【基金专题讨论】大众信托基金（目录在1楼）

kreuz85

原帖由 leekk8 于 16-4-2009 12:10 PM 发表
首先你必须了解信托基金的基本运作。你可以参考我上面帖的链接，去看看基本的运作。

过后你就可以根据自己本身的情况来选择基金。任何时候都有适合每个人的基金，不是说现在适合投这个，明年适合投那个。而是你适 ...

目前大眾的基金NAV每天都在上漲中...尤其是PCSF已經破了0.15......請問主要影響這基金的因素是什麽呢?整體的經濟?目前它的上漲是不是多多少少由於美國的救世行動?

leekk8

基金的上涨当然是受到股市上涨影响。而股市上涨的因素，我就不敢断言。经济体系如何直接影响股市，我也不清楚。我个人觉得现在全球政府正在积极刺激经济成长，肯定会有一定的效果。我们投资还是回到原本，如果一直跟随指数，恐怕只有在最高点才敢投资，然后就被套。

pole_star

我还是新手，打算开始做一点投资，不知道各位对public bank这只Public Select Alpha-30 Fund有什么意见～此外，我没有交EPF,请问也能够买基金吗？

leekk8

关于Public Select Alpha-30 Fund，我之前给过意见。投资以本地为主，而且会比较集中。属于高风险的基金。

没有给EPF也可以投资基金，很多在籍学生还没有工作但是也开始投资信托基金。

最重要是你必须了解信托基金的基本运作。

azera

关于pbcprf的呢???去年第四季才开始运作的...价格好像都浮动不大...

leekk8

这是保本基金，应该已经关闭了吧。。。

leekk8

Public Saving Fund:

1. Public Bank - 10.15%

2. Tenaga Nasional Berhad - 5.38%

3. Digi.Com Berhad - 4.26%

4. Telekom Malaysia Berhad - 3.88%

5. LPI Capital Berhad - 3.37%

Public Growth Fund:

1. Public Bank Berhad - 9.94%

2. Tenaga Nasional Berhad - 8.99%

3. China National Building Material Company Limited (H Shares) - 4.85%

4. RHB Capital Berhad - 4.36%

5. Datang International Power Generation Company Limited (H Shares) - 4.11%

Public Index Fund:

1. Public Bank Berhad - 8.73%

2. Tenaga Nasional Berhad - 6.84%

3. Sime Darby Berhad - 6.52%

4. MISC Berhad - 6.03%

5. Public Bank Berhad (2.55%/19/3/2009) - 5.02%

Public Industry Fund:

1. Public Bank Berhad - 10.18%

2. Tenaga Nasional Berhad - 7.35%

3. Bumiputra-Commerce Holdings Berhad - 5.42%

4. Digi.Com Berhad - 3.96%

5. Riverstone Holdings Limited - 3.55%

Public Aggressive Growth Fund:

1. Public Bank Berhad - 9.81%

2. Tenaga Nasional Berhad - 8.97%

3. Sarawak Energy Berhad - 5.63%

4. China National Building Material Company Limited (H Shares) - 5.46%

5. RHB Capital Berhad - 4.61%

Public Regular Saving Fund:

1. Public Bank Berhad - 9.76%

2. Tenaga Nasional Berhad - 9.29%

3. Bumiputra-Commerce Holdings Berhad - 5.06%

4. RHB Capital Berhad - 4.39%

5. Boustead Holding Berhad - 3.69%

Public SmallCap Fund:

1. Public Bank Berhad (2.55%/19/03/2009) - 13.45%

2. KrisAssets Holdings Berhad - 5.86%

3. Hong Leong Industries Berhad - 4.50%

4. PIE Industrial Berhad - 3.99%

5. Manulife Holdings Berhad - 3.45%

Public Equity Fund:

1. Public Bank Berhad - 10.14%

2. Tenaga Nasional Berhad - 9.13%

3. RHB Capital Berhad - 4.79%

4. Datang International Power Generation Company Limited (H Shares) - 4.68%

5. Boustead Holdings Berhad - 4.39%

Public Focus Select Fund:

1. Public Bank Berhad (2.55%/19/03/2009) - 12.77%

2. KLCC Property Holdings Berhad - 4.61%

3. LPI Capital Berhad - 4.55%

4. KFC Holdings (M) Berhad - 3.72%

5. Lafarge Malayan Cement Berhad - 3.64%

Public Dividend Select Fund:

