Should we withdraw EPF to invest in unit trust funds?

Referring to the previous article regarding EPF announcing 5.8% dividend, we continue to discuss about should we maximize the return of our EPF before we are age 55. Normally, we are not allowed to withdraw our EPF before 55, and EPF will give dividend to fight the inflation, in order to ensure we have more retirement fund in future.

However, the fact shows that our EPF is no longer sufficient for our retirement life and most of us still need to work after age 55. There is example that 70% of our EPF fund will be finished by us in 3 year after we retire. Thus, we should not solely depend on EPF dividend, but have to work out something to maximize our EPF fund.

Let me briefly explain about our EPF account structure and conditions of withdrawing EPF for investment. We have 2 accounts in our EPF, which account 1 contributes 70% and account 2 contributes 30%. It means that our EPF payable (together with employer) will be divided into two portions, 70% credited into account 1 and 30% credited into account 2. Normally, we can withdraw from account 2 for the purposes such as, house downpayment, housing loan payment, tertiary education fee and so forth. Account 1 is mainly for our retirement fund, which we only can withdraw after age 55. Anyhow, we are allowed to withdraw from this account 1 for unit trust investment with some conditions.

What are the conditions? The first condition is, you need to have a certain amount of money in your EPF account 1 to be able to withdraw for investment. This is varied based on your age. Normally, the amount you can withdraw each time will be less than 15% of your total amount of account 1. This condition avoids us from withdrawing too much for investment, as there is always risk in investment. Besides, we are only allowed to withdraw once every quarter for unit trust investment. For example, you withdraw an amount for investment today, your next withdrawal must be 3 months after today.


What is the benefit to withdraw EPF for unit trust fund investment?

1. Limitation on the investment amount
EPF limits the withdrawal amount according to our age and account 1 balance. This is to avoid investors from a big lump sum investment at the wrong market timing. A big lump sum investment can easily trap investors when the market is turning down.

2. Limitation on the withdrawal
EPF only allows us to withdraw once every quarter and make sure we are not investing too frequent. Invest once every 3 months in the long term can average our buying price. This is the Dollar Cost Averaging concept, where we can lower down our buying price during the market downturn. This method cannot maximize our return, but to average our buying price, where we can breakeven faster once market recovers from bad time.

3. Long investment horizon
Account 1 can be only withdrawn at age 55. For investors who are in the range of age 20-40, we have a very long time horizon to invest using our EPF. Investing periodically in long term definitely can lower the risk exposure of our investment, as market is going upward trend in long term. Time is a very important factor in investment, as investment can grow bigger and faster during long term. By having sufficient time, we can always wait for the good time to leave the market and get back cash.

4. Better feelings
Unit trust funds price is moving according to the volatility of the stock market. The volatility is always causing investors to be in greedy or scary mode. In my experience, EPF investors are steadier than cash investors when market is turning down. The main factor should be EPF investors will not feel the pain as the money is not coming out from their pocket, but from their EPF account, which they are aware that they cannot touch this money before age 55. Normally, they will continue the EPF investment every quarter regardless of the market movement. During low market, they always buy in more units with same withdrawal amount. Once the market is recovering, they start to earn positive return. In contrast, cash investors normally are very alert about the market movement. They will stop topping up when the market is turning down to wait for the best timing to top up. In fact, they always miss out the best timing, as best time will only be realized when it was past. Cash investors normally wait till the market recover to a certain level, only they will continue to invest. They always miss out to buy more units during low price. When market is recovering, they are hoping their investment to breakeven and they always invest again when their investment breakeven. Again, they buy the units at higher price. At the same time, the EPF investors are already earning positive return when cash investors waiting for breakeven.

5. Lower service charge
This is not a very significant benefit, but it is still lower than cash investment. EPF investment service charge is 3% and cash investment service charge normally is 5.5%.

After all these pros above, are there any cons that we should take into consideration? Yes, this is for sure. Unit trust fund investment is an investment scheme with risks. Although long term periodically investing can lower down the risk exposure, it still cannot eliminate the risk of investment. When looking at the return, there is difference between EPF investment and cash investment. For cash investment, we are earning if there is positive return, but this is not the case for EPF investment. EPF will give dividend every year to our EPF fund, thus our EPF investment return must be able to beat this dividend rate. If our return from the investment is less than the EPF dividend, we are considered losing. This is the opportunity cost.

At last, we are reminded that this EPF investment will be credited back into your account 1 after you repurchase your funds. Investors are not able to get this in cash, as this is our retirement fund in future.

Happy Investing!!!

EPF announces distribution of 5.80% for YE2010

In year 2010, the local stock market has a bull run and the KLCI is approaching to break the historical peak level at the end of year 2010. The KLCI closed at 1518.91 points on the last day of year 2010. In Jan 2011, the KLCI has broken the historical peak level. As a result, EPF announces that they have earned from the bullish market in year 2011, and the distribution of year 2010 is 0.15% higher than the previous year, from 5.65% increase to 5.80%.

Is this distribution rate satisfied the people? Comparing to the low Fixed Deposit interest rate of 3% now, this 5.80% distribution is considered good. Moreover, the BLR now is not as high as past. However, it is a fact that our EPF is no longer enough for our retirement in future, whereby most of the people spend 70% of their EPF within 3 years after they retire. So, there is a need for us to maximize our EPF in order to have more retirement fund in future.

