Understand Dollar Cost Averaging - Real Life Example

Shariah Fund Performance as on 21/01/2010

Source: http://www.publicmutual.com.my/application/fund/performance.aspx

Peluang Kerjaya Sebagai Perunding Unit Amanah

Saya ingin mempelawa anda untuk menyertai kumpulan saya di Public Mutual dan menjadi Perunding Amanah Saham (Unit Trust Consultant) secara full time / part time.

Syarat asasnya anda perlulah berumur sekurang-kurangya 21 tahun dan mempunyai sekurang-kurangya kelulusan SPM. Untuk berjaya pula, anda haruslah mempunyai sikap yang positif dan sukakan cabaran. Public Mutual menawarkan komisyen dan insentif yang sangat menarik dan ramai yang telah berjaya di dalam kerjaya ini.

Antara Kelebihan Menjadi Perunding Amanah Saham ialah:-

1) Unlimited Income Potential (Direct / Indirect Commission)
Di Public Mutual, anda akan dibayar setimpal dengan usaha anda. Sebagai ejen biasa, komisyen anda adalah seperti berikut:
Pelaburang Tunai: 2.75% daripada jumlah sales
Pelaburan EPF: 2% daripada jumlah sales

2) Bonus Tahunan
Bayaran bonus adalah berdasarkan jumlah jualan sepanjang tahun.

3) Free Incentive & Challenge Trip
Setiap tahun, Public Mutual akan melancarkan kempen 'Free Incentive & Challenge Trip' yang mana konsultan yang layak akan ditaja untuk melancong di destinasi yang ditetapkan (Untuk kempen 2009, destinasinya adalah Sudan, Seoul dan Bali). Jumlah jualan yang diperlukan dalam lingkungan RM700,000 dan ke atas.

4) Career Benefit
Career Benefit ini bolehlah dianggap sebagai residual income yang akan dibayar setiap bulan. Pengiraannya adalah berdasarkan jumlah Asset Under Management (AUM) iaitu jumlah keseluruhan pelaburan oleh klien kita. Dengan kata lain, selagi pelabur kita tidak menjual pelaburan mereka, selagi itulah kita akan mendapat Career Benefit ini.

Peratusan Career Benefit ini agak kecil berbanding Direct Commission tetapi jika kita telah menceburkan diri di dalam bidang ini untuk beberapa tahun dan mempunyai AUM yang besar, maka besarlah jumlah yang akan kita perolehi.

Sebagai contoh, konsultan yang mempunyai AUM sebanyak RM15,000,000 akan mendapat Career Benefit sebanyak RM2500 setiap bulan.

5) Career Prospect
Anda boleh mengembangkan kerjaya anda dengan menggunakan subsidi daripada Public Mutual untuk menjadi Certified Financial Planner (CFP). Sebagai seorang CFP, kredibiliti anda akan bertambah dan boleh membantu memajukan lagi perniagaan anda.

Bagaimana Untuk Menjadi Konsultan Unit Amanah?

Lesen untuk memasarkan Unit Trust mestilah diperolehi daripada FMUTM (Federal Malaysian Unit Trust Manager). Oleh itu, konsultan baru perlulah menduduki ujian CUTE (Computerised Unit Trust Examination) oleh FMUTM. Public Mutual ada menyediakan kelas tutorial.

Yuran Pendaftaran hanya RM264. Jika konsultan berjaya mendapatkan sales sebanyak RM50,000 di dalam masa 6 bulan, Public Mutual akan memulangkan semula yuran pendaftaran ini.

Hubungi saya jika anda berminat menjadi konsultan unit amanah:-

Rabita Yusoff
Unit Trust Consultant
PUBLIC MUTUAL BHD

012-232-0276
yusoffr@yahoo.com

How to Buy Unit Trusts Thru Me?

A. Set appointment to meet face-to-face

Call me at 012-232-0276 or email me at rabieta@gmail.com. We will set up time to meet face-to-face. During the meeting, assuming you are new to unit trust, I will briefly explain what unit trust is all about. We will go thru any questions you have in mind related to investment in unit trust, find out what type of investor you are and discuss your financial goal/planning.

If you are interested to invest in unit trust, you will need to sign a few forms depending on type of investment:
1. Cash (with or without regular top up / Standing Instruction)
2. EPF.

Notes: Detail of forms is listed below.

B. Virtual meeting via phone call or instant messenger

Call me at 012-232-0276 or contact me at Yahoo Messenger via my id, yusoffr. During the meeting, assuming you are new to unit trust, I will briefly explain what unit trust is all about. We will go thru any questions you have in mind related to investment in unit trust, find out what type of investor you are, and discuss your financial goal/planning.

