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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.



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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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