Investing the Public Mutual Way

Public Mutual’s unit trust funds are professionally managed with the aim of generating returns over the long term, helping investors build a better financial future.

Building a strong foundation for your investments requires patience, discipline and a consistent approach in your investment journey. These three key principles can help guide you towards your financial goals:

1. Stay Invested Over the Long Term

A long-term view helps investors look past short-term volatility and benefit from the long-term growth potential of their investments.

Historically, markets have shown a tendency to recover from downturns. While past performance is not a guarantee of future results, major indices have generally trended upward over extended periods.

Focus on time in the market, not timing the market. Investors who stay invested through market fluctuations are better positioned to capture long-term returns and let these returns compound.

2. Invest Regularly via DDA

Discipline means sticking to your plan and investing regularly over time. When you invest a fixed amount at regular intervals, you buy more units when prices are lower and fewer units when prices are higher. This approach, known as Ringgit Cost Averaging (RCA), helps reduce the risk of investing a lump sum at an unfavourable time and averages out your purchase cost over time.

Public Mutual’s Direct Debit Authorisation (DDA) feature was designed with this in mind: enabling investors to steadily build their portfolios and practise RCA through automated contributions without having to keep track of investment dates.

3. Diversify and Evaluate Performance of the Portfolio as a Whole

A diversified portfolio spreads out investments across different asset classes, geographies and sectors in alignment with your risk tolerance and investment goals. Diversification reduces reliance on any single investment and helps smooth out the ups and downs of your portfolio.

To capture the benefits of diversification, assess your portfolio’s performance as a whole rather than focusing on individual funds. Different funds move differently in response to the same market event; when one fund underperforms, another may outperform and potentially reduce portfolio volatility. What matters is whether your overall portfolio remains on track to meet your goals.

Don't put all your eggs in one basket. Speak to your Unit Trust Consultant about building a well-diversified portfolio and rebalancing it periodically, so that it stays aligned with your risk profile and goals.

Public Mutual’s Investment Philosophy

Our investment approach is guided by fundamental research and disciplined investment strategies, focusing on companies with sound fundamentals and positive earnings prospects. Fund portfolios are positioned for the long term and rebalanced as appropriate. We encourage our investors to stay guided by these three investing principles as they work towards their financial goals with Public Mutual.