tag:blogger.com,1999:blog-32804820234196115932024-02-18T17:54:30.703-08:00NusaWorldFinancial planning is a must for Everybody..Contact Me at 016-2228504 to get more info how to invest wisely in Mutual Fund No 1 In Malaysia.. Enjoy Reading a free financial hot tips......nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.comBlogger380125tag:blogger.com,1999:blog-3280482023419611593.post-84835760654849422462012-12-31T01:36:00.002-08:002012-12-31T01:36:27.069-08:00Good consultant gives good service<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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When I buy something, I usually do it because I am happy with the service.
On the other hand, no matter how bad I want an item, if I am being treated
badly by the salesperson, I would just walk away.<br />
On my way to my appointment just now, I thought about the importance of good
services. And if it matters to me, it must matter to other people.<br />
I recently went for a training and one of the things I learned was to do the
“little things” for my clients better than everyone else.<br />
I had a long chat with a woman who is in her 40′s, this afternoon. She told
me she had given up on unit trust consultants. I don’t blame her. She was “neglected”
by one and her existing consultant, based on what she related to me, did not
provide her with a good service.<br />
My heart just went out to her when she told me about her experiences and the
kind of advice (or rather the lack of it) that she received. So, I sat down
with her and explained what unit trust investment is all about.<br />
Unit Trust is a LONG TERM investment, unless a consultant educate her
client, it will be very hard to maintain a long and trusting
relationship.<br />
Much to my surprise, the woman had never heard of the rule of 72, which is a
formula to calculate how long it takes to double an investment, the strategy
involved in unit trust investment as well as compounding interests.<br />
She openly told me that she invested in her current consultant because she
wanted to help her (the consultant). This woman who like most people, worked
really hard for her money said, apart from seeing her consultant’s face
on the newspaper, she hardly ever met her.<br />
“She travels all over the world (she must have qualified for overseas
trips due to good sales). However she didn’t have time for me,” she said.<br />
When investing in unit trust one of the most important things to look for is
the service. If your consultant is not giving you a good service, it is time to
dump him/her. A good consultant is one who educate his/her clients so that they
(the clients) are able to make an informed decision with regards to
investments.<br />
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-2225540196994753532012-12-31T01:35:00.000-08:002012-12-31T01:35:49.785-08:00Have an investment objective, invest and diversify<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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I caught up with my girl friend for brunch yesterday. She is
frantically looking for a nanny for her son as her baby sitter has decided to
start a business and leave baby-sitting career behind. I have always
enjoyed spending time with this friend. With her, I could talk about anything.<br />
Yesterday she asked me about investment. My friend believes in diversifying
her investment. Something that I completely agree with. She invests in stock
market, unit trust and put some money in the the fixed deposit.<br />
I took her by surprise when I asked her what her investment objectives are.
She paused and after a while said she has never thought about working with an
objective when it comes to investments.<br />
I usually tell my clients, just like everything else, they should only go
into something if they are clear about what they want. And, having an objective
works best with a time line.<br />
Some of my clients invest because they want a better retirement plan.
Younger clients have more time on their side while more mature clients have
more money on their side.<br />
Most of the people I met depend on the Employee Provident Fund for their
retirement. This is a great start. But, why put your eggs in one basket?<br />
Since its incepion in 1952, EPF have not been able to give its members
double digit return. So why not diversify your retirement plan? <br />
See below for the details of dividend declared by EPF:<br />
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-73975786067013822892012-12-31T01:34:00.001-08:002012-12-31T01:34:31.081-08:00Follow the right strategy<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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One of my close friends asked me about unit trust investment, the other day.
This friend of mine had invested around RM40,000 of her EPF money for over four
years. However she is unhappy with her return. When she told me her profit, I
was quite shocked at how little she made.<br />
So I explained to her that unit trust is a medium to long term investment.
And, like everything else it is vital that the investor follow the right
strategy when investing their EPF money into a unit trust fund. And it is the
consultant’s job to advise her on the strategy, as followed:<br />
1. Follow the <strong>journey</strong>: An investor needs to keep
his/her the money in the fund, between at least 3 to 5 years so that they
will be able to enjoy the profit. If an investor invest in less than 3 years
there is no guarantee that he/she will make profit.<br />
2. Have the <strong>discipline</strong>: In order to leverage on the dollar
and cost averaging it is crucial that an investor top up his/her EPF investment
into a unit trust fund in every 3 month. This means, the consultant should come
and see the investor 4 times a year (to get the investor’s thumbprint and
review his/her investment). Not lesser than that.<br />
3. Choose a consultant who are able to <strong>monitor</strong> the right
time to enter and exit (a particular fund). One that advises an investor on
what to do before taking the appropriate measure. The consultant should also
keep the investor informed on every move he/she made involving an investor’s
money.<br />
When it comes to investing in unit trust, it is important that the investor
understands and follow the strategy. And just as important is having a consultant
who educate his/her client so he/her can make an informed decision.<br />
At the end of the day, it is your money. So listen to your gut feelings. If
it doesn’t feel right, go back to your consultant and ask for clarification. Or
go to the respective unit trust company’s website. You can also call the
customer service hotline. For some consultants this may be just a job. Make
sure you look for one that is able to answer your queries and is
accessible.<br />
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 115%;">Unit trust is a middle to long term investment.
Having a trusting relationship with a consultant </span>nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-58031765779851650622012-12-31T01:33:00.001-08:002012-12-31T01:33:30.436-08:00FAQ Discount on service charge<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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I met up with a potential client recently and he asked me whether he could
get any discount on the service charge when he invests in a unit trust fund
with me.<br />
Service charge is fixed. And, as a consultant I am not able to provide my
clients with a discount. However, I introduced a recently launched fund to this
guy.<br />
The advantages of buying a new fund are:<br />
1. New funds’ price per unit is very low<br />
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-21898222667886056922012-12-31T01:32:00.001-08:002012-12-31T01:32:10.627-08:00How to make an informed investment decision<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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Just the other day, a client asked which fund she should invest in. So I
asked her a few questions to determine her risk profile. It turned out she is a
moderate investor.<br />
As a consultant I do not decide for my client. My job is to advise and
recommend solutions that cater to my clients’ needs.<br />
When I asked her what her investment objective is, she told me, “to make
money”. But when I asked how much money she wanted to make from her investment,
she said she didn’t know.<br />
I asked her, what if she were to double her investment, how much time was
she willing to take? And what was the return she was looking at?<br />
If you are a first time investor, you may want to think about your
investment objective. They could be retirement fund, to pay for the down
payment of a house, children’s education or acquiring a painting.<br />
Then think about your investment target i.e how much profit you would like
to make. For example, if you put in RM100,000 in one lump sum, you may want
your investment to grow to RM150,000 or even double to RM200,000.<br />
Another aspect is how long you are willing to wait to see the money grow or
double from RM100,000 to RM200,000.<br />
Use Law of 72 to determine how long it takes to double your investment.<br />
(Formula: 72/return)<br />
For example if you put RM100,000 into EPF which gives 5.8% (round it up to
6%) return last year, divide 72 by 12:<br />
72/6= 12<br />
This means it takes 12 years for your investment of RM100,000 to double to
RM200,000.<br />
However if you invest the RM100,000 into a fund which can give you a 12%
profit per year,<br />
72/12=6<br />
This means it takes 6 years for your investment to double its growth from
RM100,000 to RM200,000<br />
Unit trust is a medium to long term investment. So make sure your time frame
is no lesser than three years or you will risk losing your capital.<br />
It is also important for you to be aware of your risk appetite. If you are a
conservative investor you may want to go for a fund which is low risk yet
provide consistently low return. If you are a moderate investor, you should
invest in a fund which has medium risk and provides moderate return. As for
aggressive investor, you may want to consider a fund which has high risk and
give high return.<br />
There are many funds available in the market, choose one that suits your
needs. Make an informed decision and invest wisely.<br />
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-75250472244876522382012-12-31T01:31:00.000-08:002012-12-31T01:31:24.088-08:00“Is it a good time to invest?”<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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Someone asked me whether it is a good time to invest in unit trust funds given
the current market condition.<br />
First of all, the stock market is volatile, which means it will always go up
and down. I mean, has anyone seen a market that continues to stay up for many
years?<br />
Secondly when the market is down, it is a good time to buy.<br />
Unfortunately people have the tendency to panic. Once they see the market
going down, they sell their funds. And a lot of time they sell at a lost
because they sell at the wrong time i.e when they are making losses.<br />
Ideally the best time to buy is when the market is really down and sell when
the market is high up. But who can accurately tell when the market is at
its down low or at its all time high, before the situations take place?<br />
Unit trust investment is about buying <strong>units</strong> (hence the name
unit trust). When you buy at a lower price you get a lot more units (compared
to buying at a high price per unit). And if you sell when the market is up you
get a lot more profit.<br />
One way to invest around the volatility of the stock market is to practice
the “dollar cost averaging”.<br />
What it means is to top up your investment or in other words buy regularly.
The ideal situation is off course to buy every month. In EPF’s case, its
members are allowed to withdraw every three month to top up their investments.<br />
When the market is down and you have the financial resources, take advantage
ot it! Buy more units as you will get more for less. Look at it this way, when
the market is down the price per unit for most funds are low too. Think Mega
sale!<br />
And once you’ve reached your target, sell. And sell when the market is doing
well.<br />
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-21315850968547133562012-12-31T01:30:00.000-08:002012-12-31T01:30:14.337-08:00FAQ Private Retirement Scheme<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">FAQs on PRS<o:p></o:p></span></div>
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<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">1. What is a private retirement
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(PRS) is a voluntary long-term investment scheme designed to help
individuals accumulate savings for retirement. It complements the
mandatory contributions made to EPF.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Each PRS will include a range
of retirement funds that individuals may choose to invest in based on
their own retirement needs, goals and risk appetite. The fund options
under a PRS must be consistent with the objective of building savings for
retirement and ensure that there is a prudent spread of risk.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">2. What is the scope of private
pension reforms undertaken by the Securities Commission Malaysia?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The introduction of the private
retirement scheme framework resulted from recommendations made by the
Securities Commission Malaysia (SC) to the Government to accelerate
development of the private pension industry in Malaysia.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Private retirement schemes form
an integral feature of the private pension industry with the objective of
improving living standards for Malaysians at retirement through additional
savings of funds.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The PRS industry forms the
third pillar in a multi-pillar pension framework and will complement
Malaysia’s mandatory retirement savings schemes.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">3. What is the regulatory
framework governing PRS?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The <i>Capital Markets and
Services Act 2007</i> (CMSA), the <i>Capital Markets and Services (Private
Retirement Scheme Industry) Regulations 2012</i> (the PRS Regulations) and
the <i>Guidelines on Private Retirement Schemes</i> (PRS Guidelines) form
the regulatory framework for the PRS industry in Malaysia.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The 2011 amendments to the CMSA
setting out the regulatory and supervisory framework for the private
retirement scheme (PRS) industry came into force on 3 October 2011. Under
the new Part IIIA of the CMSA, the SC regulates the following key
participants in the PRS industry: <o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Private Retirement Scheme Administrator;<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Private Retirement Scheme Providers (PRS Provider);<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Private Retirement Schemes (PRS);<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Trustee to Private Retirement Schemes (Scheme
Trustee); and<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Trustee to Employer-Sponsored Retirement Schemes
(Employer Trustee).<o:p></o:p></span></li>
</ul>
</ul>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The PRS Regulations establish
the duties and responsibilities of a PRS Provider and Scheme Trustee, as
well as requirements on approval of the PRS Scheme, the
registration and lodgement of the trust deed and the disclosure
document as well as other provisions on the register of members and
meeting of members.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The PRS Guidelines are aimed at
providing a regulatory environment that would safeguard the interests of
contributors to PRS.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">4. What are the key components of
the PRS framework?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The PRS framework comprises
approved PRS Providers, each offering a range of fund options under a PRS,
where the assets are segregated and held by independent Scheme Trustees
under a trust.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The law also caters for the
establishment of a Private Pension Administrator which would be
responsible for the operationalisation of an efficient administrative
system for the PRS industry.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Underpinning the framework is a
strong regulatory and supervisory structure based on the SC’s regulatory
objectives of ensuring robust regulation and supervision of the PRS
industry, promoting trust and confidence in the PRS and protecting
interest of members.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">5. What are the features of the
framework to ensure a strong regulatory and supervisory structure? </span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">All relevant intermediaries in
the PRS industry, namely the PRS Provider, Private Pension Administrator,
Scheme Trustee and PRS distributors require approval of the SC to operate
and will be subject to on-going regulatory requirements and supervision.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The PRS will operate as a trust
structure with the Scheme Trustee ensuring the assets of the funds are
segregated from the PRS Provider. The funds under the PRS will be
professionally managed by the PRS Providers with the purpose of meeting
the retirement objective of members. Further, provisions on vesting of
contributions and rights to accrued benefits set out in the CMSA will
ensure that accrued benefits will be delivered to members to meet
retirement needs. (Accrued benefits in the CMSA mean the amount of a
member’s beneficial interest in a private retirement scheme).<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">A strong regulatory and
supervisory framework will ensure that interests of members are
safeguarded and protected, integrity of the PRS industry is upheld, risks
are appropriately monitored and stability of the system is maintained.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">In addition to the SC’s
supervision, investigation and enforcement powers, the SC also has the
power to issue directions over the intermediaries in the PRS industry. The
SC’s powers to issue directions include the ability to direct the
intermediary to comply with the law, guidelines, conditions or
restrictions, or take remedial action.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">6. What is the role of the Private
Pension Administrator (PPA)?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The PPA refers to a private
retirement scheme administrator as defined under section 139A of the CMSA.
