RAMA - RAMA BIRU

Cara - cara untuk mendaftar Public Mutual Online:

2009-11-08T11:54:00.002+08:00

Boleh dapatkan salinan borang perkhidmatan Public Mutual Online Public Mutual HQ atau mana2 cawangannya. Ataupun muat turun saja borangnya dr publicmutualonline.com.my.

Utk keselamatan pelabur perlu hantar sendiri borang ke Public Mutual HQ atau mana2 cawangannya atau cawangan Public Bank. Sila bawa IC utk pengesahan.

Anda juga boleh mendaftar utk Public Mutual Online melalui PBeBank.com jika anda pengguna PBeBank.
Public Mutual akan hantar "docket mailer" dgn ID pengguna dan Password ke alamat yang diberi. Anda boleh gunakan ID pengguna dan Password ini utk masuk ke publicmutualonline.com.my.

TAHUKAH ANDA?

2009-11-08T11:53:00.000+08:00

Kini anda boleh buat urusan pelaburan Public Mutual anda secara online. Perkhidmatan secara online yang disediakan ialah:

Pertanyaan Online:
1. Ringkasan Akaun
2. Maklumat terperinci transaksi
Muat turun:
1. Muat turun e-penyata
2. Muat turun laporan tahunan/suku bulanan
Pelaburan secara online:
1. Pelaburan permulaan utk akaun baru
2. Pelaburan tambahan untuk akaun pelaburan sedia ada
Permohonan Transaksi secara online
1. Penukaran ke dana lain
2. Penebusan unit
Kemaskini Maklumat Peribadi secara online
1. Tukar password
2. Tukar alamat
3. Tukar arahan agihan pendapatan
4. Pendaftaran akaun bank

Special Service Charge of 5% on All Equity Funds

2008-11-04T23:29:00.002+08:00

Good news to all!

Public Mutual is offering a Special Service Charge of 5% on all its equity funds for a limited period from 3 November to 3 December, 2008. This special service charge will be extended to all cash transactions (including standing instructions, RCA instructions and switching of low-load units) into the equity funds during the said period.

It is indeed an opportune time for long term investors to take advantage of the current attractive market valuations, by increasing their investment into the equity funds to meet their long term investment goals.

The world's most renowned investor Warren Buffett had in his recent article titled 'Buy American. I Am" published on 16 October 2008 in the New York Times, quoted the following in explaining why he began to invest heavily in stocks: -

" I can't predict the short-term movements of the stock market.I haven't the faintest idea as to whether stocks will be higher or lower in a month - or a year - from now. What is likely, however, is that the market will move higher, perhaps substantially so, well before either sentiment or the economy turns up. So if you, wait for the robins, spring will be over. "

So folks out there do take advantage of this special promotion to increase your investment.

Chances to meet the blogspot author..:)

2008-02-18T10:53:00.003+08:00

Public Mutual will be opening a booth at Perkampungan Hadhari in Kok Lanas, Kelantan from 20 February 2008 to 23 February 2008.

I will be manning the booth with other Public Mutual UTC on the 23rd from 10am to 10 pm. So if you want to know more about unit trust investment or aspire to be a unit trust consultant, then you are most welcome to visit our booth.

See you there!!!

Anorther Fund open for EPF investor to invest!

2008-02-18T10:27:00.005+08:00

Yes starting today the EPF investor can diversify their EPF investment into a higher risk syariah fund. Before this Public Mutual EPF investors who prefer to invest in syariah funds can only invest in a conservative to moderate Syariah funds.

Now the EPF investors can invest in the Public Islamic Equity Fund.

Promotion, Promotion !!!!!!

2008-01-31T13:26:00.000+08:00

Public Mutual has launched KLIFF Award Celebration Promotion Campaign. In this campaign investors will enjoy a special promotional service charge rate of 5% of NAV for cash investments (PII and PAI) made during the pcriod of 29 Januarv 2008 till 29 Februarv 2008 into the selected Public Series of Shariah-based Funds.

The Shariah-based Funds are:

Public Ittikal Fund
Public China lttikal Fund
Public Asia Ittikal Fund
Public Islamic Equitv Fund
Public Islamic Opporturities Fund
Public Islamic Asia Dividend Fund
Public Islamic Asia Balanced Fund

Well investors it is a double bonus for you if you invest right now as you are getting a lower service charge at a lower per unit fund price. The fund prices are lower right now as our local equity market are affected by the flagging US economy. You must look this as an opportunity to get a lot of unit trust at a cheaper price...it will lower down your investing cost.