1. Public Bank Berhad - 10.11%

2. Tenaga Nasional Berhad - 5.56%

3. RHB Bank Berhad (5.00%/2012) - 5.17%

4. Public Bank Berhad (4.73%/2013/2018) - 4.73%

5. Digi.Com Berhad - 4.46%

Public Far East Select Fund:

1. China National Building Material Company Limited (H Shares) - 10.77%

2. Datang International Power Generation Company Limited (H Shares) - 8.75%

3. Public Bank Berhad - 8.20%

4. China Mobile Limited - 5.75%

5. BYD Company Limited (H Shares) - 5.62%

Public Regional Sector Fund:

1. China National Building Material Company Limited (H Shares) - 10.53%

2. Public Bank Berhad - 8.74%

3. China Mobile Limited - 8.62%

4. China Unicom (Hong Kong) Limited - 7.46%

5. BYD Company Limited (H Shares) - 6.47%

leekk8

Public Global Select Fund:

1. DWS (CH) - US Equities - 14.70%

2. DWS Invest European Equities (FC) - 7.93%

3. Morgan Stanley American Franchise Fund Class A - 7.66%

4. Public Bank Berhad - 7.23%

5. China National Building Material Company Limited (H Shares) - 2.49%

Public Far East Dividend Fund:

1. Public Bank Berhad - 9.94%

2. China Mobile Limited - 5.94%

3. China National Building Material Company Limited (H Shares) - 2.90%

4. Samsung Eletronics Company Limited - 2.80%

5. Riverstone Holdings Limited - 2.59%

Public China Select Fund:

1. China Mobile Limited - 9.07%

2. China Construction Bank Corporation (H Shares) - 6.35%

3. China Life Insurance Company Limited (H Shares) - 6.16%

4. Industrial and Commercial Bank of China Limited (H Shares) - 5.74%

5. PetroChina Company Limited - 4.10%

Public Far East Property & Resorts Fund:

1. Selangor Properties Berhad - 5.02%

2. CapitaCommerce Trust - 4.93%

3. Ascendas Real Estate Investment Trust - 4.68%

4. Capitamall Trust Management Limited - 3.97%

5. IGB Corporation Berhad - 3.74%

Public South East Asia Select Fund:

1. Public Bank Berhad - 9.64%

2. DBS Group Holdings Limited - 6.95%

3. Boustead Holdings Berhad - 4.69%

4. United Overseas Bank Limited - 4.47%

5, Tenaga Nasional Berhad - 4.34%

Public Sector Select Fund:

1. Tenaga Nasional Berhad - 9.58%

2. Public Bank Berhad - 9.45%

3. RHB Capital Berhad - 6.74%

4. Bumiputra-Commerce Holdings Berhad - 5.86%

5. Lafarge Malayan Cement Berhad - 5.09%

Public Far East Consumer Theme Fund:

1. Public Bank Berhad - 8.27%

2. Public Investment Bank Berhad (3.34% / 02/03/2009) - 4.27%

3. Public Bank Berhad (2.55% / 19/03/2009) - 4.25%

4. Media Tek Incorporation - 4.08%

5. Esprit Holdings Limited - 2.84%

Public China Titans Fund:

1. Industrial and Commercial Bank of China Limited (H Shares) - 5.28%

2. China Construction Bank Corporation (H Shares) - 5.08%

3. Bank Of China Limited (H Shares) - 4.50%

4. China Life Insurance Company Limited (H Shares) - 4.10%

5. Media Tek Incorporation - 3.85%

Public Far East Telco & Infrastructure Fund:

1. China National Building Material Company Limited (H Shares) - 9.57%

2. ZTE Corporation (H Shares) - 8.38%

3. Datang International Power Generation Company Limited (H Shares) - 7.64%

4. China Mobil Limited - 5.84%

5. BYD Company Limited (H Shares) - 5.68%

Public Balanced Fund:

1. Public Bank Berhad - 9.35%

2. RHB Investment Bank Berhad (5.30%/2012/2017) - 6.98%

3. Injaz Asia-Equity Property Berhad (5.00%/2010) - 5.43%

4. China National Building Material Company Limited (H Shares) - 5.39%

5. Public Bank Berhad (5.10%/2016/2036) - 5.02%

Public Far East Balanced Fund:

1. Public Bank Berhad - 6.16%

2. Public Bank Berhad (5.10%/2016/2036) - 5.94%

3. RHB Investment Bank Berhad (5.30%/2012/2017) - 5.57%

4. Binariang GSM Sendirian Berhad (5.90%/2016) - 4.25%

5. Malakoff Corporation Berhad (5.883%/2014) - 4.25%

Public Global Balanced Fund:

1. Malakoff Corporation Berhad (5.883%/2014) - 12.84%

2. DWS(CH) US Equities - 12.19%

3. Syarikat Bekalan Air Selangor Sendirian Berhad (3.00%/2017) - 10.36%

4. Kerisma Berhad (5.80%/2009) - 6.39%

5. Public Bank Berhad - 6.31%

leekk8

Public Bond Fund:

1. Public Bank (5.10%/2016/2036) - 14.94%

2. Kerisma Berhad (5.80%/2009) - 8.74%

3. Malayan Banking Berhad (4.00%/2012/2017) - 6.00%

4. Transshipment Megahub Berhad (6.70%/2012) - 4.96%

5. Malakoff Corporation Berhad (6.682%/2022) - 4.77%

Public Enhanced Bond Fund:

1. Public Bank Berhad (5.10%/2016/2036) - 14.53%

2. RHB Bank Berhad (5.00%/2012) - 9.91%

3. Malayan Banking Berhad (4.00%/2012/2017) - 7.34%

4. Binariang GSM Sendirian Berhad (5.90%/2016) - 6.22%

5. RHB Investment Bank Berhad (5.30%/2012/2017) - 6.11%

Public Select Bond Fund:

1. Malakoff Corporation Berhad (5.783%/2013) - 9.34%

2. RHB Capital (7.15%/2012) - 8.71%

3. Berjaya Land Berhad (8.00%/2011) - 8.70%

4. RHB Capital (7.20%/2011) - 7.30%

5. Run Holdings SPV Berhad (2.50% / 2011) - 6.50%

Public Money Market Fund:

1. Public Investment Bank Berhad (2.55%/27/03/09) - 4.41%

2. Public Bank Berhad (2.53%/24/08/09) - 3.31%

3. Public Bank Berhad (2.55%/23/08/09) - 3.31%

4. Public Bank Berhad (2.55%/20/08/09) - 3.09%

5. Public Bank Berhad (3.43%/19/06/09) - 2.78%

Public Ittikal Fund:

1. Tenaga Nasional Berhad - 10.04%

2. China National Building Material Company Limited (H Shares) - 5.33%

3. China Mobile Limited - 4.78%

4. China Unicom (HK) Limited - 4.57%

5. Sarawak Energy Berhad - 3.58%

Public Islamic Equity Fund:

1. Tenaga Nasional Berhad - 8.71%

2. Sime Darby Berhad - 6.64%

3. Public Islamic Bank Berhad - 3.25% / 16/03/2009 - 6.05%

4. Telekom Malaysia Berhad - 5.69%

5. Petronas Dagangan Berhad - 4.70%

Public Islamic Opportunity Fund:

1. Public Islamic Bank Berhad (2.00%/31/03/2009) - 8.92%

2. TH Plantations Berhad - 5.52%

3. Mudajaya Group Berhad - 4.15%

4. KPJ Healthcare Berhad - 3.00%

5. Kossan Rubber Industries Berhad - 2.30%

Public Islamic Dividend Fund:

1. Tenaga Nasional Berhad - 7.25%

2. Sime Darby Berhad - 6.84%

3. Digi.Com Berhad - 5.77%

4. IOI Corporation Berhad - 4.46%

5. Telekom Malaysia Berhad - 4.08%

Public Asia Ittikal Fund:

1. China Mobile Limited - 5.57%

2. Public Islamic Bank Berhad (2.50%/24/03/2009) - 4.48%

3. Sime Darby Berhad - 4.26%

4. Samsung Electronics Company Limited - 4.12%

5. Public Islamic Bank Berhad (2.50%/16/03/09) - 3.36%

Public Islamic Asia Dividend Fund:

1. Digi.Com Berhad - 6.94%

2. China Mobile Limited - 5.07%

3. Samsung Electronic Company Limited - 4.00%

4. Sime Darby Berhad - 3.95%

5. Taiwan Semiconductor Manufacturing Company Limited - 3.71%

Public Islamic Sector Select Fund:

1. Public Bank Berhad (2.50%/16/03/2009) - 10.92%

2. Tenaga Nasional Berhad - 10.15%

3. Lafarge Malayan Cement Berhad - 6.46%

4. PLUS Expressways Berhad - 4.06%

5. Sime Darby Berhad - 3.86%

Public China Ittikal Fund:

1. China Mobile Limited - 9.19%

2. Taiwan Semiconductor Manufacturing Company Limited - 4.37%

3. Public Islamic Bank Berhad (2.50%/16/03/2009) - 3.87%

4. PetroChina Company Limited - 3.42%

5. CNOOC Limited - 3.25%

leekk8

Public Islamic Select Treasure Fund:

1. Public Islamic Bank Berhad (2.50%/16/03/2009) - 6.83%

2. Public Islamic Bank Berhad (2.50%/24/03/2009) - 5.12%

3. Bintulu Port Holdings Berhad - 2.71%

4. Lafarge Malayan Cement Berhad - 2.66%

5. KLCC Property Holdings Berhad - 2.49%

Public Islamic Optimal Growth Fund:

1. Public Islamic Bank Berhad (2.50%/16/03/2009) - 9.53%

2. Tenaga Nasional Berhad - 9.48%

3. Sime Darby Berhad - 6.32%

4. MISC Berhad - 5.29%

5. Telekom Malaysia Berhad - 5.11%

Public Islamic Balanced Fund:

1. Golden Crop Returns Berhad (5.25%/2010) - 7.24%

2. Tenaga Nasional Berhad - 5.93%

3. Sime Darby Berhad - 5.30%

4. Public Islamic Bank Berhad (2.45% / 12/03/2009) - 4.98%

5. MISC Berhad - 3.55%

Public Islamic Asia Balanced Fund:

1. Kapar Energy Ventures Sendirian Berhad (7.00%/2014) - 5.71%

2. Lembaga Kemajuan Perusahaan Pertanian Negeri Pahang (5.75%/ 2011) - 5.47%

3. Kesas Sendirian Berhad (6.85%/ 09/10/2009) - 5.43%

4. Samsung Electronics Company Limited - 5.40%

5. Golden Crop Returns Berhad (5.25%/2010) - 5.40%

Public Islamic Bond Fund:

1. Binariang GSM Sendirian Berhad (5.75%/2015) - 7.13%

2. Syarikat Bekalan Air Selangor Sendirian Berhad (5.20%/2014) - 6.31%

3. Binariang GSM Sendirian Berhad (5.90%/2015) - 5.53%

4. Diversified Venue Sendirian Berhad (6.10%/2013) - 4.79%

5. Special Power Vehicle Berhad - 3.00% / 2019 - 4.73%

Public Islamic Enhanced Bond Fund:

1. Binariang GSM Sendirian Berhad (5.55% / 2013) - 8.98%

2. Malakoff Corporation Berhad (5.783%/2013) - 8.92%

3. Binariang GSM Sendirian Berhad (5.90%/2016) - 8.88%

4. Diversified Venue Sendirian Berhad (5.35%/2013) - 8.71%

5. Malakoff Corporation Berhad (6.682%/2022) - 8.34%

Public Islamic Select Bond Fund:

1. SAJ Holdings Sendirian Berhad (7.05%/2014) - 14.00%

2. Lembaga Kemajuan Perusahaan Pertanian Negeri Pahang (5.75%/2011) - 13.58%

3. Kesas Sendirian Berhad (6.85%/ 09/10/2009) - 13.48%

4. TopGlove Corporation Berhad (5.50%/2010) - 13.24%

5. Bumiputra Commerce Holdings Berhad (5.05%/2013) - 13.16%

Public Islamic Money Market Fund:

1. Public Islamic Bank Berhad (3.25% / 05/03/2009) - 8.83%

2. Hong Leong Islamic Bank Berhad (2.50%/10/3/2009) - 5.51%

3. Tradewinds Plantation Capital Sendirian Berhad (18/06/2009) - 4.55%

4. Public Islamic Bank Berhad (2.45% / 18/03/2009) - 4.04%

5. Bank Islam Malaysia Berhad (2.52% / 19/03/2009) - 3.67%

leekk8

Fund Name	1 Year		3 Year		5 Year		10 Year		Since Launched
	Total	Annual	Total	Annual	Total	Annual	Total	Annual	Total
PSF	-15.48%	-15.48%	18.23%	5.74%	29.90%	5.37%	126.11%	8.50%	515.41%
PGF	-23.76%	-23.76%	9.09%	2.94%	18.44%	3.44%	104.78%	7.43%	460.03%
PIX	-27.29%	-27.29%	0.48%	0.16%	14.41%	2.73%	86.90%	6.45%	279.02%
PIF	-28.33%	-28.33%	3.55%	1.17%	17.98%	3.36%	95.67%	6.94%	77.02%
PAGF	-27.31%	-27.31%	11.48%	3.69%	23.00%	4.23%	109.39%	7.67%	68.02%
PRSF	-22.46%	-22.46%	6.62%	2.16%	18.90%	3.52%	105.37%	7.46%	155.06%
PSMALLCAP	-15.92%	-15.92%	39.96%	11.86%	42.97%	7.41%	N/A	N/A	131.95%
PEF	-25.13%	-25.13%	4.12%	1.35%	17.30%	3.24%	N/A	N/A	81.99%
PFSF	-21.64%	-21.64%	8.51%	2.76%	N/A	N/A	N/A	N/A	20.59%
PDSF	-19.32%	-19.32%	13.89%	4.43%	N/A	N/A	N/A	N/A	23.50%

leekk8

Fund Name	1 Year		3 Year		5 Year		10 Year		Since Launched
	Total	Annual	Total	Annual	Total	Annual	Total	Annual	Total
PFES	-25.53%	-25.53%	6.52%	2.13%	N/A	N/A	N/A	N/A	11.43%
PRSEC	-25.08%	-25.08%	N/A	N/A	N/A	N/A	N/A	N/A	-3.79%
PGSF	-27.42%	-27.42%	N/A	N/A	N/A	N/A	N/A	N/A	-33.36%
PFEDF	-24.26%	-24.26%	N/A	N/A	N/A	N/A	N/A	N/A	-18.04%
PCSF	-30.69%	-30.69%	N/A	N/A	N/A	N/A	N/A	N/A	-41.20%
PFEPRF	-37.24%	-37.24%	N/A	N/A	N/A	N/A	N/A	N/A	-48.96%
PBF	-16.54%	-16.54%	13.84%	4.42%	28.79%	5.19%	105.61%	7.47%	94.08%
PFEBF	-18.45%	-18.45%	N/A	N/A	N/A	N/A	N/A	N/A	-18.45%
PGBF	-18.90%	-18.90%	N/A	N/A	N/A	N/A	N/A	N/A	-24.50%
PBOND	2.45%	2.45%	13.87%	4.42%	30.84%	5.52%	102.30%	7.30%	162.67%

leekk8

Fund Name	1 Year		3 Year		5 Year		10 Year		Since Launched
	Total	Annual	Total	Annual	Total	Annual	Total	Annual	Total
PINBOND	4.48%	4.48%	11.92%	3.83%	20.01%	3.72%	N/A	N/A	22.91%
PEBF	-2.83%	-2.83%	11.45%	3.68%	N/A	N/A	N/A	N/A	20.36%
PSBF	2.83%	2.83%	13.41%	4.28%	N/A	N/A	N/A	N/A	14.53%
PMMF	3.02%	3.02%	9.63%	3.11%	16.92%	3.18%	N/A	N/A	17.81%
PITTIKAL	-21.98%	-21.98%	8.35%	2.71%	20.21%	3.75%	141.01%	9.20%	131.32%
PIEF	-20.84%	-20.84%	13.59%	4.34%	24.35%	4.45%	N/A	N/A	60.76%
PIOF	-21.75%	-21.75%	21.55%	6.72%	N/A	N/A	N/A	N/A	28.69%
PIDF	-17.91%	-17.91%	16.55%	5.24%	N/A	N/A	N/A	N/A	16.45%
PAIF	-20.00%	-20.00%	N/A	N/A	N/A	N/A	N/A	N/A	-10.51%
PIADF	-24.73%	-24.73%	N/A	N/A	N/A	N/A	N/A	N/A	-28.77%

