Let us share with you......

Simpan Wang Sekarang

2012-02-01T11:09:00.002+08:00

Secara ringkas, lebih banyak wang disimpan sekarang lebih cepat lagi bagi anda memenuhi impian anda.
Jadi bilakah masa terbaik untuk kita memulakan simpanan.

Jawapannya mudah sekali, sudah pastinya SEKARANG, SEKARANG, SEKARANG!!!!!

Dimana dan berapa banyak untuk menyimpan????

1. Saving account - Tabung kecemasan sekurang-kurangmya 10% dari pendapatan bulanan anda
2. Unit Amanah - Tabung Persaraan, Tabung Pendidikan anak-anak, sekurang-kurangnya RM100, lagi banyak lagi bagus.

Diingatkan, pendapat dan cadangan saya nyatakan di atas adalah simpanan yang paling asas yang perlu kita ada. Kita boleh membina sendiri tabung simpanan kita mengikut kemampuan dan kehendak . Contohnya menyimpan di dalam Tabung Haji bagi tujuan menunaikan haji ataupun menyimpan di dalam ASB bagi tujuan membeli kereta, rumah dan sebagainya. Yang penting ada mempunyai kesedaran untuk menyimpan bagi faedah masa depan kita.

Jadi apa tunggu lagi, jom kita MENABUNG SEKARANG.

Staying the course

2012-01-13T14:09:00.000+08:00

Source : Business Times

Summary:

1.the investor who remains focused on long-term goals is more likely to achieve better risk adjusted returns than the investor who has a short-term horizon.

2.In view of the volatile nature of the stock markets, investors should be focused on riding through market cycles by having a medium- to long-term investment horizon of at least three to five years

3.In addition, investors can better withstand the impact of market volatility on their investments by investing a fixed amount of money on a regular basis. -Ringgit Cost Averaging (RCA)

4.Historically the Malaysian market has trended upward over the long run and investors who bought when prices were relatively low will generally be rewarded when prices rebound. Thus, investors are advised to practice a disciplined investing strategy such as RCA to take advantage of the volatility in the markets.

5.what is most important is not timing the market, but rather staying invested and focused on the long-term investment objectives.

6.Seasoned investors know that in the long run, markets have shown remarkable resilience in times of crisis. For instance, in the last global financial crisis, stock markets fell sharply in 2008 with the FTSE Bursa Malaysia Kuala Lumpur Composite Index (FBM KLCI) falling by 39.33 per cent. However, markets started to rebound strongly from March 2009 onwards with the FBM KLCI registering an annual return of 19.34 per cent for 2010.

Should you save, invest or spend your year-end bounty?

2012-01-13T12:59:00.000+08:00

Should you save, invest or spend your year-end bounty?

Suggestion :

1) Settle debt - credit card, overdraft or maybe personal loan

2) Create an emergency fund - use for EMERGENCY only, not day to day expenses.

3) Settle your housing loan

4) Invest - equities, unit trust or property

5) Pay the taxman

6) Spend or give - holiday, jewellery, new gadgets, shopping, entertainment.

Source : The Edge

Berita Harian Online | Usah terpedaya skim pelaburan haram guna logo palsu SC

2011-12-29T09:46:00.000+08:00

Berita Harian Online | Usah terpedaya skim pelaburan haram guna logo palsu SC

* BERHATI-HATI!!!!!!

Jika anda berniat untuk membuat pelaburan, buatlah pelaburan dalam saluran yang sah.

Sebelum anda melabur, buat kajian terlebih dahulu, sama anda melalui pembacaan di dalam internet atau pun dari kawan-kawan yang pernah membuat pelaburan.

Janganlah mudah terpedaya dengan 'guaranteed return'. Ini adalah kerana pulangan di dalam pelaburan sama ada saham atau unit amanah (Unit Trust) tidak pernah tetap. Ia bergantung kepada keadaan ekonomi semasa.

Berita Harian Online | Caruman KWSP naik satu peratus

2011-12-28T10:42:00.000+08:00

Berita Harian Online | Caruman KWSP naik satu peratus

Kadar caruman Kumpulan Wang Simpanan Pekerja (KWSP) bahagian majikan bagi pekerja bergaji kurang daripada RM5,000 sebulan dinaikkan daripada 12 kepada 13 peratus berkuat kuasa gaji Januari 2012

kajian menunjukkan hampir 70 peratus pesara menghabiskan kesemua simpanan mereka dalam tempoh 10 tahun selepas bersara.

* Selain daripada itu, kita juga digalakkan untuk menyimpan di dalam Unit Amanah (Unit Trust) bagi tujuan untuk memaksimakan tabung persaraan.

ASB unitholders to get 7.65 sen dividend per unit

2011-12-21T08:42:00.000+08:00

Source : The Star

Amanah Saham Bumiputra (ASB) unitholders will receive a dividend of 7.65 sen per unit for the financial year ending Dec 31, 2011 and also receive a bonus of 1.15 sen.

The income distribution and bonus would be automatically credited into the respective unitholder's account and unitholders could update their accounts beginning Jan 3 next year.

Investing during volatile times

2011-12-20T11:02:00.000+08:00

No one can predict the bottom of a market crash and the peak of the subsequent rebound

Before investing, as a unit trust investor you should :
a) Evaluate whether a fund's volatility of returns suits his or her risk appetite
b) Reading the fund's prospectus and annual report and compare its year-to-year performance figures -The statistics can tell investors whether the fund earned most of its returns within a short period or whether its returns were achieved on a more consistent basis over time.
c) Assess whether a fund's volatility is caused by market conditions, which affect the performance of similar funds across the board
d) Focus on a regular investment plan and let the fund managers deal with the volatility of markets.

With no crystal ball in hand, retail investors can, nonetheless, achieve reasonable returns throughout various market cycles by investing on a ringgit-cost averaging basis

It designed to reduce volatility by investing fixed dollar amounts at regular intervals, regardless of the market's direction. Thus, as prices of securities rise, fewer units are bought, and as prices fall, more units are bought. Ringgit-cost averaging is most suitable for long-term investors as it requires investors to stay invested regardless of the market's direction.

Source : Business Times

Lower charges, better returns?

2011-11-16T08:20:00.001+08:00

Source : Starbizweek

Unit trusts are gaining popularity among investors as an important source of investment and retirement savings. But are investors getting a fair deal from the high charges being imposed by the industry and will lower charges really mean better returns for investors?

Summary from the above articles:

1. Lowering the sales charges will not necessary provide better returns to investor. It depends on the performance of the fund manager or the fund house in relation to the funds invested among others.

2. Performance of a fund and its relevance to investors is key rather than merely looking at charges

3. Investors need to have sufficient information and knowledge of the product they are investing in

4.The front-end service charge is the primary means of compensating the agents for the service they provide to investors

5.Lowering or abolishing sales charges, will provide investors a quicker path to garnering returns on their investment, but at the same time, might encourage many to make regular withdrawals.

6. The lowering of sales charge to 3% has helped change investors' mindset and allowed them to realise that unit trust is a viable investment and pension planning instrument

Islamic fund management

2011-11-14T11:47:00.001+08:00

Saya cuma nak kongsi artikel yang sangat bermanfaat...cubalah baca
Artikel ini bertajuk 'Islamic Fund Management' dari Business Times

Ini summary dari artikel di atas;

1. As at June 30, the Islamic fund sector has a net asset value (NAV) of RM30.31 billion, which is about 30 per cent of the private unit trust industry in Malaysia .
2. Islamic funds must adhere to syariah-compliant economic activities and invest only in firms that fulfill syariah requirements.
3. Islamic funds cannot invest in conventional banks that offer products with fixed interest rates but can invest in Islamic securities and Islamic financial institutions.
4.The funds must avoid making investments in companies that are involved in products restricted by Islamic laws, such as alcohol, tobacco, pork, gambling or pornography.
5. an Islamic fund may only engage in leverage through the use of Islamic financing instruments and may not obtain or provide conventional loans nor invest in conventional interest-bearing products, including conventional debt securities.
6. Islamic funds have been known to be more resilient than conventional unit trusts as their returns are generally less volatile.
7. The fund management company is then supposed to purify or cleanse the profits made by its Islamic funds by identifying the profits generated by non-permissible activities and channel the amount to charitable bodies approved by the syariah adviser.
8. In order to protect the interest of investors, the Securities Commission has set up a Syariah Advisory Council (SACSC) to regulate Islamic funds in Malaysia.

3 MAAKL Flexi Funds Ranked Top Performers by Lipper

2011-11-14T11:37:00.001+08:00

From MAAKL Mutual;

We are pleased to inform you that three funds in the MAAKL Flexi Series of Funds, namely MAAKL-HDBS Flexi Fund, MAAKL-CM Flexi Fund and MAAKL-CM Shariah Flexi Fund, have been ranked by Lipper as the top 3 performing fundsin the Mixed Asset MYR Flexible category for the 3-year period ended 30 September 2011.

Menabung....

2011-11-03T14:08:00.000+08:00

'Berdasarkan kajian daripada Jabatan Insolvensi Malaysia, hampir 45 000 yang berumur di bawah 35 tahun diisytiharkan muflis sejak 3 tahun lalu. Daripada jumlah tersebut, secara purata 41 individu muflis setiap hari akibat daripada kegagalan menjelaskan bebanan hutang kad kredit, yuran perubatan, sewa beli dan lain-lain.'

Sayang sungguh, pada usia yang muda sudah diisytiharkan muflis.

Kenapa boleh berlaku begini???

Ini pendapat saya :

1. Tiada objektif hidup

2. Tiada perancangan kewangan

3. Tidak mengikuti perancangan kewangan yang telah dibuat.

4. Sikap - iaitu boros, menunjuk-nunjuk, tidak jujur dan terlalu mengikut keinginan.

Sebagai manusia, kita perlu ada objektif dalam kehidupan kita. Kita perlu merancang apa yang akan kita lakukan sepanjang kehidupan kita. Memang betul 'kita merancang, tetapi Allah yang menentukan semuanya'. Tetapi sebagai manusia kita diharuskan untuk berusaha untuk mencapai impian dan objektif yang kita bina. Bukan hanya berserah kepada-Nya. Malah Allah tidak menyukai umat-Nya yang tidak berusaha. Tanpa objektif, hidup kita umpama lalang...hanya mengikut ke mana arah angin.

Apabila kita mempunyai objektif, barulah kita boleh membuat perancangan kewangan kita dengan tepat. Perancangan kewangan bukannya 'complicated'. Cukup sekadar kita senaraikan berapa perlu disimpan setiap hari bagi tujuan mencapai objektif dan impian kita. Senaraikan bil-bil dan hutang-hutang yang perlu dibayar. Peruntukkan sedikit untuk ibu-bapa kita dikampung sebagai membalas pergorbanan meraka. Peruntukkan untuk belanja rumah dan harian kita. Dan lebihan yang ada boleh kita gunakan untuk 'membayar balik' kepenatan kita bekerja setiap hari. Jika kita mempunyai lebihan yang banyak, apa kata kita simpan lebih sikit dan bayar lebih sikit hutang kad kredit kita.

Sikap adalah halangan yang amat besar untuk kita mencapai objektif dan impian kita. Kerana kita tidak jujur terhadap diri sendiri, maka dengan itu kita gagal mengikut perancangan kewangan yang telah kita buat. Kerana sikap boros dan menunjuk-nunjuk kita berbelanja lebih. Kerana terlalu menikut keinginan, hutang kad kredit bertambah. Jika kita liat atau gagal untuk menyimpan setiap bulan, apa kata kita gunakan kemudahan yang ada sekarang. Iaitu potongan terus dari bank kita. Oleh yang demikian, sudah pasti tiap-tiap bulan kita menyimpan.

Dimana untuk menyimpan????

1. Akaun Simpanan - Tabung kecemasan

2. Tabung Haji - Tunaikan haji

3. ASB, ASW dll - kahwin, beli rumah

4. Unit Amanah (Unit Trust) - tabung pendidikan anak-anak dan persaraan

MAAKL Mutual Bhd mempunyai khidmat " Regular Savings Plan', di dalam ada boleh menyimpan serendah RM100 setiap bulan. 'Term and condition applied'

Jika anda berminat untuk mengetahui dengan lebih lanjut lagi mengenai plan ini, sila hubungi saya. Saya amat berbesar hati untuk berkonsi dengan anda.

MAAKL Declares Gross Distributions for MAAKL As-Saad

2011-11-02T10:36:00.001+08:00

KUALA LUMPUR, 31 OCTOBER 2011 - MAAKL (pronounced as ‘mac kle’) Mutual today
declared gross distributions for three of its unit trust funds for the financial year ending 31
October 2011. One of them is MAAKL As-Saad.

The gross distributions for the MAAKL As-Saad as follows:-

Gross Distribution : 3.75 sen

Gross Distribution Yield* : 3.35 %

*Based on average net asset value per unit from 1 November 2010 to 25 October 2011.

MAAKL As-Saad is an Islamic bond fund. Its primary investment objective is to provide unit
holders with higher than average returns compared to fixed deposits in medium- to long-term
periods by investing in bonds and other fixed income securities which are Shariah-compliant.
The Fund is designed for investors who prefer to invest in sukuk with a lower level of risk. The
Fund is suitable for investors who are less concerned on capital appreciation but seek consistent,
reasonable and stable income distribution from their investments that comply with Shariah
requirements. Investors should ideally have a medium- to long-term investment horizon of
between 3 and 5 years.

Source : https://www.maaklmutual.com.my/Html/Spotlight/11_DeclaresDistributions3Funds.PDF

EPF Investment

2011-10-25T11:47:00.000+08:00

A typical Malaysian, aged 40, who spends RM60,000 this year maintaining his lifestyle will need an estimated RM108,000 to fund his first year of retirement when he stops working at 55, if inflation averages 4% a year, between now and then. Even if he only lives until he’s 74, he’ll still need an accumulated total retirement fund of RM1.9 million* by the time he’s 55. That is an astoundingly large sum for most people, but if you take sensible steps to make your money work harder, you can move a long way towards achieving that goal.

If your personal investment objective is capital preservation, then EPF is the perfect place to keep all your future retirement funds. But if your objective is long-term capital growth, you might want to seriously consider the option granted by EPF to allow you to invest in unit trusts.

Since November 1996, all eligible EPF contributors are allowed to withdraw part of their savings to invest in unit trusts through external fund managers appointed by the Ministry of Finance.MAAKL MUTUAL is an officially appointed Fund Management Institution that offers the EPF Members’ Investment Scheme. Your investment in this scheme will allow diversification of your EPF savings into many possible investment portfolios.