The duties and responsibilities of the PPA under the law (Section 139H of
CMSA) include taking into account public interest considerations in acting
in the best interests of members and having regard to the need to protect
members.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The PPA would promote
efficiency and convenience to members through:<o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Facilitating and maintaining all PRS-related
transactions made by members;<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Facilitating portability between PRS providers; and<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Undertaking promotion and general education/awareness
on PRS.<o:p></o:p></span></li>
</ul>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">7. How do I (an individual) join
PRS?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">To make contributions to PRS,
just contact the PRS Provider of your choice and indicate your fund
selection. At the same time or prior to contributing, you may open a PPA
account by completing an account opening form that can be obtained from
any PRS Provider or from the website of the PPA once the Schemes are
offered to the public (www.ppa.my).<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.5in;">
<br /></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Proof of identification is required at account opening:
<o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Identification card / Police / Armed Force ID (for
Malaysians) or Passport (for foreigners).<o:p></o:p></span></li>
</ul>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Once the PPA account is opened,
you will receive your life-time account number and password.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The above account opening
procedures would differ for on-line transactions.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">8. How does an employer make a
voluntary contribution on behalf of its employees?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Where an employer seeks to
contribute to PRS on behalf of its employees, the employer may enter into
an arrangement with one or more PRS Providers of their choice. The amount
of contribution is determined by the employer while employees choose the
type of fund(s) under the Scheme offered by the relevant PRS Provider.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Where employees do not make a
fund selection, the employer contributions would be channelled to the
default option of the chosen PRS Provider.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Employer contributions may be
subject to a vesting schedule which means the entitlement may only be
vested to an employee’s account based on their terms of service.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">9. What should I consider when
choosing a PRS? </span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">When making your PRS
contribution, you need to take into account various factors such as your
age, personal and household income, risk tolerance, retirement objective
as well as the suitability of the different funds under the various
Schemes to meet your retirement needs as well as the fees and charges of
the funds.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">There are many different types
of investors:<o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Some may be looking for steady returns<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Some are happy to grow their retirement savings very
slowly<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Some are keen to chase higher returns<o:p></o:p></span></li>
</ul>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The approach may be different
if you are – single, young employee; double income young family,
mid-career or already near retirement. For example:<o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">if your retirement is remote you may consider
investing in some higher-risk instruments that can potentially generate
higher returns;<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">if your retirement is near, you may consider opting
for some relatively stable and conservative investments; or<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">if your retirement is some years away, you may
consider investing in a balanced investment portfolio consisting of bonds
and equities.<o:p></o:p></span></li>
</ul>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Our needs change through different
stages of our lives. You should review your PRS portfolio regularly
to ensure that it matches your retirement objectives.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">It is important to bear in mind
the cost of living and inflation in setting your retirement goal as well
as to think long-term; do not be overly concerned about short-term market
fluctuations.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">10. Where can I obtain information
when making a decision to contribute to PRS?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Potential members must receive
the following documents before contributing to any fund under the Scheme:<o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Product highlight sheet, which
provides a summary of the key information of the fund(s) under the Scheme
written in easily understood language; and<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Disclosure document, either in
electronic form or printed copy depending on the choice made by the
potential member, which will provide more comprehensive information on
the PRS. The objective is to enable the investor to make an informed
investment decision.<o:p></o:p></span></li>
</ul>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Contributors are advised to
read and understand the disclosure documents and not solely rely on
advertisements.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">11. When can I start contributing to
PRS?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The SC is in the final stages
of implementing the PRS framework. In line with the SC’s investor
protection mandate, a period of general education and awareness on PRS has
been allocated before approved PRS may be offered to the public. This is
to allow potential members to get advice on the need to save for
retirement and more information on the features of PRS.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">A list of approved PRS
Providers and their Schemes will be published on the website of the PPA.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">12. How do members keep track of
their PRS investments?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Members will be able to check
online via the PPA website or contact the relevant PRS Provider.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Members will receive statements
on a periodic basis from PRS Providers and a consolidated statement on
their investments from the PPA. This will include contributions held by
every PRS Provider.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">13. Can contributions be withdrawn
from PRS?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Withdrawals from PRS or from
any funds under PRS may be made in part or in full and under the following
circumstances:<o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">After the day the member reaches retirement age, which
is currently 55;<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Following the death of a member;<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Permanent departure of a member from Malaysia; or<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">For pre-retirement withdrawals.<o:p></o:p></span></li>
</ul>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">With respect to pre-retirement
withdrawals, members may only withdraw the amount in sub-account B from
each PRS Provider once a year. The first pre-retirement withdrawal can
only be requested by a member one year after making the first contribution
to any fund under the Scheme (whether the contribution is by an employer
or member). While pre-retirement withdrawal may be made for any reason, a
tax penalty of 8% on the withdrawal amount will be deducted by the PRS
Providers before the balance is credited to the member’s account.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Although lump sum withdrawals
are permitted, members are encouraged to retain their savings for
continuous investment under the respective Schemes.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">14. What happens when a member dies?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">When a member dies, their
savings will be paid to the executor, administrator or named beneficiary
(as the case may be). The Scheme Trustees will be required to release all
or part of the balance where required pursuant to a grant of probate or
letters of administration<o:p></o:p></span></li>
</ul>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-59612890887631334322012-12-31T01:29:00.000-08:002012-12-31T01:29:09.231-08:00Spending Behavior ...save moneyD<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_editdata.mso" rel="Edit-Time-Data"></link><!--[if !mso]>
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<![endif]-->
o you complain about not having enough money ? Do you fear opening your
mails and receiving phone calls from unknown numbers ? Do you feel suffocated
with monthly expenses from family, house, car, cats, utility bills, food and
more ? Most will try to restructure their debts only to fail simply because
they didn’t recognize the primary cause of the problem – Lifestyle.<br />
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<br />
<br />
No matter how hard you try to change or manage your debts, if you can’t
change your lifestyle, nothing will work. And did you know that to change a
lifestyle means that you will have to change your habits? And habit is the
hardest thing to change especially when it involve loved ones.<br />
Now what happens if the same pattern continues over time – fixed salary
versus rising expenses ? Yes, savings will be sacrificed and eventually
depleted. This is an alarming lifestyle and many suffer in silence.<br />
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<br />
So how are you going to manage your debts without changing your lifestyle ?
The answer is simple – take charge of your life and start filling up your
pockets. And the beauty of this whole thing is this – you can maintain your
lifestyle and still have a more money left at the end of the month. This is
what we called “Poket Kaya”.<br />
“Minda Poket Kaya” is not a debt-restructuring programme. It is a programme
to help you realize the true potential in you and help you understand the
opportunity that lies out there for you to make more money and hopefully have
an even better lifestyle.<br />
Money is not everything but everything these days needs money. More money
also helps put more smiles around you, making life easier and happier. Your
life will be more organized and you are en route to achieve your dreams.<br />
Be amongst like-minded friends and tap your inner potential. The energy is
contagious and you will benefit from this programme. Don’t miss out on this
opportunity !<br />
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nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-38543883028273431772012-12-31T01:28:00.000-08:002012-12-31T01:28:13.267-08:00RISK OF INVESTING IN UNIT TRUSTS<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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All investments carry some form of risk. It is important to note that when
you invest you should be prepared to accept a degree of risk, as most
investments are affected by ever changing market conditions, some of which
impact positively and some negatively. Therefore, no matter how experienced an
investment manager may be, certain factors, which will affect the value of
investments, may be beyond their control. So, the value of your investments may
go down as well as up. One should consider the following when investing in a unit
trust fund: -<br />
<strong>Stock or Bond Market Risk</strong><br />
For a unit trust that has stocks or bonds in its portfolio, fluctuations in the
market performance due to factors such as fluctuation in interest rates,
changes in economic climate, political and social environment that will affect
the stock or bond market as a whole, will also affect the value of investment
either in a positive or negative way. <br />
<strong>Individual Stock Risk</strong><br />
The performance of a fund that invests in stocks is affected by every
individual stock that the said fund has invested in. The volatility of prices
in each stock will affect the fund's value daily.<br />
<strong>Compliance Risk</strong><br />
This is the risk that the manager and others associated with the scheme will
not follow the rules set out in the scheme’s constitution and internal
policies, or the law that governs the scheme, or will act fraudulently or
dishonestly. However, this risk is greatly reduced via stringent internal
controls and constant cross-departmental checking employed by the manager. In
addition, a yearly or any unscheduled internal audit exercise will be conducted
to check any compliance matters that might have been inadvertently overlooked
by compliance department. The presence of the trustee whose duty is to ensure
that the fund's investment mandate is complied with will further add to the
reduction of such risks.<br />
<strong>Inflation Risk</strong><br />
Ideally the purpose of any investment is to secure returns that are greater
than the inflation rate. While a fund will constantly seek to maximise returns
and exceed inflation rate, it may occasionally experience losses, which result
in returns that will not keep pace with inflation in the short run.<br />
<strong>Liquidity Risk</strong><br />
The various securities that are purchased by a fund may encounter liquidity
risk. Liquidity risk relates to the fund's ability to quickly and easily trade,
at a reasonable price, in and out of positions. Should a fund comprise a
security that has become temporarily or permanently illiquid or difficult to
sell, the investment manager may need to sell the security at a discount to its
fair value, which eventually affects the fund's value.<br />
<strong>Management Risk</strong><br />
Performance of the fund depends on the experience, expertise, knowledge and
investment techniques of the investment manager. Poor management of a fund can
cause considerable losses to the fund, which in turn may affect the capital
invested.<br />
<strong>Institutional Risk</strong><br />
The risk that the institution, which operates the fund, will collapse.<br />
<strong>Returns Not Guaranteed</strong><br />
As a result of market risks, the manager is unable to guarantee the
distribution payout to unit holders or the investment returns of the fund.
However, the manager will take reasonable steps to ensure that this risk is
minimized through a prudent investment approach, which is centred on fundamental
stocks and market analysis.<br />
<strong>Loan Financing Risk</strong><br />
Investors who take end-financing loans to purchase units in a unit trust fund
must be prepared to accept gearing risks as the prices of the units can go down
as well as up. The investor may be required to top up the difference in the
event the unit price goes below the margin of advance. <br />
<strong>Interest Rate Risk</strong><br />
Fixed income securities and bonds are particularly sensitive to movements in
interest rates. When interest rates rise, the value of fixed income securities
and bond prices fall and vice versa, thus affecting the NAV of the fund. The
general interest rate of the country may affect the value of the investment
even if the fund (e.g. Syariah fund) does not invest in interest bearing
instruments.<br />
<strong>Credit/Default Risk</strong><br />
Credit risk refers to the possibility that the issuer of a fixed income
security or bond may not be able to make interest payments or repay the
principal in a timely manner. This will translate to losses that will reduce
the value of a fund.<br clear="all" />
<br />
<strong>Currency Risk</strong><br />
Currency risk is also known as foreign exchange risk. It is risk associated
with investments that are denominated in foreign currencies. When the foreign
currencies fluctuate in an unfavorable movement against Ringgit Malaysia, the
investments will face currency losses in addition to the capital gains/losses.
This will lead to a lower NAV of the fund.<br />
<strong>Country Risk</strong><br />
The foreign investments of the fund may be affected by risks specific to the
country, which it invests in. Such risks include changes in a country economic
fundamentals, social and political stability, currency movements and foreign
policies etc. These may have an adverse impact on the prices of securities of
listed companies.<br />
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-3072624062222366312012-12-31T01:27:00.001-08:002012-12-31T01:27:14.558-08:00Benefits of Unit Trusts Investing <link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_editdata.mso" rel="Edit-Time-Data"></link><!--[if !mso]>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">For an individual to maintain his
own portfolio of investments, he needs to keep up to date with market
information and sentiments. In today's sophisticated financial markets, this
means having to embrace a wide range of information from a plethora of
sources. For many individual investors, this is difficult, if not impossible
and at times, very frustrating as they attempt to " keep on top "
of the information pile.<br />
<br />
Investing in unit trusts transfers most of the necessary 'know-how' of
investing to those best equipped to handle it - the professional fund
managers.There are a number of other substantial benefits of investing in
unit trusts that should be noted.<o:p></o:p></span></div>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Affordability</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Unit trusts are very affordable.
