Owner: RAMA - RAMA BIRU URL:http://kakti.blogspot.com Join Date: Mon, 22 Jan 2007 02:24:28 -0600 Rating:0 Site Description: Grab your financial freedom thru unit trust investment that is combined with personal financial planning! Business opportunity for ambitious and dynamic individuals. Site statistics:Click here
Did you know there is a simple and quick way to kn... 1970-01-01 00:59:59 Did you know there is a simple and quick way to know how inflation and compounded return effect your hard earned money? It's called "rule of 72".The formula: 72 given interest rate = You will get the number of years inflation rate will halve your money or the number of years compounded return rate will double your money Example 1:If you have RM50,000 and wants to know how many years it takes for inflation to halve your money if inflation rate is 3.3%.Solution: 72 3.3 = 22.7 years or 22 years 8 months for real value of RM50,000 to become RM25,000 Example 2:If you have RM70,000 and want to know how many years would it take to double your money if you invested in an investment that give 8% return per year.Solution: 72 8 = 9 years for the real value of RM70,000 to be doubled to RM140,000 So now you have the simple tool to calculate how many years your savings in the bank will double.
Are You Risk Averse or Risk Seeking? 1970-01-01 00:59:59 People's unwillingness to accept losses are generally because they are risk averse or loss averse. It means that they have a preference for certain outcome over uncertain outcome. So lets see which category are you in? Choose one of the following:A) A sure win of $5,000B) An 80% chance of winning $6,000 & a corresponding 20% chance of winning nothing.C) A sure loss of $5,000D) An 80% chance of losing $6,000 & a corresponding 20% chance of losing nothing.Answer: Those who chose A or C is of risk averse type. Those who chose B or D is of a risk seeking type. Read more:Seeking
Wanita perlu sedia membiayai persaraan 1970-01-01 00:59:59 Oleh RUSMA IBRAHIMKEBANYAKAN wanita tidak mampu menyara persaraan mereka. Ramai di antaranya bertungkus lumus cuba mengimbangkan dua peranan sebagai suri rumah, tugas semula jadinya dan pada masa sama terpaksa berdepan dengan halangan untuk maju dalam kerjaya.Tanggungjawab mengimbangi dua tugas ini kerap memaksa wanita mengambil cuti rehat, ada kalanya cuti tanpa gaji, berhenti kerja selepas berkahwin atau selepas menjadi ibu. Ramai juga wanita berhenti kerja kerana mahu menjaga ibu bapa atau ibu bapa mentua mereka yang tua. Sikap ini menunjukkan ikatan kekeluargaan masih utuh di negara ini.Semua faktor ini menyebabkan ramai wanita tidak berdikari dari segi kewangan dan ada kalanya sangat bergantung kepada suami masing-masing, ahli keluarga dan anak-anak yang sudah besar untuk belanja hidup. Wanita
yang bekerja pula menghadapi cabaran yang lain. Mereka kerap berhadapan dengan masalah kerjaya yang terhad, gaji yang kecil dan akaun simpanan untuk persaraan yang lebih rendah.Untuk artikel Read more:sedia
Risk vs Return 1970-01-01 00:59:59 Generally, in investment the greater the risk that a person takes the higher the return that he will get. And less risk entails lower return.Unit trust fund that have a high risk or aggressive risk profile seek to achieve capital growth. This unit trust fund will be mostly invested in the equities or securities of listed companies. This kind of unit trust funds would produce higher return but with higher volatility.Unit trust funds that have a conservative risk profile will be invested mostly in corporate bonds, government securities and liquid securities like bills and cash. Conservative trust funds seek to provide regular income with less emphasis on capital growth. Although it is low risk, it is possible for these funds to incur capital gain and losses during periods of volatile interest rate. Bond has an inverse relation with the interest rate. When the interest rate increase the bond return will decrease and vice versa.Unit trust funds that have moderate risk profile will be mostl Read more:Return
Numbers for Unit Trust Consultant 1970-01-01 00:59:59 0Your likelihood of making a sale when you don't ask for sale1Your goal on the sales chart. To be No. 163%Percentage of sales made after 5th rejection! (that is why you may hear Fives NOs before getting to a YES).75%Precentage of salespeople give up after first rejection80%The part of success you achieve just by showing up, according to Woody Allen100The Average number of calls we need to make to obtain twenty bona fide leads which likely result to three sales. Read more:Numbers
