from Amanah Raya Berhad without having to appoint
Amanah Raya Berhad as Executor.
The free Will-writing service for Mutual Gold Members also comes with free
custodian service.
For more information, please call our Hotline 03 – 6207 5000.
Alternatively, you may also contact Amanah Raya Berhad’s Care-Line at
03 – 2072 9999.



Free Will-writing Service For Mutual Gold Members
We wish to inform that Mutual Gold Members can now enjoy the free
Will-writing service

Special Service Charge of 5% on Equity Funds

Dear All,

GOOD NEWS !!

P.Mutual will be offering SPECIAL S/CHARGE OF 5% for all CASH Equity Funds from 3rd Nov to 3rd Dec 2008.




From
PUBLIC MUTUAL
WHOLLY.OWNED SUBSIOIARY OF PUBLIC BANK

Special Service Charge of 5o/o on Equity Funds

Good news to all!
We are pleased to announce that we will be offering a Special Service Charge of 5%
on all our equity funds for a limited period from 3 November to 3 December, 2008.
This special service charge will be extended to all cash transactions (including
standing instructions, RCA instructions and switching of low-load units) into the
equity funds during the said period.

It is indeed an opportune time to encourage long term investors to take advantage of
the current attractive market valuations, to increase their investment into the equity
funds to meet their long term investment goals. We attach an update on domestic and
regional market valuations for your reference.
The world's most renowned investor Warren Buffett had in his recent article titled
'Buy American. I Am" published on 16 October 2008 in the New York Times, quoted
the following in explaining why he began to invest heavily in stocks

I can't predict the short-term moyements of the stock market. I haven't the
faintest idea as to whether stoclcs will be higher or lower in a month or a year from now.


Wat is likely, however, is that the market will move higher, perhaps
substantially so, well before either sentiment or the economy turns up. So if you,
wait for the robins, spring will be over. "


We urge all of you to take advantage of this special promotion to bring in more sales
and achieve your qualification to the 20m National Sales Convention Trip.
Happy selling to all of you and to our Muslim and Hindu consultants, wishing you all
"Selamat Hari Raya" and Happy Deepavali!

what is DCA?

QUESTION: Ahmad wants to know where the best place is to invest for a first-time investor. He asks Irwan what dollar cost averaging is.?







ANSWER: If you put in RM100 every month or RM 1,000 every month into your mutual fund, sometimes you’re going to be buying more shares because the mutual fund is cheaper. Other times, you’re going to be buying fewer shares because it’s more expensive. You like it going down because you are buying more shares, and you like it going up because the shares are worth more. That’s called dollar cost averaging.

Oppurtunity in crisis?

Here's The articles from Capital Dynamics Asset Management on " OPPORTUNITIES IN CRISIS " for your kind attention.

5 types of investor sentiment cycles

* Expansion : Bull Market go up with higher stock market volume and higher price. Investors and speculator start buying more, even in high price.


* Settlement : Period of Profit taking activities depending on market sentiment. Speculator start to sell for profit.


* Contraction : Speculator sell whatever is valuable. Stocks with most liquidity get dumped first. And they don't care about fundamentals - all they care about is meeting the margin calls or redemptions, so they can survive to do the same tomorrow. This situation will eventually end when market volume decrease. The Bear negative sign begin.


* Crisis : When stocks go down hard (recently)- like 2,000 points in seven trading days - it's enough to make even the most hardened investors scream. The gut reaction is survival and preservation of wealth. In short, it's not just selling... it's forced selling. Everything rational becomes irrational. It's pure panic - and the main solution is to "Sell it all - and SELL IT NOW! Even it is a good company. After that, the beginning of mixed feeling in stock market begin to show sign of rebounce.


* Recovery : The bottom line is that this panic will pass. The market start to recover when investors and speculators go for bargain price to start the cycle again. Confident increases and stock market volume start to increase too. The Bull positive sign begin.

