Public Dividend Select Fund (PDSF)
- Initial Amount Paid = RM1,000
- Sales Charge (5.5%) = RM52.13 (It suppose to be RM55, I can’t remember was there any discount or promotion during the time I bought the fund)
- Actual Amount Invested = RM1,000 – RM52.13 = RM947.87
- Total Units = RM947.87 / 0.2873 = 3,299.22 units
- Balance NAV as at 01/04/2011 = RM1,036.61
ROI (Return On Investment)
= [(RM1,036.61 – RM947.87) / RM947.87] x 100%
Cash On Cash Return
= [(RM1,036.61 – RM1,000) / RM1,000] x 100%
Conclusion, I don’t look at the ROI because the Cash On Cash Return calculation is more realistic on reflecting my investment returns, right?
Anyway, my one thousand cash invested in PDSF six months ago has achieved total returns of 3.66%. Although it is a bit slow, but at least something better than fixed deposit interest rates.
Public Dividend Select Fund Performance Chart
Total Returns from 01-Oct-10 To 01-Apr-11 = 9.29%
Based on the graph, it shows that the total return of the PDSF is about 9.29%, compare to my Cash on Cash Return calculation on above, which is about 3.66% only.
Therefore, don’t get yourself confused by the nice figure shown in the graph, always factor in the sales charges in order to get the clearer picture on how much money you have actually made via the investment.
Remarks: Why there is a difference of 0.07% between my transaction statement and graph, any Public Mutual fund agent here would like to clarify for it?