New Details on Investment thru EPF

2008-01-19T13:37:00.000+08:00

PANDUAN KEPADA AHLI

KELAYAKAN PELABURAN DI BAWAH
PENGELUARAN PELABURAN AHLI

1.0 PENGENALAN

Mulai 1 November 2007, KWSP telah melaksanakan beberapa pembaharuan dalam SKIM KWSP secara berperingkat di bawah inisiatif strategik ’Bukan Hanya Simpanan’ seperti mana yang diperuntukkan di bawah Akta KWSP 1991 (pindaan 2007). Ini termasuklah inisiatif untuk memperkenalkan Simpanan Asas bagi menentukan amaun yang layak
dilaburkan oleh ahli daripada Akaun 1 di bawah Pengeluaran Pelaburan Ahli (PPA)

2.0 DEFINISI SIMPANAN ASAS

Simpanan Asas ialah satu jumlah simpanan dalam Akaun 1 yang ditetapkan mengikut umur bagi membolehkan ahli memperoleh simpanan sekurang-kurangnya RM120,000 pada umur 55 tahun. Ahli boleh melaburkan simpanan dalam Akaun 1 yang melebihi simpanan asas dalam produk dan menerusi insititusi pelaburan yang diluluskan oleh
Menteri Kewangan.

3.0 SYARAT-SYARAT YANG DITETAPKAN

3.1 Mulai 1 Februari 2008, ahli boleh melaburkan simpanan di bawah PPA tidak melebihi 20% daripada jumlah simpanan yang melebihi Simpanan Asas dalam Akaun 1.

3.2 Pelaburan ini boleh dibuat setiap 3 bulan sekali dan jumlah minimum
pelaburan ialah RM1,000.00.

3.3 Jumlah Simpanan Asas dan contoh pengiraan adalah seperti di LAMPIRAN.

3.4 Syarat-syarat am prosedur di bawah Pengeluaran Pelaburan Ahli yang lain masih kekal dan tidak berubah.

4.0 PERTANYAAN

Untuk maklumat lanjut, sila layari laman web KWSP www.kwsp.gov.my atau menghubungi Pusat Panggilan Telefon KWSP di talian 03 8732 6000 atau Emel enquiry@epf.gov.my

KUMPULAN WANG SIMPANAN PEKERJA
JANUARI 2008

Sila Klik Gambar utk lihat dengan lebih jelas.

Chance for you to increase the return of your EPF savings

2008-01-05T23:07:00.000+08:00

I've been waiting for this chance for a long time and now it will be realized. Before this only high income individuals or who have been working for a long time will be able to invest their EPF savings in the unit trust.

Beginning 1 February 2008, 11.4 million EPF members can invest as long as their account 1 amount exceed the required savings amount.

The basic amount that each members have to have is based on their age:
1) 25 years old (RM9,000)
2) 30 years old (RM18,000)
3) 35 years old (RM29,000)
4) 40 years old (RM44,000)
5) 45 years old (RM64,000)
6) 50 years old (RM90,000)
7) 55 years old (RM120,000)

The basic quantum of saving will be access every five years.

Example of calculation: Ali is 30 years old and has RM30,000 in account 1. For 30 years old the basic saving/min that they must have in account 1 is RM18,000. So the amount that he can invest in UT is 20% from (RM30,000 - RM18,000 = RM12,000), amounted to RM2,400. The investor still will have to pace their saving to every 3 months. Same as before.

Table below show the real return that you as EPF member get from EPF savings:

Year	2001	2002	2003	2004	2005	2006
Dividend Rate (%)	5.00	4.25	4.50	4.75	5.00	5.15
Inflation Rate(%)	1.40	1.80	1.20	1.40	3.00	3.60
Real Dividend Rate (%)	3.60	2.45	3.30	3.35	2.00	1.55

So to all EPF memmbers, lets' put your EPF saving into a higher return vehicle....

Another New Goals to conquer!

2007-12-17T22:59:00.000+08:00

I attend the Kick Off 2008 meeting today. It was a full house. A lot of people have to stand including me...I was 15 minutes late..hee..hee serves me right. Kota Bharu Public Mutual office should hurry their search for a bigger place or the next year meeting will be seeing people standing outside the meeting room on the stairs.
Well in the meeting that I can only hear but cannot see the speaker or the screen...the speaker had announce the 2008 Challenge and Incentive trip. It is Rome, Italy and Guangzhou & Gulin,China.
I didn't make it for this year Incentive trip...too busy doing other things..:)

In the meeting The Public Mutual rep also announce:
1) Starting 1/1/2008 all EPF investment service charge will be 3%. A drastic decrease of comission for the UTC also due to this :(
2) Starting 1/1/2008 also all cash investment service charge will be 5.5% only. Another decrease in the comission for the UTC. But good news to all investors and would be investors out there..:)

But good news to UTC the FD savings of individuals did not decrease at all despite the buying spree of Public China Ittikal Fund amounting to RM 1 Billion. In October it stood at RM225,445.5Million. According to the rep the FD amount is more than that currently. So it means that they are a lot of cash rich individuals that are waiting for all UTC out there to coax them to invest in a better investment vehicle. So good luck to all UTC out there...remember the person sitting next to you may be the depositor..:)

Public Ittikal is Open for SALE!!!

