Monolog Unit Amanah

saya pms kut skrg ni..
hormon x stabil
ade org komen saya wat entry buh lagu jer sejak 2 menjak ni..
masakan tidak..
nak berkarya, tapi mood tak datang

so saya end up buat entry yg teknikal sket kalini..
bila bab teknikal of course im talking about UTC-Public Mutual

*Nota kaki: entry ini adalah pandangan peribadi saya.

antara soalan2 yg ditanya kepada saya:

kenapa saya switch as UTC dari APex ke Public Mutual?
alasan senang, sbb as UTC lebih mudah nak deal sbb branch PM lebih dekat dari AP.

tapi kalau ikut tujuan asal saya p susah2 amik exam UTC bagai tahun lepas adalah kerana saya sangat berminat nak tau flow investment tru unit trust ni.

yer, saya sendiri start as investor. saya sendiri start invest with PM.
tapi maybe gak saya ni jenis yg suka nak tau bab2 ni..

saya pernah citer pasal dinar emas suatu masa dulu dalam blog dulu..
saya dah dapat keuntungan dari dinar emas tu.
tapi nk invest dalam emas, perlu modal yg besar.
dulu masa saya invest kat dinar emas, saya invest guna duit simpanan kawen-tak-jadi masa belajar kat UK dan campur sket % dari duit pencen ayah

so lepas attend exam utc bagai, saya terpanggil nk share info dgn kawan2 sedare mare, share a bit awareness pasal investment tru unit trust ni

so basically investment tru unit trust, we can start investment with small amount.
haa ini yg membezakan Apex with PM in term of cash investment
Apx: initial investment 2k, top up rm500
PM: initial 1k, top up anytime rm100
(btw ini maklumat yg saya terima semasa tempoh hayat menjadi ejen Apx)
so saya sendiri rase tak susah sgt nak approach org utk invest.. yerlah tak sumer org ada cash 2k saje2..

investment tru UT is medium to long term investment!
consider MIN 3-5years, sometime u already generate profits with less than a year, itu consider bonus!

saving tru unit trust, is part of investment:
before ni saya saving tru tbg haji/asb - tapi profits per annum biasa2 jer..
tapi with UT,
if we keep the same saving habits, returns adalah 15-20% average per year.
selain itu, duit yg kita simpan kita mesti nak something yg diapprove by syariah kan?
UT offer syariah fund that gain profits more than tbg haji/asb offer

tapi ada org kate, baik bayor insurance dari bayo bulan2 unit trust:
bab ni, ada 2 approach;
for those yg dah ada insurance, just keep ur insurance but still invest ur money tru unit trust.
sbb insurance n unit trust return lain2, insurance ada masa matang kan kan kan?
in fact kalau korg nk UT together with insurance, PM ada fund yg offer gtuh.. hmm fund gini APx blum ada.

takley pk plak ape soklan2 lain korg.. ada soalan lain buh dalam comment box yer..

saya suke join PM sbb sbg UTC-PM, saya leh view investor performance online.
web PM dah upgrade which make it more user frenly, in fact investor sendiri boleh view their investment n decide whether they want to buy/sell/hold/switch activities tru online.

working as part timer with PM ini amat menyenangkan, if takley nk p branch, ada certain job yg UTC can just deal tru any Pub Bank jer.. sbb Pub Bank mmg confirm ada setiap negeri!

conclusion?
*APx is fine if u just want to be UT investor but not for me as a good-responsible UTC kaedahnye.. ahaks!