MELABURLAH DI BANK....UNTUK MASA DEPAN...

pelaburSwisscash · Moderator

MELABURLAH DI BANK....UNTUK MASA DEPAN...

olitabin · Senior Member

Salam Petang..

Same lah, org2 public mutual sile beri keterangan.. kami sedia mendengar penjelasan dari anda..

Hamid · Moderator

http://www.publicmutual.com.my/

INVEST WITH Public Mutual

Incorporated on 21st July 1975, Public Mutual began its operations as a unit trust manager in 1980 and soon went on to become an industry leader with a total of 56 funds of different investment objectives to suit different needs. Today, Public Mutual has branches located at market centres throughout the country supporting over 6,000 professional unit trust agents.

This section will touch on the "how to" for the most common transactions a unitholder will effect with the range of products and services offered by Public Mutual .

Public Mutual distributes unit trusts through its network of dedicated agents who are registered with FMUTM. Investors have the right to view the authorisation card issued by FMUTM to the attending agent. The authorization card is an indication that the agent is permitted to deal in unit trust products.

Public Mutual offers its investors a broad choice of three categories of funds. These are equity funds, balanced funds, and bond funds.

We believe the best source for personalized assistance is your servicing agent. If you do not have one, you may contact the nearest branch office and request for a servicing agent.

Alternatively, you may call our Hotline : 03-6207 5000, and let our Customer Service personnel attend to you. Public Mutual offices are open for enquiries on Mondays to Fridays, except public holidays, from 8.30am to 5.30pm.

Click here to find out all that you want to know about us.

HOW TO BUY, SELL OR SWITCH UNITS OF FUNDS

Read and Understand the Prospectus of the Fund(s)

Firstly, get a copy or download the Master Prospectus from our site. The Master Prospectus will describe all aspects regarding the fund(s), ie; the investment objective, distribution policy, portfolio risk, fees and charges etc. You may also access the interim and annual reports of each fund from our site.

How to open an account

You may complete an Application Form which is attached in the Prospectus. If you are opening a new account, most of our unit trust require a minimum RM1,000 to start.

You may enclose cash or cheque together with your application form. Cheques must be made payable to Public Mutual Berhad.

For EPF members investment scheme application, the KWSP 9F (AHL) is required to be completed and submitted along with the Application Form.

Please bear in mind that you will require the assistance of a servicing agent on opening a new account. The servicing agent will help submit your application form and initial investment to Head Office or branch office or via our collecting centres for processing.

Once you have completed the Application form submit together with a cheque made out to Public Mutual Berhad, to our Head Office via our Public Bank collection centres. You are considered to be a unitholder of your selected fund upon your banking-in and acceptance of first investment with us. Please ensure that you retain the bank-in slip issue by the bank for future reference.

How to Invest Regularly to Your Investment Account

You may add on to your existing investments as and when you wish, or on a regular basis. The minimum additional investment for most of our unit trust is RM100. You may make your investments at our Head Office, branch offices or at Public Bank and Public Finance branches or at any of our collection centres throughout Malaysia.

To elect to invest on a regular basis, you may arrange a Bank Standing Instructions with Public Bank, Public Finance, Maybank Autodebit or Bank Simpanan Nasional. Want to know more about the benefits of regular investment strategy or "dollar-cost averaging" ?

" The Principle of Dollar-Cost Averaging involves a disciplined regular investment technique, which may be applied to maximum effect in unit trust investing. All that an investor has to do is to invest a regular (monthly) sum of money with a selected unit trust fund over a period of time in order to arrive at his target principal investment amount at the end of that period. This way, he does not have to worry about market timing, or where shares prices or interest rates are headed. His regular investment amount will buy his less when the market is up, and more when the market is down. He may be accumulating the units at their lowest average price over the period."

Exercise of Cooling-off Right

The request to exercise your cooling-off right must be submitted either to the Public Mutual Head Office, or to any of its branch offices within 6 business days from the date of the application form (deemed to be the date of depositing of investment monies into the collection accounts of Public Mutual). You will be paid a full refund of your investment principal within 10 days from the date of exercise of this cooling-off right.

For EPF unitholders, the cooling-off period shall begin from the date of the application form (deemed to be the date of acceptance of the application form by Public Mutual).

Corporates or institutions, staff of the Manager and persons/agents registered to deal in its unit trust funds are not entitled to the cooling-off right.

Under the cooling-off request, the refund for every unit held by the unitholder will be the sum total of :

a) the NAV of unit on the day the units were first purchased; and

b) the sales charge per unit imposed on the day the units were purchased.