Time is an important factor in investment. A long term investment with the compound effect will bring a significant return to us. Most of us still have 20-30 years to be retired, so we should utilize this period of time to maximize our EPF fund. It a wise choice to consider investing our EPF into unit trust funds to maximize our EPF fund, so that we will have more fund for your retirement life.

The table below shows the return in year 2010 of all the EPF approved unit trust funds from Public Mutual:

I will share my opinion on why we should withdraw EPF to invest in unit trust funds soon…

Amanah Saham 1 Malaysia (AS 1Malaysia) is Launched!

Our Prime Minister, Dato Seri Najib announces that there will be another funds being launched and managed by PNB (Permodalan Nasional Berhad) during his 100th day as Prime Minister. The fund is called Amanah Saham 1 Malaysia (AS 1Malaysia). Today, the fund has been launched. Total of 10 billion unit with RM1.00 each will be sold through all the agents bank on 5 August.

There is a quota of 50% allocated for Bumiputera, 30% for Chinese, 15% for Indians, and 5% for others during the first 30 days. There is no quota after the period. The agents bank that distribute the fund are CIMB Bank, Maybank, and RHB Bank. Besides, the fund is also distributed by Pos Office and all the ASNB offices.

There is still no any official information published in ASNB website yet, but it has been announced that, the fund is fixed at RM1.00, same as ASM or ASW2020. Thus, it is expected that the return of this fund should be similar with the ASM and ASW2020. More information will be added here when there is official information published.

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ASNB has announced the prospectus of AS 1Malaysia. The unit price of AS 1 Malaysia is fixed at RM1.00. According to the Guideline of Unit Trust, this fund is not a capital protected fund. However, as the price is fixed at RM1.00, in fact the fund is capital guaranteed.

The prospectus of AS 1Malaysia can be downloaded here, http://www.asnb.com.my/prospectusall.htm

ASM (Amanah Saham Malaysia) Available Again!

As promised earlier, ASM which are not sold is opened to all the races. There are 1.6 billion unit of ASM will be opened for all the bumi or non-bumi to invest. These units will be available for investment at 21 July 2009. Each individual investor is only eligible for 20,000 units.

Prime Minister, Dato Seri Najib announces earlier that there will be another fund called Amanah Saham 1 Malaysia launched and also managed by PNB, so people expect this new fund is similar to ASM, ASB or ASW2020.

However, we still do not have detailed information of the new AS1M, it is no hurt if people invest in ASM first while waiting for the more detailed information of AS1M.

More information on ASM, refer to earlier article:

ASM and ASW2020

Malaysia Equity Funds Performance (31 May 2009)

(Bracket indicates negative value)

1 Year:

1. HLG Vietnam – 25.06%
2. Saham Amanah Sabah – 17.09%
3. AmanahRaya Islamic Equity – 1.81%
4. MAA Capital Guaranteed 2 – (1.90%)
5. MAA Capital Guaranteed 1 – (2.72%)
6. MAA Capital Guaranteed 3 – (3.28%)
7. MAA Capital Gtd Asia Pacific – (3.68%)
8. PRUlink Guaranteed Account – (3.69%)
9. Areca Equity Trust – (5.62%)
10. PB China ASEAN Equity – (5.89%)
11. Mayban Life Property Plus CG – (5.95%)
12. HLG European Dividend-Growth – (6.53%)
13. MCIS Zurich Equity – (6.64%)
14. Apex Small Cap – (6.91%)
15. MAA Platinum – (7.28%)
16. AMB Value Trust – (7.39%)
17. AMB Ethical Trust – (7.73%)
18. Uni Strategic – (8.17%)
19. OSK-UOB Malaysia Dividend – (8.28%)
20. Public Far-East Cons Themes – (8.68%)


3 Year: (Annualized Return)

1. AMB Value Trust – 23.36%
2. OSK-UOB Smart Treasure – 22.30%
3. AMB Ethical Trust – 22.22%
4. Saham Amanah Sabah – 20.35%
5. Public SmallCap – 19.98%
6. Allianz Life Dynamic Growth – 19.37%
7. CMS Islamic – 19.01%
8. OSK-UOB Emerg Oppty – 18.54%
9. Allianz Life Equity – 17.90%
10. Uni Strategic – 16.89%
11. OSK-UOB Resources – 16.16%
12. Uni Aggressive – 16.03%
13. MAAKL Growth – 15.90%
14. Manulife Equity – 15.51%
15. Public Islamic Opportunities – 15.35%
16. CIMB Principal Equity – 15.09%
17. PB Growth – 15.01%
18. ING Dana Suria Ekuiti – 14.55%
19. TA High Growth – 14.24%
20. Kenanga Growth – 14.08%


5 Year: (Annualized Return)

1. AMB Value Trust – 16.98%
2. PB Growth – 15.93%
3. Public SmallCap – 15.00%
4. AMB Ethical Trust – 14.97%
5. Manulife Equity – 14.35%
6. Public Aggressive Growth – 13.00%
7. Pacific Dividend – 12.77%
8. OSK-UOB Equity – 12.53%
9. Public Savings – 12.42%
10. MAAKL Al-Faid – 12.36%
11. Saham Amanah Sabah – 12.33%
12. OSK-UOB Emerg Oppty – 11.76%
13. ING Dana Suria Ekuiti – 11.59%
14. OSK-UOB KLCI Tracker – 11.51%
15. Public Equity – 11.47%
16. CIMB Principal Equity – 11.46%
17. Public Growth – 11.44%
18. Kenanga Syariah Growth – 11.43%
19. CIMB Islamic DALI Equity – 11.38%
20. Kenanga Growth – 11.36%


Source: Lipperweb

Click here for previous month performance.