, Consultant
Wake up call to investors! 1970-01-01 00:59:59 The KL Composite Index is expected to hit 1,300 points next year - a high last reached in 1994. Analysts say the stock market can sustain its rally on the back of a positive economic outlook, implementation of the 9MP projects and a stable interest rate..."It will be driven by the positive economic outlook, implementation of the Ninth Malaysia Plan projects and a stable interest rate, say analysts.AmResearch executive director Gan Kim Khoo said the anticipation of a general election in the first quarter of 2008 would also sustain the feel- good factor in the local bourse until the end of 2007For full story click: Source: Hamid,Hamisah. (2006, Nov. 20). KLCI bull run. News Strait Time. p. 1 So folks if you have excess money in saving accounts that only generate less than 3% a year and don't have the time to monitor the KLSE, this is the time to start investing in the unit trust funds. Come and invest with Public Mutual the most awarded unit trust fund manager in Malaysia. Public Mutual
Why You Need To Turn Saving into Unit Trust Inves... 1970-01-01 00:59:59 Why You Need To Turn Saving
into Unit Trust Investment PROS The perfect investment vehicle for regular saver Starting amount are not as small as for saving accounts but are reasonable Investment are easy to build up on a regular basis. Benefit derived from dollar cost averaging Unit trust gives a well-balanced investment portfolio that you do not need to manage yourself You can sell your units when the price is right at any time CONS Affected by ups and downs of share market
KARNIVAL HALAL NEGERI KELANTAN 2006 1970-01-01 00:59:59 KARNIVAL HALAL NEGERI KELANTAN 2006 bertempat di DEWAN BESAR BALAI ISLAM LUNDANG Kota Bharu akan di adakan pada 20 hinggga 30 NOVEMBER 2006. Antara acara menarik adalah Pameran dan Jualan Barangan Halal, Pertunjukkan, Hiburan dan Persembahan Kebudayaan. Public Mutual juga akan meyediakan perkhidmatan bagi yang ingin melaburdan mengetahui dengan lebih lanjut mengenai pelaburan di unit amanah saham yang mengikut syariah. Jadi silalah datang beramai-ramai ke karnival ni.
Financial Expo 2006 1970-01-01 00:59:59 The will be Financial
Expo at Mid Valley Megamall on 17 to 19 November. Everyone who want to know more about personal finance and check their financial health should go there.
Inflasi Musuh yang tidak disedari! 1970-01-01 00:59:59 Tabiat menyimpan sememangnya amat digalakkan. Tetapi dengan hanya meyimpan sahaja tidak cukup. Ia tidak akan dapat membawa kebebasan kewangan kepada kita. Mengapa? Inflasi! Inflasi akan menyusutkan wang hasil penat lelah kita bekerja. Menyimpan di bank hanya memberi pulangan sekitar 0.35- 1.35% setahun (source: http://www.maybank2u.com.my/business/other_services/islamic_banking/maybank/mudharabah_rates.shtml)Manakala inflasi akan menyusutkan nilai duit sebanyak 4% setahun. Ini bermakna pulangan yang paling banyak yang boleh diperolehi ialah -2.65% . Kerugian sebenarnye.Inflasi juga menyebabkan kos pengajian dan sara hidup di universiti awam yang sekarang ini ialah RM 40,500 untuk tiga tahun, akan menjadi RM 80,045.00, 18 tahun nanti. Sekarang ini pun susah untuk mendapat pinjaman atau biasiswa, PTPTN pun mungkin akan tiada lagi di masa akan datang memandangkan ramai peminjam yang tidak dapat membayar balik pinjaman. Jadi adalah penting untuk kita memulakan meyimpan secara tetap setia
We're Hiring 1970-01-01 00:59:59 This is an invitation to ambitious and dynamic individuals like you to join us.Our Agency force is collectively the largest and the most productive in the entire unit trust industry in Malaysia, enjoying the best benefits in the industry.Top 10 BenefitsUnlimited incomeOne of the best commission structures in the industryPassive income and flexible working hoursOverseas trips, public recognitions and awardsSales contests, incentives and campaignsProfessional sales and advanced IT tools supportIntegrated training and coaching seriesBe your own boss and lead your own sales agency opportunityIncentives and subsidies for agency buildingFast Track career promotions, bonuses, insurance coverage, and much much more...When only the best will do for you, join Public Mutual!Unit Trust Industry:The local unit trust industry is a multi-billion ringgit industry because of its vast untapped potential. In a period of less than 13 years since 1992, the amount managed by private unit trust companies gre Read more:Hiring
