Public Mutual biggest winner at the 2019 Lipper Fund Awards from Refinitiv

Pada 25 March yang lepas telah berlangsungnya satu majlis penganugerahan yang mengiktiraf dana-dana unit trust yang paling terbaik. Sebanyak 79 anugerah disampaikan, merangkumi lima anugerah kumpulan, 20 anugerah untuk dana konvensional, 36 anugerah untuk dana simpanan dan 18 anugerah untuk dana Islam. Public Mutual Berhad telah muncul sebagai penerima anugerah terbanyak pada majlis itu.

Anugerah itu mengiktiraf prestasi terbaik sesuatu dana sepanjang 2018.

Public Mutual Berhad mengulangi kemenangan di Lipper Fund Awards from Refinitiv 2019 dengan memenangi 28 anugerah dana dan satu kumpulan anugerah. Ia memecahkan rekod untuk jumlah paling banyak dana Lipper yang dimenangi oleh satu syarikat dalam satu tahun.

Berikut adalah senarai penuh pemenang:

GROUP AWARD WINNERS

AWARD	COMPANY
Best Bond Group (Provident)	RHB Asset Management Sdn Bhd
Best Equity Group	Maybank Asset Management Group Bhd
Best Equity Group (Provident)	Eastspring Investments Bhd
Best Equity Group (Islamic)	Public Mutual Bhd
Best Mixed Asset Group (Provident)	Affin Hwang Asset Management Bhd

 INDIVIDUAL AWARD WINNERS 

DURATION: 3 YEARS

AWARD	FUND
Bond MYR	Public Enterprises Bond
Bond MYR (Provident)	Libra BondEXTRA
Bond MYR (Islamic)	PB Aiman Sukuk
Equity Asia-Pacific	Public Far-East Alpha-30
Equity Asia-Pacific (Provident)	PB Islamic Asia Strategic Sector
Equity Asia Pacific ex Japan	PB China ASEAN Equity
Equity Asia Pacific ex Japan (Provident)	Affin Hwang Select APAC ex-Japan Dividend MYR
Equity Asia Pacific ex Japan (Islamic)	Maybank Asiapac Ex-Japan Equity-I
Equity Global (Provident)	Public Global Select
Equity Malaysia	Areca equityTrust
Equity Malaysia (Provident)	AmMalaysia Equity
Equity Malaysia (Islamic)	PMB Shariah Premier
Equity Malaysia Diversified (Provident)	Affin Hwang Select Opportunity
Equity Malaysia Income	PB Dividend Builder Equity
Equity Malaysia Income (Provident)	Hong Leong Dividend
Equity Malaysia Income (Islamic)	Public Islamic Dividend
Equity Malaysia Small and Mid-Cap	Public Select Treasures Equity
Equity Malaysia Small and Mid-Cap (Provident)	Eastspring Investments Small-cap
Equity Malaysia Small and Mid-Cap (Islamic)	Public Islamic Select Treasures
Mixed Asset MYR Balanced - Global (Provident)	Affin Hwang Select Balanced
Mixed Asset MYR Balanced - Malaysia	TA Income
Mixed Asset MYR Balanced - Malaysia (Provident)	AmBalanced
Mixed Asset MYR Balanced - Malaysia (Islamic)	Public Islamic Growth Balanced
Mixed Asset MYR Conservative	PB Mixed Asset Conservative
Mixed Asset MYR Conservative (Provident)	Eastspring Investments Asia Select Income
Mixed Asset MYR Conservative (Islamic)	Public Ehsan Mixed Asset Conservative
Mixed Asset MYR Flexible	Manulife Investment-CM Flexi
Mixed Asset MYR Flexible (Provident)	Manulife Investment-HW Flexi
Mixed Asset MYR Flexible (Islamic)	Public Islamic Asia Tactical Allocation