Malaysia Equity Funds Performance (30 April 2009)

(Bracket indicates negative value)

1 Year:

1. Saham Amanah Sabah – 2.65%
2. HLG Vietnam – 1.23%
3. AmanahRaya Islamic Equity – (5.96%)
4. MAA Capital Guaranteed 2 – (6.10%)
5. MAA Capital Guaranteed 1 – (6.61%)
6. MAA Capital Guaranteed 3 – (7.08%)
7. PRUlink Guaranteed Account – (7.79%)
8. MAA Capital Gtd Asia Pacific – (8.38%)
9. HLG European Dividend-Growth – (10.42%)
10. Mayban Life Property Plus CG – (10.78%)
11. MAA Platinum – (11.26%)
12. Areca Equity Trust – (11.66%)
13. AMB Value Trust – (13.38%)
14. AMB Ethical Trust – (13.61%)
15. Uni Strategic – (14.06%)
16. Apex Small Cap – (14.20%)
17. HwangDBS Glo Emerging Markets – (14.51%)
18. MCIS Zurich Equity – (16.72%)
19. HLG Consumer Products Sector – (16.96%)
20. HLG Trading/Services Sector – (17.55%)


3 Year: (Annualized Return)

1. AMB Value Trust – 19.96%
2. OSK-UOB Smart Treasure – 18.38%
3. AMB Ethical Trust – 18.14%
4. Public SmallCap – 15.06%
5. Saham Amanah Sabah – 14.98%
6. Allianz Life Dynamic Growth – 14.96%
7. Allianz Life Equity – 14.44%
8. Uni Strategic – 14.23%
9. Uni Aggressive – 13.95%
10. OSK-UOB Emerg Oppty – 13.87%
11. MAAKL Growth – 12.32%
12. CIMB Principal Equity – 11.50%
13. Manulife Equity – 11.38%
14. MAAKL Al-Faid – 10.43%
15. PB Growth – 10.35%
16. TA High Growth – 10.11%
17. MAAKL Value – 9.94%
18. ING Dana Suria Ekuiti – 9.92%
19. CIMB Islamic DALI Equity Growth – 9.88%
20. AIA Dana Dinamik – 9.85%


5 Year: (Annualized Return)

1. AMB Value Trust – 14.04%
2. PB Growth – 13.00%
3. AMB Ethical Trust – 11.76%
4. Public SmallCap – 11.69%
5. Manulife Equity – 10.87%
6. Pacific Dividend – 10.40%
7. OSK-UOB Equity – 10.36%
8. MAAKL Al-Faid – 10.17%
9. Public Aggressive Growth – 9.76%
10. Public Savings – 9.71%
11. OSK-UOB KLCI Tracker – 9.35%
12. ING OA Inv- ING Blue Chip – 8.89%
13. Public Growth – 8.69%
14. ING OA Inv- ING Ekuiti Islam – 8.68%
15. Public Equity – 8.52%
16. CIMB Principal Equity – 8.49%
17. Public Islamic Equity – 8.45%
18. Saham Amanah Sabah – 8.45%
19. Public Regular Savings – 8.35%
20. Kenanga Syariah Growth – 8.31%



Source: Lipperweb

Click here for previous month performance.

ASM and ASW2020

Following the Sukuk Simpanan Rakyat, the government again announces for the additional units of Amanah Saham Malaysia (ASM) and Amanah Saham Wawasan 2020 (ASW2020). The additional 3.3 billion units of ASM can be subscripted on 21 April 2009 onwards, and the additional 2 billion units of ASW2020 will be available for subscription on 27 April 2009 onwards.

These two funds are different from the other normal unit trust funds, where their NAV is always RM1.00. The minimum initial investment will be 100 units and the maximum investment per pax is 20,000 units. Both funds are equity funds, but the risk is much lower than the other normal unit trust funds, as they are “guaranteed” by the government. ASM has delivered a per unit income distribution of 6.75 sen, 6.8 sen and 7.8 sen while ASW2020 gave a per unit income distribution of 6.8 sen, 8 sen and 7 sen for years 2006, 2007 and 2008 respectively. So, the average returns for these funds are ranged 6% to 8%.

ASM and ASW2020 can be bought at all the ASNB offices, Post Office, Maybank, CIMB Bank and RHB Bank.

For detailed information, can refer to http://www.asnb.com.my/.
For ASM: http://www.asnb.com.my/asm.htm
For ASW2020: http://www.asnb.com.my/asw.htm

Personally, I should say these funds are suitable for those who do not want to bear the high risk as normal unit trust funds. Their return is almost same as the normal moderate risk unit trust funds, and they are much more stable. The difference is very obvious when we compare the return of ASM/ASW2020 with the normal unit trust funds for year 2007 and year 2008. In 2007, most of the normal equity funds give return of 40%-60% in a year, while ASM and ASW2020 give return of 7%-8% in a year. In 2008, there is the economy crisis and most of the share markets drop. Normal equity funds suffer loss of 20%-30% in a year generally, but ASM and ASW2020 still give return of 6%-7%.

So, depends on yourself, see which funds are suitable for you. For those who are thinking to invest in low risk funds like bond funds, this is actually a much better choice. Although ASM and ASW2020 are equity funds, their risk is as low as bond funds (or I can say their risk is lower than bond funds), and their return is definitely higher than bond funds. The only drawback is, you need to queue in the post office or banks to buy the units. However, recently the market is so bad, there is not many people actually queuing for these funds. In old days, 1 billions unit of ASW2020 can be sold out within half an hour countrywide. If you’re interested to have it, just go to the said banks to grab it.