Effective 1 February 2008, members can invest not more than 20% of their credit in excess of Basic Savings in Account 1 in products through approved external fund managers.The minimum amount of savings that can be withdrawn is RM 1,000 and can be made at intervals of three months from the date of the last transfer, subject to the availability of the Basic Savings required in Account 1.

Starting 1 January 2008, EPF members pay substantially lower service charges for unit trust investments. This means EPF members only pay a maximum of 3 percent in charges, as compared to the previous service charges of about 5 to 6 percent.With the lower service charges, EPF members can look forward to potentially better returns from their unit trust investments.

Berita Harian Online | Pupuk amalan menabung

2011-10-25T11:00:00.000+08:00

Berita Harian Online | Pupuk amalan menabung

Summary:
ILMU menabung tidak datang dengan sendiri, sebaliknya amalan murni itu patut didedahkan bagi membolehkan kanak-kanak melihat dengan jelas matlamat berkenaan, lantas dipraktikkan seumur hidup.

Kebanyakan kanak-kanak diberi sejumlah wang oleh ibu bapa mereka ketika di sekolah rendah lagi iaitu sejak usia tujuh tahun. Pembelajaran cara menyimpan, berbelanja dan hal berkaitan dengan pengurusan kewangan dapat membantu mereka sebagai persiapan untuk menguruskan kewangan dengan lebih baik apabila dewasa.

Berdasarkan laporan dan aliran menunjukkan lebih ramai golongan muda yang diisytiharkan bankrap. Masalah berkaitan kewangan semakin dihadapi pekerja muda disebabkan beberapa faktor seperti mereka berasa teruja apabila memperoleh pendapatan sendiri. Oleh itu mereka akan berbelanja semahunya bagi memenuhi impian mereka tanpa memiliki pengetahuan dan kemahiran menguruskan wang secara berhemat

Pendapat saya:
Bak kata pepatah "Melentur buluh biarlah dari rebungnya"

Ibu bapa adalah ibarat cermn kepada anak-anak....sebagaimana ibu bapa mereka berbelanja, begitulah jua anak-anak mereka akan berbelanja. Oleh yang demikian, kita sebagai ibu bapa perlulah menunjukkan cara menguruskan kewangan dengan bijak.

Pada masa sekarang berbagai-bagai kemudahan yang telah disediakan oleh pihak bank untuk mengalakkan amalan menabung di kalangan anak-anak kecil.

Selain daripada itu, ibu bapa juga digalakkan untuk menabung untuk tujuan pendidkan anak-anak di masa hadapan. Ini boleh dilakukan dengan melabur di dalam unit amanah

MAAKL Declares Gross Distribution for MAAKL Al-Fauzan

2011-10-05T14:59:00.002+08:00

MAAKL Declares Gross Distribution for MAAKL Al-Fauzan

MAAKL Mutual declared a gross distribution of 3.75 sen per unit for its MAAKL Al-Fauzan for the financial year ending 30 September 2011.

All unit holders who maintained their units in MAAKL Al-Fauzan as at 30 September 2011 are
entitled to the distribution, which translates into a distribution yield of 10.15%*.

Mr. Wong Boon Choy, Chief Executive Officer and Executive Director of MAAKL said, “We
are very pleased that MAAKL Al-Fauzan has managed to give good returns to unit holders. As at
23 September 2011, the Fund delivered a three-year and five-year return of 31.99% and 68.06%
respectively, according to the Lipper Global Fund Database.”

About MAAKL Al-Fauzan

1. Islamic equity income fund
2. designed for investors who prefer a regular income stream, stable investment returns and potential for medium- to long-term capital appreciation of between 3 and 5 years
3. suitable for conservative investors
4. MAAKL Al-Fauzan was the recipient of the Best Islamic Syariah Equity Award at the Morningstar Fund Awards (Malaysia) 2010.

Shocking reasons why Malaysians are living beyond their means

2011-09-27T08:02:00.001+08:00

Shocking reasons why Malaysians are living beyond their means

Sekadar untuk berkongsi articles yang menarik yang di ambil dari The Star melalui kempen yang sedand dijalankan oleh pihak The Star.

" “Protect Our Pockets” is an initiative by The Star to highlight key issues faced by Malaysians in relation to the rising cost of living. To express your support for the resolution, readers can join the online drive for the campaign by going tohttp://sites.thestar.com.my/protectourpockets/"

Terdapat banyak articles yang menarik mengenai personal financial management. Mungkin kita boleh menggunakan pendapat-pendapat ini untuk dijadikan iktibar dan dipraktikkan dalam kehidupan kita.

Ringkasan daripada articles di atas:

1. Shopaholics and poor management of personal finances - these best describe a good number of Malaysian consumers.

2.On average, 41 are declared bankrupt every day, mostly due to credit card debts

3. Fomca discovered that many of those declared bankrupt due to credit card debts were below 40 years old.

4. Many children did not even know where money came from

5. 72% of young adults have no retirement plans

Pendapat saya :

Bagi saya, perancangan dan pengurusan kewangan sangat penting kepada setiap orang. Pengurusan kewangan bukanlah terlalu kompleks untuk dilaksanakan. Berikut adalah pengurusan kewangan bulanan saya:-

1. Tabung persaraan- 10% daripada gaji bulanan (unit trust)

2. Emercency fund - 10% daripada gaji bulanan ( akaun simpanan)

3. Bayar hutang - kredit card, kereta, rumah

4. Bayar bil - air, elektrik, telephone, internet

5. Perbelanjaan rumah - seperti yang disenaraikan oleh isteri

6. Perbelanjaan kereta - touch 'n' go, petrol

7. Duit pocket

8. Kehendak - bergantung kepada lebihan duit yang ada

Kemudahan kad kredit yang disediakan adalah untuk memudahkan kehidupan kita dan bukannya untuk membebankan kita. Saya menggunakan kad kredit di dalam keadaan terdesak sahaja dan untuk membeli barang yang mahal. Saya tidak menggunakan kad kredit untuk tujuan bershopping atau bermewah-mewah mahupun untuk tujuan membayar hutang kad kredit lain. Di dalam dompet saya hanya ada dua sahaja kad kredit. Itupun sudah banyak bagi saya. Perkara yang penting bila anda mahu menggunakan kad kredit adalah "apakah saya perlu membeli barang ini?"

Pengurusan kewangan perlu dididik sejak kecil lagi. Di sini ibu bapa perlu memainkan peranan penting dan bukannya diletakkan dibahu pihak sekolah 100%. Ibu bapa perlu mendidik anak-anak untuk menabung sejak kecil lagi. Ibu bapa adalah role model yang paling dekat dan tepat kepada anak-anak. Oleh yang demikian, kita sebagai ibu bapa perlu menunjukkan tabiat perbelanjaan yang betul kepada anak-anak. Bagaimana bentuk acuan tersebut, begitulah hasil yang keluar.

Ramai orang mengagap perancangan persaraan adalah untuk orang yang akan bersara sahaja. Bagi saya anggapan tersebut salah sama sekali. kita perlu merancang persaraan kita sejak dibangku sekolah lagi, paling lambat pun bila kita menjejaki alam perkerjaan. Salah satu tabung persaraan yang ada adalah KWSP. Selain daripada itu, kita juga digalakkan untuk melabur di dalam unit amanah untuk kemudahan persaraan kita.

Bagi saya semua ini bertitik tolak daripada diri kita sendiri. Jika kita tidak terlalu mengikut keinginan, kita dapat mengelak daripada over spending. Jika kita menlihat jauh ke hadapan kita akan menguruskan kewangan kita dengan sebaiknya. Masih tidak terlambat lagi untuk kita membuat yang terbaik untuk kehidupan kita dan orang-orang yang tersayang.

Fikir Sebelum Pinjam

2011-09-23T08:49:00.000+08:00

Artikels dari Agensi Kaunseling dan Pengurusan Kredit

Rumusan:

1. Tujuan meminjam : Keperluan atau untuk tujuan produktif sahaja
2. Meminjam mengikut kemampuan
3. Fahami 3 peraturan meminjam : tujuan pinjaman, keupayaan membayar balik dan sejarah pembayaran
4. Fahami kadar faedah dan kesan terhadap keseluruhan kos pinjaman
5. Ketahui risiko sebelum menjadi penjamin.

Pendapat saya:

1. Bagi saya tujuan meminjam yang dibenarkan ialah : belajar, pembelian kereta dan pembelian rumah.Tetapi sekarang tidak dinafikan ramai orang mengambil 'personal loan' untuk tujuan lain terutamanya untuk berkahwin. Kenapa kita perlu meminjam untuk berkahwin? Belanja kahwin mahal? Bagi saya semua ini adalah bertitiktolak daripada kehendak. perancangan dan tolenrasi. Kalau kita membuat perancangan awal terutamanya perancangan kewangan, Insya-Allah kita mungkin dapat mengelak daripada membuat pinjaman. Dan kalau kita tidak terlalu megikut kehendak dan trend masa kini, kita tidak perlu meminjam. Di dalam setiap perhubungan kita memerlukan sifat tolenrasi dan persefahaman bagi menjamin kesejahteraan perhubungan kita. Jikalau kedua-dua belah pihak mempunyai sifat ini, Insya-Allah kita dapat mendirikan rumahtangga tanpa perlu membuat pinjaman. Malah kita akan berasa lebih bangga dan bahagia kerana rumahtangga yang kita bina adalah hasil titik peluh kita dan bukannya daripada bank atau lain-lain.

2. Islam amat menitikberatkan Wasatiah atau kesederhanaan dalam kehidupan kita. Jikalau kita perlu meminjam, kita hendaklah mengetahui setakat mana kemampuan atau keupayaan kita untuk menbayar balik pinjaman tersebut. Kita perlu memikirkan kesan terhadap kewangan dan kehidupan kita. Jika pinjaman ini memberi kesan negatif terhadap kewangan dan kehidupan kita, elaklah daripada meminjam dan carilah alternatif lain. Setiap perkara dan masalah ada jalan penyelesaiannya. Insya-Allah.

3. Sebagai penguna kita berhak mendapatkan maklumat yang mencukupi terhadap produk yang ditawarkan. Oleh yang demikian, sebelum membuat keputusan untuk meminjam cuba dapatkan maklumat mengenai kadar faedah yang ditawarkan oleh pihak bank. Kalau boleh buat 'survey' terhadap 3 atau lebih bank untuk mendapatkan pelbagai pilihan. Kemudian cuba bandingkan pilihan tersebut sebelum membuat keputusan.

4. Risiko yang dihadapi oleh penjamin adalah apabila peminjam tidak menbayar balik atau memnbayar sesuka hati tidak mengikut jadual yang telah ditetapkan. Ramai juga penjamin menjadi muflis disebabkan oleh peminjam tidak dapat menbayar balik pinjaman mereka. Dan ada juga penjamin menghadapi kesulitan untuk membuat pinjaman kerana peminjam gagal membayar pinjaman mengikut jadual. Oleh yang demikian, berhati-hatilah apabila ingin menjadi penjamin. Berbuat baik pun ada hadnya, jangan sampai nanti memakan diri sendiri. Kita manusia, walaupun rambut sama hitam tetapi hati lain-lain.

5. Akhir sekali, diingatkan "Pinjam dari medium yang sah disisi undang-undang".

Selamat Hari Raya Aidilfitri

2011-09-06T08:34:00.000+08:00

Selamat Hari Raya Aidilfitri saya ucapkan...Di dalam kegembiraan dan kesibukkan anda menyambut Hari Raya, jangan lupa untuk menyimpan untuk masa hadapan kita. Walaupun Raya cuma sekali dalam setahun, tetapi kita tidak digalakkan untuk membazir kerana membazir adalam amalan syaitan. Berwasatiahlah dalam berbelanja. Ingat berbelanja mengikut keperluan bukan kehendak atau menunjuk-nunjuk.

Ramadhan didik pengguna bijak berbelanja

2011-08-16T14:12:00.002+08:00

Berita Harian Online | Ramadan didik pengguna bijak berbelanja

WASATIAH atau bersederhana di dalam kehidupan adalah petua terbaik dalam mengawal nafsu berbelanja.

Sebelum berbelanja fikirlah sama ada ia KEPERLUAN, KEHENDAK atau KEMEWAHAN.

Berbelanja mengikut KEMAMPUAN.

Berbelanja selepas MENYIMPAN.

Salam Ramadhan...

2011-08-11T10:47:00.002+08:00

Rasanya belum terlambat lagi untuk saya mengucapkan Salam Ramadhan...

Marilah kita bersama-sama mencari keberkatan dan manfaat dalam bulan Ramadhan ini.

Marilah kita bersama-sama mengumpul pahala dan kebaikan untuk di bawa ke muka pengadilan nanti.

Di samping itu, marilah kita bersama-sama menyimpan untuk kemudahan di hari persaraan nanti.

Walaupun syaitan telah dirantai dalam bulan Ramadhan, namun begitu kita juga haruslah merantai 'nafsu' agar kita tidak melakukan perkara-perkara yang tidak baik dalam bulan Ramadhan seperti membazir. Kewujudan bazar-bazar Ramadhan adalah untuk memudahkan kita mencari juadah berbuka puasa tetapi selalunya kita menjadikan bazar Ramadhan tempat kita membazir kerana kita tidak merantai nafsu makan kita.

Apa kata, sepanjang bulan Ramadhan duit saku belanja makan tengahari kita simpan. Katakan setiap hari kita belanja minimum RM8 untuk makan tengah hari. Kalau setiap hari kita menyimpan RM8, sebulan kita boleh simpan RM160.

Kata orang sikit-sikit lama-lama jadi bukit.

SALAM RAMADHAN DAN SELAMAT BEPUASA

MAAKL umum agihan 4 dana

2011-08-11T10:44:00.000+08:00

Malaysians aware but unprepared for retirement

2011-06-28T11:09:00.002+08:00

Source : Personal Money, July 2011

1. 94% believe that having enough money to live on in retirement is important

2. Only 60% from it feel adequately prepared.

3. About 31% of respondent are very worried about coping financially in retirement

Causes : unforeseen events, depleting their saving, not enough saving and cost of ill health

4. 23% rely on their own savings and investment for retirement.

How about you????

a. Do you think enough money is important to live on in retirement?

b. Are you prepare for it?

c. Do you worry about coping financially in retirement and why?

d. What are you rely on for retirement? saving, KWSP, pensions, investment or your children....

Think of it......and let us share with u

Trademarks of a good financial adviser

2011-06-10T08:24:00.004+08:00

Question of the month from Personal Money magazines.