DURATION: 5 YEARS

AWARD	FUND
Bond MYR	Public Enterprises Bond
Bond MYR (Provident)	Libra BondEXTRA
Bond MYR (Islamic)	RHB Islamic Bond
Equity Asia Pacific	PB China Pacific Equity
Equity Asia Pacific (Provident)	PB Islamic Asia Strategic Sector
Equity Asia Pacific ex Japan	PB China ASEAN Equity
Equity Asia Pacific ex Japan (Provident)	Manulife Investment Asia-Pacific Ex Japan
Equity Asia Pacific ex Japan (Islamic)	Public Islamic Asia Leaders Equity
Equity Global (Provident)	CIMB-Principal Global Titans
Equity Malaysia	Areca equityTrust
Equity Malaysia (Provident)	Hong Leong Penny Stock
Equity Malaysia (Islamic)	PMB Shariah Premier
Equity Malaysia Diversified (Provident)	Affin Hwang Select Opportunity
Equity Malaysia Income	Public Dividend Select
Equity Malaysia Income (Provident)	Hong Leong Dividend
Equity Malaysia Income (Islamic)	Public Islamic Savings
Equity Malaysia Small and Mid-Cap (Provident)	Eastspring Investments Small-cap
Mixed Asset MYR Balanced - Global (Provident)	TA Asia Pacific Islamic Balanced
Mixed Asset MYR Balanced - Malaysia	TA Income
Mixed Asset MYR Balanced - Malaysia (Provident)	Hong Leong Balanced
Mixed Asset MYR Balanced - Malaysia (Islamic)	Dana Makmur Pheim
Mixed Asset MYR Conservative (Provident)	Eastspring Investments Asia Select Income
Mixed Asset MYR Flexible	Public Tactical Allocation
Mixed Asset MYR Flexible (Provident)	Eastspring Investments Dynamic
Mixed Asset MYR Flexible (Islamic)	Public Islamic Asia Tactical Allocation

DURATION: 10 YEARS

AWARD	FUND
Bond MYR	Public Bond
Bond MYR (Provident)	RHB Islamic Bond
Bond MYR (Islamic)	RHB Islamic Bond
Equity Asia Pacific (Provident)	Public Asia Ittikal
Equity Asia Pacific ex Japan	PB China ASEAN Equity
Equity Asia Pacific ex Japan (Provident)	CIMB-Principal Equity Income
Equity Global (Provident)	Public Global Select
Equity Malaysia	Areca equityTrust
Equity Malaysia (Provident)	Eastspring Investments Dana al-Ilham
Equity Malaysia (Islamic)	Eastspring Investments Dana al-Ilham
Equity Malaysia Diversified (Provident)	Affin Hwang Select Opportunity
Equity Malaysia Income	Public Dividend Select
Equity Malaysia Income (Provident)	Eastspring Investments Equity Income
Equity Malaysia Small and Mid-Cap (Provident)	Eastspring Investments Small-cap
Mixed Asset MYR Balanced - Global (Provident)	Affin Hwang Select Balanced
Mixed Asset MYR Balanced - Malaysia (Provident)	Dana Makmur Pheim
Mixed Asset MYR Balanced - Malaysia (Islamic)	Dana Makmur Pheim
Mixed Asset MYR Conservative (Provident)	Eastspring Investments Dana al-Islah
Mixed Asset MYR Flexible (Provident)	Eastspring Investments Dana Dinamik
Mixed Asset MYR Flexible (Islamic)	Eastspring Investments Dana Dinamik

5 good reasons why you should invest in unit trusts:

1. You don’t need to be an expert

Unlike some other types of investments, you don’t need to be an expert or possess years of financial knowledge to reap profits. Unit trusts are collective investment schemes which pool investment money from multiple people.

These collective investment portfolios are then managed by experienced and skilled fund managers. By having experts do the hard work, unit trusts are an ideal solution for novices and busy people.

There is no need to worry about the best times to buy or sell your investments. The risks are kept to a minimum thus you can start building your wealth straight away!

