Saturday, February 13, 2010

RINGGIT COST AVERAGING-benefiting from the volatility of the stock market

Ringgit cost averaging is an investment method intended to reduce exposure to risk associated with making a single large purchase. The technique works by investing a FIXED AMOUNT on a particular investment at regular intervals (e.g monthly or quarterly) REGARDLESS OF A UNIT PRICE, whereby more units are purchased when prices are low and fewer units are purchased when prices are high.

Example : You want to save RM12,000 each year for your child's education fund by investing RM1,000 into a unit trust fund each month. In the period of one year there will be price volatility (high and low) but believe it, the power of RINGGIT COST AVERAGING has made your NUMBER OF UNITS PURCHASED normally high enough to cover and increase your investment at the end of the period.

Conclusion : Invest at fixed amount each month no matter whether prices are high or low. Over long term your units held will be higher. (target on the UNIT not RM, by end of period you will be surprised by the value of your investment). Some people say it is burdensome to go to bank and buy the units every month. TAK SUSAH KAWAN, you can do STANDING INSTRUCTION at Public Bank, every month your Saving/ Current Account will be deducted automatically at FOC.(You can open Saving Acct at any Public Bank Branches near you, don't forget to apply for internet banking for easy monitoring) Public Mutual will send you statement every month to show the amount deducted and invested in particular fund. BE A SMART SAVER, START NOW AT MINIMUM OF RM100-00 ONLY!!!!

Tuesday, February 2, 2010

Public Mutual declares distributions for 5 funds

Public Bank’s wholly-owned subsidiary, Public Mutual, declared distributions for five of its funds. The total gross distributions declared for the financial year / period ended 31 January 2010 are as follows:
Fund Gross Distribution / Unit
Public Index Fund 5.00 sen per unit
Public Far-East Property & Resorts Fund 0.50 sen per unit
Public Islamic Optimal Growth Fund 0.50 sen per unit
Public Enhanced Bond Fund 2.00 sen per unit
Public Money Market Fund 2.50 sen per unit
Public Mutual Chief Executive Officer Ms. Yeoh Kim Hong said Public Index Fund and Public Far-East Property & Resorts Fund have generated one-year returns of 45.43% and 92.41% respectively for the period ended 8 January 2010, according to The Edge-Lipper Fund Table dated 18 January 2010. While Public Islamic Optimal Growth Fund, which is a EPF approved fund has generated a one-year return of 35.38% for the same period.
As for Public Enhanced Bond Fund, it has generated a one-year return of 10.99% for the period ended 8 January 2010. Public Money Market Fund, on the other hand, has generated a one-year return of 2.14% for the period ended 8 January 2010.
Public Mutual is Malaysia’s largest private unit trust company with 73 funds under management. It has over 2,000,000 accountholders and as at 31 December 2009, the total net asset value of the funds managed by the company was RM35.6 billion

p/s Compare one year return of 35.38% for Public Islamic Optimal Growth Fund with EPF one year return. Now you find the clue of the best investment to choose!!!!

Sunday, January 24, 2010

COST OF PROCRASTINATION - The benefits of starting Early.

Saving a huge sum of money for your retirement or education plan may seem like a daunting task but with time coupled with the power of compounding interest/ profit (for islamic investments), you will be amazed by how much your funds can grow simply by making regular investments. For instance :-

You can achieve RM1 million by investing RM220 monthly in an investment fund for about 40 years*.

Hence, starting early does have its benefits while procrastination may cost you dearly. For instance:-

If you start investing 10 years earlier (50 years timeframe)
You only need to invest RM90 a month in an investment fund to achieve RM1 million*

If you procrastinate by 10 years (30 years timeframe)
You will need to invest RM550 a month in an investment fund to achieve RM1 million*.

*Assuming rate of return is 9% per annum. This figure is only an assumption and does not indicate the past or future performance of any specific unit trust fund.

Capitalise On The EPF Members Investment Scheme To Grow Your Retirement Nest Egg

EPF Members Investment Scheme allows EPF members to invest 20% of the amount in excess of the required Basic Savings in Account 1 for investment in approved unit trust products.

The Benefits...
a) No cash investment required-investment is transacted directly from your EPF Account1
b) Diversification-opportunity to diversify your retirement funds with EPF approved funds.
c) Capital appreciation-opportunity to achieve capital growth and enhance your EPF savings.

Act now.

Friday, September 18, 2009


Disamping Public Mutual, saya juga ejen untuk Insuran/ Takaful Motor- Sykt Takaful Malaysia Berhad. Sempena dengan itu saya memberi diskaun 50% atas komisen jika anda mengambil insuran dengan saya. Sama-sama berkongsi keuntungan.

Kelebihan-Kelebihan Lain :-
a) Khidmat mengambil Road-Tax.
c) Peluang mendapat bonus Mudharabah daripada pengendali Takaful (Sykt Takaful Malaysia Bhd) sekiranya diumumkan.
e) Boleh bayar melalui kad kredit Visa , Mastercard dll.

Tunggu apa lagi, rebut peluang ini untuk tempoh terhad sahaja. Hubungi saya 0194588133.

p/s terbaru, Takaful-Malaysia declares Mudharabah payment=15% (lihat Maksudnya, untuk setiap RM1,000 premium yang dibayar, sekiranya tiada apa-apa claim yang dibuat sepanjang tempoh takaful, maka bayaran mudharabah yang anda dapat balik ialah RM150-00.

Thursday, September 17, 2009

Berita Baik Untuk Pemegang Akaun KWSP

Great news for those of you who invest in unit trusts through your Employees Provident Fund (EPF). The service charge for all investments through the EPF has been reduced to only 3% starting year 2008 onwards. Currently unit trusts companies can charge as much as 6.5%. I think this is a good move and will make investing through EPF even more lucrative (berbaloi-baloi)

Sunday, August 23, 2009

Keuntungan 20.54% Dalam Masa 9 Bulan Shj!!!


Lihat gambar (Click To Enlarge) di atas, itulah kenyataannya. Keuntungan saya telah memcecah RM3,080.59 dalam masa 9 bulan sahaja atau 20.54%. Dapat tambahan dividen sebanyak RM186.65. Hebatnya Public Mutual.

Lihatlah dengan melabur dalam pelaburan patuh syariah 'Public Islamic Optimal Growth Fund'(PIOGF) drpd Public Mutual MELALUI SKIM KWSP, sebanyak RM15,000 pada Nov 2008, saya telah menjana pendapatan yg agak hebat. Inilah pelaburan yang selamat dan halal (dipantau Suruhanjaya Sekuriti) dan dibenarkan oleh KWSP.

Ayuh, maksimakan tabung KWSP anda, masih belum terlewat...war2kan kepada kawan2. Bukti dah nyata. Hubungi saya di 019-4588133 atau e mail : untuk keterangan lanjut.