Investors can start with an investment amount as low as RM100.<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Diversification</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Rather than concentrating an
investment portfolio of one or two investments or shares, a portfolio of
market securities can be held. The wider the spread of investments, the less
volatile (i.e. variable) the investment returns will be. In simple terms,
investment into unit trusts means diversification of risk: "not putting
all your eggs in one basket."<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<br /></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Liquidity</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Most investors prefer their
investment to be liquid. That is, they can easily buy and sell without
difficulties. Unit trusts provide this benefit, easily bought and sold. An
excellent return that cannot be "cashed-in" (i.e. sold) does not
necessarily mean a good investment as poor liquidity constitutes an
additional risk factor for the investor.<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<br /></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Professional Fund Management</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The people entrusted to manage
unit trusts are approved professionals. Their training and background ensures
that decision making is structured and according to sound investment
principles. In the process, unit trust funds enjoy the depth of knowledge and
experience that fund manager can bring. In the long term, it is this
expertise that should generate above average investment returns for unit
trust investors.<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<br /></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Investment Exposure</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">For the individual investor, it is
sometimes difficult to gain exposure to a particular asset class. For
instance, if an investor with RM5,000 wants to gain exposure to the Malaysian
property market, global equity markets and the Malaysian bond market, it
would be impossible to simultaneously hold a direct investment portfolio in
all of these markets. With unit trust investments, it is possible to spread
your money around to all of these asset classes at the same time, so that the
investor can gain the investment exposure he requires.<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<br /></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Wholesale Investment Costs &
Access to Other Asset Classes</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">When making direct investments in
the Bursa malaysia, the investor faces costs and charges that are much
higher. With unit trust the economics of the transaction are more favorable
i.e. the fees and charges/brokerage etc. per investment ringgit are likely to
be less. Because fund managers invest in larger amounts, they are able to get
access to wholesale yields and products which are impossible for the
individual investor to obtain. For instance, unlike unit trust funds, most
individual investors cannot have direct access to the Malaysian Government
Security market because, amongst other reasons, the amount of each
transaction could run into millions of Ringgit.<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<br /></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The Comfort of Regulation</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="padding: 3pt;" valign="top">
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">With the introduction of unit
trusts in Malaysia came regulation from various regulators, especially the
Securities Commission. The entire range of variables relating to the unit
trust industry is governed by various legislations.The sole purpose of such regulations
is to protect the interest of the investing public.<br />
<br />
Regulations provide investors with a level of comfort that they are investing
in a safe investment mechanism.<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Source from FIMM</div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-79949478781890512032012-12-31T01:26:00.000-08:002012-12-31T01:26:08.142-08:00How do you measure profit?<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link><!--[if gte mso 9]><xml>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">A unit trust fund will make money
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<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">by earning dividends (from stocks) or interest (from
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price and bond maturities. <o:p></o:p></span></li>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The fund may distribute or pay out
its profits to you and its other investors according to the fund’s declared
distribution policy. Some funds’ policy is to pay out earnings yearly, some
will pay out half-yearly. Some funds specify that it does not intend to pay out
the profits but let the gains accumulate in the NAV.<o:p></o:p></span></div>
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more units. Following an income distribution, the NAV of the fund
decreases.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">by way of <span style="color: blue;">unit splits</span>.
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">As a unit trust investor, you have
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higher than the amount of your Initial Investment.<o:p></o:p></span></div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-12176871205348445602012-12-31T01:25:00.001-08:002012-12-31T01:25:26.393-08:00Equity / Growth funds<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_editdata.mso" rel="Edit-Time-Data"></link><!--[if !mso]>
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<b><span style="color: #339900; font-family: "Times New Roman","serif"; font-size: 18pt;">For the more aggressive investor.</span></b><b><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 18pt;"> </span></b><!--[if gte vml 1]><v:shapetype
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The objective of equity funds, also
called growth funds is to provide capital appreciation over the medium to long
term. In our local (Malaysian) context, funds of this category generally
invest up to 90% - 95% of its Net Asset Value into stocks and shares of
companies listed or unlisted in the KL Stock Exchange or otherwise known as
Bursa Malaysia. There are currently more than 900 stocks listed in Bursa
Malaysia. <br />
<br />
This category of funds will usually have at least 5% in cash or cash-related
assets to meet redemption requirements. (Redemption means cashing-out by an
investor). Growth schemes are ideal for investors who have a long term outlook
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">In Malaysia, <i>Growth Funds</i> has
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i. Blue-Chip Growth Funds,<br />
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Growth Funds are suitable for the
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potentially higher capital gains reward. This type of fund can be very volatile
due to the high exposure of its' assets in stocks and shares trading.<o:p></o:p></span></div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-67631696141802274082012-12-31T01:23:00.000-08:002012-12-31T01:23:12.063-08:00What is unit trust?<link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CUsers%5CSe7en%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_editdata.mso" rel="Edit-Time-Data"></link><!--[if !mso]>
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<b><span style="color: #339900; font-family: "Times New Roman","serif"; font-size: 18pt;">Unit Trust</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> is a collective investment scheme that pools </span><!--[if gte vml 1]><v:shapetype
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the savings of a large number of investors. The money collected is invested by
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Each Fund has a defined investment objective and strategy.<o:p></o:p></span></div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-53217830502043751032012-11-28T07:42:00.000-08:002012-11-28T07:42:03.704-08:00Anda Yang Mana?Hari ni saya nak share one story yang
dihantar oleh business associate saya melalui email, which I find very
interesting. If you have read or heard of this story before, I recommend
you read it again. This is one of the stories that I would read
whenever I feel down and it helps to block the negative voices in my
head.
<div style="text-align: justify;">
Lets take a minute to reflect on the
people who mean something to us; those who have touched our life and
inspired us in one way or another; those who make us smile when we
really need it; those who make us see the brighter side of things when
we are really down; those whose friendships we appreciate.</div>
<div style="text-align: justify;">
This story inspires me, so I hope it
does for all of you too.</div>
Enjoy!<br />
<strong>Carrots, Eggs And A Cup Of Coffee</strong><br />
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>A
young woman went to her mother and told her about her life and how
things were so hard for her. She did not know how she was going to make
it and wanted to give up. She was tired of fighting and struggling. It
seemed as one problem was solved, a new one arose.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>Her
mother took her to the kitchen. She filled three pots with water and
placed each on a fire. Soon the pots came to boil. In the first she
placed carrots, in the second she placed the eggs and in the last she
placed ground coffee beans. She let them sit and boil; without saying a
word.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>In
about twenty minutes, she turned off the burners. She finished the
carrots out and placed them in a bowl. She pulled the eggs out and
placed them in a bowl. Then she ladled the coffee out and placed them in
a bowl.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>Turning
to her daughter, she asked, “Tell me what you see.”</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>“Carrots,
eggs and coffee,” she replied.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>Her
mother brought her closer and asked her to feel the carrots. She did
and noted that they were soft. The mother then asked her to take an egg
and break it. After pulling off the shell, she observed the hard-boiled
egg. Finally, the mother asked her daughter to sip the coffee. The
daughter smiled as she tasted its rich aroma. </cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>The
daughter then asked, “What does all this mean, mother?”</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>Her
mother explained that each of these objects had faced the same
adversity: <strong>boiling water</strong>. But <strong>each reacted
differently</strong>.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>The
carrot went in strong, hard and unrelenting. However, after being
subjected to the boiling water, it softened and became weak.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>The
egg had been fragile. Its thin outer shell had protected its liquid
interior, but after sitting through the boiling water, its inside became
hardened.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>The
ground coffee beans were unique, however. After being boiled, they had
changed the water.</cite></span></div>
<div style="text-align: justify;">
<span style="font-size: x-small;"><cite>“Which
one are you?” she asked her daughter. “When adversity knocks on your
door, how do you respond? Are you a carrot, an egg or a coffee bean?”</cite></span></div>
So, it’s time to ask yourself. <em><strong>Which am I?</strong></em>
Am I the <strong>carrot</strong> that seems strong, but with pain and
adversity, do I wilt and become soft and lose my strength?<br />
<div style="text-align: justify;">
Am I the <strong>egg</strong> that
starts with a malleable heart, but changes with the heat? Did I have a
fluid spirit, but after a death, a break-up, a financial hardship or
some other trial, have I become hardened and stiff? Does my shell look
the same, but on the inside am I bitter and tough with a stiff spirit
and hardened heart?</div>
<div style="text-align: justify;">
Or am I like the <strong>coffee bean</strong>?
The bean actually changes the hot water, the very circumstance that
brings the pain. When the water gets hot, it releases the fragrance and
flavour of the coffee bean. If you are like the bean, when things are at
their worst, you get better and change the situation around you. When
the hour is the darkest and trials are their greatest do you elevate
yourself to another level? How do you handle adversity? Are you a
carrot, an egg or a coffee bean?</div>
<div style="text-align: justify;">
May you have enough happiness to make
you sweet, enough trials to make you strong, enough sorrow to keep you
human, and enough hope to make you happy.</div>
<div style="text-align: justify;">
<span style="color: #ff6600;"><strong>The
happiest of people don’t necessarily have the best of everything; they
just make the most of everything that comes along their way.</strong></span>
The brightest future will always be based on forgotten past; you can’t
go forward in life until you let go of your past failures and
heartaches.</div>
<div style="text-align: justify;">
When you were born, you were crying and
everyone around you was smiling. Live your life so at the end, you are
the one who is smiling and everyone around you is crying.</div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-47218281863798068172012-11-28T07:40:00.001-08:002012-11-28T07:40:48.458-08:007 Steps To A Great AttitudeAlhamdulillah, I just finished reading a
very interesting book titled, <em>Get Fired Up Without Burning Up by
Carol Grace Anderson</em>. Actually buku ni saya beli back in 2002. Dah
baca dah pun sebelum ni and I think this is my third time reading it. So
this time saya nak share 7 langkah untuk mendapat attitude yang hebat
supaya kita menjadi seorang yang sentiasa berfikiran positif.
<div style="text-align: justify;">
1.Bergaul dengan orang positif</div>
<div style="text-align: justify;">
Kita kena berjumpa dan bergaul dengan
orang orang yang positif dan bertenaga. We need to build our network of
friends where we are surrounded by good, enthusiastic, determined and
positive people. Jika kita dikelilingi oleh persekitaran yang positif,
secara tak langsung, kita juga akan menjadi positif because a great
attitude is contagious.</div>
<div style="text-align: justify;">
2. Membaca buku yang memberi inspirasi</div>
<div style="text-align: justify;">
Kita semua tau reading is powerful. Apa
yang kita baca akan mempengaruhi minda kita. Manakala minda pula akan
mempengaruhi tingkah laku kita. So, filling up on wonderful books is
great nourishment for the attitude.</div>
<div align="center" style="text-align: center;">
<span style="color: navy;">“Lalu terjumpa satu formula kejayaan di mana lebih banyak
buku yang saya baca, maka saya bertambah kaya” </span></div>
<div align="center" style="text-align: center;">
<span style="color: navy;">- Azizi Ali</span></div>
<div style="text-align: justify;">
Teringat saya pada kisah mentor Jutawan
Dr Irfan Khairi. Semasa beliau belajar di United Kingdom, beliau sanggup
bekerja sebagai tukang cuci di sebuah pasaraya dan tandas selama 2
tahun semata mata untuk mengumpul wang bagi membeli buku-buku berkenaan
internet dan juga buku-buku motivasi. Lihatlah beliau sekarang,
kesemuanya telah memberi pulangan berlipat ganda.</div>
<div style="text-align: justify;">
3. Mendengar tape/CD motivasi</div>
<div style="text-align: justify;">
Apabila kita mendengar mesej mesej
positif dan berinspirasi yang disampaikan dalam motivational tapes/CDs
secara berulang ulang, secara tak langsung kita akan menjadi lebih
positif because it overpowers so much negative we are all exposed to.
Repitition makes a difference!</div>
<div style="text-align: justify;">
4. Mendengar muzik yang boleh memberi
semangat dan inspirasi</div>
<div style="text-align: justify;">
Sama seperti mendengar tape/CD motivasi,
mendengar inspiring music juga boleh memberi kesan positif kepada minda
kita secara tidak langsung. Muzik sebenarnya adalah salah satu
instrumen yang boleh memberi kesan kepada perasaan kita. Dengan muzik
kita boleh merasa sedih, gembira, romantik dan sebagainya because music
is the magic of the soul.</div>
<div style="text-align: justify;">
Kalau tak percaya, cuba tanya those yang
pernah study kat oversea dulu yang tak dapat pulang beraya di Malaysia.
Pagi pagi raya tu bila dengar lagu arwah Sudirman “Dendang Perantau”,
perghhh! Mesti tangkap leleh.. <img alt=":-D" class="wp-smiley" src="http://emeldahanimunittrust.com/wp-includes/images/smilies/icon_biggrin.gif" /> </div>
<div style="text-align: justify;">
So, filling our lives with inspiring
music is a powerful way to get a great attitude.</div>
<div style="text-align: justify;">
5. STP – Self talk power</div>
<div style="text-align: justify;">
Positive Self-talk adalah percakapan
kita kepada diri kita sendiri menggunakan dialog dialog yang optimistic
and uplifting yang boleh menaikkan semangat. Apabila kita bercakap
dengan diri kita sendiri secara positif, secara tak langsung we will be
more likely to do something favorable in our life as our brain will be
programmed to do positive things!</div>
<div style="text-align: justify;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/stp.jpg"><img alt="" class="aligncenter size-full wp-image-578" height="167" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/stp.jpg" title="stp" width="521" /></a></div>
<div style="text-align: justify;">
6. Act “as if”</div>
<div style="text-align: justify;">
Penulis buku ni kata kita kena act “as
if” kita ada attitude yang hebat kerana lama kelamaan act kita tu akan
jadi habit dan genuinely kekal bersama kita. <img alt=":-D" class="wp-smiley" src="http://emeldahanimunittrust.com/wp-includes/images/smilies/icon_biggrin.gif" /> </div>
<div style="text-align: justify;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/a-positive-person1.jpg"><img alt="" class="aligncenter size-full wp-image-580" height="333" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/a-positive-person1.jpg" title="a-positive-person" width="500" /></a></div>
<div style="text-align: justify;">
7. List everything going right</div>
<div style="text-align: justify;">
Penulis mencadangkan agar kita list down
all the good stuff yang berlaku pada kita. Apabila kita fokus kepada
just the good stuff, secara tak langsung kita akan melatih minda kita
untuk fokus kepada perkara perkara yang positif sahaja.</div>
<div style="text-align: justify;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/positive1.jpg"><img alt="" class="aligncenter size-full wp-image-574" height="400" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/positive1.jpg" title="think, do, be
positive" width="588" /></a></div>
<div style="text-align: justify;">
Sebenarnya tak susah untuk menjadi
positif. Insyaallah kalau kita amalkan, kita boleh jadi orang yang
sangat hebat. Walau macam mana pun, getting and keeping a good attitude
ni macam kita lepas pantang dan nak kurus la. Kita tak boleh expect to
be healthy and back to pre-beranak punya figure dengan hanya jogging
sekali. It has to become part of our routine and makan pun kena la
contol. Sama lah juga untuk dapatkan great attitude ni.</div>
<div style="text-align: justify;">
One step at a time brings great results.