Exercise of Repurchase, Switching and Transfer of Units

Repurchase

Should you decide to either partially or fully redeem your units, you may contact either your nearest Public Mutual branch office or Public Mutual Head Office for a copy of the "Request For Repurchase" Form. Complete the form and submit to Public Mutual Head Office or its branches. You will be paid the repurchase proceeds within 10 days from our receipt of your repurchase request.

Switching

You may move your investments between funds in response to changing financial goals or market conditions by contacting either your nearest Public Mutual branch office or Public Mutual Head Office for a copy of the "Request For Switching" Form. Complete and submit the form to our Head Office or a branch office.

Transfer

For the transfer of units, you may follow a similar route of procedure but make sure to request for and complete the "Request For Transfer" Form.

Minimum Investment Balance of 1000 Units

Whatever you may do by way of repurchase, transfer or switching of funds, you must always ensure that you leave a minimum balance of 1000 units in your account at all times in order to maintain your account with the fund.

In the case of partial repurchase, the Manager may elect to repurchase the entire account if the effect thereof would be that the unitholder holds less than 1000 units.

Pledging of Units as Collateral

Units held by you may be pledged as collateral for securing loans with Public Bank under the Unit Trust Flexi-Loan Express (UNIFLEX) Plan. The UNIFLEX Plan has many advantages. For details on the UNIFLEX Plan, you may call Public Bank Hotline : 1800-883323.

Borrowing to Purchase Units

You may utilise the loan financing scheme available with a maximum loan margin of 60% of the total investment amount. The two financial institutions offering such loans are Public Bank and Mayban Finance. These institutions, however, retain the right to determine the availability and extent of this loan facility. You are required to read and understand fully the risk disclosure statement on the loan scheme before signing off on the statement (Please refer to Loan Financing Risk Disclosure Statement attached to the Prospectus).

It is our company policy to discourage the use of loan scheme in the purchase of units.

Unit trusts are considered long term savings vehicles which should, theoretically speaking, return better than bank deposits or bonds through its investment in equities or other market-related securities. But likewise, unit trusts cannot avoid assuming to a certain extent the market risks inherent in its portfolio investments, and it would be considered unwise for the unitholder to undertake borrowing to purchase his units as it may serve to accentuate any capital loss incurred by him in the event of a prolonged weak (bear) market. Cash purchase of units is encouraged, and unitholders should instead, seek to invest regularly (through time) to accumulate the total number of units desired by them.

nayie_pm · Senior Member

public mutual adalah anak syarikat penuh public bank.
keuntungan/agihan purata biasanya dalam 20% setahun( kadang2 lebih sehingga mencecah 50-60%). bukan macam fixed deposit yang tidak dapat mengeluarkan wang walaupun kita dalam keadaan tersdesak melainkan cukup tempoh matang.sama macam asb (cara simpanan,boleh ditopup ,minima topup rm100,jika tak nak topup takde masalah)minima pelaburan permulaan adalah rm 1000.satu jer,ia tak ader buku akaun.takde masalah sebab skrng pun bank2 lain pun bila bukak akaun,cuma bagi kad sahaja.public mutual adalah profesional,once kita buka akaun,data kita ada kat public mutual,bagi ic dah bolek check akaun kita.layanan kat public mutual bagus....duit ,kita hanya boleh dibankin mana2 cawangan public bank.sebab public bank sebagai tempat simpan duit.urusan pelaburan dijalankan oleh fund2 manager yang profesional.
satu lagi pelaburan unit amanah PUBLIC MUTUAL ini adalah mengikut hukum syariah,segala pelaburan dikawal oleh panel2 syariah.PUBLIC MUTUAL sudah lama bertapak di Msia (1975 lagi,tp dulu dikenali sebagai KL mutual).
Ianya 'meletup' selepas dana syariah mula2 diperkenalkan pada tahun 10apr1997 (public ittikal fund) .**jumlah pulangan dalam tempoh 5 tahun adalah 167.15% (sumber : Lipper asia Ltd,14januari2008)

prinsipnya mudah,saya akan emelkan berkenaan public mutual kepada saper2 yang berminat.
emel saya kat nazri_w17@yahoo.com

-- Edited by nayie_pm at 14:55, 2008-04-20

alypower · Otai Member

Dalam public mutual aku pun dah labur 8K tapi bkn cash dari poket ler...kwsp.Sejarah kelabu masa lalu membuat kita lebih bijak mengatur strategi..dan ada satu lagi biz cantik yg aku baru join n mmg real,member kita juga yg perkenalkan.