2007-12-02T22:08:00.000+08:00

Now for those of you who have been waiting to invest in a fund but don't have RM1000 but have only RM500, then you will have the opportunity now. Public Ittikal, the most popular Islamic fund of Public Mutual is open back for sale starting 1 December 2007. The starting investment for this fund is only RM1000.

The last time I didn't get the chance to do an auto debit into this account. So I'm going to fill up the auto debit form so that every month there will be money going into my Public Ittikal account even when the fund is closed for sale to the the Public. The min is only RM100...... but you can enter more than that also....

New Fund is LAUNCHED !!!!!!!!!!!!!!

2007-11-20T23:43:00.000+08:00

There is a new fund being launched by Public Mutual Berhad. It's called Public China Ittikal Fund. It is an aggressive and Islamic fund that is invested in China, Taiwan and Hongkong. So if you have been thinking of investing in China but cannot due the capital constraint ..this is your chance... :)

During promotional period from 20November to 10 December 2007 it will be selling at 25cents per unit with a 5.45% service charge.

So folks out there grab this great opportunity to receive great return for your hard earned money. For further information regarding the fund you can go to http://www.publicmutual.com.my/

PIDF will be accepting EPF sales (including switching sales) with effect from 20 August 2007.

2007-08-21T11:50:00.000+08:00

The current special promotional servicec harge of 5.45% f NAV on EPF sales will be extended to include PIDF as well. This special promotion will run until 30 August 2007.

PIDF is an Islamic equity income fund that seeks to provide income by investing in a portfolio of Malaysian stocks that complies with Shariah requirements and which offer or have the potential to offer attractive dividend yields. This fund is suitable for investors with moderate risk-reward temperament who prefer to receive regular income while capital growth is secondary. Do take this opportunity to top-up your EPF investment in the PIDF fund.

The fund total return since it launched date of 14 February to 20 August 2007 is 36.75%

Single pricing... How many units will I get and how much shall I pay for my investment?

2007-08-16T15:48:00.000+08:00

On 9 October 2006 Securities Commission announce the initiatives to accelerate growth and enhance investor protection in the unit trust industry. One of the initiatives are single pricing. below is an excerpt from the newspaper announcement:

A single pricing regime will be introduced at the beginning of the second quarter 2007 to ensure there is full transparency and disclosure of up-front costs. Unlike the current dual pricing regime where prices are quoted inclusive of charges, under the single pricing arrangements, prices will reflect the net asset value of a unit and all charges will be separately disclosed. The enhanced transparency of prices and charges will allow investors to compare the costs of investing in unit trusts associated with different channels of distribution and should lead to a more competitive cost environment.

So with this new ruling how many units will you get and how much shall you pay for your investment?

Below is an example of how the calculation is done when the fund NAV per unit is RM0.2500.

Units credited to your account:

= Amount invested /NAV per unit
= RM10,000/RM0.2500
= 40,000 units

Service charge per unit :

= NAV per unit x Service Charge (%)
= RM0.2500 x 5.45%
= RM0.013625

Total service charge incurred:

= Service Charge per unit x Units credited to investor
= RM0.013625 x 40,000 units
= RM545

Following the above, the total amount you should pay will be:
= Amount invested in PIABF + Service charge incurred
= RM10,000 + RM545
= RM10,545

EPF new regulation..

2007-06-25T12:01:00.000+08:00

Unit trust management companies are directed by KWSP to stop accepting new EPF investments into funds with foreign exposure with effect from 21st June 2007.

Due to this new directive Public Mutual will only accept EPF investment for the following funds with effect from 2nd July 2007:-

1) Public Regular Savings Fund (PRSF)
2) Public Index Fund (PIX)
3) Public Islamic Balanced Fund (PIBF)
4) Public Select Bond Fund (PSBF)
5) Public Money Market Fund (PMMF)
6) Public Islamic Money Market Fund (PIMMF)

The new EPF investments into the above 6 funds made from 2nd July 2007 onwards are only allowed to be switched within these funds and any other funds which may be approved later.

Public Mutual also will be running a Special Promotional Service Charge of 5.45% (instead of the usual 6.5%) on all EPF investment invested into PRSF, PIX and PIBF from 2nd July 2007 until 31st July 2007.

The above 6 funds will not be investing abroad. So EPF investor grab this great discount, a big saving in service charge!

