com
[Reply]
#30 by unu on July 7, 2008 - 9:22 pm
Salam…
I already have about RM10k and i’m going to spend this money in UT but i really don’t know where and how to invest it.Could anyone give ur opinion in which UT shoul i invest.My target is for both long-term and short-term investment.Thanks guys for ur help….
[Reply]
riez reply on July 13th, 2008:
hye unu.u may call/sms me 012 6720978 or email manzrunz@yahoo.com for more detail about ur investment.i will gif my best advise
[Reply]
#31 by tisha on July 13, 2008 - 7:06 pm
Is it good time to invest in UT, considering the volatile condition of the market? I had invest in Public UT early this year and end of last year, now looking at economic condition of the world..I feel regret.
[Reply]
norisa reply on July 14th, 2008:
Me too. But now the price have gone low its better to buy more
[Reply]
#32 by michelle on July 17, 2008 - 11:05 am
dear Irwan:
i just starting doing investment on mei 2008, i just want to know how to calculate the profit using you way. for example i bought RM2000 on may, RM3000 on jun and RM1000 on julai. if want to known profit or loss which month selling price should i calculating? and where can find the nav/selling or buying chat?
[Reply]
Irwan reply on July 17th, 2008:
to get current profit/loss, just compared your current units times current NAV, to total money that you have contributed.
[Reply]
#33 by michelle on July 17, 2008 - 11:11 am
when i frist time brought it with selling price RM 0.9300 per unit, now it’s become lower RM0.8664 per unit. should i invest more on this time? thank you for you advice.
[Reply]
#34 by michelle on July 17, 2008 - 11:15 am
sori forgot to tell you, i brought public Ittikal Unit trust same as your. please give some advice about this unit trust. the future profit is good or not?
[Reply]
Irwan reply on July 17th, 2008:
in speculating current market, people have their own opinions. to me, considering unstable local politic scenario, the price still has more chances to go lower. if you want to buy now, it’s still a good time as the price is cheap.
to me, monthly contribution is still the best way to do.
[Reply]
michelle reply on July 17th, 2008:
dear irwan:
First, thank you for you help. Just like what u said above i agree now is good time to buy and make long term investment, because the price’s lower and inflation is getting high and high. the money is like piece of paper. and dunno when the local politic will stable. the scenario make local economic drop and drop. this make me little bit worry but i still confident the pm expert can make a safe and good investment. hope u , me and everybody can earn the profit in future time.
[Reply]
#35 by Fina on August 14, 2008 - 6:48 pm
Dear All,
i’m a new utc at pm. find it very interesting in this forum with lots of knowledge and info. i rely much on this forum coz my upline is staying outstation. Why lately been very slow here. i need to know at this point of time when the market looks quite slow, what is our advice to prospects. thanks.
[Reply]
Irwan reply on August 15th, 2008:
as our economic is cyclical, which has bear and bull market, investors should try to grab the chance to buy unit trust at cheaper price, which is now. Nobody knows when we will reach the bottom but we can do the better guess by analyzing the market.
[Reply]
#36 by anbaransu on August 15, 2008 - 1:03 pm
hai.. apa kelebihan kalau agent tu sendiri invest dalam unit trust berbanding dengan orang yang tidak jadi agent?
[Reply]
Irwan reply on August 15th, 2008:
selain dr blh elakkan 2.6% fee, (sebab fee tu akan dpt pada agen), kite blh track sendiri fund performance, dan jalankan transaction dgn lebih mudah.
[Reply]
#37 by sue on August 17, 2008 - 3:36 pm
Hi…everyone…I’ve enjoyed with this discussion about unit trust..Here, i want to share something with u all… For ur info, pada keadaan ekonomi yg x menentu skarg ni, simpanan yang terbaik adalah dalam unit trust..selain emas, unit trust adalah instrument yg dapat menandingi inflasi..Jadi,untuk achieve financial freedom pada masa akan datng , buatlah simpanan dalam unit trust….Percayalah..nilai nye memg akan berganda utuk jangka masa panjang..
