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My Public Dividend Select Fund Review (with performance chart)

This post is a review of my first unit trust investment, Public Dividend Select Fund from Public Mutual.

And this is not a sponsored or paid post. My sharing of this post is purely from my own experience.

How I started my unit trust investment

It was the end of April 2005. A close friend of my brother called me up and said that she has something to share with me. I knew she was someone I can trust. So, we meet up during the following weekend for the sharing session.

It’s a unit trust initial offer by Public Mutual, Public Dividend Select Fund (PDSF).

She shared that the return from unit trust investment is much better compared to a Fixed Deposit.

At that time, I knew the existence of unit trust and had read somewhere about it, but it’s still a very blurry topic for me.

I asked her some questions, which she did answer but I was still not very clear about unit trust investment. Then, I told her I need to do some research before I decided whether I want to invest or not.

During the weekend, I spent some time doing research on the Public Mutual website and unit trust investment.

For most of the questions, I found the answers through my online research from:

With that research, I was getting a better picture of unit trust investment and how it can benefit me financially.

My first unit trust investment: Public Dividend Select Fund

The following Monday, I called the friend and purchased my first unit trust from her, Public Dividend Select Fund.

Since it was my first unit trust investment, I am only willing to invest a minimum initial investment which was RM1,000.

And because it was PDSF initial offer period, they offered free 1% additional units. With the unit price of RM0.25, I have a total of 4040 units for my RM1000 invested.

The calculations are as below:

Initial investment: RM1,000
Price per Unit: RM0.25
Total Unit (RM1000/RM0.25): 4,000 units
1% free unit during the initial offer period (1% x 4,000 units): 40 units

So, the total unit for my first investment is 4040 units.

Public Dividend Select Fund performance

Throughout the past few years, I did monitor the performance of PDSF from the Public Mutual website.

I share the performance chart of the Public Dividend Select Fund as of 14 November 2019:

Public Dividend Select Fund performance chart.
Public Dividend Select Fund performance chart since inception until 14 November 2019

Based on the performance chart above, as of 14 Nov 2019, the total return since commencement is 175.39%.

And based on Public Mutual Online, the performance as of 31 Oct 2019 is as below:

  • the total return since commencement is 173.86%
  • the annualized since commencement is 7.21%

Since May 2005, with an investment of RM1,000, I have received 20 distributions amounting to RM1,676.71.

Public Dividend Select Fund performance as of 10 June 2020

I guess many are wondering how’s the performance of my Public Dividend Select Fund during the COVID-19 pandemic.

Here is the performance chart for my Public Dividend Select Fund as of 10 June 2020:

Public Dividend Select Fund performance as of 10 June 2020.
Public Dividend Select Fund performance chart since inception until 10 June 2020

The fund performance from 17 May 2005 to 10 June 2020 is 175.47%. Those interested to know more about the performance of PDSF can view it from the Public Mutual website.

My review of the Public Dividend Select Fund

Overall, I am happy with the return on investment from my Public Dividend Select Fund.

And currently, I have no plan to sell off the fund.

Sometimes, I did feel regret for just investing RM1,000 in May 2005. But then, that was my first experience with unit trust investment.

So, I should not feel regret about it.

From Public Dividend Select Fund, I had done more research and readings on unit trust. I’ve also invested in other unit trust funds and even wrote a blog post on the 7 factors you should consider before investing in the unit trust.

Final thoughts

Since Public Dividend Select Fund is my first experience with the unit trust investment, it has been a valuable experience for me.

I am grateful for the performance and the distribution units. And I hope to receive more good news for my Public Dividend Select Fund in future.

With that, I hope my review of the Public Dividend Select Fund above is beneficial to you.

4 thoughts on “My Public Dividend Select Fund Review (with performance chart)”

  1. hi, if you have the extra cash you can top up on your current investment. this is so to lower down your average cost per unit. minimum amount for additional investment is only rm100.

  2. hi jamie, yes! i am investing from time to time 🙂 Coz this is the best method for me to lower my average cost per unit. Thanks for your advice 🙂

  3. As a trader, I find it shocking that most UT agents have zero knowledge on risk mgmt, and they mostly tell you what a salesman say.

    Ask them to tell you what is the trader’s max drawdown, they say they have professionals who handle all these, ie. they are clueless. A professional trader takes 1% risk on capital. 99% of your capital is not exposed to the market.

    UT funds are 100% invested – 100% exposed to the market.

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