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
Sunday, August 16, 2009
How to Buy Unit Trusts Thru Me?
Saturday, August 15, 2009
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
----------------------
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
----------------------
Friday, August 14, 2009
MutualGold Investment Tool Is On Sale Now - BUY NOW FOR ONLY RM50!
Assalamualaikum dan Salam Sejahtera semua.
I spent some time to create a tool, called MutualGold_InvestmentTool, to help us plan out our investment properly and wisely. This tool is created using Excel Macro VBA. All calculations are done with a click of a button! A very useful user guide is provided to help users to use this tool.
I myself use this tool for my personal and family financial planning and also for my clients (upon request).
BUY NOW at only $50. It is cheap and very useful. You won't regret of having it!
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
BUY NOW at only $50. It is cheap and very useful. You won't regret of having it!
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:
BUY NOW at only $50. It is cheap and very useful. You won't regret of having it!
Saturday, August 8, 2009
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.
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.
Friday, August 7, 2009
Sunday, August 2, 2009
Understanding Risk
Any investment carries with it an element of risk. Therefore, prior to making any investment, prospective investors should consider the following risk factors:
1. Market Risk
Any purchase of securities will involve an element of risk, As unit trust funds principally invest in listed stocks they may be prone to changing market conditions as a result of global, regional or national economic conditions, governmental policies or political developments. Market uncertainties and fluctuations in the market caused by these uncertainties will affect the net asset value(NAV) of unit trusts which may fall or rise, thus causing the income generated by the fund to fluctuate.
2. Liquidity Risk
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 fund manager may need to sell the security at a discount to its fair value, which eventually affects the fund’s value.
3. Management Risk
Performance of the fund depends on the experience, expertise, knowledge and investment techniques of the fund manager. Poor management of a fund can cause considerable losses to the fund, which in turn may affect the capital invested.
4. Inflation Risk
Ideally the purpose of any investment is to secure returns that are greater that the inflation rate. While a fund will constantly seek to maximize 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.
5. Interest Risk
Fixed income securities and bonds are particularly sensitive to movements in interest rates. When interest rates rise, the value of fixed income securities and bonds 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.
1. Market Risk
Any purchase of securities will involve an element of risk, As unit trust funds principally invest in listed stocks they may be prone to changing market conditions as a result of global, regional or national economic conditions, governmental policies or political developments. Market uncertainties and fluctuations in the market caused by these uncertainties will affect the net asset value(NAV) of unit trusts which may fall or rise, thus causing the income generated by the fund to fluctuate.
2. Liquidity Risk
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 fund manager may need to sell the security at a discount to its fair value, which eventually affects the fund’s value.
3. Management Risk
Performance of the fund depends on the experience, expertise, knowledge and investment techniques of the fund manager. Poor management of a fund can cause considerable losses to the fund, which in turn may affect the capital invested.
4. Inflation Risk
Ideally the purpose of any investment is to secure returns that are greater that the inflation rate. While a fund will constantly seek to maximize 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.
5. Interest Risk
Fixed income securities and bonds are particularly sensitive to movements in interest rates. When interest rates rise, the value of fixed income securities and bonds 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.
Type Of Unit Trust
1. Equity Funds
An equity unit trust is the most common type of unit trust. The major portion of its assets are generally held in equities or securities of listed companies.
Equity unit trust funds are popular in Malaysia as they provide investors with exposure to the companies listed on Bursa Malaysia. The performance of the units is therefore linked to the performance of Bursa Malaysia. A rising market will normally give rise to an increase in the value of the unit and vice-versa.
There is a wide array of equity unit trusts, available in the market, ranging from funds with higher risk, higher returns to funds with lower risk, lower returns.
a. Aggressive growth funds
These funds invest generally in companies with higher capital growth potential but with associated higher risk
b.Index funds
These funds invest in a range of companies that closely match (or “track”) companies comprising a particular index.
c.International equity funds
These funds invest primarily in overseas share markets.
