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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.



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