Gold for the Early Bird

2007-05-17T13:23:00.000+08:00

The main enemy in getting a high return is not the volatility of a market, but procrastination. We can see from the diagram below what it cost to Clyde when he only starts saving when he is 27 years old.

Although he save RM1,000 a year for the next 38 years, he still cannot match the amount of money that Bonnie gets for saving only 10 years at the early age of 18. The earlier you start the lesser amount you have to save and you don’t have to seek a very high interest rate.

As it goes the higher the interest rate, the higher the risk that you have to put up with. So if you start early you can put your money in a moderate unit trust fund and still get a higher gain. You don’t have to go through the high volatility of a direct stock investment or the aggressive/high risk unit trust fund. So the best advice is start saving or investing now!.

Eight Golden Rules Of Investing.

2007-05-07T12:45:00.000+08:00

Do Not Borrow To Invest.
Do Not Invest All Your Money.

If an investor were to invest his money in a single stock counter, he could lose all of his money if the company went into liquidation. A unit trust spreads the risk off loss by holding a portfolio of stocks which behaves in a less volatile manner. It means less sleepless night for you.

Do Not Invest Money You Need Soon
Do Not Get Emotional And Panic
Do Keep Investing And Stay Invested
Do Diversify
If an investor invest all his money in a single stock, when the price falls
Do Take Professional Advice
Do Give Your Investments Time To Grow.

Fund can Invest More in the Overseas...

2007-04-16T11:46:00.000+08:00

STARTING April 1, Malaysians will be able to invest more of their money abroad as they search for better returns.

Bank Negara Malaysia has relaxed rules to allow unit trust companies to invest half of their total net asset value (NAV), or the market value of their investments, up from 30 per cent previously.

This means that unit trust firms will be able to offer additional units in funds that invest overseas.

Such funds have been selling well, but unit trust managers have complained that most of them are close to hitting the ceiling in terms of foreign investments.

"This is good news for unit trust players to come up with more global funds which will give more choices for investors to diversify their investment portfolios," Amanahraya Unit Trust Management Sdn Bhd chief executive officer Roslan Harun said.

"I personally think the figure should be more than 50 per cent of the NAV as local investors' appetite for global funds now is on the rise."

He said investors do not want to be restricted to only investing in the local market.

The announcement could entice one or two unit trust companies to focus only on global funds, he added.

"Players now can come up with products that could actually focus on specific countries, such as China and India, apart from the US and Europe," said Roslan , adding that Amanahraya Unit Trust has applied to launch a global fund.

Another industry player, a senior manager at a unit trust firm, said that this latest move had been long awaited.

"It has been close to two years that the limit was revised to 30 per cent, and some of us had expected it to go up to 60 per cent," she said.

She said that this latest development would certainly enhance investment returns as investors would be given more options for a better risk-and- return profile for their funds.

Great Bonus for Public Mutual Investors!

2007-03-01T10:32:00.000+08:00

With regards to our market’s performance during the first half of today’s trading, I would like to reassure investors that our market fundamentals remain strong and we maintain our optimistic outlook on our market's performance over the medium-term. The KLCI opened at 1,189.58 points and declined 8.17% to a low of 1,136.01. However, as of 12:30 pm today, at the end of the day’s first trading session, the KLCI has already seen some recovery, closing at 1,162.91. From our analysis, coupled with feedback from fund managers, analysts and brokers, it is clear that our market’s performance this morning is not an isolated incident.
The sharp fall experienced early in this morning’s trading session was a knee-jerk reaction to the regional market slide caused mainly by the sharp decline of the China indices yesterday. We will continue to monitor the situation but I am assured that our market will maintain its growth position in the long run. Our economy is stable and the outlook for 2007 remains positive. Our public-listed companies also continue to demonstrate progress and provide good returns to shareholders. (Statement From Dato’ Yusli Mohamed Yusoff, Chief Executive Officer, Bursa Malaysia Berhad, 28 Feb 2007)

To some the current KLCI sharp fall is bad news as they are lossing a lot of money. But I think this is a great opportunity to Public Mutual investors in the long term as they can apply the buy low sell high concept. This is a double boon for them as concurrently Public Mutual is running the Award Appreciation Campaign. They will be able to buy at a lower price per unit and at the same time get 1% free unit.

Some of the unit trust investors have switch their equity fund into bond to lock profit. But to do this you have to know where is the lowest point before KLCI bounce back, so you can switch back from bond to equity and make profit. The safer method is to diversify your investment into bond and equity for investor with a large amount of money. But to long term investors who do dollar cost averaging they don't have to do switching. The dolar cost averaging method will ensure that the units will be bought at an actual cost which is lower than the average unit price over the same period.

I think it is a hassle to do the monitoring yourself and to run around to the Public Mutual office to submit your switching form every time there is a great change in the KLCI. This is the job for your fund managers, that is why you are investing in the unit trust fund and not investing directly to the securities in the KLCI.