Saya sebagai agent public mutual, juga bertindak sebagai penasihat kewangan dalam menjaga akaun2 pelabur saya..Saya menjaga akaun pelabur sama seperti menjaga akaun sendiri..sy inginkan keuntungan, sama begitu juga para pelabur saya..nasihat dari perunding ttg akaun anda amatlah penting untuk mengetahui adakah anda sedang untung atau rugi…Sekarang adalah masa yg terbaik untuk membeli unit amanah..Gandakan dinar anda sekarang…Tidak kiralah syarikat mana yg menjadi pilihan anda…apa yg anda patut tahu..simpanan amatlah penting dan TERAMAT AMAT PENTING…IA BUKAN KEMAHUAN TAPI KEPERLUAN…Jika sesiapa memerlukan khidmat nasihat dari saya, sy ikhlas membantu anda especially about financial planning..
email me at sue_ai4ever@yahoo.com
[Reply]
#38 by shahril on October 13, 2008 - 5:24 pm
Salam,
Irwan i just want to ask.. Can I invest using acc 1 kwsp in ASB. From list by kwsp, one of the unit trust is IPD035 AMANAH SAHAM NASIONAL BERHAD. If can, how to do it?
Shahril
[Reply]
#39 by Wind on October 15, 2008 - 5:30 pm
Hello Irwan & All great investors,
Thank you for all the sharing. I’ve been reading a lot and gaining lots of info from this site.
I’m new to UT and started to think on investing in UT more to because I’m a mother now and feel that money not enough by just saving in banks.
I’m thinking on investing in Public Mutual PIEF using my EPF fund, would it be too risky now? This should be my long term investment since the money I gained will be deposited back to my EPF Account.
I’m planning for my daughter education as well even tho she is merely 1 yr old. Should I go for aggressive fund like PSmallCAP/PIOF? Or stick with something safer like insurance?
Another thing I would like to mention is that my new hse is almost ready, and I need to do some renovation so I can’t invest much. Any advice?
Many thanks and great site for all investors!
[Reply]
swami reply on October 16th, 2008:
dear wind since u are new to unit trust
i suggest u invest small reguarly- 3 mths
intervals using ur epf and put in a variety of funds when u receive d returns
u can top up ur investments.anyway pls contact me for asistance swami0163712929
or sanniswaran@hotmail.com coz some matters are confedential.tq
[Reply]
Mohd Basir Ahmad reply on October 19th, 2008:
psst…
Call me for appointment. Can explain more.
Rgds,
Basir, UTC,
017-3355733, basirpm@gmail.com
[Reply]
#40 by kiki on October 16, 2008 - 1:33 am
hai..
i’m kiki and just pass with my exam to become an agent of public mutual fund. but i don’t know what the information should i know as an agent now and sometimes i cannot explain to my friend how to invest in that trust. if you dont mind, i would like for your kindness to reply me soon at my email. thanks again
[Reply]
Mohd Basir Ahmad reply on October 19th, 2008:
do you have uplines ? who recruited you ?
[Reply]
kiki reply on October 22nd, 2008:
for your information, i do not know anything about this public mutual fund. my relatives told me to take an exam and when i’m pass she want to invest in unit trust through me as an agent not by her friends..but i’m willing to know what should i know since i’m become an agent now..tq
[Reply]
swami reply on October 22nd, 2008:
kiki i suggest u get your self updated in http://www.public mutual.com.
coz at least u will know whats ut abt
also be take care what u sell even 2
relatives coz the market is very
turbulent and up and down,if they make money its good ,if they lose money u know who they will blame
take care swami 0163712929
Mohd Basir Ahmad reply on October 23rd, 2008:
If that so,
Kiki pls call me at 017-3355733
I can teach you from A-Z.