What are the trademarks of a good financial adviser?

E - EARNEST in making money for the clients
Q - QUALIFIED academically and experienced
U - UP TO DATE on financial packages, legislation and know-how
A - ACUMEN to identify the client's real problems.
L - LICENSED by a regulatory body

Source : Personal Money issue June 2011

MAAKL Declares Gross Distribution for MAAKL Al-Umran

2011-06-01T08:58:00.003+08:00

KUALA LUMPUR, 31 MAY 2011 - MAAKL Mutual today declared a gross distribution of 2.60 sen per unit for its MAAKL Al-Umran for the financial year ending 31 May 2011.

All unit holders who maintained their units in MAAKL Al-Umran as at 31 May 2011 are entitled to the distribution, which translates into a distribution yield of 8.37%*.

MAAKL Al-Umran is an Islamic balanced income fund. Its primary investment objective is to produce medium- to long-term capital appreciation and current income.

Mr. Wong Boon Choy, Chief Executive Officer and Executive Director of MAAKL said, “We are pleased that MAAKL Al-Umran has managed to achieve its investment objective of providing unit holders with medium- to long-term capital appreciation. As at 20 May 2011, the Fund delivered a one-year, three-year and five-year return of 16.17%, 31.99% and 68.60% respectively, according to The Edge-Lipper Fund Table.”

Mr. Wong added, “MAAKL Al-Umran is an Islamic balanced income fund, which is managed and administered in accordance with Shariah principles. The Fund is a winner of two prestigious awards this year. At The Edge-Lipper Malaysia Fund Awards 2011, MAAKL Al Umran won the Best Mixed Asset MYR Balanced-Malaysia-Islamic Fund, 3 Years Award. At the Morningstar Fund Awards (Malaysia) 2010, MAAKL Al-Umran received the Best Islamic Balanced Fund Award. The win of these two awards reflects our commitment to provide the investors of MAAKL Al-Umran with medium- to long-term capital appreciation and current income, which is the Fund’s primary investment objective.”

MAAKL Al-Umran is designed for investors who seek a regular income from investments which comply with Shariah requirements. The Fund is suitable for conservative investors seeking relatively higher returns than General Investment Account (GIA) rates but dislike the higher risks associated with a full equity portfolio. Investors should have a medium- to long-term investment horizon of between 3 and 5 years.

* Based on average net asset value per unit from 1 June 2010 to 24 May 2011

Source :http://www.maaklmutual.com.my/Html/11_Distribution_AlUmran(31May).pdf

Berita Harian Online | Bajet Bijak: Tabungan famili

2011-06-01T08:18:00.001+08:00

Berita Harian Online | Bajet Bijak: Tabungan famili

Tip atur perbelanjaan bagi pasangan muda miliki anak kecil

1. sediakan satu skim untuk simpanan pelajaran anak seperti Skim Simpanan Pelajaran Nasional (SSPN) dan takaful pendidikan.

2. sediakan juga satu simpanan biasa

3. memiliki insuran kesihatan yang melindungi si anak

Selain objektif untuk menyediakan tabung persaraan anda, anda juga boleh melabur di dalam unit amanah bagi tujuan tabung pendidikan untuk anak-anak anda. Ini adalah salah satu cara untuk memaksimumkan tabung pendidikan anak-anak anda, selain anda menyimpan di dalam SSPN dan simpanan biasa. Ini adalah kerana, yuran pendidikan semakin lama semakin meningkat. Dan selari dengan itu, kita hendaklah meningkatkan juga simpanan kita.

Jika anda berminat untuk mengetahui dengan lebih lanjut mengenai pelaburan di dalam unit amanah atau 'unit trust', anda boleh menghubungi saya.

LET US SHARE WITH U.....

Got enough for retirement?

2011-05-16T12:18:00.001+08:00

Got enough for retirement?

Highlighted:

1. "HOW much is enough?"

- how long one's life expectancy is?

- how much is the monthly target spending?

= RM1,000 per mth x 12 mth x 20 years

= RM240,000.00

2. How much we need to save monthly?

= Expected retirement fund/ expected no. years to work

----------------------------------------------------------------------

12 months

= RM240,000 /33 months

--------------------------------

12 months

= RM606 permonth

3. According to the 10th Malaysia Plan, a low-income household is defined as one earning less than RM2,500 a month, a middle-income one earns between RM2,500 and less than RM7,000 monthly, and a high-income one earns more than RM7,000 each month.

4. The recent Household Income Survey shows that the low-income category makes up 44.1 per cent of the population, while 42.6 per cent of the population are of middle-income. The remaining 13.2 per cent are of high-income.

BOLEHKAH ANDA MENYIMPAN RM606 SETIAP BULAN????

Bak kata pepatah, di mana ada kemahuan di situ ada jalan.

Dan salah satu jalan untuk memastikan tabung persaraan anda mencukupi menjelang persaraan anda nanti ialah .....

MENYIMPAN DI DALAM UNIT AMANAH

Let us share with you.....

Sumber : http://www.nst.com.my

Berita Harian Online | Minda Pengarang: Urus kewangan secara bijak pastikan hidup selesa apabila bersara

2011-05-04T14:14:00.001+08:00

Berita Harian Online | Minda Pengarang: Urus kewangan secara bijak pastikan hidup selesa apabila bersara

Highlighted:

1. Berdasarkan kajian, KWSP mendapati 70 peratus daripada ahli KWSP bersara pada usia 55 tahun menghabiskan caruman mereka antara tahun pertama hingga tahun ke-10.

2. Justeru, saranan Persatuan Pesara Kerajaan (PPK) agar diwajibkan kakitangan kerajaan menjalani kursus prapersaraan amat bertepatan. Presidennya, Datuk Wan Mahmood Pawan Teh, kelmarin mencadangkan agar kursus berkenaan dilaksanakan sekurang-kurangnya setahun sebelum tamat tempoh perkhidmatan kakitangan kerajaan terbabit. Kita yakin kursus seumpamanya dapat membantu pesara merancang kewangan dengan sebaik-baiknya. Kita akui tidak semua pekerja, termasuk daripada sektor swasta dapat mengurus wang secara bijak. Kita mahu setiap pekerja memahami selok-belok menabung, melabur dan membelanjakan wang secara berhemah menjelang hari persaraan.

3. Mengikut pakar perancangan kewangan, individu bersara memerlukan kira-kira 60 peratus daripada pendapatan akhirnya untuk mengekalkan taraf hidup seperti sebelum bersara. Malah, rakyat Malaysia memerlukan simpanan sekurang-kurangnya RM1 juta untuk memastikan kehidupan selesa apabila bersara.

4. Namun berdasarkan maklumat KWSP, sehingga akhir 2009 bilangan pencarum mempunyai nilai simpanan mencecah RM1 juta cuma 7,464 ahli. Ia satu jumlah yang kecil jika diambil kira 12.35 juta keseluruhan ahli KWSP setakat Mac tahun lalu. Ini bermakna tidak sampai satu peratus pencarum hidup selesa apabila bersara.

Bagaimana dengan anda?

Sudahkah anda membuat persediaan untuk tabung persaraan.

Tidak kira sama ada anda baru mula bekerja atau sudah lama bekerja, masih tidak terlambat lagi anda memulakan simpanan.

Dan tahukah anda, pihak KWSP telah membenarkan ahlinya untuk mengeluarkan sejumlah wang dari Akaun 1 bagi tujuan PELABURAN DALAM UNIT AMANAH bagi memastikan anda mempunyai simpanan yang mencukupi menjelang persaraan anda nanti. (Tertakluk kepada syarat-syarat).

Tidak salah kiranya, kita berusaha dengan mencari jalan dan mengambil peluang untuk memaksimumkan simpanan kita disamping berdoa kepada-Nya agar dikurniakan kesihatan yang baik, rezeki yang murah, keluarga yang bahagia serta anak yang soleh.

Jadi, apa ditunggu lagi, mulakan SEKARANG.

Tip Untuk Menyimpan

2011-04-25T08:55:00.003+08:00

Displinkan diri anda untuk terus menyimpan wang setiap bulan. Ikuti beberapa tip mudah berikut:-

1. Mengawal perbelanjaan

2. Mengawal kewangan

3. Jangan belanja lebih daripada pendapatan

4. Jangan berhutang

5. Kalau tidak mampu tangguh sahaja

6. Adakan 'target' setiap bulan sbg contoh jimat RM100 atau lebih setiap bulan

7. Senaraikan barang-barang yang perlu dibeli ketika ke shopping mall atau pasar raya

8. Jangan ikut orang lain

9. Jangan mudah dipengaruhi oleh barang-barang berjenama.

Sumber : Mingguan Wanita

MAAKL-HDBS Shariah Progress Fund

2011-04-25T08:30:00.003+08:00

Last 20 April 2011, MAAKL Mutual Bhd telah menlancarkan fund baru iaitu MAAKL-HDBS Shariah Progress Fund.

Serba-sedikit info mengenai MAAKL-HDBS Shariah Progress Fund:-
1. Islamic equity small-cap fund
2. invest primarily in a diversified portfolio of small to medium size Malaysia equities which comply with Shariah requirements.
3. It suitable for investor who are willing to accept a higher level of risk and seek maximise long term capital appreciation from their investment.
4. Fund manager - HwangDBS Investment Management Bhd.

Bermula dari 20 April hingga 10 May 2011, semua pelabur MAAKL-HDBS Shariah Progress Fund akan menikmati 1% lower service charge. Minimum pelaburan permulaan ialah RM1000.00.

Untuk maklumat lanjut mengenai fund ini sila baca rujukan ini.

Menyimpan Sebelum Berbelanja

2011-04-15T21:59:00.004+08:00

Konsep perbelanjaan yang betul dan sepatutnya adalah

PENDAPATAN - SIMPANAN = HUTANG + PERBELANJAAN

Maksudnya disini, setiap bulan bila dapat gaji apa yang penting adalah SIMPANAN, then balance selepas tolak dengan hutang barulah kita shopping.

Tetapi, masalahnya sekarang, most of people menggunakan konsep ini:-

PENDAPATAN - (HUTANG+PERBELANJAAN)= SIMPANAN

Kalau amalkan konsep ini, sampai bila-bila pun objective simpanan kita tidak akan tercapai. Ini adalah kerana bila kita start SHOPPING, selalunya end up dengan menambahkan hutang (kredit kad). Itulah simpanan anda kredit kad.

So, apa kata kita semua review semula konsep perbelanjaan kita pada masa sekarang. Adakah konsep perbelanjaan yang kita follow adalah yang betul atau salah. Kalau betul, well done untuk anda...kalau salah, rasanya belum terlambat lagi kita untuk mengubah dan mulakan konsep perbelanjaan yang betul. So, untuk semua SELAMAT MENYIMPAN DAN SHOPPING!!!!!

Source : Mingguan Wanita

SC: Don’t give your money to unlicensed investment agents

2011-04-15T21:11:00.004+08:00

Ini amaran keras dari Securities Commission (SC)....

"Where such schemes are purportedly linked to licensed intermediaries, investors are advised to verify the legitimacy of such schemes with the licensed intermediary concerned or with SC," it said in a statement today.

Sekarang nie, berbagai-bagai jenis penipuan melibatan duit dengan menjanjikan pulangan yang tinggi dalam masa yang singkat seperti 'Skim Cepat Kaya'. Kita sebagai manusia perlu berhati-hati...tidak dinafikan kita semua ingin menjadi kaya, tetapi untuk menjadi kaya bukannya senang, kita perlu berusaha, bersabar dan berdoa.

Jika anda ingin melabur, pastikan anda melabur dalam saluran yang betul dan sah di sisi undang-undang. Sebelum membuat pelaburan anda digalakkan untuk membuat research. Dapatkan info yang secukupnya mengenai produk tersebut.

So, jika anda berminat untuk membuat pelaburan dalam unit trust, saya bersedia untuk berkongsi dengan anda kerana unit trust advisor yang SAH....dan sekali lagi saya ingatkan BERHATI-HATI

Ini petikan berita yg saya ambil dari http://www.theedgemalaysia.com

Best Islamic Equity Fund Manager

2011-04-11T09:02:00.001+08:00

Tahniah MAAKL....

Ini petikan berita yang saya ambil dari business time.
Jika anda berminat untuk mengetahui dengan lebih lanjut lagi mengenai pelaburan dalam unit amanah dengan MAAKL mutual Berhad, jangan segan silu untuk contact saya.

Saya sedia berkongsi dengan anda.

Marilah kita mula menabung atau menyimpan dari sekarang untuk kebahagian kita dan orang-orang yang tersayang di sekiling kita.

Two MAAKL Mutual funds win awards

Best Islamic Equity Fund Manager

2011-03-29T09:04:00.004+08:00

FYI, MAAKL Mutual Bhd has emerges as Best Islamic Equity Fund Manager at the Morningstar Fund Award (Malaysia) 2010. The award as follow:

BEST ISLAMIC SYARIAH EQUITY FUND

BEST ISLAMIC BALANCED FUND

Congratulation MAAKL Mutual Bhd.

MAAKL Mutual Bhd is now Top 9

2011-03-11T10:37:00.003+08:00

Congratulation MAAKL Mutual Bhd.

As at 31st Jan 2011, MAAKL Mutual Bhd has moved one ladder from Top 10 to Top 9 now.

We are moving forward and always forward....

Source : Lipper Global Funds Database.

MAAKL Wins The Edge-Lipper Malaysia Fund Awards 2011

2011-03-08T09:01:00.003+08:00

Assalamualaikum semua,

We are pleased to inform you that MAAKL Al-Umran has won award at The Edge -Lipper Malaysia Fund Awards 2011.
MAAKL Al-Umran is the winner of the Best Mixed Asset MYR Balanced Malaysia - Islamic Fund 3 Years Award.
Al-Umran is an Islamic balanced income fund which its primary investment objective is to produce medium to long term capital appreciation and current income.
For the 3 year period ended 18 February 2011, MAAKl Al-Umran achieved total returns pf 30.54% and is also named the Lipper Leader for Total Return and Consistent Return as at 31 January 2011.

Congratulation MAAKL

Dividen KWSP

2011-02-22T08:39:00.003+08:00

As-salam semua,

Saya percaya semua orang sudah tahu yang KWSP telah mengisytiharkan dividen bagi tahun berakhir 2010 ialah 5.80%, di mana lebih tinggi berbanding bagi tahun berakhir 2009 iaitu sebanyak 5.65%.