Keeping at it is the key.</div>
<div style="text-align: justify;">
Semoga kita semua berjaya, InsyaAllah!</div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-24989737671329934292012-11-28T07:39:00.000-08:002012-11-28T07:39:12.298-08:00Compound Interest – Senjata Jutawanassalamualaikum dan salam ceria buat
pembaca yang dihormati,
<div style="text-align: justify;">
Kali ini saya ingin berkongsi sebuah
artikel yang ditulis oleh Jutawan Internet kita, Dr Irfan Khairi pada
suatu ketika dahulu. Dalam artikel ini, beliau menulis mengenai
kehebatan <em>compounding interest</em> apabila kita menyimpan di mana
beliau merujuk <em>compounding interest</em> sebagai alat yang paling
utama dalam memberi kekayaan kepada orang-orang kaya di dunia.</div>
<div style="text-align: justify;">
Malahan, Albert Enstein juga pernah
mengatakan <em>compounding interest</em> adalah <em>the eighth wonder of
the world</em> atau keajaiban kelapan dunia. Jadi, apakah yang
dimaksudkan dengan istilah <em>compounding interest</em> ini? Secara
ringkasnya, ia adalah nilai terkumpul yang akan diperolehi untuk tempoh
tertentu dengan kadar faedah yang tertentu. Sebagai contoh, jika anda
menyimpan wang di bank sebanyak RM100,000 dengan kadar faedah 3.5%
setahun, berapakah nilai terkumpul yang akan anda perolehi selepas 10
tahun atau 20 tahun kemudian.</div>
<div style="text-align: justify;">
Kunci utama kepada <em>compounding
interest </em>ialah dengan memulakan penyimpanan atau tabungan seawal
mungkin, walaupun dalam jumlah yang sedikit tetapi haruslah secara
konsisten dan memilih tempat yang memberikan pulangan yang tinggi untuk
menyerlahkan lagi kehebatan <em>compound interest</em> ini. Dr Irfan
Khairi turut menyentuh mengenai simpanan di mutual fund ataupun unit
trust sebagai contoh medium simpanan yang memberikan pulangan 12%
setahun secara purata.</div>
<div style="text-align: justify;">
Saya harap anda semua teruskan membaca
artikel beliau di bawah ini dan semoga ianya dapat membuka minda kita
semua tentang kuasa <em>compound interest</em>, seterusnya dapat
mempraktikkannya di dalam kehidupan kita. Saya berdoa agar kita semua
menjadi hambaNya yang bukan sahaja hebat dan berharta, tetapi pemurah
kepada saudara-saudara kita yang lain.</div>
<div style="text-align: justify;">
Selamat membaca dan selamat beramal!</div>
<div style="text-align: justify;">
P.S. Jika anda ingin mendapatkan
maklumat lanjut bagaimana anda boleh memulakan <strong>pelaburan unit
amanah</strong> melalui <strong>pelaburan secara tunai</strong> ataupun
melalui <strong>Skim Pelaburan Ahli KWSP</strong>, anda boleh
menghubungi saya di talian <strong>013 351 0301 </strong>atau email
kepada <strong>emeldemarcos@yahoo.com. </strong>Saya sedia membantu anda
mencapai objektif kewangan anda, Insya Allah.</div>
<div style="text-align: justify;">
<span style="color: grey;"><strong>Compound
Interest<em> – Senjata Jutawan</em></strong></span></div>
<div style="text-align: justify;">
<span style="color: grey;">Sumber
: Newsletter Jutawan Internet Irfan Khairi</span><br />
<em> </em></div>
<div style="text-align: justify;">
<span style="color: grey;">Sering
saya ditanya <strong>“Apakah rahsia untuk menjadi kaya?”</strong>.
Apakah perkara yang boleh kita lakukan untuk memastikan kita menjadi
jutawan?</span></div>
<div style="text-align: justify;">
<span style="color: grey;">Jawapannya
amat mudah- infact, ianya bukan lagi rahsia oleh kerana di dalam apa
jua buku kewangan peribadi di dunia, sudah pasti terdapat satu bab
menceritakan cara ini. Cara yang 100% sekiranya digunakan akan
menjadikan kita jutawan. Ya, anda juga boleh menjadi jutawan sekiranya
mengikut cara ini<strong>.</strong> Tidak kira latar belakang pendidikan
kita, tidak kira tahap intelegent kita, tidak kira apa kepakaran kita,
terdapat satu cara yang akan memastikan seseorang itu menjadi jutawan.
Namun, tidak ramai yang benar-benar mengambil kesempatan ini!</span></div>
<div style="text-align: justify;">
<span style="color: grey;"><img alt="" src="http://www.lamanunitamanah.com/wp-includes/js/tinymce/plugins/wordpress/img/trans.gif" title="More..." />Caranya bukanlah cara cepat kaya, tetapi <strong>cara pasti kaya</strong>.
Hendak tahu apakah caranya? Izinkan saya jelaskan dengan satu gambaran…</span></div>
<blockquote>
<div style="text-align: justify;">
<span style="color: #333399;"><a href="http://emeldahanimunittrust.com/wp-content/uploads/2011/09/menabung1.jpg"><img alt="" class="alignright size-full wp-image-344" height="258" src="http://emeldahanimunittrust.com/wp-content/uploads/2011/09/menabung1.jpg" title="menabung1" width="200" /></a>Bayangkan seorang bayi apabila
dilahirkan, pada setiap hari, ibunya meletakkan RM 1 ke dalam tabung
untuk bayi tersebut. Sehari satu ringgit. Sebulan jumlahnya menjadi RM
30. Setahun, jumlahnya menjadi RM 365. Teruskan simpanan ke dalam tabung
bayi tersebut dan ketika bayi itu berumur 40 tahun, jumlah yang
terkandung di dalam tabung tersebut adalah RM 14,600.</span></div>
<div style="text-align: justify;">
<span style="color: #333399;">Wang
yang disimpan tidak berkembang. Mungkin tabung yang digunakan perlu
upgrade menjadi tabung yang lebih besar. Tetapi, let’s face it… RM
14,600 dari simpanan selama 40 tahun bukanlah jumlah yang besar.</span></div>
<div style="text-align: justify;">
<span style="color: #333399;">Sekarang,
bayangkan sekiranya wang tersebut di simpan di dalam unit simpanan yang
memberi pulangan interest sebanyak 12% setahun dan RM 1 di simpan
setiap hari sejak dilahirkan. <strong>Wang yang sepatutnya hanya RM
14,600 kini menjadi RM 352,943.18 selepas 40 tahun.</strong></span></div>
<div style="text-align: justify;">
<span style="color: #333399;">RM
352,943.18 ??? Dari mana datangnya lagi RM338,343?</span></div>
</blockquote>
<div style="text-align: justify;">
<span style="color: grey;">Ini
adalah jawapan kepada soalan bagaimana hendak menjadi kaya dengan
pasti. Penambahan RM 338,343 tersebut datangnya dari <strong>kuasa
faedah terkumpul atau <em>compound interest</em>.</strong></span></div>
<div style="text-align: center;">
<span style="color: grey;"><em><a href="http://emeldahanimunittrust.com/wp-content/uploads/2011/09/albert_einstein.png"><img alt="" class="aligncenter size-medium wp-image-346" height="182" src="http://emeldahanimunittrust.com/wp-content/uploads/2011/09/albert_einstein-300x182.png" title="albert_einstein" width="300" /></a><span style="color: #993300;">Compound interest</span></em><span style="color: #993300;">
adalah alat yang paling utama yang memberi kekayaan kepada orang-orang
kaya di dunia. Elbert Einstein pernah di tanya mengenai <em>compound
interest</em>. Jawapan yang diberikan olehnya amat mudah. Katanya,
compound interest adalah <strong><em>“the greatest invention of all
time”</em></strong>.</span></span></div>
<div style="text-align: justify;">
<span style="color: grey;">Sememangnya
contoh saya mengenai bayi di atas agak tidak lojik. Takkan pula seorang
ibu boleh memasukkan RM1 setiap hari sehingga umur bayi tersebut 40
tahun. Tetapi, contoh saya tersebut adalah untuk menunjukkan bahawa
walau betapa kecilnya simpanan kita, sekiranya dilaburkan pada jangka
panjang, ia akan menjadi amat besar!!</span></div>
<div style="text-align: justify;">
<span style="color: grey;">Saya
mempunyai kenalan yang tahu mengambil kesempatan di atas kuasa <em>compound
interest</em>. Mereka adalah pasangan suami isteri sederhana.
Pendapatan suami adalah RM 2,500. Pendapatan isteri juga RM 2,500.
Mereka hidup dengan sederhana dan tidak boros. Sehinggakan, segala
perbelanjaan untuk menampung hidup dibayar oleh suami- kediaman, kereta,
makan minum dan segala keperluan dibayar oleh suami. Manakala, gaji
isteri disimpan ke dalam unit amanah yang memberi pulangan 12% <span style="color: #993300;">(Kini di Malaysia, pulangan 12% adalah <strong>agak
biasa</strong> sekiranya anda membuat rujukan di syarikat-syarikat
Mutual Funds).</span></span></div>
<div style="text-align: justify;">
<span style="color: grey;">Pasangan
tersebut sebenarnya adalah di dalam jalan yang akan membawa mereka
menjadi jutawan!!</span></div>
<div style="text-align: justify;">
<strong><span style="color: grey;">Bagaimana?</span></strong></div>
<blockquote>
<div style="text-align: justify;">
<span style="color: #333399;">Dengan
menyimpan RM 2,500 setiap bulan dan diberi pulangan 12% atas simpanan
mereka, katakan mereka mulakannya pada umur 25 tahun (kahwin muda).
Sebelum umur mereka mencecah 45 tahun, kekayaan mereka berjumlah RM
2,439,315.77. Ya, hampir <strong>RM 2.5 juta</strong>! Dan ini dengan
hanya menganggap gaji isteri yang disimpan langsung tidak naik selama 20
tahun tersebut<strong>. Pasangan tersebut mencapai status jutawan pada
umur 38 tahun!!</strong> Kesemua ini adalah hasil kuasa <em>compound
interest</em>!</span></div>
</blockquote>
<span style="color: grey;">(Kalkulator bagaimana nilai
ini diperolehi boleh dirujuk <a href="http://www.moneychimp.com/calculator/compound_interest_calculator.htm"><span style="color: grey;">di sini</span></a>)</span><br />
<div style="text-align: justify;">
<span style="color: grey;">Sekiranya
anda tidak teruja dengan angka-angka ini, biar saya jelaskan lagi
mengenai kuasa <em>compound interest</em> dan apakah kunci kejayaan <em>compound
interest</em>. Kunci untuk <em>compound interest</em> adalah <span style="color: #993300;"><strong>MULAKAN DENGAN CEPAT</strong>!!</span>
Sekiranya anda berlengah memulakan simpanan anda, kesan <em>compound
interest</em> diperlambatkan.</span></div>
<span style="color: grey;">Perhatikan senario ini. </span><br />
<blockquote>
<span style="color: #333399;">Zahid menyimpan RM
200 setiap bulan sejak mula bekerja pada umur 20 tahun. Asri pula
lambat mengambil tindakan. Asri mula menyimpan pada umur 27 tahun.
Tetapi, Asri menyimpan RM 400 setiap bulan. <strong>Dua kali ganda</strong>
lebih dari Zahid.</span><br />
<span style="color: #333399;">Mari kita lihat apabila mereka
berdua menjangkau umur 38 tahun.</span><br />
<span style="color: #333399;">Simpanan pelaburan Zahid
adalah RM 115,124.39</span><br />
<span style="color: #333399;"> Simpanan pelaburan Asri pula
adalah RM 108,758.34 – walaupun Asri menyimpan dua kali ganda dari pada
Zahid.</span></blockquote>
<span style="color: grey;">Ini menunjukkan keputusan
Zahid melabur awal – walaupun sedikit jelas memberi pulangan yang lebih
berbanding dengan Asri yang mengambil keputusan melabur lewat – walaupun
dua kali ganda!!</span><br />
<div style="text-align: justify;">
<span style="color: grey;">Sekarang,
mungkin antara pembaca mengeluh</span></div>
<div style="text-align: justify;">
<span style="color: grey;">
“… tapi Irfan- menunggu 20 tahun adalah masa yang lama! Menunggu 15
tahun adalah masa yang lama untuk mencapai kekayaan.”</span></div>
<div style="text-align: justify;">
<span style="color: #993300;">Anggap
<em>compound interest</em> sebagai alat untuk menjadi kaya!!</span></div>
<div style="text-align: justify;">
<span style="color: grey;">Walaupun
mungkin mengambil masa yang lama, namun, ia adalah cara yang <strong>PASTI</strong>.