Good to Know 1970-01-01 00:59:59 When prevailing interest rates rise, newly issued bonds typically offer higher yields to keep pace. When that happens, existing bonds with lower coupon rates become less competitive. That's because investors are unlikely to buy an existing bond offering a lower coupon rate unless they can get it at a lower price. Thus, higher rates means lower prices for existing bonds. Conversely, when interest rates fall, an existing bond's coupon rate becomes more appealing to investors, driving the price up.
New Fund Launched! 1970-01-01 00:59:59 PUBLIC MUTUAL launching the new Public Islamic Enhanced Bond Fund with fron-end load (service charge) of only 0.25% of NAV. A low-risk Syariah-based bond fund that seeks to provide a combination of annual income and modest capital growth primarily through a portfolio allocation across Islamic debt securities and equities which comply with Syariah requirements.Suitable for investors with conservative to moderate risk-reward temperament seeking stability of annual income and modest capital growth potential.It is suitable for EPF and Cash investors who would like to seek stability of annual income and modest capital growth potential, with some exposure in selected foreign markets.Please click here for more information.Save on business & finance magazines! Read more:Launched
New Year Resolution! 1970-01-01 00:59:59 Happy New Year
to everyone! Every new year there always new resolution made. Why not this year make it "I want to save more and spend less". I'm sure everyone of you have been thinking about it but doesn't have the courage to leave your credit card behind, pass the temptation of adding another branded items in your list of must-have-coz-everyone-will-look-with-envy-at-me collections.Well if you are serious about starting the year with a good money management, you can start by purchasing "Buku Perancangan dan Penyata Kewangan Keluarga 2007" or"Household Planning and Account Book 2007" release by Bank Negara Malaysia. It will help you in preparing budget and managing your household income, expenses, savings and investments. The book includes a section that features the concept of "Life and Financial Planning" for a family. It is aimed at providing greater knowledge and awareness in budgeting and financial management.You can purchase the book at the Bank Negara Malaysia Money Museum, Ku Read more:Resolution
WHY WOULD I WANT TO BE A UNIT TRUST CONSULTANT? 1970-01-01 00:59:59 Because you would be entering a green field industry in Malaysia with awesome upside potential.As at end March 2004, India's equity penetration rate (which can be defined as the combined value of all assets managed by a country's unit trust industry DIVIDED by its total equity market capitalization) was 12% (sources: Association of Mutual Funds in India, and the Bombay Stock Exchange). The UK's was 34% (sources: London Stock Exchange, and Investment Management Association, UK). Ours? A meager 10.84% (As at end March 2004. Source: Securities Commission). Couple that with Malaysians having RM6 in fixed deposits for every RM1 we have in private unit trust funds. Translations: There's room to grow: source:Bank Negara Msia, Monthly Statistical Bulletin March 2004 : The Edge-Lipper Fund Table, 10/05/2004.OK, BUT WHY WOULD I WANT TO JOIN PUBLIC MUTUAL? Because we're the biggest and best!We've raked up more than two decades of fund management experience in the challenging Malaysian