What does it mean to me as an investor when public mutual offers 1% free units

2007-02-27T17:05:00.000+08:00

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 units

Total 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 unit

So those who take this opportunities to invest will reap attractive capital gains on his "enlarged" unit holdings when there is a market upturn.

Panduan Mengkayakan diri anda

2007-02-27T12:55:00.000+08:00

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

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7 Formula Individu Cemerlang

Dr. Danial Zainal Abidin

Buku 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

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Ubat Hati

Ustazah 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

Three Big Events Coming Up!

2007-02-26T11:05:00.000+08:00

6th CAREER AND TRAINING FAIR 2007

Venue: Mid Valley Exhibition Centre
Date : 6th - 8th April 2007, Fri - Sun
Operating Hours : 10.00am - 8.00pm

Malaysia'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, Malaysia
Date : 9th May to 13th May 2007
Operating Hours : 10.00am - 7.00pm

MIHAS 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. Last year, MIHAS attracted 27,523 visitors to its 505 booths. Forty per cent of its visitors were from the trade sector representing 60 countries.It is expected that MIHAS 2007 showcase will see a 25 per cent increase in the number of visitors especially so when both events are held back to back and at the same venue.

---------------------------------------------------------

International Islamic Fair 2007
Venue : Putra World Trade Centre, PWTC, Kuala Lumpur
Date : 27th - 29th July 2007, Fri - Sun

It is organised by SABA Islamic Media, with IFFM as the event organiser, and Islamic Information & Services Foundation (IIS) as a co-organiser, with kind cooperation of other Malaysian NGOs and support from relevant government bodies. Given the potentially attractive line up of exhibitors representing a wide range of business activities from all over the Islamic world, the Fair promises to be an annual Islamic event of choice.

Wide ranging products, services and activities await visitors - from books, children edutainment products, clothing and decorative items to Islamic banking and insurance, franchising, talks, conference, symposium and even charity performances.

More Local offerings poised for launch this year

2007-02-13T12:05:00.001+08:00

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 funds

The reason why these foreign funds sold like hot cakes was the poor performance of the local equity market, MAAKL Mutual Bhd chief executive officer and executive director Wong Boon Choy said.

But today, the tables have turned. The KLCI is shooting its way towards the 1,200-level and analysts remain bullish about the market.

In fact for 2006, MAAKL’s local equity funds outperformed the offshore funds, Wong said.

“Take, for example, the one-year period ended December 29 2006: the average total return of the local Equity Growth category was 25.87 percent versus the Equity Asia Pacific Ex-Japan category’s average total return of 22.78 percent,” he noted.

Fund companies unanimously agree that more local unit trust funds will be introduced this year to build up foreign investment capacity, pointing out that most of the 30 per cent of the foreign capacity is used up.

“We intend to launch local funds as the demand is always there. This is in readiness to build up our fund size for future foreign fund launches,” OSK-OUB Unit Trust Management Bhd chief executive officer Ho Seng Yee said.

And build it will. Even as competition increases and margins start to get squeezed, mutual houses have set ambitious targets for their fund sizes.

OSK-UOB plans to increase its fund size to RM3.5 billion this year from RM2.4 billion; MAAKL intends to launch between four and five funds this year to boost its fund size to RM1.5 billion; while RHB Unit Trust Management is working towards a RM1 billion target.

Source: New Straits Time, 6 Feb. 2007

What do unit trust and a RM10 restaurant have in common?

2007-01-25T15:30:00.000+08:00

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 down will be balanced by the gain from other shares that went up.

So guys, it looks like varieties do make it tastier and safer for all.

Balancing Needs & Risks in Unit Trust Investment

2007-01-18T12:39:00.000+08:00

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 Here

technorati tags: unit trust investment balance fund

2007-01-16T13:16:00.000+08:00

Letter to a cousin......

Assalamualaikum,

I hope you are in great health. You mentioned that you are interested in investing in the unit trust for your children education fund.

You also mentioned that you do your savings at Lembaga Tabung Haji(LTH). I would like to suggest that you open two unit trust accounts. One for your children education fund, and another to maximized the return that you get from your LTH savings. Considering LTH did not give a high dividend, merely around 4.5%. The latest I heard, our inflation rate stand at 3.6% per year. With the dividend that you get from LTH you merely gain a value of 0.9% to your money.

So it is a waste if you keep a large amount of money in your LTH account. I suggest that you save only the amount that equal to your three months cost of living in LTH. This is your emergency fund or short term investment. The rest should be invested in a higher-yield investment. When you are ready to go for your Haj, you can transfer back the amount for your Haj back into the LTH savings. When you invest in the unit trust you can gain more than 10% a year. Below is a table to show you the difference of return that you can get when your initial investment is RM10,000 and additional investment is RM100 per month.