2. You don’t need a big income

Most unit trust providers give you the option to either invest in lump sums or smaller, regular amounts each month through a debit order. The latter option makes it possible for those on a limited income to slowly accumulate large amounts of investments.

Furthermore, by pooling your money together with other people, you can now afford to buy assets that are ordinarily only available to wealthy investors. The cost of some shares is far too expensive for regular individuals so the collective nature of unit trusts provides a solution towards this problem.

3. Invest in a diverse portfolio

The fund managers who take care of your unit trust funds usually diversify the investment towards a variety of assets. This normally includes stocks or equity funds, bond funds, corporate bonds, money market funds, REIT funds, property funds and many more.

By spreading the money across a diverse portfolio, your overall investment risks are reduced. If one investment doesn’t work out, you won’t lose your entire savings. However, this also translates to the opposite scenario.

If one investment does incredibly well, your entire holding won’t rise in value to that extent. But this brings us back to our earlier point – unit trusts are meant for novices and busy people. Once you have the experience and expertise, you can try your hands at riskier (and possibly more lucrative) investments.

4. Safe and secure investment

Although a fund manager makes decisions on your behalf, he or she can’t access your cash. The interests of you, the unitholder, are protected by the appointment of an independent trustee to hold the fund’s assets on behalf of the unitholders.

The laws (and the guidelines by the Securities Commission Malaysia) surrounding unit trusts make it hard for others to steal your money and this helps reduce the investment risks for investors.

5. Ease of liquidity

Unlike some other investments that lock your money away for fixed periods, unit trusts have a higher level of liquidity. You can readily convert your units into cash at the following day’s unit buying price.

Furthermore, you do not have to pay penalties when you choose to do this. This is especially an advantage in cases of emergencies or when you need your money on short notice.

Compare this, if you will, to some other investments (like fixed deposits) that tie up your money for years. They will require you to pay a big amount of money if you opt to access your investment any sooner.

My New Working Space

Assalamualaikum...

On the 1st May 2018, which is this year, I was officially promoted as a Group Agency Manager(GAM) in Public Mutual. It's been a huge yet remarkable moment for me since the day I was involved in Unit Trust industry. 

As a newly promoted GAM, I was given a room in the Agency office in Public Mutual. Yes, every GAM will be given a room as their own private working space. Or else, they also can establish or looking for their own office or agency in other places. As good as they wish.

As for myself, I've been using the Public Mutual agency office for decades to do my works and training. I already get used to it and it's hard for me to move to other places. Public Mutual office is my official office though.

My GAM room is on the third level which is one level higher than my current office level. And yeah..I still don't move into that room yet. Cause I feel lazy to do so, plus it took me an extra energy to climb up the stairs.haha... Just imagine I walk into the office every day and I have to climb up the stairs until level three. Even reaching the level two has taken my breath away. Semput!

So when people keep asking me when will I move into my GAM room, I truly have no idea. I need time to 'climb up the stairs'. Hahaa... In fact, the room is still in a bad condition, with the leaked ceiling, cracked wall, and air-cond not working, and I was like... How can I work in a room like that?

Ok, enough with my babbling talk about my new working room. Let's see how it goes next. In Shaa Allah I will update my latest room condition in the future.

Raja Noor Hasmiza

Self adaptation with my new office.

Job Opportunity with Public Mutual!

Assalamualaikum and Hello guys! 

Public Mutual Kota Bharu will be conducting a career seminar on the 22nd of October until 26th October 2018 which is on Monday until Friday. This Career Fair is basically a must-do program in Kota Bharu branch as this program is held 2-3 times a year. The program will be run in five days and conducted by six amazing and successful Unit Trust Consultant in Public Mutual. 

For those who are looking for a job and intend to look for extra income are encouraged to come to this Career Fair.

First CDA Monthly Meeting - August 2018

Assalamualaikum...