The Four Distinct Phases of Financial Planning 1970-01-01 00:59:59 Phase One: The Foundation Years (Mid-20s to Mid-30s)Many years of earning power aheadPlans to buy a home and start a familyWilling to accept some fluctuations in investment, result in pursuit of long-term financials goalsPhase Two: The Acquisition Years (Mid-30s to Mid-40s)Income still climbingEstablishes a tertiary education fund for childrenWilling to accept some fluctuations in investment, result in pursuit of long-term financials goalsPhase Three: The Accumulation Years (Mid-40s to Mid-50s)Family responsibilities are winding downBegins to think of retirementSeeks less vilatility in investment results by emphasising more income and capital preservation and less long-term growthPhase Four: The Reaping-The-Reward Years (Mid-50s to Late Retirement)Retired or about to retireYears of earning high income may be overPlans retirement activities; and assesses ability to set up trust funds for grandchildrenSeeks lower volatility in investment resultsSo where are you at right now? technorati t Read more:Financial
, Financial Planning
Why Unit Trust Dividend So Low? ASB Give More! ... 1970-01-01 00:59:59 Why Unit Trust Dividend
So Low? ASB Give More! This is one the objection that most unit trust consultant will face while promoting their funds in Malaysia. What the prospects don't realize is that private unit trust funds gave two kinds of returns. The returns are given through distribution and capital gain. So when we are calculating a return of a private unit trust, we should add the dividend with the difference of price bought and price sold. Example how to calculate is shown below: Year 0 1 2 3 Price bought (P0)/ Since inception RM 1.00 Dividend RM.0.10 RM0.10 RM0.10 Price Sold (P1)/Point of Valuation RM 1.20
Why I Invest in Public Islamic Dividend Fund? 1970-01-01 00:59:59 "The stock market will likely remain bullish going into 2007, driven by more merger and acquisition (M&A) activities, the Ninth Malaysia Plan and higher crude palm oil (CPO) prices.""Citigroup Investment Research managing director and head of regional strategy Markus Rosgen said the current M&A activities featuring privatisation of listed assets should free up billions of ringgit looking for new investments.""Following the M&A and privatisation moves, Citigroup finds Sime Darby Bhd among the most inexpensive blue-chip stocks with attractive dividend yields, estimated at 6% in financial year (FY) 2007 and FY08.""DiGi.Com Bhd also has high dividend yields, estimated at 7.9% for FY07 and 8.5% for FY08.""SP Setia Bhd is also attractive with estimated 6% to 7% dividend yields in FY06 and FY07."Source: The Star. (14 Dec. 2006).KL bourse likely to stay bullishPublicIslamicDividend
Fund(PIDF)was launched by Public Mutual in February 2006 to benefit from the Malaysian stockmarket's curr
Purifies Assets and Creates Virtues 1970-01-01 00:59:59 We are in the last month of 2006. During December, our Christian friends are busy buying gifts for the love one and everyone I'm sure are busy gathering all the documents, receipts and bills for taxes purposes.But to our Muslim friends did you remember your other obligation, to pay your zakat.Take from their wealth alms, in order to purify them and sanctify them thereby" Literally, zakat means "grow' (in goodness) or "increase', and "purify' or "make pure'. So the act of giving zakat means purifying one's wealth to gain Allah's blessings and making the wealth grows in goodness. One of the most important principles of Islam is that all things belong to Allah, and that wealth is therefore held by human beings in trust. The word "zakat' means both "purification' and "growth'. Our possessions are purified by setting aside a portion thereof for those in need, and like the pruning of plants, this act balances and encourages new growth.Zakat purifies not on Read more:Assets
, Creates
Help the Flood Victims organized by News Stra... 1970-01-01 00:59:59 The New Straits Times Press (M) Bhd has set up a fund to help flood victims in the southern peninsula. Donations via cheque, bank draft or postal order made out to: ‘NSTP Flood Victims
Assistance FundÂ’ (Tabung Bantuan Mangsa Banjir NSTP)can be sent to: The New Straits Times Press (M) Bhd,c/o Finance Department,5th Floor, Balai Berita,31, Jalan Riong, 59100 Bangsar, Kuala Lumpur(Attention: Ms Aidah Nordin). Kindly write on the back of the cheque donorÂ’s name, address and contact number. Donations to the fund can also be made at NSTP branches in Johor Baru, Klang, Alor Star, Batu Pahat, Ipoh, Kota Baru, Kota Kinabalu, Kuala Terengganu, Kuantan, Kuching, Malacca, Muar, Penang and Seremban, or its regional printing plants in Shah Alam, Prai, Senai and Ajil. Maybank2u.com!