Year	Lembaga Tabung Haji	Unit Trust Fund
5	RM 19,186.00	RM 23,822.00
10	RM 30,633.00	RM 46,083.00
15	RM 44,898.00	RM 81,935.00
20	RM 62,674.00	RM 139,674.00

Going back to inflation, inflation also will increase the three years local university cost for your first born who is 3 years old from the current RM40,500 (local university fees including living cost) to RM 68,842.00 when he is 18 years old. For your second child who is 2 years old, it will be RM71,320.00.

Now days, it is hard to get any scholarship or education loan. In the future PTPTN may also be abolished as there are a lot of students who did not pay the loan after finishing their study. So it is important that you start a monthly saving for your children tertiary education. With a return rate of 10% a year you should put aside RM172 per month for your first born and RM 157.00 for your second child. As you can see here, the earlier you start the lesser amount that you have to set aside.

It is okay if you cannot afford to save the total of RM329 per month immediately, what is important is to start saving any amount that you can afford now. Who knows, you may get a big raise or receive an unexpected windfall in the future. Then you can top up your children fund investment.

So, good luck with your education fund savings and I hope all your dream and financial goals will be achieved.

technorati tags: unit trust investment education fund inflation personal financial planning

2007-01-10T17:02:00.000+08:00

Is Your Retirement Fund Enough?

Did you know? Most Employees Provident Fund (EPF) savings will be finished after 3 years of retirement. Below is a table showing an estimate amount of EPF savings.

Category of workers*	Total savings at 55 years (MYR)
A	224,400
B	374,112
C	488,474
D	503,446
E	604,135

A - Factory worker that starts contributing at the age of 18 with starting salary of RM600 a month.

B - Factory worker that starts contributing at the age of 18 with starting salary of RM1000 a month.

C - Graduate that starts contributing at the age of 23 with starting salary of RM1500 a month.

D - Graduate with Master Degree that starts contributing at the age of 25 with starting salary of RM2500 a month.

E - Professionals that starts contributing at the age of 25 with starting salary of RM3000 a month.

Assumption : Contribution rate- 23 percent; Dividend Rate- 5 percent; Salary raise rate- 3 percent a year; Member contribute until 55 years old; Account is fully withdrawn.

Source: Financing challenges facing social security schemes: The experience of the Employees Provident Fund of Malaysia, Rusma Ibrahim, ms. 9

For a male factory worker B, if his living cost is RM800 per month then when he is 55 years old it will be RM 3,414.47 a month because of the Malaysian 4% a year inflation rate. So if you have RM374,112 at the age of 55 years old (already retired) and invest all the money back to get return rate of 8% a year, the money will be spend totally by the age of 66 years old when your living cost is RM 3,414.47 a month . But according to statistic Malaysian man lifespan is 70.4 years. So you will have 4 more years without money. This illustrate that EPF money is not enough to support your live after retirement.

So, additional saving other than EPF is very important for your golden years. Like Malay old folks saying, "To make ready the umbrella before the rain start". If we save a lot consistently while we are still strong to work, we don't have to work during our retirement years. We can concentrate on doing what we love and for Muslim, have more time for prayer and amassing good deeds.

technorati tags: EPF retirement fund saving financial planning

The Four Distinct Phases of Financial Planning

2007-01-07T12:55:00.000+08:00

Phase One: The Foundation Years (Mid-20s to Mid-30s)

Many years of earning power ahead
Plans to buy a home and start a family
Willing to accept some fluctuations in investment, result in pursuit of long-term financials goals

Phase Two: The Acquisition Years (Mid-30s to Mid-40s)

Income still climbing
Establishes a tertiary education fund for children
Willing to accept some fluctuations in investment, result in pursuit of long-term financials goals

Phase Three: The Accumulation Years (Mid-40s to Mid-50s)

Family responsibilities are winding down
Begins to think of retirement
Seeks less vilatility in investment results by emphasising more income and capital preservation and less long-term growth

Phase Four: The Reaping-The-Reward Years (Mid-50s to Late Retirement)

Retired or about to retire
Years of earning high income may be over
Plans retirement activities; and assesses ability to set up trust funds for grandchildren
Seeks lower volatility in investment results

So where are you at right now?

technorati tags: Financial Planning Retirement Education Investment Saving

New Year Resolution!

2007-01-02T11:50:00.000+08:00

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, Kuala Lumpur; Bank Negara Malaysia branches in Penang, Johor Bahru, Kuala Terengganu, Kuching and Kota Kinabalu; MPH Bookstores and other selected book stores from today.

