The answer is ....................No.

Hahaha. of cause, if guarantee earn money one, who will go to work? the fund manager also don't want to work already but invest in unit trust instead :p

 But, the answer can be Yes as well if you have invested long enough .Long enough is how long? Well, some funds will guarantee you a consistent return after a year you have invested but again, not all funds are good funds. But, for public mutual funds, from my research, All funds gave a return of nearly and some more than 100% after 10 years. let's look at the proof below :

So, i would like to rephrase it to "unit trust is confirmed SAFE......after 10 years." Too long? you figure out yourself, 100%, worth or not worth.

As a summary, it is different from your insurance package (whatever plans), you do not know how much you have earn after 1 year, 2 years...10 years although the insurance agent presented you a very astonish policy plan where you will earn a LOT LOT when your maturity date is due. But hey, they are blowing water only, insurance company only committed to give you a minimum of 4.5% annually (if i am not mistaken, but somewhere around that figure), they have no commitment to give you 6-8% yearly till your policy is matured ( 40 years to go? haha).

Then DONT BUY insurance lar! NO NO, insurance is very good to 'insure' you. So, you must have at least ONE, but must choose the right package. OK, crapping done.

Next, let me show you how convenient is it to monitor your profit daily, so, go to www.publicmutual.com.my, click login here as showing below ( you need to be a fund holder first)











Then you are in your account, click summary of accounts, then you can view something like below :

See, you know your profit and loss. It is good to view it weekly or monthly. Then, if you in need of money, you can just take profit and say bye bye. Pretty easy :-)

