Public Dividend Select fund (PDSF)

Public Dividend Select fund (PDSF) is a very suitable fund for those who is seeking an annual income type of fund. i highly recommend you to save your money in this fund instead of putting in bank. Bank give you 2.5-3.7% of interest annually but PDSF will give you up to 17.9% (according to previous dividend distribution records). Can you believe that?


I would like to emphasis again, this fund is guarantee, again GUARANTEE will give out dividend each year.So, for those who have phobia on Unit trust will drop in price (which causing you to 'lose' your hard earned money), then you just consider this fund because IF the price really drop, at least the dividends that you received are able to cover up your 'lost'. Anyway, again.....if you put for long-term, there is no way to 'lose' money. :p


let me give you a glance on the past dividend distribution:


2006 : 1.25 cent per unit ( which means 5.1 %)
2007 : 2.50 cent per unit (which means 7.7 %)
2008 : 5.25 cent per unit (which means 17.9%)
2009 : 2.00 cent per unit (which means 8.4 %)


'tasty' or not? :p


Many people hate the initial service charge imposed by Public Mutual when you buy the fund for the first time ( normally is 5.5%). But hey, please consider this, your dividend is enough to cover your initial service charge. Yup, you might not earn much during the first year, but what about second year, third year and so on? ( maybe keep rolling for 20 years???) the years after the first year you are not required to pay the 5.5%. got it?!


If you are reading this article sometime around first quarter of  2010, the price is still under 0.30.

PDSF generated a total return of 74.52% since 2005 till date