Ini petikan yang saya ambil dari laman web KWSP:

"Kumpulan Wang Simpanan Pekerja (KWSP) dengan kelulusan Menteri Kewangan hari ini mengisytiharkan bayaran dividen tertinggi pernah dicapai sebanyak RM21.61 bilion kepada ahlinya, meningkat 11.55 peratus berbanding bayaran dividen 2009 sebanyak RM19.37 bilion. Amaun ini merupakan 5.80 peratus kadar dividen bagi tahun kewangan berakhir 31 Disember 2010."

So, untuk maklumat lanjut mengenai berita ini, anda boleh baca disini.

Akhir sekali, jangan lupa review portfolio investment anda ya. Hopefully, achieve the investment goal and objective. Have a good day.

Young Adults and Spending

2011-02-11T09:19:00.004+08:00

Bagaimana untuk mengalakkan "Young Adults Working" untuk menyimpan...

1. Tetapkan objectif atau tujuan simpanan...
a) Beli kereta
b) Kahwin
c) Beli rumah

2. Berapakah tabung persaraan yang mereka perlukan untuk besara dengan selesa dalam masa 30 tahun lagi.
- jumlah tabung persaraan yang diperlukan bergantung kepada cara kehidupan yang anda ingini dan juga kadar inflasi semasa.
- saya perlukan lebih daripada RM1 juta untuk hidup selesa selepas bersara.

3. Berapa banyak saya patut simpan sebulan?
- Anda digalakkan untuk menyimpan sekurang-kurangnya 10% daripada pendapatan bulanan anda dan anda dinasihatkan untuk meningkatkan jumlah simpanan bulanan anda daripada masa ke semasa.

4. Dimana untuk menyimpan?
- saya cadangkan di dalam "Unit Trust" kerana kadar pulangan yang lebih tinggi berbanding di dalam Akaun Simpanan Biasa. Selain daripada itu, risikonya lebih rendah berbanding daripada anda melabur terus dalam pasaran saham.
- Anda juga digalakkan untuk menyimpan di dalam Akaun Simpanan Biasa untuk tujuan "Emergency Fund". "Emergency Fund" ini bertujuan untuk kegunaan pada masa kecemasan.

5. Bagaimana untuk menyimpan?
- Monthly auto-debit - saya simpan di dalam MAAKL Unit Trust
- emecency fund - tiap-tiap bulan saya pergi membuat lawatan sambil menyimpan di bank.
- tiap-tiap hari saya akan menyimpan sekurang-sekurangnya RM1 sehari ke dalam tabung.

6. Self-attitude
- Self-displine untuk memastikan anda menyimpan tiap-tiap bulan
- Simpan dulu baru shopping (Tegas)
- Beli bila perlu ( Tidak membazir)

Source : Personal Money, February 2011

Which one is your choice???

2011-02-07T13:09:00.006+08:00

Yang mana satu pilihan anda...
A atau B...
Jika anda memilih A, boleh ke anda capai impian anda
Jika anda was-was dengan pilihan B, let us share with u
Pilihan di tangan anda....

Money Quote

2011-02-02T08:52:00.004+08:00

"There is no such thing as a free lunch"

"Delayed gratification"

"If you cannot save money, then the seeds of greatness are not in you"

"Money doesn't grow on trees"

"Save today for a better tomorrow"

"Money can't buy happiness"

"You must deliberately protect yourself against serious losses"

"If you work just for money, you'll never make it, but if you love what you're doing

and you always put the customer first, success will be yours"

"The art is not making in money, but in keeping it"

Source : Personal Money, Feb 2011

Monthly Checklist

2011-01-27T08:41:00.003+08:00

Alhamdulilah....gaji dah masuk, bulan nie gaji kurang skit dari bulan lepas...sebabnya EPF deduction. Seperti yang diwar-warkan sebelum ini, berkuatkuasa gaji bulan Januari EPF deduction bahagian pekerja telah dinaikkan semula dari 8% ke 11%.

Seperti biasa, sebelum berbelanja kena bayar dulu semua fixed expenses/responsibility iaitu:-

a) simpan at least 10% from gross monthly income

b) auto-deduction untuk simpan dalam MAAKL unit trust (RM100 setiap bulan)

c) protection - insurance

d) house rental/house loan

e) parent

f) utilities

g) telephone and broadband

h) credit card

i) car

j) house expenses

k) car expenses (petrol)

hmmmm....balance yang ada boleh le digunakan sebagai entertainment expenses untuk saya and my wife...shopping, tengok wayang, makan and etc.

Tiap2 bulan macam nie...kalau duit bulan lepas ada balance, simpan lagi....rajinnya saya simpan kan. Tujuan simpanan nie adalah untuk jangka pendek dan jangka panjang. Jangka pendeknya, beli something for me and my wife and jangka panjangnya of course untuk retirement fund. Sebab kita tak tahu sampai bila kita boleh bekerja, so we need to the early preparation. Dan bila sampai waktunya, let the money work for you....

So you guys, how your manage your money? Ada lebih ke atau asyik tak cukup jer

Save A Seat On The 'Financial Independence' Bus For Me!!

2011-01-13T08:41:00.003+08:00

The common thing that most of us would say when have been asking about saving for retirement are:

A) "I don't have have to worry, I'm still young"
B) "Retirement is too far fetch to think about"
C) "I've still lot of times to prepare"

The truth is.....retirement is only days away

It is obvious that retirement is nearer than you think and you had better start saving for your retirement because the only person who can take care of the older person that you will be someday is the younger you are right now.

For more reading click here

Sudahkah anda mula menyimpan untuk tabung persaraan anda?

Jika YA, tahniah saya ucapkan...teruskan usaha anda.

Jika BELUM, apa anda tunggu lagi...jangan bagi alasan. Masa tidak menunggu anda, kita yang harus mengejar masa. Jika masa berlari dengan pantas, kita kena berlari 2x ganda lagi pantas dari masa tu.

Di mana anda menyimpan Tabung Persaraan anda?
Saya menyimpan di dalam Unit Amanah (Unit Trust) dan saya menggunakan KWSP Akaun 1 untuk menyimpan di dalam Unit Amanah. KENAPA? untuk mengmaksimumkan Tabung Persaraan saya. Saya memerlukan sekurang-kurang RM1 juta sebelum bersara untuk hidup selesa. Cuba baca ini.

Jika anda berminat untuk mengetahui lebih lanjut lagi mengenai Unit Amanh(Unit Trust), saya amat berbesar hati untuk berkongsi dengan anda.

Welcome 2011

2010-12-31T18:23:00.006+08:00

Assalamualaikum...

Hello friends, it 2011....believe or not we are already in 2011. First of all, a very thankful to HIM for the long-life and the opportunity that He give to me.

Here, the first post for the year 2011..I'm feel so excited to write the first post..so enjoy the reading.

Hmmmmm....what my aim for the 2010?????

My aim to educate more people about saving/investing in unit trust..you know it is important to us to start saving now. Start to build your rainy day/emergency fund and retirement fund know. WHY??? Because you don't know what will happen in future...Since the inflation rate is increase from time to time...your emergency fund/ retirement fund should also grow bigger and bigger. Hmmmm....how to grow??? EPF fund + saving/investing in UNIT TRUST could help you to maximise the retirement fund. It is not guarantee but it is proven...

I should also increase the monthly saving percentage in order to make sure my emergency/rainy day fund is equal to 6 months of my monthly expenses. Before this I save 10% of my monthly income, and i would save hmmm.... probably 12% of my monthly salary. The emergency/rainy day fund is use for the unexpected expenses for the unexpected situation.

In order to ensure all my 2011 aim is achieve, I should become more discipline...you know in personal financial management the most important factor is SELF DISCIPLINE...it is hard to ensure you make monthly saving because nobody supervise you...it's only you and your money know what you do with your monthly salary. Especially if we are a shopholic..it is not wrong with shopping...because shopping is self therapy for some of us. But because you go shopping, you must ensure you have save at least 10% of your money, pay all your bill, loans and credit card...and the balance of the money it to pay for yourself...hmmm it is not easy right...that's why you need DISCIPLINE..

Hmmmm, i think this year i want to buy something for both of us(me and my wife)..what it is? BIARLAH RAHSIA....it depend on the budget and money situation..I hope i could buy that thing. I should put a lot of hardworking to buy that thing...

Lastly, I hope i could achive all he aim. May God bless me and give all the hapiness for me, my wife, my family and all of you...

Last word, if you do interested to save/invest in unit trust, please do contact me...

Goodbye 2010

2010-12-31T17:29:00.004+08:00

Hai friends, this is the last post for the 2010...let us memorize what was happen in 2010.

I start blogging in 2010..most of the blogger share about their personal life and thought. But i'm not good in sharing about my personal life. Because i think it's only can be share with my family and closed friend. Different people have different thought. And I decide to share about personal financial management. All the post come from my reading in Personal Money Magazines and much more. I really hope that, all the visitor that reading my blog can get some information and knowledge.

Besides that, I start become the MAAKL Unit Trust Advisor in 2010. Why i'm joining MAAKL Unit Trust Advisor? First, i have spare time in weekend, so i need activities that can beneficial me in term of time and money. Second, my intention to educate people about saving/invest in unit trust. Alhamdulilah, there are a few people that have grab the opportunity to save/invest in MAAKL Unit Trust fund. And thanks for all of them for the trust they have put on me. Insya-Allah, I will take care of your trust with responsible and professionally.

I bought my own house in 2010. Even though it is not really my dream house but i think it is worth for my investment. It is just apartment at the heart of Kuala Lumpur city. It is suit for two of us, me and my beloved wife.

I think it is great achievement for me in 2010. For all the blog reader, who are interested to know more about saving/investing in unit trust you're welcome to contact me...

SAVING

2010-12-28T16:22:00.003+08:00

Assalamualaikum..dan good day

The basic thing in Financial Planning is SAVING. Everyone talk about saving, and as Malay proverb say..."Sikit-skit, lama-lama jadi bukit." Why the saving so important.

Benefit of Saving

1. Rainy Fund/Emergency Fund
- save at least 10% of your monthly income into saving account. But please do not opt for ATM card. The objective of this saving is to use for the unexpected expenses for the unexpected reason. The emergency fund should be equal to 3 or 6 months of your monthly expenses.

2. Achieve the short term objective
- deposit for dream car
- married
- buy dream house ( deposit and renovation cost for the house)
- perform umrah or Haji

3. Children Education Fund

4. Retirement Fund
- For your information you can withdraw your EPF Account 1 for the unit trust investment. So that's mean you can maximise your EPF retirement Fund. Believe or not in future you need at least RM1 million to survive for the rest of your retirement life. It depend on your living style..

Where to save???

1. Saving Account - no risk, easy to access and suitable for the rainy fund purposes and it give very little return.

2. Tabung Haji - no risk and suitable for the Haji purposes.

3. Unit Trust - have a risk because the price are fluctuate according to the current economic condition. But the risk is minimal because it is supervise by the experience, committed professional and approved unit trust manager. The return is higher than saving account and ASB. It is not GUARANTEED but it is PROVEN... It is suitable for your short term objective, children education fund and retirement fund purposes.

When should i start to save???

When??? NOW...you should start now, don't wait...hurry up start now..because you don't know what happen in future...and you also should teach your children about SAVING. Before you teach them, you start first...because you're the perfect role model to them...

2011 GOODIES

2010-12-25T22:10:00.005+08:00

Goodies for our client....Notebook and 2011 Calendar from MAAKL Mutual Bhd.

Rainy Day Fund

2010-12-23T11:58:00.006+08:00

We should prepare an umbrella before it rains. This “Rainy Day Fund” is our umbrella and do ensure that it’s big enough to shield you when it rains (but make sure that there’re no holes!. So start building this fund now and it might just be your life-saver someday.

Source : AKPK

Protect your Income

2010-12-17T10:47:00.006+08:00

Good financial planning includes preparing for the unexpected. The best part about protecting your income against the risk of unemployment, accidents or sickness is that you get enjoy the amount accumulated in the vent you don't face those situations at the end of the day.

1. Emergency Savings
- it help us to protect against unforeseen expenses and loss of income
- we should start building our emergency funds at least three or six months of living expenses or income
- the emergency fund must be accessible such as saving account or short term fixed deposits.
- here, the key to success to build our emergency fund is DISCIPLIE

2. Diversify the income
- start building the passive income stream.
- we need to build up our financial knowledge
- invest in financial vehicles such as stocks, UNIT TRUST FUND or real-estate (this depend on our capital and attitude to the risk.)
- Here, we need PATIENCE and CONSISTENCY attitude.

3. Insurance
- disability
- critical illness
- total permanent disability
- personal accident
- life
- medical cards

Source : Personal Money December 2010

Maximising Your EPF

2010-12-15T09:47:00.004+08:00

When retirement comes, that's the time to sit back and enjoy the fruits of one's labour. For most Malaysians, unfortunately, it is too little, too late and all too common. Official statistics reveal that 95% of Malaysians run out of savings just 5 years after they retire. You don't have to be one of them. And it all starts with having a RETIREMENT FUND. So, let us share with you...how to maximising your EPF Retirement Fund.

Jemputan Untuk Menyimpan Di Dalam Unit Amanah ("Unit Trust)

2010-12-08T09:14:00.007+08:00

Saya dengan berbesar hati ingin menjemput anda semua untuk menyimpan di dalam MAAKL Unit Amanah.

Kelebihan dan Kepentingan Menyimpan Di Dalam Unit Amanah:

1. Nilai simpanan hari pencen semakin berkurang akibat inflasi yg meningkat.
Kajian oleh KWSP mendapati kira-kira 90% pencarum mempunyai kurang RM100,000 dlm akaun mereka dan lebih 70% akan kehabisan wang mereka dlm tempoh tiga tahun selepas mengeluarkan caruman selepas bersara.

2. Skim pelaburan melalui pengeluaran KWSP adalah mudah kerana TIDAK melibatkan duit tunai dan ia dibenarkan oleh kerajaan sejak 1996.

3. Simpanan bulanan juga adalah serendah RM100 sebulan dgn permulaan RM1000 tunai. Cara simpanan bijak sbg tabung pencen ke 2, atau utk tujuan tertentu yg melebihi 5 tahun (Pelajaran, Haji, Rumah dsbg nya). Merebut peluang melabur pada harga yg rendah sekarang.

4. Risiko yang lebih rendah berbanding anda melabur terus dalam saham.

5. Diuruskan oleh pengurus dana yang berpengalaman dan professional.

Cara Untuk Menyimpan Di Dalam Unit Amanah:

< Kelebihan Unit Amanah MAAKL:

Jika anda anda sebarang pertanyaan atau berminat untuk menyimpan di dalam Unit Amanah, sila hubungi saya. Saya amat berbesar hati untuk berkongsi peluang yang ada ini dengan anda semua. LET US SHARE WITH U....

