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Wednesday, December 27, 2006

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 donor’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.


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!

Thursday, December 21, 2006

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)

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.

Tuesday, December 19, 2006

Purifies Assets and Creates Virtues

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:

Monday, December 18, 2006

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

Thursday, December 14, 2006

Why I Invest in Public Islamic Dividend Fund?

"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.

Wednesday, December 13, 2006

Good to Know


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.

Tuesday, December 12, 2006

WHY WOULD I WANT TO BE A UNIT TRUST CONSULTANT?

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

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Monday, December 11, 2006

Numbers for Unit Trust Consultant


0Your likelihood of making a sale when you don't ask for sale
1Your 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
100The Average number of calls we need to make to obtain twenty bona fide leads which likely result to three sales.

Thursday, December 7, 2006

Wanita perlu sedia membiayai persaraan

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


Fodors and Dummies and BookCloseOuts

Monday, December 4, 2006

Risk vs Return



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.



Happy Readers - Happy Shoppers

Wednesday, November 29, 2006

New Fund Launched!

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.



www.magazinesofamerica.com

Save on business & finance magazines!


Monday, November 27, 2006

Are You Risk Averse or Risk Seeking?

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.

Tuesday, November 21, 2006

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.

Wake up call to investors!

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

Monday, November 20, 2006

Why You Need To Turn Saving into Unit Trust Investment

PROS

  1. The perfect investment vehicle for regular saver
  2. Starting amount are not as small as for saving accounts but are reasonable
  3. Investment are easy to build up on a regular basis. Benefit derived from dollar cost averaging
  4. Unit trust gives a well-balanced investment portfolio that you do not need to manage yourself
  5. You can sell your units when the price is right at any time

CONS

  1. Affected by ups and downs of share market

Sunday, November 19, 2006

Inflasi Musuh yang tidak disedari!

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.

Thursday, November 16, 2006

We're Hiring

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
  1. Unlimited income
  2. One of the best commission structures in the industry
  3. Passive income and flexible working hours
  4. Overseas trips, public recognitions and awards
  5. Sales contests, incentives and campaigns
  6. Professional sales and advanced IT tools support
  7. Integrated training and coaching series
  8. Be your own boss and lead your own sales agency opportunity
  9. Incentives and subsidies for agency building
  10. 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

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

Wednesday, November 15, 2006

KARNIVAL HALAL NEGERI KELANTAN 2006

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.

Tuesday, November 14, 2006

Financial Expo 2006

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.

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