Rgds
Basir, Agency Manager
#41 by cyborq on October 18, 2008 - 11:35 pm
Hi Irwan…
With current global economic situation & from MTEN press released that Malaysia is expected will go for 40% technical recession proberly starting from 2nd quater next year….talking about unit trust, Pittikal price already low to 0.6919, I buy at 0.8082 price with
RM 10,000 investment, if I let it all in Ittikal it will go down until don’t know when my ittikal investment will break even..
Switching some of my RM,let say RM5000 from Ittikal to Bond…is it a right move?
[Reply]
#42 by MOHD ANUAR on October 21, 2008 - 6:08 am
sdr Irwan,
Saya ingin tahu lebih lanjut mengenai anugerah berupa lawatan keluar negara YANG TELAH DIBERIKAN (telah pergi pada 09,10 atau 11 oktober 2008)kepada agent-agent Public Mutual yang berjaya melepasi target yang ditetapkan.Maksud saya ke mana mereka telah pergi pada tarikh berkenaan.
t.kasih sdr Irwan.
[Reply]
#43 by MiZaNiZMe on January 2, 2009 - 1:52 pm
Salam Irwan,
I just suddenly found this site when surfing recently..
Just wanna know your wise opinion, due to the current economy crisis, is it good for me to invest in this Unit Trust???
[Reply]
#44 by sham on January 7, 2009 - 10:35 am
i just know that my friends have the public mutual software that can gives us previous day or price of specific fund from for example 1 jan 2007 to today date.. the listing of price.. if anyone or you irwan got the software, can you please fwd them to me or at least inform me on how to get the software, please do contact me via mail at somecd83@hotmail.com
TQ
[Reply]
#45 by Newbies on January 27, 2009 - 1:26 pm
Does anyone knew any good agent at klang area?
[Reply]
#46 by yeen on February 28, 2009 - 7:13 pm
hye my name is yeen.i’m a fresh graduate and i’ve just started working at public bank as a personal financial executive.i was browsing through websites to learn more about unit trust and i found this blog.and it helps me a lot!
however,i dont have any exposures or knowledge of unit trust.i need to know more of it.and as i’ve just started workin,i have to meet the sales target and its hard for me to convince to clients if i dont know how.
i really hope that someone could help me to become a very good unit trust consultant.i have the biggest interest to know more bout unit trust,the procedures, the investment and everything related to it.
please email me at ye3n@yahoo.com if ur willing to help.thank u very much!
[Reply]
#47 by collyen on April 15, 2009 - 4:18 pm
intresting…..
if i invest 1K and monthly put in rm100 to my investment, how do i know brape unit yg i ade after 5months or 1 yrs?
is there any statment that i dpt..
kalau ade how frequent statment tu i dpt????
coz i plan to invest in ittikal @ smallcap…
somebody pls help me…..
[Reply]
#48 by nikz on April 23, 2009 - 10:57 am
salam collyen,brp unit yg u dapat bergantung pada hrga price semasa utk fund tersebut:
cth:simple calcution utk pengiraan unit
if u topup bulan2 rm100;
jan: price rm1.00/unit ; rm100/rm1 = 100 units
feb: price rm1.20/unit ; rm100/rm1.2 = 83.33 units
mac: price rm0.90/unit ; rm100/rm0.9 = 111.11 units
setiap kali u topup investment, public mutual akan hantar statement kt rumah u n segala transaction (total units,price,fund name) akan tertera dalam statement tersebut.kalo u topup sebulan sekali,maka sebulan sekali la statement akn sampai ke rumah u..;-)
nikz
agency supervisor
public mutual berhad
012-6720978
[Reply]
#49 by Yusdi Gan on May 11, 2009 - 3:27 pm
Hi..all utc’s team
…sunshine just raise up…keep it up…alot of fund rebound their price…it time for us to make our client more support our biz. since January a few fund give a good return..let them know about this situation
Yusdi Gan 013-7647515 ( JB Branch )
[Reply]
#50 by Nikki on May 12, 2009 - 6:16 pm
Hi..
Interested to invest in unit trust.
Anyone in Kota Damansara or DU?
Please e-mail me nikkizahri@gmail.com
[Reply]