Historical Performance of Malaysia Equity Funds (31 March 2009)

(Bracket indicates negative value)

1 year:

1. Saham Amanah Sabah – (3.57%)
2. MAA Capital Guaranteed 2 – (7.63%)
3. MAA Capital Guaranteed 1 – (8.07%)
4. MAA Capital Guaranteed 3 – (8.12%)
5. PRUlink Guaranteed Account – (8.73%)
6. MAA Capital Gtd Asia Pacific – (9.58%)
7. HLG European Dividend-Growth – (11.30%)
8. MAA Platinum – (12.26%)
9. Mayban Life Property Plus CG – (13.11%)
10. HLG Vietnam – (15.07%)
11. Areca Equity Trust – (17.85%)
12. OSK-UOB Malaysia Dividend – (18.30%)
13. HwangDBS Glo Emerging Markets – (18.34%)
14. AMB Value Trust – (18.89%)
15. AMB Ethical Trust – (19.81%)
16. HLG Consumer Products Sector – (20.14%)
17. HLG Global Healthcare – (20.84%)
18. Uni Strategic – (20.93%)
19. OSKUOB Equity – (21.15%)
20. Apex Small Cap – (21.45%)


3 year: (Annualized Return)

1. AMB Value Trust – 17.91%
2. OSK-UOB Smart Treasure – 16.74%
3. AMB Ethical Trust – 16.33%
4. Uni Aggressive – 13.71%
5. Saham Amanah Sabah – 12.95%
6. OSK-UOB Emerg Oppty – 12.55%
7. CMS Islamic – 12.01%
8. Public SmallCap – 11.96%
9. Allianz Life Dynamic Growth – 11.59%
10. Uni Strategic – 11.51%
11. Allianz Life Equity – 11.38%
12. MAAKL Al-Fauzan – 9.46%
13. MAAKL Growth – 9.21%
14. Manulife Equity – 8.41%
15. CIMB Principal Equity – 8.25%
16. PB Growth – 8.13%
17. OSK-UOB Equity – 8.09%
18. MAAKL Al-Faid – 7.87%
19. Kenanga Syariah Growth – 7.76%
20. OSK-UOB Small Cap Opportunity – 7.71%


5 Year: (Annualized Return)

1. AMB Value Trust – 10.70%
2. PB Growth – 9.46%
3. AMB Ethical Trust – 8.56%
4. Public SmallCap – 8.04%
5. OSK-UOB Equity – 7.28%
6. Pacific Dividend – 6.90%
7. Manulife Equity – 6.82%
8. MAAKL Al-Faid – 6.77%
9. MAA Capital Guaranteed 1 – 6.16%
10. Public Savings – 5.90%
11. Kenanga Syariah Growth – 5.24%
12. Saham Amanah Sabah – 5.18%
13. Public Islamic Equity – 5.07%
14. Alliance Dana Adib – 5.00%
15. HLG Consumer Products Sector – 4.83%
16. OSK-UOB KLCI Tracker – 4.61%
17. Public Ittikal – 4.59%
18. Kenanga Growth – 4.54%
19. Public Aggressive Growth – 4.52%
20. CIMB Islamic DALI Equity – 4.37%


Source: Lipperweb

Click here for previous month performance.

Historical Performance of Malaysia Equity Funds (28 Feb 2009)

(Bracket indicates negative value)

1 year:

1. MAA Capital Guaranteed 2 – (9.60%)
2. MAA Capital Guaranteed 1 – (9.70%)
3. MAA Capital Guaranteed 3 – (10.08%)
4. PRUlink Guaranteed Account – (10.65%)
5. MAA Capital Gtd Asia Pacific – (10.67%)
6. Mayban Life Property Plus CG – (11.49%)
7. HLG European Dividend-Growth – (12.79%)
8. Saham Amanah Sabah – (13.22%)
9. MAA Platinum – (13.84%)
10. AMB Dividend Trust – (21.80%)
11. Areca Equity Trust – (22.64%)
12. AMB Value Trust – (23.40%)
13. AMB Ethical Trust – (24.35%)
14. HLG Consumer Products Sector – (24.62%)
15. MAAKL Al-Fauzan – (26.50%)
16. OSKUOB Equity – (26.58%)
17. MAAKL Dividend – (26.78%)
18. Allianz Life Equity Income – (27.34%)
19. MCIS Zurich Equity – (27.41%)
20. Uni Strategic – (27.51%)


3 year: (Annualized Return)

1. AMB Value Trust – 19.88%
2. AMB Ethical Trust – 18.61%
3. OSK-UOB Smart Treasure – 16.64%
4. Uni Aggressive – 14.44%
5. OSK-UOB Emerg Oppty – 12.85%
6. CMS Islamic – 12.72%
7. Allianz Life Dynamic Growth – 12.22%
8. Public SmallCap – 11.94%
9. Saham Amanah Sabah – 11.94%
10. Allianz Life Equity – 11.44%
11. Uni Strategic – 11.17%
12. OSK-UOB Small Cap Opportunity – 10.06%
13. MAAKL Growth – 9.05%
14. MAAKL Al-Fauzan – 9.02%
15. HLG Industrial and Tech Sector – 8.55%
16. OSK-UOB Equity – 8.47%
17. Manulife Equity – 8.39%
18. CIMB Principal Equity – 8.34%
19. PB Growth – 8.21%
20. TA High Growth – 7.77%


