【基金专题讨论】2014-2016年-大众信托基金VI

ky_1630

福气又安康 发表于 14-7-2017 10:26 AM
原来楼上说的基金叫 Public e-Flexi Allocation Fund。今天早上收到电邮了。通过 PMO 买。没了代理的佣金，还是要收顾客 3.75%。

有得必有失
人家不会白白送2%给顾客。。。
少于两年卖出去就得还了。。。

福气又安康

ahlauweihotmail 发表于 14-7-2017 07:26 PM
来研究一下，

如果投资者‘贪便宜’，那么代理在行销道路上不是更难行了？
这基金有没有MGQP？
如果转入设有5.5%入场费的基金，是不是得付1.75%（5.5-3.75)的差额?

我猜这个基金是不能够进行转换的。整份说明书也只有 sales、redemption 和 transfer 这三种 charge。而整份说明书唯一的 “switching” 字眼就只有这个：

所以我估计投资者买入这个基金之后，也只能赎回，或者转给另外一个人。

tboontan

要告诉大家一些 正确的资讯，
1--在现阶段，公司并没有执行 2% 赎回费的意愿，。放这条款只是备用而已


2--这网上基金，并无绕过顾问的意思。


与以往一样，投资者网上可以委任顾问，或基金直接由公司接手。


3--MGQP 是一样享有的，  3% 服务费的公积金投资都有 MGQP ,更何况是 3.75%


4--现在只有一个 3.75% 的 网络基金，所以，没得转换，在以后，有了其他的 E 系列基金，转换就被允许了（E系列股市基金之间的转换）


5---一向来， TRANSFER 只允许在投资者的家属范围。TRANSFER 的范围太小，不应在我们讨论范围内

tboontan

另外，我个人是无任欢迎这个系列，

相对于 6.5% 服务费的时代， 5.5% 时代，顾问的收入更多。

公积金减低服务费至3% 后， 基金顾问赚的更多，

市场一直向前演变，蛋糕快速的扩大，

大家要思考，1亿元的 5.5% 是多少？

而2亿的3.75% 是多少 ？

tboontan

公司今日发内部通告，

这个刚推出新的基金（3.75%服务费），

只要在31/12/2018 前投资，2%的脱手（卖出）服务费将不会实施。

fecilachong

PAIF and PFA30F 很強....

福气又安康

已经进入 2017 年 8 月的第二天。前天大众信托基金宣布 9 个基金 2017 年 7 月 31 日财年结束的分利。据说高达 2 亿 4700 令吉。以下是那 9 个基金的分利：

基金	每单位毛分利（仙）
Public Growth Fund	2.00
Public Far-East Property & Resorts Fund	1.50
Public Australia Equity Fund	1.20
Public Optimal Growth Fund	0.75
Public Islamic Opportunities Fund	1.00
Public Islamic Select Enterprises Fund	1.00
Public Bond Fund	4.00
Public Islamic Select Bond Fund	3.50
Public Islamic Income Fund	3.00

福气又安康

再来看看大众信托基金在 2017 年 7 月的表现如何。

10 个表现最好的基金：

基金	表现（%）
PB China Pacific Equity Fund	+6.87
PB China Australia Equity Fund	+6.68
Public China Titans Fund	+6.45
Public Tactical Allocation Fund	+6.00
PB China ASEAN Equity Fund	+5.96
PB Asia Emerging Growth Fund	+5.94
PB Dynamic Allocation Fund	+5.71
Public Far-East Select Fund	+5.69
Public Far-East Alpha-30 Fund	+5.62
Public Navigator Growth Fund	+5.21

10 个表现最差的基金：

基金	表现（%）
Public Islamic Optimal Growth Fund	-1.08
Public Optimal Growth Fund	-0.97
Public Index Fund	-0.86
Public Islamic Select Enterprises Fund	-0.84
Public Islamic Sector Select Fund	-0.76
Public Islamic Growth & Income Fund	-0.74
Public Equity Fund	-0.66
Public Islamic Dividend Fund	-0.66
Public Focus Select Fund	-0.63
PB Dividend Builder Equity Fund	-0.61