2. Fixed Income Funds
These funds invest mainly in Malaysian Government Securities, corporate bonds, and money market instruments such as bankers acceptance and fixed deposits. The objective of a fixed income (or bond) funds is usually to provide regular income, with less emphasis on producing capital growth for investors. It is possible, however, for fixed income funds to generate both capital gains and losses during a period of volatile interest rate.
3. Money Market Funds
Money market funds operate in a similar way to a bank account-the unit price is normally set at a fixed amount. Money market funds invest in low risk money market instruments that are in effect short-term deposits(loans) to banks and other-low risk-financial institutions, and in short-term government securities.
4. Real Estate Investment Trusts (REITS)
REITs invest in real properties, usually prominent commercial (office) properties and provide the investor with an opportunity to participate in the property market in a way which is normally impossible to the small time investor. By acquiring units in a listed REITS, however, it is possible to invest a small amount to gain exposure to the property market and have diversification in your portfolio.
5. Exchange Traded Funds (ETF)
ETF is linked unit trust fund whose investment objective is to achieve the same return as a particular market index. ETF often have low expense ratios and can be bought and sold throughout the trading day through a stockbroker, on an exchange.
6. Balanced Funds
Some investors may wish to have an investment in all the major asset classes to reduce the risk of investing in a single asset class. A balanced unit trust fund generally has a portfolio comprising equities, fixed income securities, and cash.
7. Syariah Funds
The main objective of Syariah funds is to provide an alternative avenue for investors sensitive to Syariah requirements. Syariah funds will exclude those companies involved in activities, products or services related to conventional banking, insurance and financial services, gambling, alcoholic beverages and non-halal food products.
An equity unit trust is the most common type of unit trust. The major portion of its assets are generally held in equities or securities of listed companies.
Equity unit trust funds are popular in Malaysia as they provide investors with exposure to the companies listed on Bursa Malaysia. The performance of the units is therefore linked to the performance of Bursa Malaysia. A rising market will normally give rise to an increase in the value of the unit and vice-versa.
There is a wide array of equity unit trusts, available in the market, ranging from funds with higher risk, higher returns to funds with lower risk, lower returns.
a. Aggressive growth funds
These funds invest generally in companies with higher capital growth potential but with associated higher risk
b.Index funds
These funds invest in a range of companies that closely match (or “track”) companies comprising a particular index.
c.International equity funds
These funds invest primarily in overseas share markets.
2. Fixed Income Funds
These funds invest mainly in Malaysian Government Securities, corporate bonds, and money market instruments such as bankers acceptance and fixed deposits. The objective of a fixed income (or bond) funds is usually to provide regular income, with less emphasis on producing capital growth for investors. It is possible, however, for fixed income funds to generate both capital gains and losses during a period of volatile interest rate.
3. Money Market Funds
Money market funds operate in a similar way to a bank account-the unit price is normally set at a fixed amount. Money market funds invest in low risk money market instruments that are in effect short-term deposits(loans) to banks and other-low risk-financial institutions, and in short-term government securities.
4. Real Estate Investment Trusts (REITS)
REITs invest in real properties, usually prominent commercial (office) properties and provide the investor with an opportunity to participate in the property market in a way which is normally impossible to the small time investor. By acquiring units in a listed REITS, however, it is possible to invest a small amount to gain exposure to the property market and have diversification in your portfolio.
5. Exchange Traded Funds (ETF)
ETF is linked unit trust fund whose investment objective is to achieve the same return as a particular market index. ETF often have low expense ratios and can be bought and sold throughout the trading day through a stockbroker, on an exchange.
6. Balanced Funds
Some investors may wish to have an investment in all the major asset classes to reduce the risk of investing in a single asset class. A balanced unit trust fund generally has a portfolio comprising equities, fixed income securities, and cash.
7. Syariah Funds
The main objective of Syariah funds is to provide an alternative avenue for investors sensitive to Syariah requirements. Syariah funds will exclude those companies involved in activities, products or services related to conventional banking, insurance and financial services, gambling, alcoholic beverages and non-halal food products.
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