AIA LIFE MATTERS INDEX SURVEY 20... 1970-01-01 00:59:59 AIA LIFE MATTERS INDEX SURVEY
2006 Malaysia ranked first out of four Asian countries surveyed in terms of parents wanting to send their children abroad Malaysian parents only saved a mean average of RM48,573 for their children's tertiary education, although they should have saved a mean of RM72,827 Malaysians desire bigger families as 56% intend to have three or more children Malaysian parents are more likely (33%) than parents in Hong Kong, Thailand or Singapore to plan on sending their offspring abroad to study Malaysian listed Australia as the No. 1 destination for study "The Life Matters Index statistics show that many parents in Malaysia still lack information and k
Balancing Needs & Risks in Unit Trust Investment 1970-01-01 00:59:59 Investors who are not far from retirement are a cautious group, and with good reason too. They know they need to carefully balance their investment weightings of stocks and bonds to keep their nest egg growing - but without too much risk. That's where balanced funds come in. Balanced funds are funds that invest in a diversified portfolio of common stock, preferred stocks, bonds and sort-term bonds, to provide both income and capital growth while avoiding excessive risks.For the balanced funds, the ratio of stocks to bonds is determined by the fund's objective and the fund manager. On the average, their ratio of stocks to other investments is approximately 60:40. Managers of balanced funds can, however, shift ratio one way or the other to take advantage of high interest rates or stock market growth. These funds may be equity-oriented and skewed toward stocks, or income-oriented and skewed toward bonds. For Full Article Click Heretechnorati tags: unit trust investment balance fund Read more:Balancing
, Needs
, Risks
What do unit trust and a RM10 restaurant have in common? 1970-01-01 00:59:59 Recently I attend a Robert Young seminar, a speaker from Singapore. He makes a simple analogy to describe the concept of a unit trust
.There is this restaurant
that sells each dish for RM10. You only have RM10. So when you go by yourself, you only can buy one dish. You may get the dish that is tasty or to your liking and you may not. But as you don't have any more money, you have to eat it regardless.But then if you take 9 of you friends who also have only RM10 each. You can buy 10 different dishes that can be shared. From the 10 dishes, you may like all or you may not. You can eat what you like and not what you don't like.This is the same with unit trust, where you can own 10 or more blue chip company equities with a small amount usually RM1,000. If you try to enter the share market on you own, you usually can afford to buy only one blue chip company. If the share price go up you are in heaven, if the price go down you are in hot water.In unit trust the loss from shares that go
More Local offerings poised for launch this year 1970-01-01 00:59:59 Unit trust have over the years proven their ability to give better returns compared with other instruments, and at relatively lower risks.A report by Standard & Poor's Fund Services, dated January 23 2007, indicates that the average return on equity funds last year was 24.88 per cent, followed by asset allocation category of 17.74 per cent.The Kuala Lumpur Composite Index (KLCI) in comparison delivered lower but still solid 21.8 per cent return in 2006."The above clearly demonstrates that unit trusts do deliver respectable returns. Of course, this is buoyed by the good performance of the local stock market in the later part of last year" Federation of Malaysian Unit Trust Managers president Datuk Tunku Ya'acob Tunku Abdullah said.The trend pursued by mutual fund companies since last year has been offshore-based funds, and this year alone four have launched such fundsThe reason why these foreign funds sold like hot cakes was the poor performance of the local equity market, MAAK Read more:Local