5 Year: (Annualized Return)

1. AMB Value Trust – 12.47%
2. AMB Ethical Trust – 10.07%
3. PB Growth – 9.47%
4. Public SmallCap – 8.04%
5. OSKUOB Equity – 7.41%
6. Manulife Equity – 7.25%
7. Pacific Dividend – 7.23%
8. MAAKL Al-Faid – 6.84%
9. Public Savings – 5.93%
10. MAA Capital Guaranteed 1 – 5.74%
11. OSK-UOB KLCI Tracker – 5.28%
12. Public Islamic Equity – 5.20%
13. Kenanga Syariah Growth – 4.83%
14. HLG Consumer Products Sector – 4.48%
15. Kenanga Growth – 4.33%
16. Public Ittikal – 4.29%
17. Public Aggressive Growth – 4.25%
18. Public Regular Savings – 4.18%
19. Lion Progressive – 4.17%
20. MAAKL Equity Index – 4.14%


Source: Lipperweb

Historical Performance of Malaysia Equity Funds (30 Nov 2008)

(Bracket indicates negative value)

1 Year:

1. MAA Capital Guaranteed 2 – (3.04%)
2. MAA Capital Guaranteed 3 – (3.41%)
3. Mayban Life Property Plus CG – (3.87%)
4. MAA Capital Guaranteed 1 – (3.92%)
5. PRUlink Guaranteed Account – (4.67%)
6. HLG European Dividend-Growth – (5.88%)
7. MAA Capital Gtd Asia Pacific – (6.59%)
8. MAA Platinum – (7.15%)
9. Saham Amanah Sabah – (7.80%)
10. AMB Dividend Trust – (19.67%)
11. HLG Consumer Products Sector – (20.05%)
12. MAA Technology – (20.79%)
13. AMB Value Trust – (21.27%)
14. AMB Ethical Trust – (21.90%)
15. Areca Equity Trust – (23.62%)
16. MAAKL Al-Fauzan – (24.60%)
17. AUTB Progress – (24.64%)
18. HLG Trading/Services Sector – (24.82%)
19. Allianz Life Equity Income – (24.91%)
20. MAAKL Dividend – (25.79%)


3 Year: (Annualized Return)

1. AMB Value Trust – 20.36%
2. OSK-UOB Smart Treasure – 19.99%
3. AMB Ethical Trust – 18.90%
4. Uni Aggressive – 16.68%
5. Saham Amanah Sabah – 16.49%
6. OSK-UOB Emerg Oppty – 16.43%
7. CMS Islamic – 15.98%
8. Public SmallCap – 14.64%
9. OSK-UOB Small Cap Opportunity – 13.79%
10. HLG Industrial and Tech Sector – 12.73%
11. Uni Strategic – 12.73%
12. Manulife Equity – 11.80%
13. Allianz Life Dynamic Growth – 11.76%
14. CIMB Principal Equity – 11.38%
15. MAAKL Growth – 11.37%
16. MAAKL Value – 11.35%
17. TA High Growth – 11.24%
18. PB Growth – 11.02%
19. OSK-UOB Equity – 10.89%
20. MAAKL Al-Fauzan – 10.87%


5 Year: (Annualized Return)

1. AMB Value Trust – 12.99%
2. PB Growth – 12.42%
3. Public SmallCap – 11.03%
4. AMB Ethical Trust – 10.97%
5. Manulife Equity – 10.59%
6. OSKUOB Equity – 9.73%
7. MAAKL Al-Faid – 9.62%
8. Pacific Dividend – 8.58%
9. Saham Amanah Sabah – 8.58%
10. Public Savings – 8.27%
11. OSK-UOB KLCI Tracker – 7.66%
12. Public Islamic Equity – 7.59%
13. Lion Progressive – 7.32%
14. MAA Capital Guaranteed 1 – 7.23%
15. Public Aggressive Growth – 7.15%
16. Public Industry – 7.01%
17. Kenanga Syariah Growth – 6.97%
18. Kenanga Growth – 6.94%
19. Public Ittikal – 6.85%
20. AIA Aggressive – 6.75%



Source: Lipperweb

Click here for the previous month ranking.

Historical Performance of Malaysia Equity Funds (31 Oct 2008)

(Bracket indicates negative value)

1 Year:

1. MAA Capital Guaranteed 2 – (2.43%)
2. MAA Capital Guaranteed 3 – (2.65%)
3. MAA Capital Guaranteed 1 – (2.66%)
4. PRUlink Guaranteed Account – (4.02%)
5. MAA Capital Gtd Asia Pacific – (5.52%)
6. MAA Platinum – (6.08%)
7. Property Plus CG – (7.29%)
8. Saham Amanah Sabah – (11.11%)
9. AMB Dividend Trust – (18.77%)
10. MAA Technology – (21.37%)
11. HLG Consumer Products Sector – (22.28%)
12. AMB Value Trust – (22.92%)
13. AMB Ethical Trust – (23.57%)
14. HLG Trading/Services Sector – (23.63%)
15. Allianz Life Equity Income – (24.26%)
16. Areca Equity Trust – (25.13%)
17. ASM Dana Al-Aiman – (25.85%)
18. MAAKL Dividend – (25.93%)
19. MAAKL Al-Fauzan – (25.95%)
20. AUTB Progress – (26.73%)