7 月份，投资在大马的基金还没有恢复。投资在国外的基金尤其远东及大中华地区的基金表现非凡。

leekk8

和大家分享一下8月份本地和区域股市指数的走势。

The Local and Regional Markets Index Performance

	2 Aug 2017			3 Jul 2017
	Index	P/E Ratio	Change (%)	Index
KLCI (Malaysia)	1,770.61	16.72	0.11	1,768.67
Dow Jones (US) *	22,016.24	18.82	2.48	21,484.16
SSE (China)	3,285.06	17.66	2.79	3,195.91
STI (Singapore)	3,348.80	13.38	3.89	3,223.46
Hang Seng (Hong Kong)	27,607.38	14.51	7.07	25,784.17
HSCEI (Hong Kong China)	11,055.42	9.14	6.17	10,412.48
JCI (Indonesia)	5,824.25	24.06	-1.45	5,910.24
Nikkei (Japan)	20,051.18	18.35	-0.02	20,055.80
TWSE (Taiwan)	10,519.27	16.17	1.02	10,412.79
SET (Thailand)	1,580.54	16.16	0.07	1,579.41
S&P 500 (US) *	2,477.57	21.30	1.67	2,436.94
ASX 200 (Australia)	5,712.70	19.40	0.50	5,684.49

* Data of previous day

福气又安康

大众信托基金推出了新的 PB 系列基金：PB Asia Pacific Dividend Fund。

honwai1996

福气又安康 发表于 16-8-2017 01:38 PM
大众信托基金推出了新的 PB 系列基金：PB Asia Pacific Dividend Fund。

今天才进了3k试试

fecilachong

請問public navigator growth 和 e-flex allocation fund 是不是相同性質...同一個基金經理在管?有沒有辦法知道現投資的項目?

福气又安康

又是月尾。大众信托基金公司宣布 12 个基金的分利。据大众信托基金出的文告，这笔分利超过一亿八千两百万令吉。以下是这 12 个基金的毛分利：

基金	每单位毛分利（仙）
Public SmallCap Fund	6.00
Public Indonesia Select Fund	1.50
Public Select Treasures Equity Fund	1.25
Public Strategic Growth Fund	1.00
Public Islamic Treasures Growth Fund	0.50
Public Sukuk Fund	3.75
PB China Australia Equity Fund	1.75
PB Asia Emerging Growth Fund	1.00
PB Indonesia Balanced Fund	2.00
PB Islamic Equity Fund	0.50
PB Sukuk Fund	3.75
PB Bond Fund	3.75

福气又安康

fecilachong 发表于 27-8-2017 09:08 AM
請問public navigator growth 和 e-flex allocation fund 是不是相同性質...同一個基金經理在管?有沒有辦法知道現投資的項目?

来看下这两个基金的资料：

基金	Public e-Flexi Allocation Fund	Public Navigator Growth Fund
Category （基金类别）	Mixed Asset	Mixed Asset （混合资产）
Financial Year End （财政年度截止日）	30 September	31 August
Distribution Policy （分利政策）	Incidental	Incidental （次要）
Fund Objective （基金目标）	To achieve capital growth over the medium to long-term period through a portfolio allocation across equities and fixed income securities.	To achieve capital growth over the long-term period by investing in a diversified portfolio of equities and fixed income securities in the domestic and foreign markets. （通过投资在由国内外市场的股票及固定收入证券组成的多元化投资组合，以在 长期内达致资本成长。）