It only cost RM1.50.

technorati tags: Household Planning Financial Planning money management resolution

2006-12-27T17:48:00.000+08:00

Help the Flood Victims organized by News Strait Times

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 Fund (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 donors 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.

Tabung Bantuan Banjir organized by TV3 & Maybank

The worst flooding in a century has hit southern Malaysia, forcing thousands of people to abandon their homes. Destroying crops and belongings, cutting off transportation links, power lines, water supply and rail services. And in these time of need, flood relief stations have been opened to house the victims of these rain-lashed states; Johor, Negeri Sembilan, Malacca, Pahang, Terengganu and Kelantan.

Maybank2u.com continues with its humanitarian and charitable initiatives by offering the online channel for contributions to TV3's Tabung Bantuan Banjir.

This is the time to demonstrate your act of togetherness and open your heart to kindness. Let us all help fellow Malaysians - our neighbours, friends and families.

Send your donations via Maybank2u.com!

2006-12-21T17:16:00.000+08:00

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

Total Return =	S Dividend + (P₁ - P₀)
Total Return =	P₀
=	_{(RM0.10+RM0.10+RM0.10) + (RM1.20-RM1.00)}
	_RM1.00
=	_RM0.50
	_RM1.00

=	_0.5
=	_{50% over three years}

ASB is a fixed price unit trust that only gives return through dividend once a year. That is why ASB dividend declaration seems much bigger than other private unit trust funds. All the gains are put in the dividend declared. If you save RM10,000 in ASB in March, your money will still be RM10,000 in September. But investing in private unit trust, when the market is rising you will be able to gain a return, even though investment period is not one year yet. One of my customer who invest through his EPF since March 2006 has gain a return of 13.15%. He can sold part of his unit right now and still have his initial investment value of RM35,000. So, investors out there, use the formula above to calculate your return on a lump sump investment.

technorati tags: ASB Unit trust Investment Dividend Amanah Saham

Purifies Assets and Creates Virtues

2006-12-19T10:45:00.000+08:00

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 only the property of the contributor but also his heart from selfishness and greed. It also purifies the heart of the recipient from envy, jealousy, hatred and uneasiness and it fosters instead good-will and warm wishes for the contributors

Source:Website PPZ-MAIWP

Actually in giving zakat, your asset or wealth will not diminish at all. You will gain more in giving.

For more info on Zakat please visit here:

2006-12-18T14:56:00.000+08:00

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 knowledge about planning for their children's future"

Source: New Sunday Times (17 Dec. 2006) p.H16

technorati tags: education fund children financial planning

Why I Invest in Public Islamic Dividend Fund?

2006-12-14T14:50:00.000+08:00

"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 bullish

Public Islamic Dividend Fund(PIDF)was launched by Public Mutual in February 2006 to benefit from the Malaysian stockmarket’s current gross dividend yield of 4.2%, that is the highest gross dividend yield registered over the past 7 years. The local bourse’s dividend yield compares favourably to 12-month domestic fixed deposit rate of 3.7% and is higher than the dividend yield of most regional stock markets.

PIDF is a Syariah-based equity income fund which aims to provide income by investing in a portfolio of stocks that complies with Syariah requirements and which offer or have potential to offer attractive dividend yields.

With the equity exposures that generally range from 75% to 90% of its NAV, PIDF allows the investor the opportunity to participate in a diversified portfolio of Syariah approved blue chip stocks, growth stocks and fundamentally undervalued stocks that distribute or have the potential to distribute reasonably attractive dividends. The Fund may also invest in Islamic debt securities to generate additional return.

Currently, PIDF total return to date is 16.19%. Citigroup prediction of bullish market and estimation for the next year of more than 6% dividend by blue-chip stocks makes PIDF an attractive fund to buy.

Good to Know

2006-12-13T13:26:00.000+08:00

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.

WHY WOULD I WANT TO BE A UNIT TRUST CONSULTANT?

2006-12-12T13:31:00.000+08:00

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 environment. Along the way, we’ve won a string of fund management awards; from just 1999 through to 2004, we brought back 27 of those - including 10 in year 2004.

As at 31 March 2004. Source : The Edge-Lipper Fund Table, 10/05/2004

We’re majority-owned and formidably backed by the solid Public Bank Group.

We enjoy 28% market share of the burgeoning private unit trust sector.

But most importantly because we exist to serve our investors and consultants.

SO, WHAT’S IN IT FOR ME?

A lot! Your success as a Public Mutual unit trust consultant depends upon your desire to excel. The highest annual remuneration ever achieved by our unit trust consultants was RM 1, 542, 441!

The highest passive annual income (residually earned from prior sales while that active agent was busy elsewhere selling to new Public Mutual account holders!) paid out to a Public Mutual unit trust consultant was RM 67, 803.

Other neat perks include free holidays, peer recognition, free insurance coverage, and many more.