Hijrah

2010-12-06T09:31:00.004+08:00

Sebenarnya hijrah membawa pengertian yang luas, keluar dari medan perjuangan yang sempit ke gelanggang yang lebih luas dan ia adalah pemisah di antara yang hak dengan yang batil. Ia juga merangkumi perpindahan kepada hidup yang lebih baik, lebih maju, lebih mulia dan lebih bermakna serta berada pada lingkungan rahmat dan keredhaan dari Ilahi. Tanpa sifat-sifat sanggup berhijrah, mustahil kejayaan akan tercapai dan kemajuan ummah tidak akan berhasil. Islam tidak menyuruh kita berdiam diri dan menunggu Tuhan memberi sesuatu kepada kita tanpa berusaha. Allah s.w.t telah berfirman di dalam surah Ar-Ra’d ayat 11 yang bermaksud:

"Sesungguhnya Allah tidak mengubah apa yang ada pada sesuatu kaum sehingga mereka mengubah apa yang ada pada diri mereka'."

Antara amalan disunatkan pada bulan Muharam:

1. Berpuasa.

Maksud Hadis: "Barang siapa berpuasa satu hari dalam bulan Muharam pahalanya seumpama berpuasa 30 tahun".

Maksud Hadis: "Barang siapa yang berpuasa tiga hari dalam bulan Muharam, iaitu hari Khamis, Jumaat dan Sabtu, Allah tulis padanya pahala seperti mana beribadat selama 2 tahun".

2.Banyakkan amal ibadat seperti solat sunat, zikir dan sebagainya.

3. Berdoa akhir tahun pada hari terakhir bulan Zulhijah selepas Asar sebanyak 3X

4. Berdoa awal tahun pada 1 Muharram selepas Maghrib 3X

SELAMAT MENYAMBUT TAHUN BARU HIJRAH. SEMOGA TAHUN INI MEMBAWA KEBAHAGIAN DAN KEJAYAAN DI DALAM HIDUP KITA. DAN YANG LEBIH PENTING SETIAP KEBAHAGIAAN DAN KEJAYAAN YANG DIMILIKI MENDAPAT KEREDHAAN DARIPADA ALLAH S.W.T

Simpanan Pelaburan Di Dalam Unit Amanah

2010-11-29T09:05:00.002+08:00

Sudahkah anda memulakan simpanan untuk persediaan alam persaraan anda nanti.

Jika YA, alhamdulilah...tahniah saya ucapkan kerana anda telah sedar kepentingan menabung untuk alam persaraan anda nanti. Hmmmm....boleh saya tahu di mana anda menyimpan? Saving account, EPF, Fixed Deposit, Tabung Haji...CUKUP KE? Sebab berdasarkan penyelidikan yang dijalankan, anda memerlukan sekurang-kurangnya RM1 juta untuk bersara dengan bahagia. Itupun bergantung kepada gaya hidup anda.

Jika TIDAK, rasanya belum terlambat lagi bagi anda untuk memulakannya. Setidak-tidaknya anda sedar dan ingin untuk menabung. Mungkin anda tidak tahu bagaimana caranya.

Disini, saya ingin mengajak anda untuk membuat simpanan melalui pelaburan di dalam Unit Amanah bersama-sama dengan MAAKL Mutual Bhd.

Unit Amanah/Unit Trust...? Apa itu? Tak pernah dengar pun. Eh, ini skim cepat kaya ke? Taknak le, nanti rugi. Kata boleh untung cepat, boleh kaya cepat, padahal tak dapat apa2 pun.

Sabar, dengar dulu penjelasan saya.

Unit Amanah adalah suatu alat pelaburan kolektif, di mana suatu bentuk pelaburan kolektif yang membolehkan pelabur-pelabur yang mempunyai ojektif pelaburan yang sama mengumpulkan wang mereka, dan kemudian dilaburkan ke dalam portfolio sekuriti atau aset lain yang diuruskan oleh pengurus-pengurus dana professional.(FFIM)

Unit Amanah bukanlah skim cepat kaya kerana dana-dana tersebut diuruskan oleh pengurus dana yang professinal di dalam bidang pelaburan dan mendapat kelulusan. Di samping itu juga dana-dana tersebut diuruskan berdasarkan Garis Panduan yang telah ditetapkan oleh Suruhanjaya Sekuriti. Dan kebiasannya tempoh matang dana tersebut lebih daripada 3 tahun.

Malah pihak KWSP sendiri membenarkan ahlinya untuk mengeluarkan simpanan didalam AKAUN 1 untuk tujuan pelaburan di dalam Unit Amanah.

Kenapa saya kena melabur di dalam Unit Amanah. Saya dah simpan dalam Akaun Simpanan, Tabung Haji, Fixed Deposit lagipun saya sudah ada KWSP. Cukup le?

Berikut adalah alasan kenapa anda MESTI menyimpan/melabur di dalam Unit Amanah.

1. Nilai simpanan hari pencen semakin berkurang akibat inflasi yg meningkat.
Kajian oleh KWSP mendapati kira-kira 90% pencarum mempunyai kurang RM100,000 dlm akaun mereka dan lebih 70% akan kehabisan wang mereka dlm tempoh tiga tahun selepas mengeluarkan caruman selepas bersara.

2. Skim pelaburan melalui pengeluaran KWSP adalah mudah kerana TIDAK melibatkan duit tunai dan ia dibenarkan oleh kerajaan sejak 1996.

3. Simpanan bulanan juga adalah serendah RM100 sebulan dgn permulaan RM1000 tunai. Cara simpanan bijak sbg tabung pencen ke 2, atau utk tujuan tertentu yg melebihi 5 tahun (Pelajaran, Haji, Rumah dsbg nya). Merebut peluang melabur pada harga yg rendah sekarang.

4. Risiko yang lebih rendah berbanding anda melabur terus dalam saham.

5. Diuruskan oleh pengurus dana yang berpengalaman dan professional.

Tetapi kenapa dengan MAAKL Mutual berhad?

MAAKL mempunyai keistimewaannya yang tersendiri. Berikut adalah alasan-alasan kenapa anda mesti menyimpan dengan MAAKL Mutual Berhad.

1. Pengurusan Terbaik Maakl Mutual Bhd sbg pemegang sahamnya.

2. Dananya terbukti lebih mantap dgn mendapat pengiktirafan “Leader” oleh Lippers & Morning Stars.

3. Pengalaman terkumpul 88 tahun Pengurusan yg berpengalaman luas.

4. Pelaburan Dana adalah selari dgn sektor ekonomi negara.

5. Dipantau oleh Penasihat Pelaburan yg komited.

Jika beminat untuk mengetahui dengan lebih lanjut atau anda mungkin telah tergerak hati untuk memulakan simpanan melalui pelaburan Unit Amanah, sila hubungi saya di alamat email asyrafwd@gmail.com atau sms no. 012-958 9759.

Saya amat berbesar hati sekiranya dapat berkongsi PELUANG yang ada dengan anda semua.

Is savings enough for retirement?

2010-11-18T14:38:00.006+08:00

Retirement may not be the foremost concern for young adults in the prime of their lives. But that does not mean they are oblivious to the fact that they may need to have financial reserves for a rainy day.

FOR many young adults, retirement is not something they are thinking about at this stage of their lives.

According to the findings of the AXA Retirement Scope 2010, a global retirement study conducted across 26 countries in Europe, the United States and Asia, the percentage of the Malaysian working population who have started preparing for their retirement has declined from 48% in 2007 to 38% in 2010. The study also shows that among the 38% who have started to prepare for retirement, most of them did so only at or near age of 40. Meanwhile, 46% said they would start to prepare for retirement when they hit 50.

Reason for them refuse to think about retirement fund:
a) life still has a lot to offer
b) the process of winding down an active lifestyle and retiring is, quite simply, not high on their list of things to do.
c) looking forward to spending many happy years
d) the priority now is to ensure they have successful career.

Findings of the AXA Retirement Scope 2010 survey confirm the general perception that only 14% of the Malaysian working population know exactly how much their retirement income should be.

What THEY do?
a) early preparation for retirement
b) saving
c) insurance premium
d) investment - share/unit trust
e) property investment
f) enjoy the life after all the above have been consider

Source : Is savings enough for retirement?

Investing For Retirement With Unit Trusts

2010-11-11T11:16:00.003+08:00

In view of the high cost of living and the uncertain trend in future living costs, Malaysians cannot take for granted that they will have sufficient savings to live comfortably through their retirement years.

The key question is not whether a savings rate of 36% is enough but whether the investment return on savings is sufficient to fund our retirement needs.

Unit trust funds not only can deliver consistently healthy rates of return over the medium to long term, they also offer investors a wide range of choices ranging from global funds, regional-cum-domestic funds, to balanced funds and bond funds.

They key question that the investor should answer before investing for their retirement life are:

a) What is the rate of investment returns necessary to achieve his or her retirement goals?
b) Which investment instrument can deliver it?
c) How much is the level of spending you reckon you'll fairly comfortable with in your old age?
d) How much can living expenses rise over the years?
e) Will you continue to earn some income through some form of entrepreneurial work or personal investing?
f) Do you wish to maximise the amount of money to pass on to your children, or is a regular stream of cash flow more important during your post retirement days?

There are no hard and fast solutions about investing for your retirement but you will already have a hint that most of the answer are based on what you know about yourself, your current lifestyle and the investment opportunities available

The principles of investing for retirement is to save and invest during your current working life, in order to achieve a certain level of total saving and it's including your EPF savings by the time you wish to retire.

The challenge about investing for retirement are:

a) To estimate the rate of future inflation
b) What investment fund can deliver the target investment return that you are aiming for.

Source : TF Today

How Unit Trust Investment Benefit the Malaysian Economy

2010-11-08T09:24:00.007+08:00

The money that individual investor put in unit trust will be pooled together by the asset management companies and invested in the stock and bond markets.

These investment will create demand for selected securities of listed companies to expend their operations.

The growth in the companies will create jobs, and result in higher growth for the economy as a whole

Once the unit trust investment have grown larger through capital gains, individual investors can either maintain their investment or withdraw the money.

This withdrawal of proceeds can be either used for spending, investing in properties, or education for their children.

The investment process facilitated by the unit trust industry benefits the whole Malaysian economy as it enhances the human capital of the country through greater knowledge of investments and the financial capital of the country through higher economic growth.

Source : UT Today, Vol.8, 2010

Getting Your Dream Retirement

2010-11-02T09:50:00.004+08:00

Retirement picture represent the dreams and desires that you have put aside while dedicating yourself to your career and current lifestyles.

1. Define the value of your retirement dreams

Why is it important to achieve the dream?

What does it give you when you achieve it?

Your retirement dreams must be positively stated, understandable, relevant, ethical and aligned with your value.

2. Check your financial status and quantify your goals

How much money you need to finance your dreams

3. Setting priorities

Define what is really important to your life

The retirement dream is better to cover the basic necessities before considering the discretionary spending and luxuries

4. Work towards your goals

Start now!!!!!

SAVING - EPF, Saving account, ASB, Tabung Haji

INCREASE SAVING - Unit trust, EPF Member's Saving Investment withdrawal

Happiness Needs Sacrifice

Tell yourself that the result do not come quickly and you need to be patient

5. Review your plan

The life stage will influence your retirement dreams

The retirement plan just show you the projections of the amount you will have at retirement and the amount needed to achieve your retirement dreams.

Therefore, your have to review your retirement plan, maybe once a year.

Source : Personal Money, Issue Oct 2010

SMART

2010-10-26T10:06:00.004+08:00

Sasaran Pelaburan Anda

Specific atau Spesifik: Apakah sasaran kewangan anda? Kenapa kita perlu melabur wang kita? Anda perlu menentukan apa yang anda ingin kecapi dan lebih penting lagi, kenapa ia penting buat diri anda.

Measurable atau Boleh Diukur: Berapa banyak wang yang anda perlu melabur untuk mencapai sasaran yang telah anda nyatakan? Berapa banyak wang yang mampu anda melabur? Sasaran yang tidak dapat diukur berkemungkinan besar tidak dapat dijamin.

Achievable atau Boleh Dicapai: Apakah kadar pulangan atas

pelaburan anda untuk mencapai sasaran-sasaran anda? Apakah

kadar yang boleh dicapai dalam julat had toleransi risiko anda? Kejayaan mencapai sasaran pelaburan anda bergantung sebahagiannya pada profil Pulangan-Risiko anda

Realistic atau Realistik: Apakah jenis pengorbanan yang anda sanggup lakukan demi mencapai sasaran anda? Bersikap realistik tentang kemampuan anda untuk membuat pengorbanan yang diperlukan.

Timeframe atau Rangka Masa: Berapa lamakah anda perlu melaburkan wang untuk mencapai sasaran anda? Tetapkan rangka masa dan pantau perkembangan anda dari masa ke semasa.

Source : http://www.akpk.org.my/Articles/DewasaYangMuda/SiriAlisa/MembinaKekayaan/tabid/352/Default.aspx

Pilihan Pelaburan

2010-10-22T15:45:00.006+08:00

Faedah Pelaburan Tetap & Tunai

1)Tujuan Pelaburan:
a) Digunakan sebagai akaun transaksi
b) Untuk menyimpan wang tunai bagi belanja jangka pendek dan sebarang kecemasan
c) Bagi simpanan jangka pendek sekiranya anda tidak mampu mendedahkan modal anda
kepada sebarang risiko

2) Cth : akaun simpanan bank, simpanan tetap dan pelaburan pendapatan lain seperti bon kerajaan

3) Kriteria : selamat, risiko rendah, pulangan rendah

Saham

1) Tujuan pelaburan : menikmati pulangan yang tinggi

2) Kriteria : risiko tinggi, pulangan tinggi

3) Nasihat kepada pelabur:
a) Buat kajian sebelum melabur - ketahuilah bagaimana syarikat tersebut membuat duit serta prospek masa depannya
b) Tetapkan sasaran pulangan anda – ketahuilah bila masanya untuk meraih keuntungan dan jangan sekali-kali bersikap tamak
c) Tetapkan tahap kerugian anda – ketahuilah bila masanya untuk menghindari kerugian yang lebih besar dan jangan terlalu mengikut perasaan
d) Jika anda yakin tentang prestasi sesebuah syarikat serta prospek pertumbuhannya, anda mungkin ingin mengguna pakai strategi “Beli & Simpan” bagi jangka masa panjang

Dana Amanah Saham

1) Sesuai bagi meraka:
a) Baru kepada dunia pelaburan
b) Tidak tahu atau tidak mahu tahu cara melabur sendiri dan sanggup mendapat khidmat pengurus dana profesional dalam pemilihan pelaburan
c) Mempunyai sejumlah wang yang kecil untuk melabur (dengan mempunyai pilihan untuk membuat sumbangan tambahan secara tetap)
d) Sedang mencari kepelbagaian untuk meminimumkan risiko

Hartanah

1) Sesuai bagi mereka:
a) Tidak memerlukan pengeluaran wang bagi sebarang "kecemasan"
b) Mempunyai horizon pelaburan jangka masa panjang
c) Mempunyai keupayaan untuk menjelaskan semua pembayaran balik gadai janji - walaupun kadar faedah semakin naik atau harta tanah tersebut tidak disewa oleh sesiapa.

