Special Service Charge of 5% on All Equity Funds

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.

Anorther Fund open for EPF investor to invest!

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 !!!!!!

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

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

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!

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..:)

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

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/