leekk8

Fund Name	1 Year		3 Year		5 Year		10 Year		Since Launched
	Total	Annual	Total	Annual	Total	Annual	Total	Annual	Total
PIBF	-17.03%	-17.03%	4.82%	1.58%	N/A	N/A	N/A	N/A	7.73%
PIABF	-17.96%	-17.96%	N/A	N/A	N/A	N/A	N/A	N/A	-25.84%
PIBOND	4.67%	4.67%	14.69%	4.67%	34.45%	6.10%	N/A	N/A	55.54%
PIEBF	-0.89%	-0.89%	N/A	N/A	N/A	N/A	N/A	N/A	3.22%
PISBF	3.20%	3.20%	N/A	N/A	N/A	N/A	N/A	N/A	5.32%
PIMMF	2.92%	2.92%	N/A	N/A	N/A	N/A	N/A	N/A	5.26%
PSEASF	-34.67%	-34.67%	N/A	N/A	N/A	N/A	N/A	N/A	-41.80%
PSSF	-21.49%	-21.49%	N/A	N/A	N/A	N/A	N/A	N/A	-32.20%
PISSF	-19.98%	-19.98%	N/A	N/A	N/A	N/A	N/A	N/A	-30.96%
PCIF	-28.16%	-28.16%	N/A	N/A	N/A	N/A	N/A	N/A	-39.68%

leekk8

Fund Name	1 Year		3 Year		5 Year		10 Year		Since Launched
	Total	Annual	Total	Annual	Total	Annual	Total	Annual	Total
PFECTF	-18.64%	-18.64%	N/A	N/A	N/A	N/A	N/A	N/A	-19.32%
PISTF	-17.91%	-17.91%	N/A	N/A	N/A	N/A	N/A	N/A	-17.52%
PCTF	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-22.52%
PIOGF	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-22.65%
PFETIF	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2.04%
PCPSPF	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	3.45%
PIINCOME	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	1.91%
PISEF	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-2.72%

暖暖

我本人是兼职大众信托，刚刚帮一些手头上的顾客做了一些转移和售出。。。
在确定所投资的回酬多过银行的利息后，有的甚至超过6%后，就帮他们switch和卖了。
因为，深怕next circle会很快的到来，所以才出此下策，虽然赚的不是很多，
但是，为了确保如果next circle真的到来，那么至少还有一些本钱可以买到便宜的单位，
这样做是对的吗？
可是，再帮他们赚了转移后，原本的基金还再拼命涨！搞得我现在心好痛 。。。
顾客反而觉得有赚就行了，只是自己现在心很痛。。。

qkuan

请问Public Select Alpha-30 Fund几时会进场呢？

投资经理觉得是时机就进？

leekk8

也没有什么好心疼的。最重要是你客户的目标要清晰。如果他们觉得在赚了6%这样就可以卖掉，那就没有问题。

说真的，如果你一直心疼或一直想等最高点，你肯定卖不掉，因为没有人懂什么时候是最低点或最高点。记得，你买了后它肯定还会跌的；你卖了后它肯定还会涨的。。。

最重要是你和你的客户都清楚自己的投资目标。

leekk8

一旦认购期过后，基金经理就会开始投入股市了。。。当然选股方面，他们会先研究方面的资料才决定买入什么股。

kikinkikin2005

原帖由 暖暖 于 21-4-2009 06:59 PM 发表
我本人是兼职大众信托，刚刚帮一些手头上的顾客做了一些转移和售出。。。
在确定所投资的回酬多过银行的利息后，有的甚至超过6%后，就帮他们switch和卖了。
因为，深怕next circle会很快的到来，所以才出此下策，虽 ...

暖暖,
你很有責任心,你是來自那個地方的代理?
最近我想多buy一些基金作投資,有什麼好介紹嗎?

我來自KL,現在想找一位関心客戸的代理,
2005年new launch我bought　pfes,
2006年new launch我bought　prsec,
2007年之前的代理辞職消失了,没人理我,
2008年那時我不會switch股票型的基金去bond那保値,
2009年之前所起的都掉回零,傷心.......
現我還hold着 pfes 和　prsec,
現我應switch去bond那保値嗎?