Simpanan

2010-10-20T08:49:00.003+08:00

'Sikit-sikit, lama-lama jadi bukit'...mungkin kita sudah biasa mendengar pepatah ini di dalam kehidupan kita. Tetapi persoalaannya, adakah kita mempraktikkan pepatah ini di dalam kehidupan kita? Tepuk dada tanya selera. Hanya kita sahaja yang tahu sejauh manakah kita mempraktikkan pepatah ini.

Sebenarnya, bukan pepatah ini yang saya ingin kupaskan di dalam coretan saya kali ini. Adakah anda setuju jika saya katakan pepatah ini selalu dikaitkan dengan menyimpan duit?

Dalam perancangan kewangan, terdapat tiga(3) peringkat yang perlu kita lalui iaitu 'PROTECTION', 'ACCUMULATION' dan 'DISTRIBUTION'.Di sini saya ingin coretkan dengan lebih lanjut lagi mengenai 'ACCUMULATION'/PENGUMPULAN.

Dari kecil lagi kita dididik untuk menyimpan, tetapi apa tujuan sebenarnya kita menyimpan. Mungkin zaman sekolah dulu, kita menyimpan untuk membeli barang permainan idaman kita. Tetapi bila kita sudah meningkat dewasa kini, adakah kita menyimpan untuk membeli barang permainan?

Bila kita sudah meningkat dewasa, kita mempunyai keinginan yang lebih besar seperti membeli kereta idaman, memiliki gadis pujaan, membeli rumah idaman dan bersara dengan aman.

Di sini saya ingin berkongsi pengalaman dan pendapat, bagaimana cara saya untuk mencapai segala keinginan dan impian saya.

Saya telah memulakan simpanan saya semasa saya belajar di universiti. Semasa belajar di universiti, saya membuat pinjaman pelajaran dan setiap bulan saya akan mendapat elaun bulanan. Saya akan memastikan setiap bulan saya akan menyimpan RM50 di dalam akaun simpanan. Berkat simpanan tersebut, saya boleh memiliki sebiji motor untuk memudahkan saya ulang alik ke tempat praktikal di Damansara.

Alhamdulilah, selepas tamat belajar saya terus mendapat tawaran kerja di tempat praktikal saya. Setelah berada di alam perkerjaan, saya meningkatkan lagi jumlan simpanan bulanan saya iaitu 10% daripada gaji kasar. Tetapi kali ini saya tidak menyimpan di dalam akaun simpanan, sebaliknya saya simpan di dalam ASW. Ini adalah kerana, ASW memberi pulangan yang lebih tinggi berbanding akaun simpanan. Tujuan simpanan saya kali ini adalah untuk memiliki kereta dan gadis idaman saya. Alhamdulilah, setahun bekerja saya mampu bayar deposit sebuah kereta.

Untuk tahun kedua bekerja, saya meningkatkan % simpanan bulanan saya ke 11%. Jika ada kenaikkan gaji atau bonus tahunan, saya akan menyimpan 50% daripada jumlah kenaikkan gaji dan bonus tahunan ke dalam ASW.

Alhamdulilah, pada tahun ketiga iaitu pada usia 25 tahun saya telah berjaya memiliki gadis pujaan saya dan kini kami telah menjalani kehidupan sebagai suami isteri dengan bahagia.

Saya terfikir bagaimanakah cara untuk menyimpan dan pada masa yang sama mendapat pulangan yang tinggi, memandangkan pada masa hadapan komitmen saya akan bertambah. Ini adalah kerana, bagi saya pulangan yang diberikan oleh ASW dan EPF kurang memberangsangkan. Untuk melabur di pasaran saham, memerlukan modal yang tinggi, pengalaman dan pengetahuan yang tinggi di samping perlu menghadapi risiko yang tinggi. Akhirnya, saya ditemukan dengan seorang 'Unit trust adviser' dari MAAKL Mutual Bhd. Setelah mendengar penjelasan yang terperinci daripada beliau, saya telah memutuskan untuk melabur di dalam unit trust. KENAPA? kerana pulangan yang lebih tinggi dan risiko yang lebih lebih rendah dan dana yang ditawarkan berlandaskan prinsip syariah.

Saya memulakan pelaburan dengan membuat 'regular saving' sebanyak RM100 setiap bulan ke dana Al-Fauzan. Di mana dana ini memberi dividen tahunan. Alhamdulilah, setelah 3 tahun melabur, pelaburan saya telah menampakkan hasil. Insya-Allah, jika diizinkan Allah saya bakal memiliki rumah sendiri tahun hadapan.

Dan kini, saya telah melabur sejumlah duit EPF ke dalam unit trust untuk memaksimumkan tabung persaraan saya. Kerana pada pendapat saya, kita tidak boleh berharap 100% pada EPF saya memandangkan cara hidup dan kadar inflasi yang semakin tinggi. Saya ingin memastikan saya sekeluarga hidup bahagia apabila tempoh persaraan saya sampai nanti.

Kesimpulannya, apa yang penting di dalam menyimpan adalah sikap kita sebagai penyimpan. Kita perlu berdisplin dan tegas di dalam menyimpan untuk mencapai objectif simpanan kita. Jangan hangat-hangat tahi ayam sahaja.

Rancang Persaraan

2010-10-06T08:33:00.006+08:00

Bersara ikut kehendak atau apabila sudah tiba masanya?

1. Seseorang itu boleh bersara sama ada mengikut kehendak ataupun apabila sudah tiba masanya.

Kita boleh bersara mengikut kehendak jika tabung persaraan kita cukup untuk menampung kehidupan kita selepas bersara. Melainkan anda bekerja dalam perkhidmatan awam dengan dana pencen yang mencukupi.

2. Kita juga mungkin terpaksa bersara apabila sudah tiba masanya. Bila kita sudah sampai umur persaraan atau mungkin apabila kita menghidap penyakit yang memerlukan kita berehat. Jadi kita terpaksa bersara.

Berapa jumlah wang yang diperlukan?

Persoalan ini bergantung kepada gaya hidup persaraan yang dingini dan juga jangka hayat anda. Semakin mewah gaya hidup itu, semakin tinggilah 'angka' yang diperlukan.

Menabung, melabur di mana?

Menabung dan melabur di mana bergantung kepada persoalan berapa banyak pulangan yang anda ingini dan berapa tinggi risiko yang sanggup anda hadapi. Semakin tinggi pulangan yang anda ingini semakin tinggi risiko yang anda harus hadapi.

Jika anda seorang yang 'conservative' anda boleh menyimpan di dalam akaun simpanan, fixed deposit, tabung haji, asb dan EPF. Tetapi pulangan yang diberi tidaklah terlalu tinggi dan mungkin tidak mencapai objective anda.

Jika anda seorang 'risk taker' anda mungkin boleh melabur di dalam saham. Sama ada melabur terus di pasaran saham atau melabur di dalam unit trust. Pulangan yang diberi adalah tinggi tetapi terdapat risiko yang harus anda hadapi. Ini adalah kerana pasaran saham ada naik dan turunnya bergantung kepada keadaan ekonomi negara dan juga dunia. Oleh sebab itu anda harus bersedia menghadapi risikonya.

Kesimpulan;

Sama ada anda seorang pekerja atau bekerja sendiri, tabungan persaraan mestilah dianggap suatu keutamaan buat diri anda dan keluarga.

Akan tiba masanya anda sam ada akan memilih untuk bersara atau sebaliknya. Ini perlu bergantung pada tabungan anda (melainkan anda dalam perkhidmatan awam dengan dana pencen yang mencukupi).

Lagipun anda mungkin mahu membayangkan kehidupan persaraan anda dan tahu bagaimana anda ingin menghabiskan waktu anda secara produktif dan memanfaatkan.

Jangan anggapnya sebagai suatu penghujung tetapi sebagai suatu permulaan ke arah hidup yang paling indah dalam hayat anda.

Source : Berita Harian, 2 October 2010

MAAKL Declares Gross Distribution for MAAKL Al-Fauzan

2010-10-01T13:39:00.003+08:00

MAAKL Mutual has declared a gross distribution for its MAAKL Al-Fauzan for the financial year ending 30 September 2010.

The gross distribution is as follows:

MAAKL Al-Fauzan is an Islamic equity income fund which invests in Shariah-compliant stocks

which have good dividend payout policies and reasonable medium- to long-term capital

appreciation opportunities. The Fund seeks to provide unit holders with a steady recurring

income that is potentially higher than prevailing General Investment Account (GIA) rates. At the same time, the Fund also attempts to attain medium- to long-term capital appreciation.

MAAKL Al-Fauzan is designed for investors who prefer a regular income stream, stable

investment returns and potential for medium- to long-term capital appreciation of between 3 and 5 years. It is suitable for conservative investors who seek relatively higher return than GIA rates but are averse to higher risks associated with high equity exposures, and investments which comply with Shariah requirements.

Source : https://www.maaklmutual.com.my

8 Rules for Managing Your Withdrawals

2010-09-29T09:48:00.004+08:00

"Investment is personal, so it is impossible to say what is right for everyone. Individuals will have different level of wealth and risk tolerance. What is definite, though is that individuals should be making well-informed decisions based on education, personal advice and choice." - Iain Brown, partner at UK Pensions Advisory Practice, London.

Here a set of rule to guide you in investment decision making.

1. Should you withdraw your EPF money for unit trust investment?

- Are you ready?

- How you view risk vs return?

2. Weigh the risk that you want to take

- Conservative person - stay accumulate your retirement saving in EPF

- Seek for higher return - go for higher risk unit trust fund (balance and/or equity fund).

3. Decide on the fund manager

- How? - past performance of the funds

- it is ok if you want to invest in different fund houses

- but you only allowed to invest in one fund house for each EPF withdrawal.

4. Decide if you want foreign exposure

- Fund with foreign exposure provide investment opportunities by taking advantage of the different economic cycles experienced by different countries.

- Going foreign means that you must be willing to accept for more volatility.

5. Monitor your investment.

- UNDERSTAND why your funds are performing in way they are

- continue to study the fund houses and their managers

- monitors the outlook of the sectors or markets that the fund invested

6. Decide the frequency of investing

- Unit trust investment via your EPF withdrawal can be made at three month intervals

- withdrawing your EPF money periodically for unit trust investment could help smooth out the volatilities of your investment over the long run and is closely related to the strategy of ringgit cost averaging.

7. Decide on the fund house with which to cost average

- Make sure that you invest in a fund that has a lower unit pricing that the previous entry

- but when the markets move down, you need to decide the allocation based on the expected performing sectors.

8. Switch to a money market fund or back to EPF?

- at any point of time, you can decide to exit the investment by divesting or switching your investment in another fund.

- all EPF investor are advised not to look for short term gain or losses, it is because investment in unit trust is for long term.

- Usually unit trust advisor will advised client to lock in their gains by switching to the money market fund. WHY?

a) miss out on the opportunities present over the time because of the withdrawal processing

b) 3% sales charges for new processing VS free switching

- consider to moving your money back to EPF WHEN:-

a) achieved the expected return

b) undecided on the fund house that you wish to stick with

c) comfortable with EPF returns

Source : Personal Money issue September 2010

Unit Trust menguntungkan TETAPI kenapa ada yang rugi?

2010-09-27T08:48:00.003+08:00

1. Kurangnya maklumat atau pendedahan mengenai pelaburan di dalam Unit Trust.

Anda boleh mendapat maklumat mengenai unit trust melalui 'Licensed Unit Trust Advisor' ataupun melalui pembacaan di dalam majalah yang berkaitan.

2. Mahu cepat kaya / cepat untung.
Unit trust bukan seperti skim Cepat kaya, di mana melabur hari nie esok lusa boleh nampak untung. Unit trust adalah pelaburan jangka panjang, di mana hasil pelaburan boleh dilihat selepas 3 tahun (minimum).

3. Unit Trust = Saham?????
Ramai orang menganggap, simpanan di dalam unit trust adalah sama seperti melabur di stock market di Bursa Malaysia. Sebenarnya, terdapat perbezaan di antara melabur di dalam unit trust dengan melabur terus di dalam pasaran saham. Di antaranya ialah

a. Risiko melabur di dalam unit trust lebih rendah.

b. Unit trust diuruskan oleh fund manager yang professional dan berpengalaman di dalam pelaburan

4. Pengaruh dari rakan rakan.
Sikap suka mendengar cakap rakan rakan yang negatif dan sememangnya tidak tahu langsung selok belok simpanan di dalam unit trust. Nasihat saya - dapatkan penerangan yang jelas dari mereka yang arif.Jangan mudah terpengaruh dengan cerita cerita yang tidak elok.

5. Tidak konsisten dan terpesong dari tujuan asal simpanan.
Seperti yang diterang di atas, pelaburan di dalam unit trust adalah untuk jangka panjang. Untk melihat untung di dalam pelaburan anda, anda memerlukan sikap displin, objective dan sabar. Berdisplin dengan membuat monthly saving di dalam unit trust. Berobjectif di dalam membuat simpanan iaitu untuk masa persaraan nanti. Dan sabar menunggu keuntungan selepas 3 tahun. Return in unit trust is not guarantted but it is proven.

6. Consultant yang tidak bertanggungjawab.
Untuk maklumam anda, terdapat perpuluh ribu unit trust konsultant dan adviser di Malaysia ini. Tetapi untuk mendapat konsultant/adviser yang bertanggungjawab, professional dan kommitted mungkin 1 dalam seribu. Bagaimana untuk mencari konsultant/adviser seperti ini? Ini boleh dilihat semasa konsultant tersebut memberi penerangan dan bagaimana beliau menjawab pertanyaan anda.