Investment Policy and Strategy （投资政策与策略）

基金	Public e-Flexi Allocation Fund	Public Navigator Growth Fund
Typical Asset Classes （典型资产类别）	• Equity and equity-related securities, which include: ➢ Blue chip stocks, index stocks and growth stocks. ➢ Stocks of IPO companies seeking a listing in Eligible Markets. ➢ Unlisted equities. ➢ Warrants. • Collective investment schemes. • Fixed income securities which include redeemable loan stocks with convertible features. • Liquid assets which include money market instruments and deposits.	• Equity and equity-related securities, which include: ➢ Blue chip stocks, index stocks and growth stocks. ➢ Stocks of IPO companies seeking a listing in Eligible Markets. ➢ Unlisted equities. ➢ Warrants. • Collective investment schemes. • Fixed income securities which include redeemable loan stocks with convertible features. • Liquid assets which include money market instruments and deposits.
Asset Allocation （资产分配）	Equities: Up to 98% of the Fund’s NAV Fixed income securities: Up to 98% of the Fund’s NAV The balance of the Fund’s NAV will be invested in liquid assets. Foreign assets: Up to 30% of the Fund’s NAV	Equities: Up to 98% of the fund’s NAV Fixed income securities: Up to 98% of the fund’s NAV The balance of the fund’s NAV will be invested in liquid assets. Foreign assets: Up to 98% of the fund’s NAV
Location of Assets （资产所在地）	• Malaysia • Up to 30% of NAV may be invested in foreign markets which include:- ➢ China ➢ Hong Kong ➢ South Korea ➢ Taiwan ➢ Singapore ➢ Thailand ➢ Indonesia ➢ Japan ➢ Philippines ➢ Australia ➢ Any other permitted markets where regulatory authority is an ordinary or associate member of the IOSCO.	• United States of America • United Kingdom • Germany • France • Finland • Switzerland • Spain • Italy • Luxembourg • Australia • South Korea • China • Japan • Hong Kong • Taiwan • Malaysia • Singapore • Philippines • Thailand • Indonesia • Any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO.
Investment Approach （投资方式）	Top-down approach is employed to manage exposures to each of the asset classes bearing in mind the risk-reward profile of the respective asset class. Depending on the market outlook, the Fund has the flexibility to rebalance its asset allocation between the different asset classes accordingly. The Fund may increase its equity exposure to up to 98% of its NAV when the market outlook is positive. However, the Fund may lower its equity exposure and increase its investment in fixed income securities and liquid assets if the investment climate is deemed to be unfavourable. Equities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Fixed income securities and money market instruments: The asset allocation between long-tenured and short-tenured fixed income securities and money market instruments will depend on economic growth, interest rate trends and market liquidity conditions. Although the Fund is actively managed, the frequency of its trading strategy will depend on market opportunities.	Top-down approach is employed to manage exposures to each of the asset classes bearing in mind the risk-reward profile of the respective asset class. Equities: Bottom-up approach is employed in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Fixed income securities and money market instruments: The asset allocation between long-tenured and short-tenured fixed income securities and money market instruments will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.

从以上的表看来，简单的来说，这两个基金最大的分别就是在它们投资的区域。PeFAF 比较注重大马，投资在亚太区的也不超过基金的 30%，而 PNVGF 则分散投资全世界，主要是 developed market，投资在大马的部分少。

PeFAF 的户口只需要 RM100 就可以开，PNVGF 的最低首笔投资额依然是需要 RM1000。另一个差别是 PeFAF 这个 e 系列的基金，销售费是高达 3.75%。据它的说明书，若在两年内赎回（redeem）单位，将会有高达 2% 的 redemption charge。但，基金经理说 2018 年 12 月 31 日或之前购入的单位将不会被征收这笔 redemption charge。基金经理说而已。我到目前为止都还没有看到大众信托基金公司出文告提起这个豁免消息。
基金经理方面，之前 PNVGF 推出的说明书里，写的是 Mr. Chiang Kang Pey 和 Mr. Tan Kok Keong。但是 2017 年 4 月 29 日开始推出的说明书是没有提到基金经理的资料。所以这个 2017 年 7 月推出的 PeFAF 也没有列出它的基金经理。

基金顾问说，当他们基金顾问见面的时候，他们是没有讨论谁是基金经理的。

钢铁忍者

福气又安康 发表于 30-8-2017 09:49 PM
本帖最后由 福气又安康 于 30-8-2017 10:41 PM 编辑

来看下这两个基金的资料：


Investment Policy and Strategy （投资政策与策略）

从以上的表看来，简单的来说，这两个基金最大的分别就是在它们投资的 ...