Teringat saya tentang cerita sang arnab dan kura kura, di mana arnab
dengan pantas dan bongkak memulakan perlumbaan. Tetapi, di akhir
perlumbaan, sang kura-kura yang perlahan yang tersenyum riang memenangi
perlumbaan!</span></div>
<div style="text-align: justify;">
<span style="color: grey;">Buat
pesanan akhir, tanya diri sendiri.</span></div>
<div style="padding-left: 30px; text-align: center;">
<span style="color: #333399;"><a href="http://emeldahanimunittrust.com/wp-content/uploads/2011/09/yes-no-maybe-dice-.jpg"><img alt="" class="size-full wp-image-350 aligncenter" height="210" src="http://emeldahanimunittrust.com/wp-content/uploads/2011/09/yes-no-maybe-dice-.jpg" title="yes-no-maybe-dice-" width="210" /></a>“Bolehkah anda menyimpan RM10
setiap hari mulai hari ini ke dalam akaun pelaburan yang memberi
pulangan 12% setahun?”</span></div>
<div style="text-align: justify;">
<span style="color: grey;">Jika
boleh, tuan-tuan dan puan-puan, dalam masa 30 tahun, anda juga adalah
seorang <strong><big>JUTAWAN!!</big></strong></span></div>
<div style="text-align: justify;">
<span style="color: grey;">Salam
cemerlang!</span></div>
<div style="text-align: justify;">
<span style="color: grey;"><strong>Nota:</strong>
Untuk melipat kali gandakan pendapatan melalui <em>compound interest</em>,
tambahkan hasil pendapatan anda, mungkin dari memulakan perniagaan
secara sambilan dan gabungkannya dengan pendapatan melalui <em>compound
interest</em> ini.</span></div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-11417364776859223312012-11-28T07:37:00.001-08:002012-11-28T07:37:19.933-08:00Article To Share: Mengapa Kita Tak Kaya Kaya?Artikel kali ini mungkin kata-kata yang
biasa kita dengar dalam kehidupan seharian kita. Namun suka untuk saya
kongsikan juga sebagai peringatan. Manusia itu kan mudah lupa, jadi
harus diingatkan selalu. Mungkin sesetengah orang akan bertanya pada
Allah <em>“kenapa aku masih hidup miskin sedangkan aku bekerja kuat dan
tak putus-putus berdoa”.</em>
<div style="text-align: justify;">
<strong>Kenapa agaknya?</strong></div>
<div style="text-align: justify;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/03/why-1.jpg"><img alt="" class="aligncenter size-medium wp-image-650" height="214" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/03/why-1-300x214.jpg" title="why-1" width="300" /></a></div>
<div style="text-align: justify;">
Kalau soalan<strong> “kenapa”</strong>
tentu hanya Allah yang boleh menjawabnya. Tapi soalan saya <strong>“kenapa
agaknya”.</strong></div>
<div style="text-align: justify;">
Dari segi logik akal kenapa Allah tidak
memakbulkan doa kita untuk menjadi kaya?</div>
<div style="text-align: justify;">
<strong>Mungkin,</strong></div>
<div style="text-align: justify;">
1. Allah tahu jika kita menjadi kaya
kita akan menjadi sombong<br />
2. Allah tahu jika kita menjadi kaya kita akan lupa berdoa kepadanya<br />
3. Allah masih mahu menguji kita sejauh mana kita akan bersabar dengan
ujian berada di dalam kemiskinan / kesederhanaan sama ada kita merungut,
atau tidak<br />
4. Belum masanya Allah mahu berikan kita kesenangan kepada kita dengan
kemewahan</div>
<div style="text-align: justify;">
Terlalu banyak kemungkinan yang
kadang-kala tidak terjangkau oleh pemikiran kita. <strong>Allah tahu
sesuatu yang kita tidak ketahui.</strong></div>
<div style="text-align: justify;">
Allah mahu kita sentiasa meminta dan
merayu kepadaNya. Tetapi jangan pula kita meminta yang bukan-bukan. Jika
sekadar meminta dan berdoa pun tanpa usaha jangan bermimpi Allah akan
tunaikan hasrat kita. Allah akan memberi mengikut kemampuan kita. Tapi
tidak mustahil juga Allah akan memberi sesuatu kepada hambaNya walaupun
hambaNya kurang usaha dan itu dinamakan <strong>Istidraj</strong>. Itu
juga adalah salah satu bentuk ujian.</div>
<div style="text-align: justify;">
Manusia kadang-kala nampak kekayaan itu
hanya dari segi material sahaja. Kaya harta belum tentu bahagia. <strong>Kebahagiaan</strong>
itu juga adalah satu kekayaan. Pernah tidak kita rasa<strong> “mudahnya
urusan aku” </strong>, satu perkara selesai tanpa ada masalah yang
serius. Mungkin doa kita dah dimakbulkan cuma dalam bentuk yang lain.</div>
<div style="text-align: justify;">
Allah tak berikan kita kekayaan tapi
Allah permudahkan urusan kita. Apa guna banyak duit tapi banyak
kesulitan dalam hidup? Apa guna gaji besar tapi hutang keliling
pinggang. Pernahkah kita terasa duit yang ada pada kita sekejap sahaja
habis dan kita tidak nampak apa yang kita beli? Mungkin ini juga ada
kaitan dengan <strong>keberkatan</strong>. Ada orang gajinya kecil namun
mampu membeli macam-macam. Simpanannya, juga sudah banyak berbanding
kita yang gaji lebih besar tapi langsung tak ada simpanan. <strong>Fikir-fikirkan.</strong></div>
<div style="text-align: justify;">
<strong>Allah menurunkan ujian kerana
Allah mahu kita sentiasa ingat padaNya</strong>. Contohnya, ujian
perasaan. Kadang-kala kita merintih kenapa Allah seksa jiwa dan perasaan
kita kerana masih ingatkan kisah cinta yang mungkin dah berakhir 4 atau
5 tahun lepas sehingga kita tutupkan hati kita pada orang lain.</div>
<div style="text-align: justify;">
Sedangkan si dia dah bergembira bersama
orang lain? Kenapa? Manusia sering bertanya kan. Persoalan-persoalan
yang dicipta itu sangat bagus jika kita fikirkan sebab musababnya. Bukan
merintih kenapa dan terus merintih. Kerana Allah mahu kita sentiasa
dekat padaNya. Sentiasa menyebut namaNya. Percayalah suatu hari nanti
pasti Allah akan gantikan perasaan itu kepada insan yang benar-benar
layak untuk kita.</div>
<div style="text-align: justify;">
Kita juga kena ingat dan terapkan dalam
diri kita, <strong>kekayaan itu satu ujian</strong>. Memang saya pun
kalau boleh inginkan harta yang banyak, nak beli apa pun boleh tetapi
kalau dengan menjadi kaya mampu membuatkan saya melupakan Allah, saya
redha jika saya hanya berada di <em>level </em>sederhana. Cukup makan
dan pakai serta boleh membahagiakan keluarga.</div>
<div style="text-align: justify;">
Letakkan keyakinan dan kepercayaan pada
Allah swt. <em>Put your belive in Allah.</em> InsyaAllah.</div>
<div style="text-align: center;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/03/ya-Allah1.jpg"><img alt="" class="aligncenter size-large wp-image-653" height="317" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/03/ya-Allah1-1024x860.jpg" title="ya Allah" width="377" /></a></div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-59127292185611652652012-11-28T07:36:00.000-08:002012-11-28T07:36:03.849-08:00Inflation Is Still A Concern<div style="padding-left: 30px;">
<span style="color: grey;"><strong>Inflation
Is Still A Concern</strong></span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;"><em>- The Star Online, 24th May 2011</em></span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">Inflation may accelerate, should there be more cuts
to the fuel subsidy or hike in electricity tariffs.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">Bank Negara governor Tan Sri Dr Zeti Akhtar Aziz
said the inflation rate would be revised upwards, depending on price
increases.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">Malaysia’s inflation rate rose to a 24-month high
of 3.2% year-on-year in April after a 3% increase in March.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">A rise in inflation, of between 3% and 3.5%, has
been priced into the central bank’s projections, Zeti told reporters
yesterday following the launch of “Leading Voices,” a new global thought
leadership platform by the International Centre for Leadership in
Finance (ICLIF)</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">However, the country’s diversified economy is now
better able to withstand inflationary pressure compared with the period
prior to the July 2008 price peak for crude oil. Prices then had reached
US$147 per barrel compared with today’s US$97 to US$98.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">“We’ll not be immune to price increases but the
impact will be less as we’ve enhanced efficiencies in the economy,”
Zeti, also ICLIF chairman, said.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;"><strong>Economists expect inflation to pick up in
the second half of the year as subsidies continue to be further
rationalised.</strong></span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">The expected hike in electricity tariffs this week,
according to analysts, would likely be in the vicinity of 5% to 10%.
With the costs of subsidies rising this year to over RM20bil from
RM10.3bil last year, more cuts in subsidies would be in the offing with
even a review of RON 95 petrol, currently retailing at RM1.90 per litre.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">AmResearch senior economist Manokaran Mottain said
in a report dated May 19 that the need to assist economic recovery and
fund Economic Transformation Programme projects would likely pressure
the central bank to keep the benchmark overnight policy rate (OPR) at 3%
for the rest of the year.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">Bank Negara last raised the OPR by 25 basis points
on May 5. The central bank also increased the statutory reserve
requirement by 100 basis points to 3%.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;"><strong>“Inflation will likely accelerate further </strong>
in the near term due to the recent rise in global crude and food prices
as well as the Government’s plan to implement the subsidy
rationalisation programme.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">“With the subsidy cut already factored in the
central bank’s inflation estimate of 2.5% to 3.5%, we do not expect any
policy review in the monetary policy, especially the OPR in the
short-term,’’ he said.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">In his latest report, Manokaran said if the
government wants to maintain prices at current levels, an increase in
subsidies would mean a reduction in other expenditures, be it operating
or development. The Government may introduce austerity measures to
operating expenditure, such as reducing ministries’ expenses like
overheads and promoting fiscal prudence.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">However, trimming development expenditure
especially will be detrimental to economic growth and welfare of the
country. In this context, the Government has no other option other than
to introduce a gradual cut in subsidies. Despite lower commodity prices
currently, the policy-tightening cycle in Asia was not over yet, said
Hong Kong-based Societe Generale SA fixed income strategist Chong
Wee-Khoon. Economic fundamentals and growth data in emerging Asia were
still strong and upside price pressure remained acute, he said.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">“Strong credit and lending growth warrants further
monetary and liquidity tightening, both in terms of reserve requirements
and policy rate hikes, even if food and commodity prices level off in
the coming months, as the base effect kicks in,” Chong said.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">On another note, Zeti said the central bank had not
discussed with the Finance Ministry over nominations to the
International Monetary Fund’s (IMF) managing director post after
incumbent Dominique Strauss-Kahn resigned following his recent arrest.</span></div>
<div style="padding-left: 30px; text-align: justify;">
<span style="color: #888888;">She said the trend of a European heading the IMF
would most likely continue.</span><br />
<a href="http://biz.thestar.com.my/news/story.asp?file=/2011/5/24/business/8739815&sec=business"><br />
Source: The Star Online, 24th May 2011</a></div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-74106767253113445102012-11-28T07:31:00.001-08:002012-11-28T07:31:32.486-08:00Article To Share : People Are FunnySometimes, I have to hide a smile when I look at the antics of some
people. Certain things they do or say, well, do not quite add up. Check
out the following examples:<br />
Some people say, “My life has changed 360 degrees” – to imply that
they have undergone a total transformation and are totally different
person now. Actually, <em>a 360 degrees change in direction will bring
them right back to their starting place.</em> What they should have said
is, “My life has changed 180 degrees”.<br />
Some people say, “Aim for the moon. If you miss, you may still wind
up in the stars.” I don’t know where they learnt their astronomy but
aren’t the stars a lot further away than the moon? So, <em>even if you
missed the moon, there is no way you’ll wind up in the stars</em>.
