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PAST PERFORMANCE IS NOT INDICATIVE FOR FUTURE PERFORMANCE.

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  • k.parameswaran ramesh
    In my previous email, I said that Public Saving Fund going to declare dividend and those want to invest, can invest before 31/12/2010 as you will get the
    Message 1 of 1 , Jan 2, 2011
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      In my previous email, I said that Public Saving Fund going to declare dividend and those want to invest, can invest before 31/12/2010 as you will get the dividends as well.

      RM0.09 was declared as distribution for financial ending 2010.

      http://www.publicmutual.com.my/page.aspx?name=prs_rls_301210_1700

      For those have 1MIL units in this fund, can enjoy RM90, 000 as dividends for this year.

      ASB only declare RM0.0875 for 2010.

      http://biz.thestar.com.my/news/story.asp?file=/2010/12/22/business/7664344&sec=business

       So, Public Saving Fund returns is better than ASB for year 2010.

      Non-bumis cannot buy ASB, no worries as Public Saving Fund can give better return than ASB.

      For those miss the boat, you still can invest in Public Index Fund and Public Islamic Optimal Growth Fund. The distributions going to declare in 31/01/2011.  Next month. You still can buy these funds and enjoy the dividends, if any. These Funds can be buy using EPF Scheme.

       

      PAST PERFORMANCE IS NOT INDICATIVE FOR FUTURE PERFORMANCE.

      This Statement is apply for all investment including Unit Trust, EPF and FD.

      The actual meaning is, the future performance won't be the same as past. The Future performance  could be same or less or high than past performance in Unit Trust Investment.

      If we Invest now and of course we do not know what will be the future performance.

      The same scenario in 80’s for those invest in Public Saving Fund. What will be the future performance for next 20 years or more

      Let see a very good Actual Performance.

      Public Saving Fund(PSF) vs FD vs EPF

      RM10,000 invested respectively.

      Investment period – 20 years

      The returns as follows:

      Year / PSF / FD / EPF

      01/01/1982/ to 02/01/2003-RM34,777/ RM39,867/ RM47,779  (EPF & FD higher than PSF)

      But in year 01/03/2000 the returns was RM48, 474/ RM35,547/ RM41,497

      01/01/1983/ to 02/01/2004- RM44,275/ RM37,477/ RM46,134

      01/01/1984-03/01/2005- RM44,038/ RM35,501/ RM44,454

      01/01/1985 to03/01/2006- RM52,991/ RM33,189/ RM42,939

      01/01/1986 to 03/01/2007- RM77,377/ RM31,979/ RM41,555

      01/01/1987 to 02/01/2008- RM96,150/ RM31,019/ RM40,411

      01/01/1988 to 02/-01/2009- RM72,624/ RM30,814/ RM38,888

      01/01/1989 to 04/01/2010-RM87,113/ RM30,269/ RM 37,989

      01/01/1990  to 01/12/2010- RM68,190/ RM29,301/ RM 36,938

      Findings:

      1. The EPF returns lesser and lesser because the given dividends lesser and lesser.Average 5% to 6%. .

      1980 -1982 / 8.00%                 2002 / 4.25%
      1983 - 1987 / 8.50%                2003 / 4.50%
      1988 -1994 / 8.00%                 2004 / 4.75%
      1995 / 7.5%                               2005 / 5.00%
      1996 / 7.7%                               2006 / 5.15%
      1997 - 1998 / 6.7%                   2007 / 5.80%
      1999 / 6.84%                             2008 / 4.50%
      2000 / 6.00 %                             2009 / 5.65%
      2001 / 5.00%

      2. FD returns, extremely reduce, because the average returns for FD reduce from 80’s until now.

      The average return of FIXED DEPOSITS FOR 12 MONTHS SINCE 1980 AS FOLLOWS:-

      1980 / 9.0%               1996 / 7.3%
      1981 / 11.0%
                   1997 / 9.3%
      1982 / 10.0%             1998 / 5.7%
      1983 / 9.0%               1999 / 4.0%
      1984 / 10.8%             2000 / 4.2%

      1985 / 7.5%               2001 / 4.0%
      1986 / 7.0%               2002 / 4.0%
      1987 / 4.3%               2003 / 3.7%
      1988 / 4.3%               2004 / 3.7%  
      1989 / 5.4%               2005 / 3.7%
      1990 / 7.2%               2006 / 3.7%
      1991 / 8.2%               2007 / 3.7%
      1992 / 7.8%               2008 / 3.7%

      1993 / 6.3%               2009 / 2.5%

      1994 / 6.2%               2010 / 3%

      1995 / 6.9%

      3. The returns of Public Saving Fund fluctuate follow the market trends.

      The Distribution Yield & Distribution (Sen) per unit for PSF since 2001 as follows

      2000/9.5%/RM0.06 per unit             2005/8.6%/ RM0.05 per unit

      2001/4.7%/ RM0.03 per unit            2006/9.6%/ RM0.065 per unit

      2002/1.7%/ RM0.01 per unit            2007/12.6%/ RM0.10 per unit

      2003/2.3%/ RM0.015 per unit          2008/14.7%/ RM0.075 per unit

      2004/6.6%/ RM0.04 per unit            2009/12.4%/ RM0.08 per unit

       Public Saving Funds, Even though, it’s not well performed initially but later the fund performed well compare with EPF and FD.

      Let’s say, If the money not taken out after 20 years and continue in investment until 01/12/2010, the returns are as follows:

      01/01/82 – 01/12/2010- (28 yrs) – RM101,968/ RM52,190/ RM71,662

      01/01/83 - 01/12/2010- (27 yrs) – RM104,724/ RM47,282/ RM66,142

      01/01/84 -01/12/2010- (26 yrs)- RM91,609/ RM43,164/ RM60,770

      01/01/85 -01/12/2010- (25 yrs)- RM105,852/ RM38,888/ RM55,835

      01/01/86 -01/12/2010- (24 yrs)- RM121,,245/ RM36,101/ RM51,301

      01/01/87- 01/12/2010- (23 yrs)- RM113,897/ RM33,744/ RM47,134

      01/01/88 - 01/12/2010- (22 yrs)- RM116,613/ RM32,343/ RM43,324

      01/01/89-01/12/2010- (21 yrs)- RM98,588/ RM30,970/ RM40,004

      01/01/90 -01/12/2010- (20 yrs)- RM68,190/ RM29,301/ RM36,938

       

      The longer the investment period, the higher the return in Public Saving Fund compare with EPF and FD.

      Conclusion.

       Public Saving Fund  can give better returns in future compare with EPF and FD.

      If you want your money grow faster than EPF and FD, You better choose Public Mutual Funds.

      Do not miss the great opportunity because  the statement PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE PERFORMANCE.

      Be a smart investor by choosing Public Mutual.

       

      For those want to invest, you may read my blog at www.grow-money77.blogspot.com.

       

      Pls read the Prospectus, Possible RISKS, How To Invest, FAQ page in the blog for better understanding.

      Or call me for free consultation.

       

      If anybody wants to join with me as Public mutual Unit Trust consultant. You are welcome.

       

      Parameswaran.K @ RREMY

      Unit Trust Consultant

      Public Mutual Berhad

      www.publicmutual.com.my

      www.grow-money77.blogspot.com

      017-8735029

       

       

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