大大，你的话，你会拿那一个呢？

福气又安康

钢铁忍者 发表于 30-8-2017 11:58 PM
大大，你的话，你会拿那一个呢？

两个我都不要。把钱通过 fundsupermart 放 Manulife 印度基金更好。

福气又安康

钢铁忍者 发表于 30-8-2017 11:58 PM
大大，你的话，你会拿那一个呢？

但是如果非选一个不可，我会选择 PNVGF。在情况不好的时候我至少还可以马上转换到债券基金或者货币基金避险。
PeFAF 我就不懂目前可以转去哪里了。它的基金说明书除了在 glossary 部分有一个“switching”字眼，其余的内容根本没有提到“switching”。

虽然理论上在不好的情况下，这两个基金都可以把高达 98% 的资产投资在固定收入证券，但由于这两个基金都还新，根本就无法看到基金经理如何利用这个 flexibility 去操作这两个基金使它们在经济状况败坏时依然跑赢债券基金。

钢铁忍者

福气又安康 发表于 31-8-2017 01:02 AM
但是如果非选一个不可，我会选择 PNVGF。在情况不好的时候我至少还可以马上转换到债券基金或者货币基金避险。
PeFAF 我就不懂目前可以转去哪里了。它的基金说明书除了在 glossary 部分有一个“switching”字眼， ...

我上了PeFAF，看上它的3.75%。希望不会荷兰了。。。

福气又安康

已经进入 2017  年 9 月了。来看看上个月的大众信托基金成绩单：

10 个表现最好的基金：

基金	表现（%）
Public Islamic Asia Leaders Equity Fund	+2.89
PB Islamic Asia Strategic Sector Fund	+2.83
PB Islamic Asia Equity Fund	+2.79
Public Islamic Asia Dividend Fund	+2.62
PB China ASEAN Equity Fund	+2.57
Public China Ittikal Fund	+2.57
PB China Pacific Equity Fund	+2.51
Public China Select Fund	+2.21
Public Islamic Optimal Equity Fund	+2.11
Public Asia Ittikal Fund	+2.10

10 个表现最差的基金：

基金	表现（%）
Public Islamic Advantage Growth Fund	-2.40
Public Ehsan Mixed Asset Growth Fund	-2.25
Public Islamic Emerging Opportunities Fund	-2.14
Public Australia Equity Fund	-1.97
PB Smallcap Growth Fund	-1.37
Public Strategic Smallcap Fund	-1.36
PB Singapore Advantage-30 Equity Fund	-1.20
Public Singapore Equity Fund	-1.15
Public Strategic Growth Fund	-1.14
PB Mixed Asset Growth Fund	-1.07

大众信托基金在 2017 年 8 月推出了新的一个 PB 系列基金：PB Asia Pacific Dividend Fund。
8 月亚洲区域和大中华区域基金表现比较好。本地基金依然落后。其实涨最多的基金是 Public China Access Fund +4.48%。

tboontan

公司的通告



Revision of Switching Fee for Switching Made After 90 Days

The following switching fee shall apply with effect from 1 January 2018:-

Switching Submitted via Form RM35 per transaction Switching Executed via Public Mutual Online (“PMO”) RM10 per transaction

2.	The switching entitlements extended to Mutual Gold and Mutual Gold Elite members will be revised accordingly with effect from 2018.
	(i)	Switching Submitted via Form
		Mutual Gold members - 15 entitlements per annum Mutual Gold Elite members - 25 entitlements per annum
	(ii)	Switching Executed via PMO by Mutual Gold and Mutual Gold Elite Members
		Free
3.	Please take note that switching fee for switching made within 90 days (from the date of purchase / switch in) and sales charges on switching of 1%-load units / low-load units / zero-load units (for switching made within and after 90 days) will remain unchanged as per prospectus of respective funds.

Kindly notify your unitholders accordingly.

Should you require further information, you may contact our Customer Service Hotline at 03-62075000.