On 23rd September 2018, CDA has organized a monthly meeting in Public Mutual office. It was our very first agency meeting as an established agency since CDA has launched last month. It was majorly participated by CDA Unit Trust Consultants (UTC) who were basically full time UTCs. And as for myself, it such an honour to conduct the meeting since it was my first time conducting as a Group Agency Manager (GAM). To be honest, I was quite nervous with this meeting eventhough I've been conducting many classes and meetings before. The feeling and responsibility that you carry as a Top Level in your agency would be different. 

However, Alhamdulillah the meeting was went quite well with the helps of my two PAs, Niah and Anis. Of course there's nothing perfect in the world. So does the first CDA meeting. There must be something went wrong here and there. And that makes me a bit uncomfortable with the situation. But I still grateful that I've been surrounded by a group of supportive people as well as my downlines. They were very understanding and helped me a lot. I'm looking forward for more meetings like this and In Shaa Allah, I will improve every single aspect from the previous meeting to a better agency meeting or events. 

Basically, the meeting was held to give some recognition and appreciation for those UTCs who were working hard in Unit Trust industry as well as achieved their target in Sales. Moreover, it is coincidentally a huge remark for CDA for having those awesome yet great members in our agency. And I'm thankful for that. Yes, CDA is going to be a great agency in the future. In Shaa Allah..

I think I'm done with the intros of how CDA first monthly meeting was held. Now let me just show you few photos of CDA monthly meeting for August ya. It's probably nothing but it's a memory for CDA though. 

P/S: I forgot to snap our delicious meals of that day. 

Some of my rewards for my CDA achievers.

Hard works paid off.

Sambil meeting sambil makan-makan is so much fun!

Top Overall Personal Sales 

Top Group Sales Agency Supervisor 

Siti Nurbaya

Top Personal Sales UTC

Norzileana

Baya again ☺ For Top Recruiter of the month!

And CDA Record Breaker goes to Zakiah Arifin.

My Life as a Unit Trust Consultant

Assalamualaikum...

My early life

Before I join Public Mutual, I worked as Admin Executive in one of local factory at Padang Tembak, Kota Bharu, Kelantan. At that time, I was thinking that I need to find ways to earn more income. I did everything I could to earn extra income until I met with my upline's husband, Mr. Toh Chee Hoe in 2004. He introduced me to his wife, GAM Margaret Law.

That was the perfect timing when I met Mr, Toh because I really look for part-time job to earn extra income. My upline, GAM Margaret share about Unit Trust business. I was amazed by the way she talk about investment by giving a few examples. She even make comparison of the return of investment between Public Mutual and other authorised investment. So I was thinking that this business is very good because if I was an investor, I want my investment gives me more profit for sure.

My first impression, sales is not my line. This is because I had zero background in sales. But after hearing the explanation about investment and this career, I decided to join her as a Unit Trust Consultant. I join Public Mutual in 2004 as a part-timer. In 2007, I decided to quit my job but my employer didn't accept my resignation. But in 2008, I decided to resign to join as a full-timer Unit Trust Consultant. 

My biggest challenge

At first I found difficulties to look for client or prospect. I was not really confident to talk with client especially strangers. But somehow I give myself a chance to try in this business. I need to work very hard than others because of my zero background and knowledge about investment.  I attended a lot of training especially organised by my agency and at least once a week without fail and also doing my research about investment until I become more confident. I also learn to do sales during road show. I still remember my first client willing to invest RM5,000 cash during my first road show after I shared about investment and free insurance coverage.

Motivation

I am very attracted on incentive scheme offered by Public Mutual. There was one day when I did my presentation for less than an hour and I manage to get income more than hundred ringgit. This really motivate me because if I do more, than I will get more. So every time I close sales, I will job it down in my notebook as my motivation.

My Agency

At first I was not so focused on my group. But after my agency expanding, I realized that I need to extra focus to my downlines. I always treat my downlines as my business associates. I never left my group and always be there for help. I did lot of activities and programs so that my downlines did not lose track in this business.