You’re more likely to wind up back on earth!<br />
Some people believe that an investment adviser is an expert in
investments. They think he knows all there is to know about investments,
and then some. They believe the investment adviser has their best
interests at heart. Actually, the reason they are called “investment
adviser” is that “speculation advisers” do not sell as many products!<br />
Some people believe that a successful formula will bring in excellent
results forever. They repeat the formula over and over again because it
has been making money. So, even though the world and regulations have
changed, they will continue to use the same formula. This partly
explains why some people become ex-millionaires! They are stuck in a
rut.<br />
Some people rush to buys properties because the CEO of the housing
developer told them that prices will soon rise. Don’t they realise that
it is the CEO’s job to say that? After all, he is hired to sell as many
properties as he can.<br />
Some people think they can make money from options and futures and
currencies when they already have a hard time making money from <em>properties,
which is actually the easiest, simplest and time-tested way to make
money in Malaysia</em>. Isn’t that a little like trying to beat a
grandmaster at chess when you cannot even win at checkers?<br />
Some people spend much time, effort and money to research a
particular investment. The good news is all that research tells them,
yes, the time is right for the investment. Unfortunately, for a variety
of reasons, instead of investing a <strong>meaningful amount</strong>
into the investment, they put in just a small amount of money –
RM10,000, RM5,000 or perhaps even less. The problem with this is that <strong>the
money is too little to be of any significance.</strong> For example, if
they managed to get a 100% return on investment, which is superb and
out-of-this-world return, their RM5,000 becomes RM10,000. While it is
certainly a newsworthy performance, the extra RM5,000 <strong>will
hardly change their financial situation.</strong> Had they invested
RM100,000 or, even better, RM500,000, in return would have made a <strong>huge
difference</strong> to their situation. <strong>This explains why some
people never get rich even though they chose the right investment –
their investment is too little.<br />
</strong><br />
Some people want to become rich but do not want to do anything
different. Instead, they want to continue doing what they are currently
doing, even though it is not bringing them the desired results. That’s
like wanting to see the sunset but heading east to catch it! It just
cannot happen!nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-71714634524372694262012-11-28T07:30:00.001-08:002012-11-28T07:30:32.221-08:00The Rich, The Good And The Ugly<em>Soo Ewe Jin, The Star Online, 16th May 2011</em>
Sometimes, we get the impression that people of a certain social
class must know one another quite well.<br />
So when we talk about the super-duper rich, we presume that they not
only appear on the same Forbes list each year, but they probably have
each other’s private numbers on their smartphones.<br />
And it does not really matter which country they come from, or which
industry they belong to, because their extreme wealth is the common
denominator.<br />
So if you look at the richest men on the 2011 list, you can imagine
Bill Gates, at No 2, giving Lakshmi Mittal of India, at No 4, a call
that goes something like this, “Hi, Mittal, how much richer are you
since I last called? Steel prices are rising but I am not doing too bad
myself. Microsoft just dished out US$8.5 bil to buy up Skype. Small
change, my man!”<br />
But what is the reality? I suspect that while the pursuit of money
drives these people, and they may share mutual public platforms, real
friendship among them may not be as common as we think.<br />
Gates and Warren Buffett recently brought together 61 American
billionaires to a resort in Tuscon but it was not so much a gathering of
old friends but total strangers.<br />
Buffett reportedly knew only 12 of those invited though by the end of
the evening, he had made 40 new friends.<br />
The one thing in common for these ultra-rich philanthropists is that
they belong to the special club of people who had pledged to give away
at least half of their wealth under the Giving Pledge initiated by
Buffett and Gates.<br />
So what did these people talk about all evening? Apparently, since
there was no real bond of friendship, they saw the meeting as a chance
to “meet each other, compare notes, eat and laugh.” At least that’s what
the Associated Press pieced together by talking to a few of the diners
after the event, which was totally off-limits to the press.<br />
When my growing-up boys asked me about the important and rich people
whom journalists get to meet in the course of work, I used to tell them
that, like the rest of us, “the men pee standing, and have to put on
their trousers one leg at a time.”<br />
It was my way to remind them that <strong>there are more important
things that make up a person’s worth than wealth and position.</strong><br />
But there is no denying that these philanthropists have the potential
to initiate sea changes if they put their hearts in the right place.<br />
And it is good that other rich people around the world, including in
Malaysia, are also embracing this concept of giving away part of one’s
wealth to address the world’s many problems.<br />
I was pleasantly surprised that our very own Dr Jane Cardosa, one of
the three dynamic Cardosa sisters with roots in Convent Green Lane and
Penang Free School, is a recent recipient of a US$100,000 grant from the
Bill and Melinda Gates Foundation to further her research into a
vaccine for polio and hand, foot and mouth disease (HFMD).<br />
Hopefully, we will see more Malaysian philanthropic ringgit being
made available to produce positive social returns.<br />
Maybe someone should propose a study on how to eliminate the bigots
and extremists in our midst who seek to build walls that divide, rather
than bridges that unite.<br />
And a further study on foot-in-the-mouth disease, which seems to be
pretty rampant among the politicians.<br />
<em>Deputy executive editor Soo Ewe Jin realises that there is much
good on the Internet that allows us to connect with worthy causes. But
it seems that Malaysian misuse of cyberspace is what gets us the
headlines.</em>nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-4250805181947388582012-11-28T07:29:00.003-08:002012-11-28T07:29:38.312-08:00The Cost of Waiting To Invest<em>Mark Riepe, Senior Vice President, Schwab Center for Financial
Research</em>
Imagine for a moment that you’ve just received a year-end bonus or
income tax refund. You’re not sure whether to invest now or wait. After
all, the market recently hit an all-time high. Now imagine that you face
this kind of decision every year — sometimes in up markets, other times
in downdrafts. What’s a good rule of thumb to follow?<br />
Our research definitively shows that the cost of waiting for the
perfect moment to invest far exceeds the benefit of even perfect timing.
And because timing the market perfectly is, well, about as likely as
winning the lottery, the best strategy for most of us mere mortal
investors is <strong>not to try to market-time at all</strong>. Instead,<strong>
make a plan and invest as soon as possible</strong>.<br />
<strong>FIVE INVESTING STYLES</strong><br />
But don’t take my word for it. Consider our research on the performance
of five long-term investors following very different investment
strategies. Each received $2,000 at the beginning of every year for the
20 years ending in 2006 and left the money in the market once
invested.(1) Check out how they fared:<br />
1. PETER PERFECT was a perfect market timer. He had incredible skill
(or luck) and was able to place his $2,000 into the market every year at
the lowest monthly close.<br />
For example, Peter had $2,000 to invest at the start of 1987. Rather
than putting it immediately into the market, he waited and invested
after month-end November 1987 — that year’s monthly low point for the
S&P 500® Index (a proxy for the stock market).<br />
At the beginning of 1988, Peter received another $2,000. He waited
and invested the money after January 1988, the monthly low point for the
market for that year. He continued to time his investments perfectly
every year through 2006.<br />
2. ASHLEY ACTION took a simple, consistent approach: Each year, once
she received her cash, she invested her $2,000 in the market at the
earliest possible moment.<br />
3. MATTHEW MONTHLY divided his annual $2,000 allotment into 12 equal
portions,which he invested at the beginning of each month. This strategy
is known as dollar cost averaging. You may already be doing this
through regular investments in your 401(k) plan or an Automatic
Investment Plan (AIP), which allows you to deposit money into mutual
funds on a set timetable.<br />
4. ROSIE ROTTEN had incredibly poor timing — or perhaps terribly bad
luck: She invested her $2,000 each year at the market’s peak, in stark
defiance of the investing maxim to “buy low.” For example, Rosie
invested her first $2,000 at the end of August 1987 — that year’s
monthly high point for the S&P 500. She received her second $2,000
at the beginning of 1988 and invested it at the end of December 1988,
the peak for that year.<br />
5. LARRY LINGER left his money in cash (using Treasury bills as a
proxy) every year and never got around to investing in stocks at all. He
was always convinced that lower stock prices — and, therefore, better
opportunities to invest his money — were just around the corner.<br />
<strong><br />
THE RESULTS ARE IN: INVESTING IMMEDIATELY PAID OFF</strong><br />
We looked at how much wealth each of the five investors had
accumulated at the end of the 20 years (1987–2006). Actually, we looked
at 62 separate 20-year periods in all, finding similar results across
almost all time periods.<br />
Naturally, the best results belonged to Peter, who waited and timed
his annual investment perfectly: He accumulated $146,761. But the
study’s most stunning findings concern Ashley, who came in second with
$141,856 — only $4,905 less than Peter Perfect. This relatively small
difference is especially surprising considering that Ashley had simply
put her money to work as soon as she received it each year — without any
pretense of market timing.<br />
Matthew’s dollar-cost-averaging approach delivered solid returns,
earning him third place with $134,625 at the end of 20 years. That
didn’t surprise us. After all, in a typical 12-month period, the market
has risen 75 percent of the time.(2) So Ashley’s pattern of investing
first thing did, over time, yield lower buying prices than Matthew’s
monthly discipline and, thus, higher ending wealth.<br />
Rosie Rotten’s results also proved surprisingly encouraging. While
her poor timing left her about $18,262 short of Ashley (who didn’t try
timing investments), Rosie still earned significantly more than double
what she would have if she hadn’t invested in the market at all.<br />
And what of Larry Linger, the procrastinator who kept waiting for a
better opportunity to buy stocks — and then didn’t buy at all? He fared
worst of all, with only $61,622. His biggest worry had been investing at
a market high. Ironically, had he done that each year, he would have
still earned more than twice as much over the 20-year period.<br />
<strong><br />
THE RULES DON’T CHANGE OVER TIME</strong><br />
Regardless of the time period considered, the rankings turn out to be
remarkably similar. We analyzed all 62 rolling 20-year periods dating
back to 1926 (e.g., 1926–1945, 1927–1946, etc.). In 52 of the 62
periods, the rankings were exactly the same; that is, Peter Perfect was
first, Ashley Action second, Matthew Monthly third, Rosie Rotten fourth
and Larry Linger last.<br />
But what about the 10 periods when the results were not as expected,
as illustrated in the table? Even in these periods, investing
immediately never came in last. It was in its normal second place four
times, third place five times and fourth place only once, from 1962 to
1981, one of the few periods of persistently weak equity markets. What’s
more, during that period, fourth, third and second places were
virtually tied.<br />
We also looked at all possible 30-, 40- and 50-year time periods,
starting in 1926. If you don’t count the few instances when investing
immediately swapped places with dollar cost averaging, all of these time
periods followed the same pattern. In every 30-, 40- and 50-year
period, perfect timing was first, followed by investing immediately or
dollar cost averaging, bad timing and, finally, never buying stocks.<br />
<strong><br />
WHAT THIS MEANS FOR INVESTORS: DON’T WAIT</strong><br />
If you make an annual investment (such as a contribution to an IRA or
to a child’s 529 plan), and you’re not sure whether to invest in
January of each year, wait for a “better” time, or dribble your
investment out evenly over the year, be decisive. The best course of
action for most of us is to create an appropriate plan and take action
on that plan as soon as possible. It’s nearly impossible to accurately
identify market bottoms on a regular basis. So, realistically, the best
action that a long-term investor can take, based on our study, is <em>to
invest at the first possible moment, regardless of the current level of
the stock market.</em><br />
If you’re tempted to try to wait for the best time to invest in the
stock market, our study suggests that the benefits of doing this aren’t
all that impressive — even for perfect timers. Remember, over 20 years,
Peter Perfect amassed less than $5,000 more than the investor who put
her cash to work right away.<br />
Even badly timed stock market investments were much better than no
stock market investments at all. Our study suggests that <em>investors
who procrastinate are likely to miss out on the stock market’s potential
growth.</em> By perpetually waiting for the “right time,” Larry
sacrificed $61,972 compared to even the worst market timer, who invested
in the market at each year’s high.<br />
<strong><br />
CONSIDER DOLLAR COST AVERAGING AS A COMPROMISE</strong><br />
If you don’t have the opportunity, or stomach, to invest your lump
sum all at once, consider investing smaller amounts more frequently.
Dollar cost averaging has several benefits:<br />
* <strong>PREVENTS PROCRASTINATION.</strong> Some of us just have a
hard time getting started. We know we should be investing, but we never
quite get around to it. Much like a regular 401(k) payroll deduction,
dollar cost averaging helps force yourself to invest consistently.<br />
* <strong>MINIMIZES REGRET.</strong> Even the most even-tempered
stock trader feels at least a tinge of regret when an investment proves
to be poorly timed. Worse, such regret may cause you to disrupt your
investment strategy in an attempt to make up for your setback. Dollar
cost averaging can minimize this regret because you make multiple
investments, none of them particularly large.<br />
*<strong> AVOIDS MARKET TIMING.</strong> Dollar cost averaging
ensures that you will participate in the stock market regardless of
current conditions. While this will not guarantee a profit or protect
against a loss in a declining market, it will eliminate the temptation
to try market-timing strategies that rarely succeed.<br />
As you strive to reach your financial goals, keep these research
findings in mind. It may be tempting to try to wait for the “best time”
to invest — especially in a volatile market environment. But before you
do, remember the high cost of waiting. Even the worst possible market
timers beat not investing in the stock market at all.nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-30487036987261820412012-11-28T07:28:00.001-08:002012-11-28T07:28:28.116-08:00Money Matters – What Should You Do If You Have Extra Ringgit?<em>Source: Calibre, April 2012</em>
<div style="text-align: justify;">
Money doesn’t come easy. So what should
you do when extra Ringgit come your way? We outline five essential
considerations that merit the extra Ringgit.</div>
<div style="text-align: justify;">
Not many people have the privilege of saying they have more than enough
cash to spare. Most will tell you they struggle to pay the bills that
seem to grow faster than their increments can keep pace.</div>
<div style="text-align: justify;">
However, we do happen to chance on some extra bit of cash occasionally,
either from our increments and bonuses or a profitable investment or
when we finish paying off a debt. But before you blow that bit of extra
cash that slips your way on random whims, here are some sensible options
to chew over to put your money to good use.</div>
<div style="text-align: justify;">
<span style="text-decoration: underline;"><strong>1. Paying Off Your
Debts</strong></span></div>
<div style="text-align: justify;">
Looking into the details of your debt may seem like an overwhelming task
but it can be accomplished by focusing on one item at a time. You need
to know the exact amount of each of your debts as well as their interest
rates and minimum payments.</div>
<div style="text-align: justify;">
Make <strong>two lists</strong> of your debts: in order from <em>lowest
to highest amount</em> and in order from <em>highest to lowest interest
rate</em>. Most people will pay the highest interest rate debts first.