HOW CAN YOU HELP ME MAKE IT BIG?

We’ll support you with a suite of financial planning and sales tools, best-in-class training, and the greatest range of Malaysian unit trust investment products available under a single roof.

HOW DO I START?

If you are at least 21 years of age, possess a degree or at least SPM qualification and have strong business contacts, you have already met the basic requirements.

Please e-mail if you seriously crave to enhance your personal and professional life

Source: Public Mutual Website

technorati tags: Unit Trust Consultant Public Mutual Business Opportunity Vacancy Job

Numbers for Unit Trust Consultant

2006-12-11T10:56:00.000+08:00

0	Your likelihood of making a sale when you don't ask for sale
1	Your goal on the sales chart. To be No. 1
63%	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 rejection
80%	The part of success you achieve just by showing up, according to Woody Allen
100	The Average number of calls we need to make to obtain twenty bona fide leads which likely result to three sales.

Wanita perlu sedia membiayai persaraan

2006-12-07T13:12:00.000+08:00

Oleh RUSMA IBRAHIM

KEBANYAKAN 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 seterusnya sila lihat di Utusan Online

Risk vs Return

2006-12-04T17:39:00.000+08:00

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 mostly invested in diversified portfolio of blue-chip stocks, growth stocks and fundamentally undervalued stocks which earn significant dividend income. Moderate investors who prefer capital gain and income would benefit from this kind of unit trust.

Then there are the conservative to moderate risk-reward unit trust funds or another name for it is balanced unit trust fund. The composition of the asset classes may vary according to investor’s risk and return appetite. High risk investor may want to invest in a balanced product that has a higher component of equities, whereas a low risk investor may prefer a balanced allocation in both categories of asset or more bond and cash.

The final decision to invest in what categories of unit trust will depend on your risk profile, and time horizon that you have to achieve your goal. The more time you have the greater risk that you can take. But if your are the one who cannot stand the volatility of an aggressive fund price movement, stick to the conservative to moderate kind of unit trust fund. It is better for your peace of mind.

New Fund Launched!

2006-11-29T10:49:00.000+08:00

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!

Are You Risk Averse or Risk Seeking?

2006-11-27T13:38:00.000+08:00

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 $5,000

B) An 80% chance of winning $6,000 & a corresponding 20% chance of winning nothing.

C) A sure loss of $5,000

D) 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.

2006-11-21T14:31:00.000+08:00

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:

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:

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:

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.

Wake up call to investors!

2006-11-21T12:02:00.000+08:00

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 2007

For 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 is the biggest winner at The Edge-Lipper Malaysia Fund Awards 2006 and The Star/Standard & Poor's Investment Fund Awards Malaysia 2006, having won a total of 30 awards from both occasions. These victories also bring Public Mutual's medal tally to 75 awards since 1999.

For Details email: org1167@yahoo.com

2006-11-20T13:43:00.000+08:00

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

Inflasi Musuh yang tidak disedari!

2006-11-19T12:09:00.000+08:00

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 setiap bulan agar anak-anak kita dapat belajar hingga ke Universiti.

We're Hiring

2006-11-16T13:47:00.000+08:00

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 Benefits

Unlimited income
One of the best commission structures in the industry
Passive income and flexible working hours
Overseas trips, public recognitions and awards
Sales contests, incentives and campaigns
Professional sales and advanced IT tools support
Integrated training and coaching series
Be your own boss and lead your own sales agency opportunity
Incentives and subsidies for agency building
Fast 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 grew from a mere RM400 million to RM43.6 billion!1 That's a whopping 108 fold of growth. Meanwhile, for every RM1 the Malaysians have in private unit trust funds, the have about RM4.5 in fixed deposits.2 For you this translate into plenty of opportunities to tap into and earn potentially an unlimited income. The highest total renumeration ever earned in one year by a full time Public Mutual's Unit Trust Consultant was a huge sum of RM1.5 million!

Public Mutual's Profile

Public Mutual is Malaysia largest private unit trust company and have been serving Malaysians for more than 25 years now. The company manage over RM 4 billion in EPF funds under the EPF Members Investment Scheme (Source:EPF). Public Mutual currently enjoys the trust of more than 800,000 accountholders and manages 32 funds with over RM14.3 billion in net asset value (As at 29 September 2006; The Edge-Lipper, 9 October 2006)

To find out more, please e-mail: org1167@yahoo.com

Source: The Edge Lipper Fund Table, 14 November 2005
Source: Bank Negara, Monthly Statistical Bulletin - October 2005. The Edge Lipper Fund Table, 14 November 2005.

KARNIVAL HALAL NEGERI KELANTAN 2006

2006-11-15T16:46:00.000+08:00

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

2006-11-14T17:28:00.000+08:00

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.