Investing the Public Mutual Way

Public Mutual’s unit trust funds are professionally managed to generate returns over the long term and build a better financial future for investors.

Building a strong foundation for your investments requires patience, discipline and a consistent approach in your investment journey. Here are three key principles that can guide you to reach your financial goals:

1. Invest Long-Term to Weather Volatility and Compound Returns

Adopting a long-term perspective is crucial for investors seeking to ride through short-term volatility and capitalise on the long-term growth potential of their investments.

Volatility is an inherent part of investing – in fact, short-term market fluctuations can present opportunities. When market sentiment turns negative, companies with strong fundamentals can become undervalued, providing opportunities for the funds to acquire quality assets at attractive prices.

Focus on time in the market, not timing the market. Staying invested through market cycles enables investors to weather short-term volatility and benefit from the effect of compounding on returns over the long term.

2. Regular Contributions via DDA

To be a successful long-term investor, patience and discipline are essential. This means sticking to your investment plan through regular contributions – a strategy that averages out unit costs over time, as opposed to a lump sum approach. This method also enables you to buy more units when prices are lower; thereby helping to lower your average purchase price.

Public Mutual’s Direct Debit Authorisation (DDA) feature was designed with this in mind: enabling investors to steadily build their portfolios and practise Ringgit Cost Averaging through automated contributions with a worry-free approach.

3. Diversify and Evaluate the Performance of a Portfolio

A diversified portfolio spreads investments across asset classes, geography, industries and themes in alignment with your risk tolerance and investment goals. Investors should take a portfolio view, rather than focusing on individual fund performance, to capture the benefits of diversification. The aim is to ensure the overall portfolio is positioned to achieve its intended target while taking into consideration the potential for market factors to impact individual funds.

Consult your unit trust consultant to build a well-diversified portfolio and to rebalance it at regular intervals to optimise performance.

Public Mutual’s Investment Philosophy

Our funds focus on investing in companies which are underpinned by fundamentals and positive earnings prospects, with their portfolios rebalanced accordingly and positioned for the long term. We encourage our investors to stay guided by these three investing principles, so that you can reach the full potential of your investments with Public Mutual.