3 Year: (Annualized Return)

1. AMB Value Trust – 20.16%
2. OSK-UOB Smart Treasure – 20.11%
3. AMB Ethical Trust – 18.42%
4. Uni Aggressive – 16.79%
5. OSK-UOB Emerg Oppty – 16.30%
6. Saham Amanah Sabah – 15.88%
7. Uni Strategic – 14.38%
8. CMS Islamic – 14.27%
9. OSK-UOB Small Cap Opportunity – 13.99%
10. Public SmallCap – 13.84%
11. Manulife Equity – 12.52%
12. PB Growth – 12.13%
13. TA High Growth – 11.77%
14. HLG Industrial and Tech Sector – 11.75%
15. CIMB Principal Equity – 11.38%
16. OSK-UOB Equity – 11.22%
17. MAAKL Progress – 10.80%
18. MAAKL Growth – 10.78%
19. MAAKL Value – 10.55%
20. Alliance Dana Adib – 10.23%


5 Year: (Annualized Return)

1. PB Growth – 12.83%
2. AMB Value Trust – 12.02%
3. Manulife Equity – 10.35%
4. Public SmallCap – 10.25%
5. AMB Ethical Trust – 9.94%
6. MAAKL Al-Faid – 9.09%
7. OSKUOB Equity – 8.72%
8. Saham Amanah Sabah – 7.98%
9. Public Savings – 7.68%
10. Public Islamic Equity – 7.62%
11. MAA Capital Guaranteed 1 – 7.47%
12. Lion Progressive – 7.09%
13. OSK-UOB KLCI Tracker – 7.03%
14. Public Industry – 6.81%
15. Kenanga Syariah Growth – 6.78%
16. Public Ittikal – 6.51%
17. Kenanga Growth – 6.26%
18. AIA Dana Dinamik – 6.20%
19. AIA Aggressive – 6.16%
20. CIMB-Principal Equity – 6.15%


Source: Lipperweb

Historical Performance of Malaysia Equity Funds (30 Sep 2008)

(Bracket indicates negative value)

1 Year:

1. MAA Capital Guaranteed 1 – 2.92%
2. MAA Capital Guaranteed 2 – 2.31%
3. MAA Capital Guaranteed 3 – 1.66%
4. PRUlink Guaranteed Account – 1.47%
5. Saham Amanah Sabah – 1.45%
6. Property Plus CG – (0.38%)
7. MAA Platinum – (1.02%)
8. AMB Dividend Trust – (6.74%)
9. HLG Consumer Products Sector – (7.01%)
10. AMB Value Trust – (7.48%)
11. AMB Ethical Trust – (8.31%)
12. MAA Technology – (9.08%)
13. Areca Equity Trust – (10.06%)
14. Allianz Life Equity Income – (10.71%)
15. Public SmallCap – (10.76%)
16. AUTB Progress – (11.74%)
17. MAAKL Dividend – (11.82%)
18. HwangDBS Glo Emerging Markets – (11.98%)
19. HLG Trading/Services Sector – (12.10%)
20. Allianz Life Equity – (12.33%)


3 Year: (Annualized Return)

1. OSK-UOB Smart Treasure – 25.27%
2. AMB Value Trust – 23.24%
3. AMB Ethical Trust – 21.31%
4. CMS Islamic – 21.20%
5. HLG Industrial and Tech Sector – 21.19%
6. Uni Aggressive – 20.69%
7. OSK-UOB Emerg Oppty – 20.63%
8. Public SmallCap – 20.62%
9. PB Growth – 18.31%
10. Uni Strategic – 18.04%
11. OSK-UOB Small Cap Opportunity – 18.00%
12. Manulife Equity – 17.90%
13. MAAKL Progress – 17.81%
14. Saham Amanah Sabah – 17.69%
15. Public Islamic Opportunities – 17.11%
16. MAAKL Value – 16.62%
17. TA High Growth – 16.37%
18. CIMB Principal Equity – 16.31%
19. MAAKL Growth – 15.80%
20. Public Aggressive Growth – 15.22%


5 Year: (Annualized Return)

1. PB Growth – 18.35%
2. Public SmallCap – 16.53%
3. AMB Value Trust – 16.32%
4. Manulife Equity – 16.09%
5. AMB Ethical Trust – 14.13%
6. Public Aggressive Growth – 13.79%
7. MAAKL Al-Faid – 13.60%
8. OSK-UOB KLCI Tracker – 13.59%
9. OSKUOB Equity – 13.37%
10. Public Savings – 13.09%
11. Public Industry – 14.79%
12. Lion Progressive – 12.60%
13. Public Regular Savings – 12.47%
14. ING Dana Suria Ekuiti – 12.37%
15. Public Equity – 12.28%
16. Public Islamic Equity – 12.25%
17. Public Growth – 12.03%
18. Public Ittikal – 11.99%
19. MAAKL Progress – 11.87%
20. CMS Islamic – 11.78%

Source: Lipperweb

Historical Performance of Malaysia Equity Funds (31 August 2008)

(Bracket indicates negative value)