Three Big Events Coming Up! 1970-01-01 00:59:59 6th CAREER AND TRAINING FAIR 2007Venue: Mid Valley Exhibition CentreDate : 6th - 8th April 2007, Fri - SunOperating Hours : 10.00am - 8.00pmMalaysia's No. 1 career and training exhibition is into it's 6th year - with over 200 booths in Kuala Lumpur's premier exhibition venue, the Mid Valley Exhibition Centre. Since 2002, this annual event has attracted over 180,000 fresh graduates, managers and professionals, filling up thousands vacancies ranging from top managerial to entry-level positions.----------------------------------------------------------4th Malaysia International Halal Showcase (MIHAS)Venue : Kuala Lumpur Convention Centre, KLCC, MalaysiaDate : 9th May to 13th May 2007Operating Hours : 10.00am - 7.00pmMIHAS 2007 is a platform to further promote local halal products and penetrate the international market.MIHAS, which made its debut in 2004, has become an iconic brand name in the halal industry and is seen as an effective gateway especially to the global Muslim market. La Read more:Three
Panduan Mengkayakan diri anda 1970-01-01 00:59:59 101 Petua Murah Rezeki & Jauhi Hutang Ustazah Siti Nor Bahyah Mahamood Buku ini memberi pelbagai petua dan tips bagaimana dan di mana untuk kita mendapat rezeki yang murah dan melimpah ruah. Di samping itu ia juga memberikan panduan dan selok belok menghindarkan diri dari hutang.. Harga Pasaran : RM19.90 Harga Ahli VIP : RM18.90 -----------------------------------------------------------------7 Formula Individu CemerlangDr. Danial Zainal AbidinBuku ini membongkar rahsia kejayaan dan kecemerlangan individu sejak beribu tahun. Buku yang mesti dibaca oleh individu yang hendak berubah apabila dunia berubah..Harga Pasaran : RM33.00 Harga Ahli VIP : RM31.50 --------------------------------------------------------------Ubat HatiUstazah Siti Nor Bahyah Mahamood Panduan
melakukan eksplorasi hati bagi membentuk hidup yang lebih terarah, bermakna dan cemerlang!.Harga Pasaran : RM19.90 Harga Ahli VIP : RM18.90
Public Mutual offers 1% free units 1970-01-01 00:59:59 Public Mutual
Bhd will be offering 1% free units
for all new investments into equity and/or balanced funds under its Awards Appreciation Campaign 2007 which starts on March 1, 2007. Public Mutual chairman Tan Sri Teh Hong Piow said this campaign was open to all equity and balanced funds under the Public Series of Funds and PB Series of Funds (with the exception of Public Ittikal Fund which remains closed). The campaign period is from March 1 to 21. Investment into low-load units of bond fund(s) and/or money market fund is excluded. Teh said the campaign would enable the company to show its appreciation to valued unitholders for their continuing support and trust. Public Mutual, a unit of Public Bank Bhd, recently received 21 fund awards at both The Edge-Lipper Malaysia Fund Awards 2007 and The Star/Standard & Poor’s Investment Fund Awards Malaysia 2007. Public Mutual is the largest private unit trust company in Malaysia. It manages 38 funds for more than 900,000 accountholders. As at Read more:Public
What does it mean to me as an investor when public mutual offers 1% free units 1970-01-01 00:59:59 Well if you as an investor invest RM50,000 and the current selling price of the fund is 25 cent per unit. What you will get is:RM 50,000 ÷ RM0.25 = 200,000 units
1 % Free units = 2,000 unitsTotal units that you as an investor will get is 202,000 units. The total cost of your investment will go down to:RM 50,000 ÷ 202, 000 = 0.2475 cents per unitSo those who take this opportunities to invest will reap attractive capital gains on his "enlarged" unit holdings when there is a market upturn.
Recommend Site To A Friend