kaya coz sc · Otai Member

cantik.... skrg nie pun public mutual pun dah kira meletup dah.....

mamos · Newbie

Lepas election baru2 nie aku tgk Mutual Fund (MF) dah slow skt. Sblm election hr tu, profit aku dah 30%, lps election dah jd 10%. Nyesal tak jual masa tu. Aku ingat kalau sapa2 nak invest dgn EPF money, baik invest kat Saham Wawasan 2020. Lot utk bumi byk lg. Utk maklumat, sila kunjungi pej PNB yg berhampiran, prosesnya mudah dan capital kita pun terjamin. Dividen yg dibyr pun blh tahan jugak lumayannya w'pun tak selumayan ASB. At least safe. Capital tak hilang berbanding MF dimana kita boleh mengalami kesusutan nilai pokok. nama pun pelaburan. Aku dah stop melabur dgn MF nie, last sekali aku melabur bln Jan 08, invest 15K dr EPF acc, last week check statement aku jadi 13.6K. Nasib baik aku melabur lps EPF byr dividen dia, jika tidak 2 kali rugi. Buat member2 semua, study dulu sblm invest kerana duit EPF tu utk masa tua kita - keuntungan terdahulu tidak boleh dijadikan sandaran utk keuntungan dimasa hadapan.

USERNAME · Otai Member

Apa-apa pun kalau invest ada untung dan ruginya. Tapi kat MY ni banyak ruginya dari untung. Lebih baik simpan dalam perut........

akai pc · Moderator

apa2 pun kalo labur dlm btuk duit memang dlm apa btk pun mcm saham, forex, risiko dia sgt tinggi dan ruginya pun besar.

nasihat saya kalo sesapa yg byk duit tu beli la tanah, rumah, kedai, sebab benda2 mcm ni tak pernah susut nilainya selagi manusia makin byk beranak. yg penting kena la bijak bagaimana nak urus bnda2 ni. cth tanah seperti sewa ke, pertanian ke, mcm rumah plak bagi sewa kat org, dan kedai pun kalau tak usaha sendiri boleh sewa kat org.

pasai tu org cina sekarang ni kaya raya sebb mereka byk kumpul bnda2 mcm ni dr kumpul duit saja yg tak menentu nilainya.

sapphire5157 · Junior Member

mamos wrote:

Lepas election baru2 nie aku tgk Mutual Fund (MF) dah slow skt. Sblm election hr tu, profit aku dah 30%, lps election dah jd 10%. Nyesal tak jual masa tu. Aku ingat kalau sapa2 nak invest dgn EPF money, baik invest kat Saham Wawasan 2020. Lot utk bumi byk lg. Utk maklumat, sila kunjungi pej PNB yg berhampiran, prosesnya mudah dan capital kita pun terjamin. Dividen yg dibyr pun blh tahan jugak lumayannya w'pun tak selumayan ASB. At least safe. Capital tak hilang berbanding MF dimana kita boleh mengalami kesusutan nilai pokok. nama pun pelaburan. Aku dah stop melabur dgn MF nie, last sekali aku melabur bln Jan 08, invest 15K dr EPF acc, last week check statement aku jadi 13.6K. Nasib baik aku melabur lps EPF byr dividen dia, jika tidak 2 kali rugi. Buat member2 semua, study dulu sblm invest kerana duit EPF tu utk masa tua kita - keuntungan terdahulu tidak boleh dijadikan sandaran utk keuntungan dimasa hadapan.

Mutual Fund ni untuk medium and long term investment, Kalau you check, Contohny Public Ittikkal Fund 143% return untuk 3 tahun

kaya coz sc · Otai Member

mmg public mutual dah meletup kat sini skrg nie....

Pejal · Moderator

Akm,

Kalau nak financial freedom, pelaburan mutual fund adalah jalan terbaik, tapi hati kena sabar banyak, mesti kuat hati untuk pejam ajer mata masa simpan di mutual fund. ramai yang dah berjaya. Ini pelaburan jangka panjang.

Wassalam

USERNAME · Otai Member

Kalau tak ade duit macam mana?

kaya coz sc · Otai Member

along kan ada.... he...he...he....

Lampu · Member

kaya coz sc wrote:

along kan ada.... he...he...he....

Ok gak tu.............. biggrin biggrin biggrin

kaya coz sc · Otai Member

kami bukan along.... kami cuba nak tolong...... bila tak dpt byr nanti, kepala potong.....