The unifying goal driving all of Public Mutual’s professionally managed funds is to help our investors achieve returns over the long term. To build a strong foundation for your investments, consider these four key principles:

1. Long-term Investing
Having the right perspective is crucial for investors to capitalise on the long-term growth potential of their investments. By keeping a long-term horizon, investors allow their investments time to generate compounded returns and amortise the initial cost of investing. Hence, instead of attempting to time the market, it is time in the market that enables one to accumulate returns over the long term.

2. Harnessing Volatility
Markets can be volatile in the short term, but these fluctuations can sometimes present opportunities. When the market sentiment turns negative, companies with strong fundamentals can be mispriced. The volatility provides the investor the opportunity to acquire valuable companies at lower prices.

3. Regular Contributions
To be a successful investor, one requires aptitude as well as a disciplined attitude. This means sticking to your investment plan through regular contributions (which averages out unit costs over time as opposed to a lump sum approach). Public Mutual’s Direct Debit Authorisation (DDA) feature was designed with this in mind: enabling investors to practice Ringgit Cost Averaging through automated contributions with a worry-free approach.

4. Build a Portfolio
An ideal portfolio involves investing in funds of various asset classes and geographical exposure, industries, themes in alignment with risk tolerance. Building a portfolio of funds helps investors move beyond individual fund performance and achieve greater diversification. Consult your unit trust consultant to build a well-diversified portfolio and to rebalance it to maximise performance.

Public Mutual’s Investment Philosophy
Our funds’ investments will continue to focus on companies which are backed by fundamentals, with their portfolios rebalanced accordingly and positioned for the long term. Hence, we encourage our investors to be continually guided by these four principles of investing so that they can reach the full potential of their investments with Public Mutual.