See below how quickly you can get 100k into Public Mutual Funds!
Summary of Public Mutual Funds’ return compare to EPF (Actual data)
Fund | Term (years) | Capital | Return | total % | Difference (RM) | Halal? |
EPF | 10 | 100,000 | 171,000 | 71% | Maybe | |
Public Ittikal | 10 | 100,000 | 293,000 | 193% | 122,000 | Yes |
RM122k extra without additional work!
Fund | Term (years) | Capital | Return | total % | Difference (RM) | Halal? |
EPF | 8 | 100,000 | 157,000 | 57% | Maybe | |
PIEF | 8 | 100,000 | 240,000 | 140% | 83,000 | Yes |
RM83k extra without additional work!
Fund | Term (years) | Capital | Return | total % | Difference (RM) | Halal? |
EPF | 6 | 100,000 | 137,000 | 37% | Maybe | |
PIDF | 6 | 100,000 | 183,000 | 83% | 46,000 | Yes |
RM46k extra without additional work!
Fund | Term (years) | Capital | Return | total % | Difference (RM) | Halal? |
EPF | 6 | 100,000 | 142,000 | 42% | Maybe | |
PIOF | 6 | 100,000 | 203,000 | 103% | 61,000 | Yes |
RM61k extra without additional work!
Figure 1: Actual Data. RM100k in Public Ittikal Vs. EPF from Apr 1997 to Apr 2011 (14 years)
Figure 2: Actual Data. RM100k in Public Ittikal Vs. EPF from Apr 2001 to Apr 2011 (10 years)
Figure 3: Actual Data. RM50k in Public Ittikal Vs. EPF from Apr 2001 to Apr 2011 (10 years)
Longer term (Public growth since 1984 = 27 years in the market)
Figure 4: Actual Data. RM100k in Public Growth Vs. EPF from 1984 to 2011 (27 years)
How to start with 50k or 100k from your EPF saving;
If you have 100k in Account 1 and you are 37 years old, 7 times withdrawal (over 20 months) will get you to RM50k start in Public Mutual. EPF allows one withdrawal every 3 months.
Month | Account 1 | Base Saving | Withdrawal | Total |
1 | 100000 | 34000 | 13200 | 13200 |
4 | 86800 | 34000 | 10560 | 23760 |
7 | 76240 | 34000 | 8448 | 32208 |
11 | 67792 | 34000 | 6758 | 38966 |
14 | 61034 | 37000 | 4807 | 43773 |
17 | 56227 | 37000 | 3845 | 47618 |
20 | 52382 | 37000 | 3076 | 50695 |
200k in Account 1 and you are 40 years old, 5 times withdrawal (over 14 months) will get you to RM100k start in Public Mutual.
Month | Account 1 | Base Saving | Withdrawal | Total |
1 | 200000 | 44000 | 31200 | 31200 |
4 | 168800 | 44000 | 24960 | 56160 |
7 | 143840 | 44000 | 19968 | 76128 |
11 | 123872 | 44000 | 15974 | 92102 |
14 | 107898 | 48000 | 11980 | 104082 |
250k in Account 1 and you are 40 years old, 3 times withdrawal (over 7 months) will get you to >RM100k start in Public Mutual.
Month | Account 1 | Base Saving | Withdrawal | Total |
1 | 250000 | 44000 | 41200 | 41200 |
4 | 208800 | 44000 | 32960 | 74160 |
7 | 175840 | 44000 | 26368 | 100528 |
Note: Assuming no additional new contributions to EPF. With additional monthly contribution to EPF, the period will be shorter.
Figure 5: Actual Data. RM100k in Public Islamic Dividend Fund (PIDF) Vs. EPF from 2006 to 2012 (6 years)
Figure 6: Actual Data. RM100k in Public Islamic Equity Fund (PIEF) Vs. EPF from 2003 to 2012 (8 years)
Figure 7: Actual Data. RM100k in Public Islamic Opportunity Fund (PIOF) Vs. EPF from 2005 to 2012 (6 years)
Never late to start, these data prove Public Mutual’s funds performance over the years and will continue to deliver equivalent performances over the years to come. Please contact me for discussion or clarification session.
Sincerely,
Akmal
012-4000-104
Registered Unit Trust Consultant
Public Mutual Manages RM43.5 Billion Fund with over 43% market share of private Unit Trust industry.
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