That makes sense for the most part, particularly if you want to save
money on debts with ridiculously high interest rates. But, opting to pay
off your lowest amount first may give you the satisfaction and
motivation to continue reducing your debts. Assess the pros and cons of
paying off each debt. You should take it on a case-by-case basis though.
Weigh how much you owe against the interest rate to see which method is
better for you.</div>
<div style="text-align: justify;">
<strong><span style="text-decoration: underline;">2. Spending Wisely</span></strong></div>
<div style="text-align: justify;">
Of course now that you’ve come into some extra money, you may want to
indulge a little and allow yourself a small splurge. Make a list of
things that you want to get and look at what you can afford in that
list. Know how much you can spend before you enter the store and do your
research to ensure you are getting the best price for your purchases.
It may be an indulgence, but remember to spend within your means.</div>
<div style="text-align: justify;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/04/will-money.jpg"><img alt="" class="aligncenter size-full wp-image-735" height="309" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/04/will-money.jpg" title="will money" width="493" /></a>Then again, you can choose to spend
the money on necessities such as your auto maintenance or things to get
for your home. Consider expenditures that will add value to what you
have, for example, a house renovation. Or you can go for purchases that
can grow in value like an art piece or an antique that would fit well in
your home.</div>
<div style="text-align: justify;">
<span style="text-decoration: underline;"><strong>3. Intelligent
Investing</strong></span></div>
<div style="text-align: justify;">
There are several investment ideas worth considering if you find
yourself with some cash on hand. After all, it is not wise to keep your
money idle.</div>
<div style="text-align: justify;">
Those looking to invest for the long term can look at equity unit trust
funds. Unit trusts offer investors a simple, convenient and less time
consuming method of investing in various securities. There is a wide
array of equity unit trusts available in the market to suit investors’
risk appetite. Generally, funds with high risk profile will generate
higher returns and vice versa.</div>
<div style="text-align: justify;">
Investors are also advised to keep a toehold in fix-income assets to
diversify their portfolio and generate regular income stream. Fixed
income funds invest mainly in Malaysian Government Securities, corporate
bonds and money market instruments.</div>
<div style="text-align: justify;">
Alternatively, if you prefer to hold cash, you can opt to look at
money-market funds that are considered very liquid and safe. However,
note that money market securities offer significantly lower returns than
most other securities because of their conservative nature.</div>
<div style="text-align: justify;">
<span style="text-decoration: underline;"><strong>4. Improving Yourself</strong></span></div>
<div style="text-align: justify;">
Perhaps one of the best investment options is to invest in yourself.
Most times, we are so engrossed with making the extra ringgit to build a
better life that we forget to actually use it to improve ourselves. So
what does <em>“investing in yourself”</em> mean? This depends on what
your goals are and where you plan on putting more time, money and
thought.</div>
<div style="text-align: justify;">
Generally, there are<strong> three big areas</strong> that you might
want to consider to improve yourself in; your <em>appearance, skills and
health.</em> Focusing on one’s appearance may seem like a shallow thing
but remember that your appearance has a huge effect on your confidence.
So it’s ok to spend some money on making yourself look and feel good.</div>
<div style="text-align: justify;">
Also, everyone has a certain skill set suitable for a particular job,
hobby or for a day-to-day experience. Identify the skills that you want
to develop and enrol in courses or get books to improve yourself. And
never hold back money when it comes to your health. Know that
investments made to better yourself will never go to waste.</div>
<div style="text-align: justify;">
<span style="text-decoration: underline;"><strong>5. Prepping For Rainy
Days</strong></span></div>
<div style="text-align: justify;">
If there is no immediate need for money, then make a generous
contribution to your emergency fund. While keeping money in a savings
account will yield lower returns, it is important to have easily
accessible cash to cover any unexpected expenses. Having a stash of
emergency cash is becoming more important in the time of uncertainties.</div>
<div style="text-align: justify;">
Besides, it never hurts to have buffer
cash.</div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com1tag:blogger.com,1999:blog-3280482023419611593.post-5132648203092814952012-11-28T07:27:00.001-08:002012-11-28T07:27:28.711-08:00Article To Share: 5 Reasons Why Most Don’t Become Wealthy<em> Brian Tracy, Dec 19, 2011</em>
<div style="text-align: justify;">
“Why is it that people don’t become
wealthy?” In a country like ours, with the opportunities that we have,
why is it that so few people retire financially independent? And I
eventually found the answers. Here are what I consider to be the five
reasons why people don’t become wealthy.</div>
<div style="text-align: justify;">
<strong>Who Me?</strong></div>
<div style="text-align: justify;">
First, at the top of the list, is that
it never <em>occurs</em> to them. The average person has grown up in a
family where he has never met or known anyone who was wealthy. He goes
to school and socializes with people who are not wealthy. He works with
people who are not wealthy. He has a <em>reference group</em> or a
social circle outside of work who are not wealthy. He has no role models
who are wealthy. If this has happened to you throughout your formative
years, up to the age of twenty, you can grow up and become a fully
mature adult in our society, and it may never occur to you that it’s
just as possible for you to become wealthy as for anyone else.</div>
<div style="text-align: justify;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/who-me_.gif"><img alt="" class="aligncenter" height="300" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/who-me_-250x300.gif" title="who-me_" width="250" /></a></div>
<div style="text-align: justify;">
This is why people who grow up in homes
where their parents are wealthy are much more likely to become wealthy
as adults then people who grew up in homes where their parents are not.
So the first reason why people don’t become wealthy is it never occurs
to them that it is possible for them. And of course, if it never occurs
to them, then they never take any of the steps necessary to make it a
reality.</div>
<div style="text-align: justify;">
<strong>Make a Decision!</strong></div>
<div style="text-align: justify;">
The second reason that people don’t
become wealthy is that they never <em><strong>decide</strong></em> to.
Even if a person reads a book, attends a lecture, or associates with
people who are financially successful, nothing changes until he makes a
decision to do something different. Even if it occurs to a person that
he could become wealthy if he just did certain things in a specific way,
if he doesn’t decide to take the first step, he ends up staying as he
is. <em>If you continue to do what you’ve always done, you’ll continue
to get what you’ve always got.</em></div>
<div style="text-align: justify;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/just-do-it.gif"><img alt="" class="aligncenter" height="343" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/just-do-it.gif" title="just do it" width="458" /></a>The primary reason for
underachievement and failure is that the great majority of people don’t
decide to be successful. They never make a firm, unequivocal commitment
or definite decision that they are going to become wealthy. They mean
to, and they intend to, and they hope to and they’re going to, <em>someday.
</em>They wish and hope and pray that they will <strong>make a lot of
money</strong>, but they never decide, “I am going to do it!” This
decision is an essential first step to becoming financially independent.</div>
<div style="text-align: justify;">
<strong>Maybe Tomorrow</strong></div>
<div style="text-align: justify;">
The third reason that people don’t
become wealthy is <strong><em>procrastination</em></strong>. People
always have a good reason not to begin doing what they know they need to
do to achieve financial independence. It is always the wrong month,
the wrong season, or the wrong year. Business conditions in their
industry are no good, or they may be too good. The market isn’t right.
They may have to take a risk, or give up their security. Maybe next
year.</div>
<div style="text-align: center;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/procastination.jpg"><img alt="" class="aligncenter" height="309" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/procastination.jpg" title="procastination" width="350" /></a></div>
<div style="text-align: justify;">
There always seems to be a reason to
procastinate. As a result, they keep putting it off, month by month,
year by year, until it’s too late. Even if it has occurred to a person
that they can become wealthy, and they have made a decision to change,
procrastination will push all their plans into the indefinite future.</div>
<div style="text-align: justify;">
<strong>Pay the Price</strong></div>
<div style="text-align: justify;">
The fourth reason that people retire
poor is what economists call the <strong><em>inability to delay
gratification</em></strong>. The great majority of people have an
irresistible temptation to spend every single penny they make and
whatever else they can borrow or buy on credit. If you cannot delay
gratification, and discipline yourself to refrain from spending
everything you make, you cannot become wealthy. If you cannot practice <strong>budgeting
</strong>as a lifelong habit, it will be impossible for you to achieve
financial independence.</div>
<div style="text-align: center;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/savings-ahead-sign.jpg"><img alt="" class="aligncenter" height="258" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/savings-ahead-sign.jpg" title="savings-ahead-sign" width="395" /></a></div>
<div style="text-align: justify;">
As W.Clement Stone said, <em>“If you
cannot save money, the seeds of greatness are not in you.”</em></div>
<div style="text-align: justify;">
<strong>Take the Long View</strong></div>
<div style="text-align: justify;">
The fifth reason that people retire poor
is perhaps as important, if not more important, than all the others. It
is <strong><em>lack of time perspective</em>.</strong> In a
longitudinal study conducted by Dr Edward Banfield at Harvard University
in the 1950s and published in 1964 as <em>The Unheavenly City</em>, he
studied the reasons for upward socio-economic mobility. He wanted to
know how you could predict whether an individual or a family was going
to move upward one or more socio-economic groupings and be wealthier in
the next generation than they were this generation.</div>
<div style="text-align: center;">
<a href="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/past-present-future1.jpg"><img alt="" class="aligncenter" height="278" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/02/past-present-future1.jpg" title="past-present-future1" width="297" /></a></div>
<div style="text-align: justify;">
All his research brought him to a single
factor that he concluded was more accurate than any other in predicting
success in America. They called it <em>time perspective</em>. This was
defined as the amount of time that you take into consideration when
planning your day-to-day activities and when making important decisions
in your life. Time perspective referred to how far you projected into
the future when you decided what you were going to do or not do in the
present.</div>
<div style="text-align: justify;">
An example of long time perspective is
the common habit of upper class families in England to register their
children at Oxford or Cambridge as soon as the child is born, even
though he or she will not be attending for eighteen or nineteen years.
This is long time perspective in action. The young couple that begins
putting $50 dollars a month aside in a scholarship fund so that their
newborn child can go to the college or university of his or her choice
is a couple with long time perspective. They are willing to sacrifice in
the short term to assure better results and outcomes in the long term.
People with long time perspective almost invariably move up economically
in the course of their lifetimes.</div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-87349656928318365392012-11-28T07:25:00.002-08:002012-11-28T07:25:48.425-08:00If You Work Hard, Good Things Will Happen<div style="text-align: justify;">
Really? Yes, it is. I know you’ve
heard it a thousand times before. But it’s true – hard work does pay
off, especially dalam bisnes ni. Last Friday dapat berita seorang lagi
associate yang saya anggap sifu iaitu En Mohd Farabi telah dinaikkan
pangkat daripada Agency Supervisor ke Agency Manager. I am so proud and
happy for him (walaupun dalam hati sudah terbakarrrrrr dan jelesss
sebenarnya!! <img alt=":lol:" class="wp-smiley" src="http://emeldahanimunittrust.com/wp-includes/images/smilies/icon_lol.gif" /> ) He deserved this promotion as he is
very persistent and tak pernah give up dalam bisnes ni.</div>
<blockquote>
<div style="text-align: center;">
<span style="color: blue;">Believe
in yourself, and the rest will fall into place. Have faith in your own
abilities, work hard, and there is nothing you cannot accomplish. ~Brad
Henry</span></div>
</blockquote>
<div style="text-align: justify;">
En Farabi telah membuktikan bahawa dalam
bisnes ni, every effort is paid off. Of course, there are twists and
turns along the way. Biasa la tu. Hidup ni kan penuh cabaran. Yang
penting, macam mana kita hadapi cabaran tu. Do we easily give up or do
we stand up to obstacles and do something about them? Yes, you may get
lucky sometimes, but that is not always the case.</div>
<div style="text-align: justify;">
Lets take Michael Jordan as an example.