PUBLIC MUTUAL OVERSEAS EXPOSURES

recently my friend wrote a latter to Public Mutual and thanks god he got reply.!

Question to Public Mutual:
In view of the recent financial storm which hits the world markets, my investors are very very concerned with their investments in Public Mutual
These are among the common question which have been lingering on their mind:

1) is public bank group or public mutual have any exposure to us/European financial/investment markets thru partnership/strategic alliance or shareholding. ?

2) what are the strategies fund managers undertake/implement to combat the crisis. ?
there's an urgent need to explain to investors that their money is safe in the hands of fund management ,then they will remain cautious and wary of investing their money in Public Mutual I would propose that Public Mutual gives a press release to restore the confidence of our investors. Please treat the above with urgency and a concrete reply is much appreciated

and the reply:
Public Mutual’s unit trust funds do not have any direct or indirect investment in the U.S. sub-prime related mortgages and credit default swaps. However, Public Mutual has several global equity funds (i.e. Public Global Select Fund, Public Global Balanced Fund and PB Euro Pacific Equity Fund) which invest in collective investment schemes or unit trust funds managed by foreign fund managers. These funds invest in selected stocks listed in U.S. and European markets.

The performance of our equity funds has been adversely affected by the decline in global and regional equity markets on concerns over slower U.S. economic growth, tight credit conditions and the U.S. sub-prime crisis. More recently, regional markets have hit multiyear lows due to the adverse impact of the U.S. sub-prime crisis on global financial institutions On 3 rd October 2008, the U.S. Congress approved the revised US$700 billion rescue plan to buy troubled mortgage-related assets from distressed financial institutions.

However there are concerns that it will take time to restore liquidity in the U.S. credit market with economic activities slowing further in 1H2009 before recovering towards the end of 2009 To ease the economic effects of the deepening global financial crisis, the U.S. Federal Reserve, the European Central Bank, Bank of England, Bank of Canada, Swiss National Bank and Sweden’s Riksbank jointly reduced interest rates by 50 basis points on 8 October 2008. Monetary easing policies combined with more measures to recapitalize troubled financial institutions are expected to take time to restore confidence in credit markets and mitigate the downside risks to global economic activities


In the near term, regional and domestic equity markets are expected to remain volatile as investors will continue to monitor developments in the global financial system and the outlook for global economic growth.Following the retracement in regional and domestic markets in recent months, market valuations are now below or near their historical averages. Looking ahead into 2009,the downside risks for selected regional and domestic markets are mitigated by below trend valuations, easing inflationary pressures, sustained economic growth and low real interest rates.

Given the above factors, investors are advised to continue to take a medium to long term investment view of at least three years when investing in equity unit trusts. It is especially during periods of market volatility that investors should remain focused on their long-term investment goals and keep their emotions from influencing their investment decisions. On the fund management side, the fund managers are constantly monitoring the portfolios and rebalancing the funds in line with the respective funds’ investment objective

What is Good Risk and Bad Risk?

What is Good Risk and Bad Risk?
For example, a house you own is Good Risk as long as there are tenants to pay the mortgages.
If tenants stop paying their rent, the good risk turn into Bad Risk.
It is good risk to earn more from investment . . .
than no risk to face inflation.




What is calculated Risk ?
Calculated risk is like riding a roller-coaster and knowing in the end of the day,
you will reach the destination safe by follow rules.
Investment is the same. You need to go through the bear and the bull market and knowing you will
gain in mid to long terms rules.
The Rule of Dollar Cost Averaging

F/D Vs Public Mutual Investment Fund

What Is Fix Guarantee for Bank F/D ?
ONLY 3.75% is Yours , the REST belong to BANK.WHY ? .
Because You Agree with the Fix Guarantee of 3.75% only.
Even If the Profit is 10% or 15% , you get only 3.75% and the Balance belong to Bank.


What about Public Mutual Investment Fund?
In Investment Fund, what you invest in return is ALL YOURS.
No matter what your style of investing, dividend, income is the ultimate goal for every investor.