If you are interested to invest in unit trust:

1. I will mail you the relevant forms as listed below:
a. New Investor Particulars Form
b. Investment Application Form
c. Telemutual Pin Application Form
d. Maybank Direct Debit form (if you are interested in making a periodic Standing Instruction)
e. If you are interested to invest in EPF:
i. EPF Investment form (Public Mutual Form)
ii. EPF Form

2. Sign all of the above forms. I will fill in all the other information

3. Inform me the following:
a. Which fund you want to invest in
b. Handphone no, mailing address, email address
c. Whether you want the distribution to be reinvested or paid out
d. Marital status, race, occupation and monthly income

4. Mail me:
a. All the forms, signed (thumb-printed for EPF Forms)
b. Information as per item 3
c. Photocopy of IC front and back on one page (for new Public Mutual investor only)
d. Photocopy of IC front and back on one page (with left and right thumbprints on the same page if you want to invest in EPF)

5. For cash investment, bank in your money to my Maybank / Public Bank / CIMB account (account number will be provided upon request) or mail me your cheque, pay to Public Mutual Berhad, together with the forms as in Step 4.

To find out all available unit trust funds under Public Mutual and the detail of the funds, please go to http://www.publicmutual.com.my/page.aspx?name=utp_main

Asset Allocation

For investors who want to invest large sum of cash or EPF money, they are advised to do Asset Allocation, allocate money into a few baskets instead of 1 basket so that the increase and decrease of funds profit can be balanced out.

For instance, investment of $100,000 for moderate investor type:

40% $40,000 - Balanced Fund - Conservative - PIBF
30% $30,000 - Equity Fund - Moderate - PIDF, PIADF
30% $30,000 - Equity Fund - Aggressive - PCIF, PAIF
----------------------
100% $100,000
----------------------

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Assalamualaikum dan Salam Sejahtera semua.

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How can this file help us? It provides tools / formula to:

1. Calculate total amount of money we are eligible to withdraw from EPF Account 1 for investment


2. Plan out our financial for retirement age




3. Plan out our financial for children's education

4. Calculate future value of our savings



4. Plan out our financial to become a millionaire

5. Calculate average cost per unit after RCA/top up


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Detail Info:

1. EPF Sheet:
This worksheet is used to get eligible amount to withdraw from EPF account 1 to invest in unit trusts.

2. Retirement Sheet:
This worksheet is used to plan out our retirement age such as how much money we need to have to support our retirement age,how much money we need to save/invest monthly in order to reach the target saving.

3. Education Sheet:
This worksheet is used to plan out our children's education such as how much money we need to have to support their studies,and how much money we need to save/invest monthly in order to reach the target saving.

4. Saving Sheet:
This worksheet is used to calculate future value of our saving.

5. Millionaire Sheet:
This worksheet is used to plan out reach the target saving and how much money we need to save/invest monthly in order to reach the target saving.Make sure to key in data in all of the red boxes

6. RCA Sheet:
This worksheet is used to calculate average cost per unit after top up and the profit gained when price increases to average cost per unit before top upThis worksheet also contains notes/information related to Ringgit Cost Averaging and Compounding.

7. RCA_Note Sheet:
This worksheet contains notes/information related to Ringgit Cost Averaging and Compounding.

8. FundPerfm_Allocation Sheet:
This worksheet contains Shariah funds performance information as at 13/08/2009.For NAV column, it reads the NAV from Note worksheet using Vlookup function.

9. FactorTable Sheet:
This worksheet contains the referral Factor table used in this file.

The copy comes with free Investment Summary template and Dollar Cost Averaging calculation as shown below:

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KATEGORI DANA

Dana boleh dipilih mengikut objective individu.

KATEGORI DANA

Kategori dana terbahagi kepada dana ekuiti, dana seimbang, dana bon, dana pendapatan tetap dan dana pasaran wang.

Pada amnya, untuk dikategorikan sebagai dana ekuiti melambangkan bahawa bahagian lebih tinggi aset dana akandilaburkan dalam stok/saham untuk memperoleh pertumbuhan modal bagi pemegang unit, dengan pendapatan dianggap sampingan.

Dana seimbang pula, akan memberikan tumpuan terhadap mencapai keseimbangan diantara pertumbuhan modal jangka panjang dan pendapatan dengan membuat sebahagian pelaburan di dalam stok/saham (tetapi bukan kepada takat dana ekuiti), dan sebahagian di dalam sekuriti pendapatan tetap (tetapi pada takat yang kurang daripada dana bon).

Dana bon/pendapatan tetap, pula memberi penekanan ke atas pelaburan dalam sekuriti pendapatan tetap supaya mendapat dan mengagihkan pendapatan tahunan kepada pemegang unit, dengan pertumbuhan modal dianggap sampingan kepada proses pelaburan.

Dana pasaran wang membuat pelaburan, terutamanya di dalam debentur jangka pendek dan instrumen pasaran wang bagi menjamindan mengagihkan pendapatan tahunan kepada pemegang unit.