Michael Jordan is thought by many to be the greatest basketball player
of all times. Guess what? His success did not come easy. He failed to
make his high school basketball team, but <span style="text-decoration: underline;"><strong>he did not quit</strong></span>. His small defeat
fueled his desire to practice, practice and practice until he propelled
himself to the top of his game and ultimately became one of the top
players in the NBA. Sounds familiar?</div>
<div style="text-align: justify;">
Same goes to any one of us. Jika kita
ingin berjaya, berusaha dengan gigih dan jangan mudah berputus asa dalam
mencapai matlamat kita. InsyaAllah kita akan mendapat ganjaran yang
setimpal dengan usaha kita. Trust me, hard work never goes wasted. Allah
kan Maha Adil.</div>
<div class="byline">
By <span class="author vcard"><a class="url fn n" href="http://emeldahanimunittrust.com/author/emeldemarcos/" title="Emelda Hanim">Emelda Hanim</a></span> on <abbr class="published" title="Monday, October 8th, 2012, 6:42 am">October 8, 2012</abbr> </div>
<div style="text-align: justify;">
<a href="http://www.blogger.com/blogger.g?blogID=3280482023419611593" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em; text-align: justify;"><img alt="" class="aligncenter size-medium wp-image-916" height="225" src="http://emeldahanimunittrust.com/wp-content/uploads/2012/10/if-u-work-hard-300x225.jpg" style="border: 4px solid black;" title="if u work hard" width="300" /></a>Really? Yes, it is. I know you’ve
heard it a thousand times before. But it’s true – hard work does pay
off, especially dalam bisnes ni. Last Friday dapat berita seorang lagi
associate yang saya anggap sifu iaitu En Mohd Farabi telah dinaikkan
pangkat daripada Agency Supervisor ke Agency Manager. I am so proud and
happy for him (walaupun dalam hati sudah terbakarrrrrr dan jelesss
sebenarnya!! <img alt=":lol:" class="wp-smiley" src="http://emeldahanimunittrust.com/wp-includes/images/smilies/icon_lol.gif" /> ) He deserved this promotion as he is
very persistent and tak pernah give up dalam bisnes ni.</div>
<blockquote>
<div style="text-align: center;">
<span style="color: blue;">Believe
in yourself, and the rest will fall into place. Have faith in your own
abilities, work hard, and there is nothing you cannot accomplish. ~Brad
Henry</span></div>
</blockquote>
<div style="text-align: justify;">
En Farabi telah membuktikan bahawa dalam
bisnes ni, every effort is paid off. Of course, there are twists and
turns along the way. Biasa la tu. Hidup ni kan penuh cabaran. Yang
penting, macam mana kita hadapi cabaran tu. Do we easily give up or do
we stand up to obstacles and do something about them? Yes, you may get
lucky sometimes, but that is not always the case.</div>
<div style="text-align: justify;">
Lets take Michael Jordan as an example.
Michael Jordan is thought by many to be the greatest basketball player
of all times. Guess what? His success did not come easy. He failed to
make his high school basketball team, but <span style="text-decoration: underline;"><strong>he did not quit</strong></span>. His small defeat
fueled his desire to practice, practice and practice until he propelled
himself to the top of his game and ultimately became one of the top
players in the NBA. Sounds familiar?</div>
<div style="text-align: justify;">
Same goes to any one of us. Jika kita
ingin berjaya, berusaha dengan gigih dan jangan mudah berputus asa dalam
mencapai matlamat kita. InsyaAllah kita akan mendapat ganjaran yang
setimpal dengan usaha kita. Trust me, hard work never goes wasted. Allah
kan Maha Adil.</div>
nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0tag:blogger.com,1999:blog-3280482023419611593.post-48282352759373701162012-11-28T07:23:00.001-08:002012-11-28T07:23:15.901-08:00Kepentingan Perancangan Kewangan<div align="justify">
Masyarakat yang merdeka memiliki kebebasan kewangan.
Bebas membuat pilihan dan keputusan dengan kemahiran kewangan serta
tidak terikat dengan kongkongan hutang, keterbatasan kuasa beli,
kelegaan dari liabiliti jangka panjang dan beban psikologi krisis
kewangan. Fenomena terkini yang amat ketara ialah skim pembelian secara
ansuran mudah mendapat sambutan yang amat menggalakkan. Perkara ini
timbul kerana wujudnya permintaan yang merangsang pertumbuhannya. Tanpa
disedari, ramai pengguna memilih membeli barangan menerusi skim ini
kerana keupayaan kuasa beli untuk membeli secara tunai terhad. Situasi
ini secara tidak langsung juga menggambarkan hilangnya sikap menyimpan
dan melabur.</div>
Secara umum, kita tidak mempunyai sumber pendapatan yang aktif dan
terlalu dinamik sekarang dengan keadaan ekonomi yang tidak menentu,
lebih ketara lagi apabila berada dalam tempoh persaraan. Kita cenderung
memilih untuk menghabiskan tempoh lazim persaraan dalam keadaan yang
tenang dan santai. Sedangkan, kos sarahidup tidak pernah bersara malah
semakin hari semakin meningkat terutamanya perbelanjaan perubatan. Dalam
masa yang sama, kita masih leka tentang kepentingan pelaburan. Kalau
dulu kita berada dalam suasana kampung, hidup di dalam satu institusi
keluarga yang kukuh. Setelah bersara atau tidak bekerja, ibubapa yang
tiada pendapatan tinggal bersama anak-anak mereka atau dalam kelompok
kejiranan berdekatan serta saling bantu membantu. Inilah pegangan
masyarakat kita dahulu yang memegang nilai sebagai landasan hidup.
Dengan pendapatan yang kecil, mereka berjaya membesarkan anak-anak
dengan kecukupan pendidikan, akhlak, keperluan asas dan sebagainya.
Berbeza dengan situasi sekarang. Kemudahan pinjaman, keperluan seharian
dan pengaruh persekitaran menjadikan kita keliru dan terkadang gagal
menjustifikasikan tindakan. Persediaan yang sepatutnya perlu dibuat
bermula dari sekarang iaitu membuang sifat negatif terhadap kebendaan
dan membina nilai diri dan keluarga dengan keperluan dan kelengkapan
sarahidup yang bukan sahaja dari aspek kewangan malah ilmu pengetahuan
serta pengisian menyeluruh rohani, mental dan fizikal.<br />
Ini adalah kerana peningkatan kos dan kadar inflasi tidak menentu
meningkat. Nilai yang berada di dalam pegangan kita juga ikut tidak
menentu menurun dengan kenaikan harga barang atau penyusutan kuasa beli
wang kita. Tidak kurang juga pengaruh luaran lain memberi kesan kepada
nilai yang kita ada. Hubungan songsang diantara nilai pegangan dengan
kos, kadar inflasi dan lain-lain ini menuntut kita berbuat sesuatu
supaya kita tidak terus rugi atau sekurang-kurangnya dapat
mempertahankan nilai wang yang kita pegang. Nilai aset kita tidak
statik, begitu juga dengan umur dan keupayaan kita. Sekiranya baik sikap
dan tindakan kita, maka baiklah hasilnya. Walaupun masa yang sama
diperuntukan kepada setiap orang iaitu 24 jam sehari, tetapi terdapat
berbagai tahap keupayaan kewangan di antara individu. Yang cuai dan
mengikut nafsu akhirnya terkandas di waktu-waktu kritikal apatah lagi
setelah umur menjangkau ke tahap kurang produktif.<br />
Rasullullah s.a.w berpesan, rebutlah lima perkara sebelum datang lima
perkara, iaitu masa muda sebelum masa tua, sihat sebelum sakit, masa
berharta sebelum masa miskin, lapang sebelum sibuk, masa hidup sebelum
mati. Maka sewajarnyalah hadith ini diaplikasikan untuk kebaikan dengan
perancangan kewangan yang bijak Yang jelas, pelaburan mesti direbut
dengan bertindak dari sekarang.<br />
Bayangkan sekiranya kita hanya mempunyai kurang daripada RM50,000
wang KWSP apabila tiba umur persaraan dan dalam keadaan kita tidak
bekerja. Jumlah ini sememangnya tidak mencukupi untuk menampung
kehidupan di masa umur emas. Dengan peruntukan sebanyak RM1,000 sebulan,
duit tersebut boleh habis dalam tempoh 4 tahun sahaja. Itupun dengan
andaian sekiranya RM1,000 sebulan dibelanjakan dan belum diambilkira
dari segi kos-kos yang wajib dalam menyelesaikan liabiliti tertangguh
sebelumnya.<br />
Langkah penting dalam perancangan kewangan adalah pelan pelaburan.
Perancangan ini hendaklah bermula dari sekarang. Pelan pelaburan bukan
lagi satu pilihan malah menjadi�suatu kemestian kepada setiap individu.
Seorang ketua keluarga perlu merancang ketahanan sumber pendapatan
keluarganya untuk masa yang mendatang. Seorang bapa yang sedar
kepentingan pendidikan anak-anaknya, perlu mula melabur atau mencari
pelan perancangan kewangan menyokong pendidikan anak-anak, terutamanya
dengan kos pendidikan yang tinggi dan ketidakpastian bantuan kewangan
dari sumber-sumber yang dulunya boleh diharapkan.<br />
Antara tindakan yang perlu diambil kira adalah seperti berikut:<br />
<ul>
<li>
<div align="justify">
<strong>Pelaburan bermula dengan mempunyai duit
yang lebih</strong>. Malangnya, tidak ramai di antara kita mempunyai
lebihan wang sama ada bekerja sendiri atau makan gaji. Kalau
berlebihanpun, bukanlah seberapa kerana keperluan masa kini amat
mencabar sehinggakan kadang-kadang pendapatan gagal berlebih malah tidak
mencukupi. Di sinilah titik tolak yang akan membezakan orang yang
merancang dengan orang yang tidak merancang. Kita hendaklah bijak
berbelanja dan memperuntukan sebahagian pendapatan untuk membolehkan
kita melabur. Pelaburan yang disandarkan kepada pinjaman semestinya akan
rendah nilai apabila diambil kira modal yang tertakluk kepada
keuntungan pihak ketiga yang memberi pinjaman.</div>
</li>
<li>
<div align="justify">
<strong>Melengkapkan diri dengan kemahiran
pengurusan kewangan</strong>. Seseorang individu hendaklah berbelanja
dengan bijak untuk mengelak dari membelanjakan kepada perkara-perkara
yang tidak memberi nilai tambah. Pendapatan yang banyak bukan bermakna
seseorang itu kaya. Yang penting adalah bagaimana kita mengurus kewangan
kita. Perbelanjaan perlu diutamakan kepada perkara asas yang menyumbang
kembali kepada sumber pendapatan. Perbelanjaan sepatutnya berdasarkan
keperluan utama dan bukan berdasarkan kepada pengaruh lain seperti
iklan, rakan dan sebagainya. Sekiranya perbelanjaan dikaitkan dengan
perkara-perkara sampingan, beban membayar nilai perkhidmatan atau
barangan tersebut akan ditanggung oleh kita sendiri.</div>
</li>
<li>
<div align="justify">
<strong>Memahami pelaburan</strong>. Pelaburan
adalah tindakan atau satu proses yang diambil pada wang atau aset kita
dengan menjangkakan pulangan pada masa akan datang iaitu memperolehi
hasil daripadanya. Seperkara yang perlu diberi perhatian adalah hasilnya
tidak semestinya positif. Oleh itu, kita mestilah mengkaji dengan
terperinci sebelum sesuatu pelaburan membawa hasil sebagaimana yang
dijangkakan. Kita perlu bukan sekadar mengetahui istilah-istilah
pelaburan seperti risiko, pulangan, nilai masa duit, inflasi dan
sebagainya tetapi tahu mengaplikasikan. Unsur-unsur penting pelaburan
yang perlu didalami adalah:</div>
</li>
</ul>
<ul><ul>
<li>
<div align="justify">
Pelaburan jangka pertengahan kepada jangka panjang
seperti kita jangkakan pulangan untuk tempoh 10 tahun ke 20 tahun akan
datang.</div>
</li>
<li>
<div align="justify">
Pelaburan hendaklah dibuat ke atas pelbagai asset
atau industri dengan taburan yang sepatutnya.</div>
</li>
<li>
<div align="justify">
Risiko yang minima berbanding pulangan atau
pulangan secara relatif.</div>
</li>
<li>
<div align="justify">
Mengambil kira kesan inflasi sebahagian daripada
kos atau jangkaan kos inflasi.</div>
</li>
</ul>
</ul>
<ul>
<li>
<div align="justify">
<strong>Mengambil bahagian</strong> dalam pelaburan
dengan kepelbagaian bidang seperti kewangan, hartanah atau sumber
manusia seperti kemahiran tertentu yang bersesuaian dengan matlamat
jangka panjang kita. Membangunkan kemahiran diri dengan menambah
pengetahuan bagi kemahiran tertentu seperti membaikpulih kenderaan,
menulis artikel kepada majalah-majalah dan sebagainya juga merupakan
pelaburan.</div>
</li>
</ul>
<div align="justify">
Bertindaklah sekarang dengan membuat caruman ke akaun
pelaburan sedia ada atau melakukan pelaburan sendiri. Adalah disarankan
supaya pelan persaraan bermula dengan menguruskan pendapatan sedia ada
dan dilaburkan di tempat yang terjamin serta boleh diharapkan. Unit
trust, mutual fund or Amanah Saham Bumiputra (ASB) adalah salah satu
contoh pelaburan yang baik. Kenapa? Kerana institusi ini mempunyai orang
yang berkelayakan yang memang bekerja memberi keuntungan kepada
pelabur. Memang ada kos ke atas perkhidmatan mereka tetapi
sekurang-kurangnya kita tidak membayar dalam kerugian sekiranya kita
kurang arif membuat pelaburan sendiri. Seperkara lagi yang tidak kurang
pentingnya adalah mengenai peruntukan pelaburan perlu diasingkan dari
peruntukan kecemasan. Peruntukan pelaburan tidak digalakkan digunapakai
dalam keadaan kecemasan. Pelaburan yang didepositkan hendaklah tidak
dikeluarkan walau apa keadaan sekalipun. Memandangkan banyak perkara
yang perlu kita lakukan, biarlah orang yang mahir melakukan pelaburan
bagi pihak kita.</div>
Penekanan penting di sini ialah kesedaran tentang pentingnya tindakan
awal, kemahiran mengurus kewangan, disiplin diri yang tinggi serta
perancangan yang rapi. Berilah peluang hidup kita merdeka dari krisis
kewangan yang dialami hasil dari kegagalan sendiri.nusa_007http://www.blogger.com/profile/11279430298672054724noreply@blogger.com0