Saya sebagai MAAKL Unit Trust Adviser akan menjaga amanah yang diberikan oleh anda dengan penuh tanggungjawab . Dan saya akan menjaga wang simpanan Pelabur sebagaimana saya menjaga wang saya sendiri. Amanah yang diberikan adalah satu penghargaan kepada kami.INSYA ALLAH.

KWSP + UNIT AMANAH = MAKSIMAKAN SIMPANAN ANDA

2010-09-24T08:36:00.003+08:00

Bermula dari 1 Febuari 2008, KWSP telah mengubah kelayakan pelaburan bagi para pencarum mengikut umur pencarum.Sila rujuk link ini atau pada lampiran yang disertakan untuk tujuan Pengiraan Kelayakan Pengeluaran.

Salah satu objektif perubahan tersebut adalah bagi memberi pilihan kepada anda untuk melabur sejumlah wang yang layak dilaburkan ke dalam mekanisma pelaburan yang berpotensi memberikan pulangan yang lebih tinggi.

Dengan itu, wang caruman anda tidak semata-mata bergantung kepada pelaburan KWSP bagi simpanan hari tua anda. Anda mampu menggandakan simpanan dalam akaun 1 , akaun persaraan anda apabila menyimpan sebahagian ke dalam Unit Amanah.

MENGAPA SAYA BERKATA DEMIKIAN ??? Dengan mengambil langkah membuat agihan ke dalam Unit Amanah anda telah BERJAYA memaksimakan simpanan anda IAITU anda telah membuka peluang utk mendapat dividen dari KWSP + dividen dalam Unit Amanah.

KWSP + UNIT AMANAH = MAKSIMAKAN SIMPANAN ANDA
Melalui pelaburan Unit Amanah wang persaraan dapat dikembangkan pada kadar pulangan yang lebih tinggi berbanding kadar dividen KWSP. Menggunakan Rule of 72, wang persaraan boleh digandakan dalam tempoh masa yang lebih singkat! Ini adalah peluang baik bagi pencarum muda KWSP!

Contohnya, jika anda mempunyai RM100,000 di dalam KWSP hari ini dan katakan purata kadar dividen tahunan adalah 6% setahun, wang anda berganda dalam tempoh 12 tahun ( 72 bahagi 6). Sebagai alternatif , jika wang tersebut di laburkan ke dalam Unit Amanah yang berpotensi memberi purata kadar pulangan 10% setiap tahun, wang anda akan berganda dalam tempoh 7.2 tahun (72 bahagi 10).
CADANGAN KEPADA PELABUR MUDA KWSP
1. Melabur dengan objektif simpanan hari tua dari caruman KWSP anda Fokus kepada objektif pelaburan jangkamasa panjang.

2. Melabur secara tetap dalam tempoh 3 bulan tanpa mengira pasaran sedang kukuh atau jatuh. Anda dinasihatkan untuk mengikut tarikh pelaburan yang telah benarkan oleh KWSP supayat idak terlepas peluang untuk menggandakan wang simpanan hari tua anda

3. Gunakan strategi Dollar Cost Averaging untuk mengumpul lebih banyak unit pelaburan di samping mengurangkan risiko pelaburan.
4. Pelbagaikan pelaburan ke dalam dana-dana yang mempunyai kelas asset yang berbeza bagi mengurangkan risiko pelaburan dan memaksimumkan pulangan.Sila berbincang dengan Perunding Unit Amanah anda.

MENGAPA MELABUR MENGGUNAKAN WANG KWSP?
MODAL SEDIA ADA. Anda hanya menggunakan 20% sahaja wang simpanan KWSP dari Akaun 1, untuk dilaburkan ke dalam pelaburan Unit Amanah. Kini, anda tidak perlu bersusah payah mencari wang tunai untuk dilaburkan.

DANA SYARIAH. Wang dilaburkan ke dalam unit amanah berasaskan syariah dan ini akan memberikan ketenangan kepara pelabur.

POTENSI PULANGAN LEBIH TINGGI. Unit Amanah telah menunjukkan rekod dan potensi untuk memberi pulangan lebih tinggi berbanding mekanisma pelaburan/simpanan lain seperti Fixed Deposit mahupun KWSP.

PENGGANDAAN SIMPANAN HARI TUA ANDA LEBIH CEPAT. Mengikut Rule 72, wang simpanan hari tu anda dapat digandakan dengan lebih cepat kerana pulangan yang lebih tinggi. Sebagai contoh, wang RM100,000 akan berganda dalam tempoh 7.2 tahun pada kadar pulangan 10%/tahun ( kadar purata Unit Amanah) berbanding 12 tahun pada kadar pulangan 6%/tahun ( kadar purata KWSP)

Semoga artikel ini memberi manfaat kita bersama! Kepara para pencarum KWSP luar sana, ambil tindakan sekarang dengan menghubungi saya SEGERA. Sila lihat helaian prestasi dana untuk kadar pulangan yang telah dijana oleh unit trust MAAKL MUTUAL BERHAD.

Wan Khairul Asyraf

Unit Trust Adviser ( UTA )
MAAKL MUTUAL BERHAD

HP#012 958 9759

FBM KLCI likely to climb higher

2010-09-20T15:04:00.001+08:00

FBM KLCI likely to climb higher

Summary:-

THE local stock market's key index is likely to climb higher this week, with banks and other blue-chip stocks continuing to be the main focus of investors.

The stock market will likely continue to move higher this week on further buying momentum as more traders and investors get back from the Hari Raya holidays, technical analysts say

The stock market turned in a solid performance last week on the back of strong foreign interest, with the FTSE Bursa Malaysia Kuala Lumpur Composite Index (FBM KLCI) peaking at a fresh 32-month high of 1,474.44 points on Wednesday, before ending the week lower at 1,466.97.

The buying was mainly on blue chips, but interest in mid-cap stocks and lower liners may soon gain momentum if retail investors start to come in.

Stocks that could be in the spotlight this week include EON Capital Bhd, whose major shareholder took the directors to court to prevent the banking group from being taken over by bigger rival Hong Leong Bank Bhd.

Read more: FBM KLCI likely to climb higher http://www.btimes.com.my/Current_News/BTIMES/articles/btb17/Article/#ixzz103BPugQ5

EPF size continues growing, good Q2

2010-09-08T08:47:00.001+08:00

EPF size continues growing, good Q2

Summary :-

At the end of June this year, the Employees Provident Fund (EPF) has total assets of RM407 billion: that's more than half of the size of the Malaysian economy, forecast to be RM712 billion this year.

Economists agreed that EPF's asset size has grown tremendously over the past several years. Back in 2006, its fund size was about RM260 billion and 80 per cent of its funds were invested in domestic fixed-income with the rest in domestic equities.

Today, not only is EPF investing in private equities and properties, it is also investing overseas, but that also has it sets of challenges.

An analyst suggested that EPF should give more leeway and flexibility to contributors when it comes to how they want their savings to be invested. This means allowing contributors to take their savings of any amount to a unit trust or fund manager of their choice.

Source : http://www.btimes.com.my/Current_News/BTIMES/articles/epf07/Article/index_html#ixzz0ytXMctMo

Selamat Hari Raya Aidilfitri

2010-09-06T10:25:00.003+08:00

Ketika ramadhan telah lepas
Tiada dzikir yang lebih pantas
Selain takbir bagi pemilik ‘Arsy
Ketika takbir telah bergema
Tiada yang lebih bermakna
Selain pintu maaf yang dibuka
Selamat lebaran, semoga diterima amalan
yang ikhlas dilakukan, selama Ramadhan

Kala ramadhan telah pergi
Takbir berkumandang di hari fitri
Lapar dahaga yang kita lalui
Semoga berbalas pahala ilahi
Dengan tangkupan sepuluh jemari
Kumohon maaf setulus hati

Di saat berkilau embun pagi
Dan merekah sinar mentari
Satu kupinta kepada ilaahi
Semoga jiwa kembali suci
Selamat Hari Raya Idul Fitri

Daripada kami AsyrafNora

Ciri-ciri Saham Amanah Islam

2010-09-02T08:25:00.002+08:00

Ciri utama yang membezakan pengurusan dana Islam daripada pelaburan konvensional ialah pematuhan kepada undang-undang Syariah.

Antaranya ialah:-

a) hanya melabur di dalam syarikat yang memenuhi kehendak Syariah

b) tidak boleh melabur dalam bank konvensional yang menawarkan produk dengan kadar faedah tetap

c) Menghindari daripada membuat pelaburan dalam syarikat yang terbabit dalam produk yang dilarang undang-undang Islam

d) hanya boleh bergiat dalam menerusi penggunaan instrumen kewangan Islam

Bagi melindungi kepentingan pelabur, Suruhanjaya Sekuriti (SC) telah menubuhkan Majlis Penasihat Syariah (SACSC) untuk mengawal selia dana Islam di MAlaysia.

Sumber : Berita Harian, 31 Ogos 2010

4 Rules For Retirement Investing

2010-08-25T08:50:00.002+08:00

We can't control factors like life expectancy and health conditions, but there are parameters within retirement investing that we can handle. Learning about these parameters allows you to achieve your retirement goals without having to compromise too much of your retirement years and lifestyle.

Here are four rules for retirement investing:

1. Start Early

- Don't procrastinate

- and being consistent.

2. Separate your investment pots

- this is because each portfolio needs a different allocation mix, depending on your time horizon and final portfolio value for each goal.

3. Count on compounding

- it is better to lock in some profits by transferring or switching to less volatile assets.

4. Diversify your retirement portfolio

- to reduce the portfolio's volatility

- to protect your retirement investing from suffering a tremendous fall in value

Source : Personal Money issue July 2010

Everything is about Unit Trust

2010-08-19T08:26:00.003+08:00

For whom are unit trusts most suitable?

- Unit trusts are a simple and convenient investment option for people who have a long-term investment horizon but do not have either the time, desire, or expertise to invest directly in financial markets.

- Unit trusts can be particularly suitable for smaller, first time investors as they offer the opportunity to establish a broadly diversified portfolio of assets with a relatively small amount of money.

- However, larger investors can also benefit from unit trusts as they provide access to the expertise of professional investment managers.

How Unit Trust Work?

- When you invest in a unit trust fund, your money buys 'units' in that fund, at a price that is struck for that particular day.

- Over the period in which you invest, the unit trust price will move up and down as the value of the investments with the unit trust fund rise or fall.

- Returns from a unit trust fund are typically calculated based on movements in the bid (or withdrawal) unit trust price and assume any income distributions paid to investors are reinvested in the fund as additional units.

Spending....

2010-08-16T09:03:00.002+08:00

When you suffer from excessive spending syndrome, your wealth optimization efforts will face the following problems:

The more we spend, the less we save. As a result, we have fewer resources for investing and growing our wealth.

The more we spend, the more we need to sustain during retirement. It is because, when we spend the bulk of your income to maintain your current lifestyle, you create a huge challenge. That is to maintain your life style in the event that your active income ceases.

The more we spend, the higher the rate of return on investment (ROI) needed. If we spend more and save less, we need to take more risk in wealth accumulation planning. It is because the less you save, the higher the ROI required to achieve your accumulation target. As a result., you will need to take a higher investment risk to achieve the goal. When we do not need to achieve a higher ROI, we do not need to stomach too much risk and volatility. The less risk we need to take, the more peaceful our life will be.

ALTERNATIVE SOLUTIONS

Acknowledge the danger of Parkinson's Law - You need to know that saving does not come naturally unless you make effort to control your spending.

Spend after you save - pay yourself first. By forcing yourself to ave more, you would definitely have less to spend. As a result, you are able to control your living expenses and live below your means.

Conduct a life-long cash-flow planning exercise - to know your optimum lifestyle and the savings required to support your lifestyle without active income. This cash flow planning exercise will project your annual income and expenses until the last day of your life. By doing this exercise, you can find out the living standards that you can afford and determine the saving needed during the years when you are earning an active income. As a result, you can appreciate how challenging it is to sustain high living expenses without an active income. It is imperative that you recognize the urgency and importance of starting to save now.

Sources : Personal Money issued May 2010 (Don't be a boiling frog)

Checklist For Financial Planning

2010-08-11T08:48:00.003+08:00

Here are some core elements of financial planning:

Cash flow management

assessing your current financial net worth (what you own minus what you owe). This will generally tell you whether you are on your way to financial freedom or financial disaster
budgeting
eliminating debts
building savings

Investment planning

once you have determined the amount of money you would like to save, you should consider where to put your savings with the aim of receiving a higher return than your normal savings account. An investment strategy has to be mapped out so that you will have greater success in meeting your stated financial goals.
Insurance planning

ensure that all your assets and family are well protected by having adequate insurance coverage.

Tax planning

tax planning affects everyone who receives income, yet it is an area largely ignored or forgotten by most people. Therefore, this area involves strategies to make the most of your income, stocks, real estate and property, under the local tax regime.

Retirement planning

you are not going to work your whole life. When old age symptoms start to kick in or you have reached the mandatory retirement age, you will need to retire. Hence, having a retirement plan regardless of your age is essential.

Estate planning

having an estate plan or a will shall ensure that your wishes for the future are carried out. In addition, an estate plan or a will can provide financial security for your family, ensure your property is preserved and passed on to your beneficiaries, and avoid dispute among family members.

Finally, a solid financial plan should be more than just buying an insurance plan or having some unit trusts and should cover the four key building blocks of wealth i.e. wealth accumulation, wealth management, wealth protection and wealth distribution.

Source : http://www.min.com.my

Ramadhan Yang Dinanti

2010-08-10T15:23:00.004+08:00

"wahai org2 yang beriman, telah wajib ke ats kamu berpuasa sebagaimana telah diwajibkan ke ats umat2 terdahulu"

Rasulullah SAW telah menggariskan empat amalan utama yang digalakkan dalam bulan ini iaitu :

1) melazimkan bacaan kalimah taiyibah

dlm satu hadis, dinyatakan bahawa jika seseorang menyebut kalimah taiyibah iaitu "Laa ilaha illallah" dengan seikhlas hati maka pintu syurga akan segera terbuka untuknya.

2)beristighfar

digalakkan juga beristighfar kerana Allah berjanji akan memberi kita
jalan keluar dari kesukaran dan membebaskan dari kesedihan. malah
insyaAllah akan memperolehi rezeki dari sumber yang tidak pernah
disangkakan.