1 Year Return Ranking:

1. MAA Capital Guaranteed 1 – 7.16%
2. MAA Capital Guaranteed 2 – 5.89%
3. PRUlink Guaranteed Account – 5.80%
4. MAA Capital Guaranteed 3 – 5.18%
5. OSK-UOB Resources – 4.83%
6. HLG Industrial and Tech Sector – 4.54%
7. AMB Value Trust – 3.67%
8. Property Plus CG – 3.29%
9. MAA Platinum – 3.18%
10. HLG Consumer Products Sector – 2.98%
11. MAA Technology – 2.24%
12. AMB Ethical Trust – 1.64%
13. Areca Equity Trust – 1.47%
14. AMB Dividend Trust – 1.14%
15. Public SmallCap – 0.98%
16. PRUGlobal Basics – 0.90%
17. PB ASEAN Dividend – 0.41%
18. HwangDBS Glo Emerging Markets – 0.35%
19. OSKUOB Emerg Oppty – 0.24%
20. AmGlobal Agribusiness – (0.34)%


3 Year Return Ranking: (Annualized Return)

1. OSK-UOB Smart Treasure – 29.05%
2. HLG Industrial and Tech Sector – 26.23%
3. CMS Islamic – 25.95%
4. AMB Value Trust – 25.85%
5. OSK-UOB Emerg Oppty – 24.88%
6. AMB Ethical Trust – 23.57%
7. Public SmallCap – 23.55%
8. Uni Aggressive – 22.78%
9. Manulife Equity – 22.12%
10. PB Growth – 21.92%
11. OSK-UOB Small Cap Opportunity – 20.60%
12. MAAKL Progress – 20.53%
13. Public Islamic Opportunities – 20.39%
14. CIMB Principal Equity – 20.18%
15. Uni Strategic – 20.40%
16. Public Aggressive Growth – 20.00%
17. MAAKL Value – 19.71%
18. TA High Growth – 19.34%
19. MAAKL Growth – 18.76%
20. CIMB Principal Small Cap – 18.75%


5 Year Return Ranking: (Annualized Return)

1. PB Growth – 19.89%
2. Manulife Equity – 18.22%
3. Public SmallCap – 17.41%
4. AMB Value Trust – 17.01%
5. Public Aggressive Growth – 16.00%
6. MAAKL Al-Faid – 15.51%
7. OSK-UOB KLCI Tracker – 15.26%
8. Public Industry – 14.79%
9. AMB Ethical Trust – 14.79%
10. Public Savings – 14.69%
11. Public Equity – 14.55%
12. ING Dana Suria Ekuiti – 14.32%
13. Public Growth – 14.32%
14. OSKUOB Equity – 14.13%
15. Lion Progressive – 14.04%
16. Public Ittikal – 14.01%
17. Public Regular Savings – 13.96%
18. Public Islamic Equity – 13.84%
19. Public Index – 13.51%
20. HLG Industrial and Tech Sector – 13.47%


Source: LipperWeb

Historical Performance of Malaysia Equity Funds (31 July 2008)

(Bracket indicates negative value)

1 Year Return Ranking:

1. MAA Capital Guaranteed 1 – 9.52%
2. PRUlink Guaranteed Account – 8.05%
3. MAA Capital Guaranteed 2 – 7.49%
4. MAA Capital Guaranteed 3 – 6.92%
5. MAA Platinum – 6.10%
6. HLG Industrial and Tech Sector – 2.78%
7. HLG Consumer Products Sector – 2.27%
8. MAA Technology – 1.85%
9. OSK-UOB Resources – 1.51%
10. AmGlobal Agribusiness – 1.47%
11. PRUGlobal Basics – 1.26%
12. HwangDBS Glo Emerging Markets – 0.90%
13. AMB Value Trust – 0.13%
14. Property Plus CG – (0.06%)
15. AmNew Frontier – (0.16%)
16. MAAKL Dividend – (0.42%)
17. ASM Dana Al-Aiman – (0.45%)
18. AmDividend Income – (0.49%)
19. ASM Dana Bestari – (0.88%)
20. AMB Ethical Trust – (0.91%)

3 Year Return Ranking: (Annualized Return)

1. OSK-UOB Smart Treasure – 31.28%
2. HLG Industrial and Tech Sector – 29.08%
3. AMB Value Trust – 27.08%
4. OSK-UOB Emerg Oppty – 27.02%
5. Uni Aggressive – 25.50%
6. Public SmallCap – 25.29%
7. Manulife Equity – 25.08%
8. AMB Ethical Trust – 25.01%
9. PB Growth – 24.76%
10. Public Aggressive Growth – 23.51%
11. MAAKL Progress – 22.88%
12. CIMB Principal Equity – 22.70%
13. Public Islamic Opportunities – 22.61%
14. OSK-UOB Small Cap Opportunity – 22.34%
15. Uni Strategic – 22.13%
16. CIMB Islamic DALI Equity – 21.29%
17. MAAKL Value – 21.25%
18. TA High Growth – 20.68%
19. ING OA Inv- ING Ekuiti Islam – 20.42%
20. MAAKL Growth – 20.05%

5 Year Return Ranking: (Annualized Return)

1. PB Growth – 22.98%
2. Manulife Equity – 21.33%
3. AMB Value Trust – 20.74%
4. Public SmallCap – 20.11%
5. Public Aggressive Growth – 19.40%
6. CMS Islamic – 18.88%
7. AMB Ethical Trust – 18.58%
8. ING Dana Suria Ekuiti – 18.31%
9. OSK-UOB KLCI Tracker – 18.13%
10. Public Ittikal – 17.91%
11. Public Equity – 17.58%
12. Public Industry – 17.55%
13. MAAKL Al-Faid – 17.55%
14. CMS Premier – 17.34%
15. Public Islamic Equity – 17.22%
16. Public Savings – 16.96%
17. Public Growth – 16.96%
18. ING Equity – 16.79%
19. Public Regular Savings – 16.79%
20. Lion Progressive – 16.62%