Date	Fund	Fund Abbreviation	NAV	Chg	Chg %
22/7/2010	PUBLIC AGGRESSIVE GROWTH FUND	PAGF	0.6575	-0.0033	-0.50%
22/7/2010	PUBLIC ASIA ITTIKAL FUND	PAIF	0.2587	-0.0004	-0.15%
22/7/2010	PUBLIC AUSTRALIA EQUITY FUND	PAUEF	0.2381	0.0029	1.23%
22/7/2010	PUBLIC BALANCED FUND	PBF	0.7293	-0.0044	-0.60%
22/7/2010	PUBLIC BOND FUND	PBOND	0.9887	0.0019	0.19%
22/7/2010	PUBLIC CAPITAL PROTECTED SELECT PORTFOLIO FUND	PCPSPF	1.0778	0.0021	0.20%
22/7/2010	PUBLIC CHINA ITTIKAL FUND	PCIF	0.1897	-0.0001	-0.05%
22/7/2010	PUBLIC CHINA SELECT FUND	PCSF	0.1727	-0.0003	-0.17%
22/7/2010	PUBLIC CHINA TITANS FUND	PCTF	0.2227	0.0004	0.18%
22/7/2010	PUBLIC DIVIDEND SELECT FUND	PDSF	0.2646	0.0002	0.08%
22/7/2010	PUBLIC ENHANCED BOND FUND	PEBF	1.0421	0.0012	0.12%
22/7/2010	PUBLIC EQUITY FUND	PEF	0.3099	-0.0022	-0.70%
22/7/2010	PUBLIC FAR-EAST ALPHA-30 FUND	PFA30F	0.2447	0.0001	0.04%
22/7/2010	PUBLIC FAR-EAST BALANCED FUND	PFEBF	0.2054	-0.0008	-0.39%
22/7/2010	PUBLIC FAR-EAST CONSUMER THEMES FUND	PFECTF	0.2711	-0.0016	-0.59%
22/7/2010	PUBLIC FAR-EAST DIVIDEND FUND	PFEDF	0.2313	0.0002	0.09%
22/7/2010	PUBLIC FAR-EAST PROPERTY & RESORTS FUND	PFEPRF	0.2192	0.0012	0.55%
22/7/2010	PUBLIC FAR-EAST SELECT FUND	PFES	0.2689	0.0004	0.15%
22/7/2010	PUBLIC FAR-EAST TELCO & INFRASTRUCTURE FUND	PFETIF	0.3187	-0.0002	-0.06%
22/7/2010	PUBLIC FOCUS SELECT FUND	PFSF	0.2357	-0.0003	-0.13%
22/7/2010	PUBLIC GLOBAL BALANCED FUND	PGBF	0.2041	0.0008	0.39%
22/7/2010	PUBLIC GLOBAL SELECT FUND	PGSF	0.1878	0.0014	0.75%
22/7/2010	PUBLIC GROWTH FUND	PGF	0.5233	-0.0038	-0.72%
22/7/2010	PUBLIC INDEX FUND	PIX	0.6829	-0.0022	-0.32%
22/7/2010	PUBLIC INDUSTRY FUND	PIF	0.5366	-0.0015	-0.28%
22/7/2010	PUBLIC INSTITUTIONAL BOND FUND	PINBOND	1.0144	0.0003	0.03%
22/7/2010	PUBLIC ISLAMIC ASIA BALANCED FUND	PIABF	0.2226	-0.0002	-0.09%
22/7/2010	PUBLIC ISLAMIC ASIA DIVIDEND FUND	PIADF	0.2141	0.0003	0.14%
22/7/2010	PUBLIC ISLAMIC ASIA LEADERS EQUITY FUND	PIALEF	0.2430	-0.0006	-0.25%
22/7/2010	PUBLIC ISLAMIC BALANCED FUND	PIBF	0.2785	-0.0003	-0.11%
22/7/2010	PUBLIC ISLAMIC BOND FUND	PIBOND	1.0822	0.0003	0.03%
22/7/2010	PUBLIC ISLAMIC DIVIDEND FUND	PIDF	0.3113	-0.0008	-0.26%
22/7/2010	PUBLIC ISLAMIC ENHANCED BOND FUND	PIEBF	1.0665	0.0001	0.01%
22/7/2010	PUBLIC ISLAMIC EQUITY FUND	PIEF	0.3069	-0.0008	-0.26%
22/7/2010	PUBLIC ISLAMIC INCOME FUND	PI INCOME	1.0802	0.0005	0.05%
22/7/2010	PUBLIC ISLAMIC MONEY MARKET FUND	PIMMF	1.0098	0.0001	0.01%
22/7/2010	PUBLIC ISLAMIC OPPORTUNITIES FUND	PIOF	0.3470	0.0016	0.46%
22/7/2010	PUBLIC ISLAMIC OPTIMAL GROWTH FUND	PIOGF	0.2649	-0.0003	-0.11%
22/7/2010	PUBLIC ISLAMIC SECTOR SELECT FUND	PISSF	0.2745	0.0004	0.15%
22/7/2010	PUBLIC ISLAMIC SELECT BOND FUND	PISBF	1.0819	0.0001	0.01%
22/7/2010	PUBLIC ISLAMIC SELECT ENTERPRISES FUND	PISEF	0.3177	-0.0008	-0.25%
22/7/2010	PUBLIC ISLAMIC SELECT TREASURES FUND	PISTF	0.2812	0.0005	0.18%
22/7/2010	PUBLIC ITTIKAL FUND	PITTIKAL	0.8278	-0.0006	-0.07%
22/7/2010	PUBLIC MONEY MARKET FUND	PMMF	0.9960	0.0000	0.00%
22/7/2010	PUBLIC NATURAL RESOURCES EQUITY FUND	PNREF	0.2498	0.0033	1.34%
22/7/2010	PUBLIC OPTIMAL GROWTH FUND	POGF	0.2551	0.0011	0.43%
22/7/2010	PUBLIC REGIONAL SECTOR FUND	PRSEC	0.2379	0.0004	0.17%
22/7/2010	PUBLIC REGULAR SAVINGS FUND	PRSF	0.5790	-0.0008	-0.14%
22/7/2010	PUBLIC SAVINGS FUND	PSF	0.6586	-0.0009	-0.14%
22/7/2010	PUBLIC SECTOR SELECT FUND	PSSF	0.2798	-0.0002	-0.07%
22/7/2010	PUBLIC SELECT ALPHA-30 FUND	PSA30F	0.3272	-0.0013	-0.40%
22/7/2010	PUBLIC SELECT BOND FUND	PSBF	1.0177	0.0003	0.03%
22/7/2010	PUBLIC SMALLCAP FUND	PSMALLCAP	0.9034	0.0045	0.50%
22/7/2010	PUBLIC SOUTH-EAST ASIA SELECT FUND	PSEASF	0.2535	0.0006	0.24%
22/7/2010	PB ASEAN DIVIDEND FUND	PBADF	0.2482	0.0008	0.32%
22/7/2010	PB ASIA EQUITY FUND	PBAEF	0.2568	0.0000	0.00%
22/7/2010	PB ASIA REAL ESTATE INCOME FUND	PBAREIF	0.2394	0.0010	0.42%
22/7/2010	PB AUSTRALIA DYNAMIC BALANCED FUND	PBADBF	0.2910	0.0038	1.32%
22/7/2010	PB BALANCED FUND	PBBF	0.7827	-0.0006	-0.08%
22/7/2010	PB CAPITAL PROTECTED DRAGON FUND	PBCPDF	1.0394	0.0006	0.06%
22/7/2010	PB CAPITAL PROTECTED RESOURCES FUND	PBCPRF	1.0595	0.0012	0.11%
22/7/2010	PB CASH MANAGEMENT FUND	PBCMF	1.0034	0.0001	0.01%
22/7/2010	PB CASH PLUS FUND	PBCPF	1.0025	0.0001	0.01%
22/7/2010	PB CHINA ASEAN EQUITY FUND	PBCAEF	0.3150	-0.0003	-0.10%
22/7/2010	PB CHINA AUSTRALIA EQUITY FUND	PBCAUEF	0.2349	0.0012	0.51%
22/7/2010	PB CHINA PACIFIC EQUITY FUND	PBCPEF	0.1617	-0.0003	-0.19%
22/7/2010	PB EURO PACIFIC EQUITY FUND	PBEPEF	0.1742	0.0003	0.17%
22/7/2010	PB FIXED INCOME FUND	PBFI	1.0325	0.0003	0.03%
22/7/2010	PB GROWTH FUND	PBGF	0.7510	-0.0014	-0.19%
22/7/2010	PB INFRASTRUCTURE BOND FUND	PBINFBF	1.0079	0.0005	0.05%
22/7/2010	PB ISLAMIC ASIA EQUITY FUND	PBIAEF	0.2082	-0.0003	-0.14%
22/7/2010	PB ISLAMIC ASIA STRATEGIC SECTOR FUND	PBIASSF	0.1787	-0.0002	-0.11%
22/7/2010	PB ISLAMIC BOND FUND	PBIBF	1.0922	0.0003	0.03%
22/7/2010	PB ISLAMIC CASH MANAGEMENT FUND	PBICMF	0.9978	0.0000	0.00%
22/7/2010	PB ISLAMIC CASH PLUS FUND	PBICPF	1.0029	0.0001	0.01%
22/7/2010	PB ISLAMIC EQUITY FUND	PBIEF	0.2556	-0.0004	-0.16%
22/7/2010	PB SINGAPORE ADVANTAGE-30 EQUITY FUND	PBSGA30EF	0.2562	0.0009	0.35%
16/7/2010	PBB MTN FUND 1 *	PBBMTN1	1.0292	0.0020	0.19%