3)memohon memasuki jannah

Doa yang boleh diamalkan untuk memohon agar ditempatkan di dalam syurga:

"Allahhumma as'alukal jannata wa z'izubika minarnnar"

4)berlindung dengan-Nya daripada neraka Jahannam

Dalam hitungan jam kan kita jelang Ramadhan nan suci,

kami pintakan maaf setulus hati akan khilaf yang selama ini terjadi

Taqobalallahu minna wa minkum, mohon maaf lahir batin atas segala kesalahan

Bagi yang melaksanakannya, saya ucapkan selamat menjalani ibadah Puasa Ramadhan.

Semoga amal ibadah kita semua diterima ALLAH SWT

Dividend Payouts for 3 MAAKL Funds

2010-08-09T10:54:00.002+08:00

We are pleased to inform you that our Trustee has approved gross distributions for the following three MAAKL funds for the financial year ending 31 July 2010.

For five (5) business days before the financial year-end, the Daily Fund Price of MAAKL Value Fund, MAAKL Growth Fund and MAAKL Al-Faid will show the abbreviation “Cum” on our website at www.maaklmutual.com.my. “Cum” refers to the fund price before distribution, meaning investors who invest at ‘cum-price’ and maintain their units in the three funds as at 31 July 2010 will be entitled to the distributions.

Similarly, for five (5) business days after the financial year-end, the Daily Fund Price of these three MAAKL funds will show the abbreviation “Ex” on our website. “Ex” refers to the fund price after distribution, meaning investors who invest at “ex-price” will not be entitled to the distributions.

The company will issue a press release to major newspapers on 2 August 2010 (Monday) to announce the gross distributions for MAAKL Value Fund, MAAKL Growth Fund and MAAKL Al-Faid.

Thank you.

MAAKL Declares Gross Distributions for Three Funds

2010-08-09T10:52:00.001+08:00

KUALA LUMPUR, 2 AUGUST 2010 - MAAKL Mutual declared gross distributions for three

of its unit trust funds for the financial year ended 31 July 2010.

The gross distributions are as follows:

All unit holders who maintained their units in MAAKL Value Fund, MAAKL Growth Fund and MAAKL Al-Faid as at 31 July 2010 are entitled to the distributions.

According to Mr. Wong Boon Choy, Chief Executive Officer and Executive Director of MAAKL, “We are very pleased to be able to declare gross distributions of between 1.25 sen and 5.75 sen per unit for the three MAAKL equity funds. The distributions declared translate int distribution yields of 8.26%, 7.78% and 3.24% for MAAKL Value Fund, MAAKL Growth Fund and MAAKL Al-Faid respectively.”

MAAKL Value Fund is an equity growth fund which is suitable for investors who seek long term capital appreciation from their investment. The fund targets growth through capital appreciation by investing in high quality and high growth companies in Malaysia. MAAKL Value Fund was ranked as a Lipper Leader in Total Return and Consistent Return over the three year period ended 30 June 2010**.

MAAKL Growth Fund is an equity growth fund that seeks to provide unit holders with steady medium- to long-term capital growth at a reasonable level of risk through investments in a diversified portfolio of equities with large market capitalisation. It is designed for investors with higher risk tolerance and low income requirement. MAAKL Growth Fund was also ranked as a Lipper Leader in Total Return and Consistent Return over the three-year period ended 30 June 2010**.

MAAKL Al-Faid is an Islamic equity growth fund. Its primary investment objective is to provide unit holders with steady medium- to long-term capital growth at a reasonable level of risk through investments in a diversified portfolio of Shariah-compliant equities in companies with large market capitalisation which are Shariah compliant.

**Source: The Edge/Lipper Fund Table, 26 July 2010

Saving for Your Retirement

2010-08-02T09:36:00.004+08:00

It is important to engage in basic retirement planning throughout your working life and update those plans periodically, especially when your situation change – financially or otherwise. While it is never too late to plan for retirement, starting early helps to avoid any unnecessary stress. In order to save for the future, there is of course that trade-off between spending and saving. For example, if you spend lavishly now, buying expensive sports cars, high-end hi-fi systems or overseas holidays, then you may not have much left in your bank account when you retire. Unless of course, you have managed to set aside some money through investing wisely, or have other forms of compulsory savings to provide you with a comfortable lifestyle when you retire

Seven easy steps to work out how much money you need

Step 1 : Determining the number of years you have until retirement.

Step 2 : Determining your desired income

Step 3 : Calculating your inflation-adjusted retirement income

Step 4 : Calculating the total funds needed at retirement

Step 5 : Estimating funds available at retirement

Step 6 : Calculating the shortage (or surplus) of funds at retirement

Step 7 : Calculating the savings required to cover shortfall

The step-by-step process is intuitive, and allows you to estimate how much you need to save in order to build up your retirement fund. This will allow you to plan accordingly to achieve your retirement goals.

Note : You may also use this application to calculate the amount you may wish to save on regular basis

http://easycalculation.com/mortgage/savings.php

Source : http://www.min.com.my

Penulis blog perlu patuhi etika: Dr Mahathir

2010-07-28T15:29:00.001+08:00

KUALA LUMPUR: Tun Dr Mahathir Mohamad hari ini menggesa penulis blog supaya berpegang teguh dengan kod etika untuk menulis perkara yang benar demi kebaikan masyarakat supaya mereka dan blog masing-masing lebih dihormati. Bekas perdana menteri itu berkata, kod etika berkenaan perlu diwujudkan secara sukarela demi kebaikan penulis blog sendiri kerana ia bakal membina reputasi mereka di mata orang ramai.
Dr Mahathir yang juga seorang penulis blog berkata, masyarakat kini mempunyai akses kepada blog, satu medium yang hampir di luar kawalan mana-mana pihak berkuasa, dan jika mereka mematuhi kod etika untuk menulis perkara yang benar sahaja, lebih ramai orang awam akan membacanya.

"Jika kita bersandarkan kepada kod etika sebegini dalam setiap penulisan kita, saya fikir lama-kelamaan, orang ramai akan menghormati blog. Jika kita tidak menulis perkara yang benar, mereka akan meninggalkannya seperti yang berlaku kepada media biasa ketika ini," katanya dalam ucap tama pada persidangan Blogger Asia dan Media Sosial 2010 di sini hari ini. Persidangan dua hari itu dihadiri 400 peserta dari benua Asia.

Sumber : http://www.bharian.com.my

Diversity - for Safety in Numbers

2010-07-26T09:35:00.002+08:00

If there's one solution that keeps jumping out to you in how to manage away a lot of the risks in investing, it's diversification.

Diversification means 'to spread it around', that is, to spread your money over several, not one, investments. Like not putting all your eggs in one basket, for if you drop the basket, chances are they will all break. Likewise, if you sink all your money into one stock and if that stock plummets in value, you could lose all of your money.

Generally, a diversified investment portfolio has different baskets of investments so to speak. Each basket could be likened to an asset group (like stocks or bonds or futures). The next step is to further diversify within that asset group. Hence buying stock means buying stocks of various sectors, or buying unit trust means buying more than one kind of unit trust fund (there are income funds, growth funds, bond funds etc.)

The strategy is to mix high-risk and low-risk investment vehicles and to allocate them wisely among your baskets and within each basket. Why? So that you have a better chance of winning within an asset class and among the asset groups. Imagine the unfortunate circumstance of having all your savings tied up in the stock market and needing immediate cash but the stock market remains stubbornly bearish. This is not diversifying among asset groups. Or putting all your money into property shares only to have real estate sink into the doldrums while other sectors are booming. This is not diversifying within an asset class.

But with diversification, if one of your assets takes a nosedive, you have many alternate assets to fall back on. If you diversify smartly, the losses in the non-performing investments will be easily absorbed in the gains of the better performing ones. Your investment risks are minimised while your average rates of return are maximised.

However avoid over-diversification. While you don't want to store all your eggs in one basket, you also don't want to scatter your eggs among so many baskets that you find it difficult to monitor your investments. Furthermore when you are over-diversified, your investments start to counter-balance each other so that your rate of returns is actually diminishing.

Source : http://www.min.com.my

Getting Started

2010-07-20T08:56:00.003+08:00

There are four major ways to start investing in unit trusts:

Lump Sum Purchases

This is where an investor has a lump sum of monies to invest into a unit trust. This may be the only investment the investor wishes to make. Over a period of time (3-20 years), the initial investment will increase as distribution and other income is earned by the fund. When redemption or sale of the units take place, the unit-selling price will reflect the accumulation and compounding of capital over the relevant periods. It is this compounding effect over time which makes accumulation type investments, such as unit trusts, so attractive to the investor.

For example, someone who has recently inherited a sum of money may wish to invest the funds into a unit trust and hold it for an extended period to save for some specific purpose. e.g. children's education. At the end of the holding period, the proceeds of the sale of the units will be the initial investment plus the returns on that amount, accumulated over the period.

Regular Savings
Some people invest in unit trusts by making regular (e.g. monthly) contributions to their fund. This is an ideal, disciplined and useful way to accumulate capital for a future need. By making regular contributions over a period of time, the sum accumulated at the end of the period will increase. This is commonly known as dollar cost averaging.

At the end of the period, the redemption (or sale) price of the units held will represent the accumulation of all contributions, plus returns generated from the total contributions since the first purchase was made. The effect is more noticeable the longer the holding and contribution period. This form of savings is the basis of most pension fund accumulation e.g. the Employees Provident Fund.

EPF Savings
In addition to investing in unit trust by cash or through a regular savings plan, you can also invest using EPF Members’ Investment Scheme. The EPF will process a request to transfer an amount from a member’s Account 1 to approved unit trusts funds if :-
1. The Account 1 balance is not less than the required basic savings
2. The member is less than 55 years old
3. An account in the approved Unit Trust Scheme has been opened into which the transfer can be processed
4. No transfer has been made in the previous three (3) months from the EPF Members’ Investment Scheme. Transfers under the EPF Scheme is made at an intervals of three (3) months from the date of the last transfer, subject to the availability of the required balance in Account 1.
5. The amount eligible for transfer is not less than RM1,000
6. The amount to be transferred is not more than 20% of the Account 1 balance remaining after deducting the required amount of basic savings prescribed by the EPF (subject to minimum of RM1,000)

Borrowing
Although an investor may obtain a loan from a financial institution for the purpose of investing in unit trust funds, investors should seek appropriate advice as there are additional risks involved when using borrowings to finance an investment in unit trust funds. Investors must bear in mind that interests on borrowings can reduce the potential returns of their investments.

Monitor your Investments

2010-07-13T09:00:00.003+08:00

Changing environment
Keep your eyes and ears open to news affecting your investments and generally be on top of what's going on with the companies behind your investments.
Why?

1st: We live in a dynamic world. Nothing is static
2nd: Changing laws and regulations,
3rd: Turns and twists in the domestic and world economic environments
4th: Changes in the capital markets and reversal of company fortunes
An investor who wants to succeed, needs to be proactive to these changes.

Modifying your plans
You should also review your portfolios for the reason that your own financial situation may have changed to necessitate restructuring your plan and goals.

Evaluating performance
You should continuously monitor and evaluate the performance of your investments to find out how they are doing.
use the total return figure to measure the performance of the funds.

Monitoring shares
You should also monitor the company whose shares you have bought by tracking its profitability, earnings growth, gearing and dividend payouts. Read the company's announcements, shareholders' circulars, annual and interim reports and focus on closing dates of rights, warrants, takeovers, earnings, auditor's report and the directors' interest.

Monitoring unit trustsYou should monitor your fund manager in terms of performance (relative to the objectives of the fund), strategy, reporting and portfolios.
You could benchmark your funds against similar funds.

You can request for information from your fund manager, such as:

Performance of relevant investment markets
Level of volatility associated with return
Rate of inflation
Performance of other similar fund managers
Strategies employed over recent periods

Fund managers are reviewed on the services they provide, namely performance and reporting.

Have your expectations of returns been met?
Is the fund manager doing what is expected e.g. buying stocks in accordance with laid-out strategies and mandate?

You should also bear in mind that the investment outcome is subject to a large number of random factors and short-term performance data may not accurately assess the fund manager's investment skills.

Source : http://www.min.com.my

Dispelling Unit Trust Myths

2010-07-08T15:59:00.005+08:00

There are several misconceptions that a unit trust investor needs to be aware of. Read on to discover the true story behind seven common myths of unit trust investment.

1.The best time to invest is just before the dividends or bonus distributions are declared. (NOT TRUE).
If your unit trusts agent advises you to invest in unit trusts funds due to its upcoming bonus or dividends payments and that you will make profit quickly, think again. You need to know what is involved in unit trust bonuses and dividend distributions. So, investing prior to dividend or bonus declarations is not a quick way to make profits. Always think long term when investing in unit trust.

2.Always choose funds that give the highest return in the past. (NOT TRUE.)
Past performance is not an indicative of future performance. Investors should not look at past performance records to predict future prospects. Study the fund's investment strategy and asset allocation to support your investment decision. Generally, the asset allocation contributes significantly to the fund's overall returns.

3.All unit trust funds are the same. (NOT TRUE).
There is a variety of funds out there with different investment objectives. Each has its own investment characteristics and risk elements. Investors MUST read the fund's prospectus to learn about the funds and should consider choosing the funds that match their investment needs and risks profiles. You could end up investing in the wrong fund if you think that all unit trust funds are the same.

4.Dividend is the only return. (NOT TRUE).
Investors can measure the performance of their investments in unit trusts by various means. This often includes the calculation of capital gains (the difference between the buying and selling price) or the amount of distributions received from a fund. However, the most effective method in calculating performance is by including both. This performance measure is called total returns as it includes all sources of income i.e. dividends and capital gains (or losses).

5.Unit trusts is a savings account and risk-free. (NOT TRUE).
Investing in a unit trust is not the same as putting your money in a savings account. If you invested RM1,000, you must be prepared to accept that you may end up with less money than you put in. This is because your investment will be exposed to risks and you may incur losses due to the inherent risks. All forms of investments do carry some degree of risk and investors must be prepared to accept such risks.

6.Trust one management company only. (NOT TRUE).
Not all funds from the same management company give out the same performance or return because these funds may have different investment objectives and therefore will have different risk elements and exposure. Depending on market conditions, funds would perform differently, even if the same management company is managing it.

7.Your agent's words are the whole truth. (NOT TRUE).
Always verify what your agent tells you. If you are not clear or if you think that it is too good to be true, ask them as many questions as you want. The questions that you think are "stupid" may actually turn out to be spot-on queries for gathering more information. At the same time, do your homework and get as much information as possible to help you make an informed investment decision. Don't invest until you are satisfied with the information provided to you. Remember, you will ultimately be responsible for your investment decisions and not your agent.