Source: Lipper

Historical Performance of Malaysia Equity Funds (30 June 2008)

1 Year Return Ranking:

1. OSK-UOB Resources – 18.56%
2. HLG Industrial and Tech Sector – 14.62%
3. PB Asean Dividend – 12.39%
4. PRUGlobal Basics – 10.64%
5. MAA Capital Guaranteed 2 – 9.63%
6. OSK-UOB Emerg Oppty – 9.63%
7. MAA Capital Guaranteed 3 – 9.35%
8. AMB Value Trust – 9.22%
9. MAA Capital Guaranteed 1 – 9.08%
10. PB Growth – 7.66%
11. AmNew Frontier – 7.54%
12. CIMB Islamic DALI Equity Growth – 7.28%
13. Public SmallCap – 6.97%
14. PRUlink Guaranteed Account – 6.85%
15. CIMB Islamic Small Cap – 6.75%
16. AmGlobal Agribusiness – 6.26%
17. Public Far-East Select – 6.10%
18. CIMB Islamic Equity – 6.01%
19. CIMB-Principal Small Cap – 6.00%
20. CIMB-Principal Equity Growth & Income – 5.88%

3 Year Return Ranking: (Annualized Return)

1. OSK-UOB Smart Treasure – 34.23%
2. CMS Islamic – 31.89%
3. HLG Industrial and Tech Sector – 31.03%
4. AMB Value Trust – 29.10%
5. OSK-UOB Emerg Oppty – 28.68%%
6. PB Growth – 28.41%
7. Public SmallCap – 27.72%
8. AMB Ethical Trust – 27.25%
9. Public Aggressive Growth – 27.02%
10. Uni Aggressive – 26.70%
11. Manulife Equity – 26.47%
12. MAAKL Progress – 26.42%
13. CIMB Islamic DALI Equity – 25.18%
14. CIMB Principal Equity – 24.90%
15. Public Islamic Opportunities – 24.52%
16. OSK-UOB Small Cap Opportunity – 24.52%
17. MAAKL Value – 24.41%
18. ING OA Inv- ING Ekuiti Islam – 23.65%
19. ING Dana Suria Ekuiti – 23.53%
20. CIMB Principal Equity Growth & Income – 23.44%

5 Year Return Ranking: (Annualized Return)

1. PB Growth – 24.77%
2. Manulife Equity – 22.75%
3. AMB Value Trust – 22.11%
4. Public SmallCap – 21.85%
5. Public Aggressive Growth – 21.04%
6. CMS Islamic – 20.80%
7. ING Dana Suria Ekuiti – 20.80%
8. AMB Ethical Trust – 20.06%
9. Public Ittikal – 19.77%
10. Public Industry – 19.56%
11. OSK-UOB KLCI Tracker – 19.40%
12. CMS Premier – 19.33%
13. ING Equity – 19.02%
14. Public Equity – 18.90%
15. MAAKL Progress – 18.73%
16. MAAKL Al-Faid – 18.60%
17. Public Islamic Equity – 18.55%
18. Public Growth – 18.29%
19. Lion Progressive – 18.16%
20. Public Savings – 18.16%

Sources: Lipper

Historical Performance of Malaysia Equity Funds (30 May 2008)

1 Year Return Ranking:

1. OSK-UOB Resources – 28.10%
2. OSK-UOB Emerg Oppty – 26.30%
3. Public SmallCap – 25.32%
4. Public Far-East Select – 22.58%
5. CIMB Islamic SmallCap – 21.28%
6. PB ASEAN Dividend – 20.22%
7. HLG Industrial and Tech Sector – 19.57%
8. PB Growth – 18.33%
9. PRUglobal basics – 17.93%
10. HwangDBS Glo Emerging Markets – 17.84%
11. AmGlobal Agribusiness – 17.84%
12. Public Regional Sector – 16.84%
13. CIMB Principal Small Cap – 16.60%
14. AMB Value Trust – 16.46%
15. OSK-UOB Smart Treasure – 16.16%
16. CIMB Islamic Equity – 16.11%
17. CIMB Principal Equity Growth & Income – 16.10%
18. Public Islamic Opportunities – 15.94%
19. PB Asia Equity – 15.25%
20. CIMB Islamic DALI Equity – 15.23%

3 Year Return Ranking: (Annualized Return Stated)

1. OSK-UOB Smart Treasure – 38.62%
2. CMS Islamic – 34.98%
3. HLG Industrial and Tech Sector – 34.88%
4. OSK-UOB Emerg Oppty – 33.09%
5. PB Growth – 32.65%
6. AMB Value Trust – 32.16%
7. Public Aggressive Growth – 32.07%
8. Public SmallCap – 31.13%
9. Manulife Equity – 30.96%
10. AMB Ethical Trust – 30.46%
11. MAAKL Progress – 30.14%
12. CIMB Islamic DALI Equity – 29.78%
13. CIMB Principal Equity – 29.60%
14. Uni Aggressive 29.34%
15. CIMB Principal Equity Growth & Income – 28.62%
16. CIMB Principal Equity Aggressive 1 – 28.48%
17. MAAKL Value – 28.15%
18. CIMB Islamic Equity – 28.06%
19. OSK-UOB Small Cap Opportunity – 27.88%
20. CIMB Principal Equity Aggressive 2 – 27.78%

Source: Lipper