ASB vs UT

atas permintaan seseorg saya try jawab di sini..

sebab bila time nk explain, kekadang masa org tu tak sheshuai..
[nota: entry dgn unsur teknikal. jika nak fengsan. better stop eheks. btw, this is just my personal opinion based on attending the course related to this issue. ]
++++
so sms asal die berbunyi:

"Yg invest rm100 every month tu sampai brape lame? yg rm1000 tu skali setahun ke camne?"

"RM1000 tu utk bukak account, top up anytime MIN RM100. Kenapa berminat kah?"

"Hmm tak tahu lah. ada org kate baik lg simpan kat AS'B. guarantee deposit, safe n return pun tinggi. Duit tak banyak so nk invest mana2 pun takut"

if this person think that way, me will reply the same thing if you investing in UT with strategy (UT is guarantee deposit, safe n the returns beat ASB).

Info #1
but first of all, lets clarify the different between ASB and UT by PubMutual.
ASB is a fund manage by PN'B - by government obviously.
in other hand, over more than 20+ UT private company in Mesia, the no 1 currently biggest fund manage is PubMutual. and PubMut work hard to be the lead in this industry. (well mestilah saya ups sket; pilih tempat cari duit extra saya kan kan?)

obviously, PN'B (as for government generate money tools??) manage the biggest fund in this industry.

Info #2
lets have a look at ASB dividend and bonus for the past 15 yrs
•1993: Dividend=9.00, Bonus=4.50*
•1994: Dividend=9.00, Bonus=4.50*
•1995: Dividend=10.0, Bonus=3.00*
•1996: Dividend=10.25, Bonus=3.00*
•1997: Dividend=10.25, Bonus=1.25*
•1998: Dividend=8.00, Bonus=2.50*
•1999: Dividend=10.5, Bonus=1.50*
•2000: Dividend=9.75, Bonus=2.00*
•2001: Dividend=7.00, Bonus=3.00*
•2002: Dividend=7.00, Bonus=2.00**
•2003: Dividend=7.25, Bonus=2.00**
•2004: Dividend=7.25, Bonus=2.00**
•2005: Dividend=7.25, Bonus=1.75**
•2006: Dividend=7.30, Bonus=1.25**
•2007: Dividend=8.00, Bonus=1.00**
•2008: Dividend=7.00, Bonus=1.75**

*source from PNB and prospectus.
monolog: err nape macam makin kurang dividend and bonus PNB bagi..?
purata dalam 9-11% jer.. hmm last year 2009 plak: Dividenf=7.25, Bonus=2.00

ok lets have look at this figure plak:

Figure #1

ok nampak tak? see the return after 6yrs?(Jan04 untill Jan2010) it is 86.15%
itu saya just ambil utk 6yrs punya investment tru PMITTIKAL-FUND.
so if we divide 86.15%/6 = 14.3%
Info #3: some how, the return in UT average already beat ASB.
remember 3 rules investing in UT?
make it long term(MIN 3yrs), regular and asset allocation.

ok. now lets have a look at this figure. same fund, but i cut the range:

Figure #2

saya just amik performance since 2008 (during economy crisis) till today.

see how much did UT make? more than 40% returns!

if PN/B also invest during the same period, the also get 40% returns already, but why did they just declare the div+bonus=10% only?
PN/B also have to make money meh!
to give gov servants yearly bonus perhaps? but nan ado nya last yr! huhu

Figure #3

this time i cut the graph from 24Dec2007 until today date.

see the total returns is still in negative mode!
but remember the rules of investing in UT.
MIN 3 yrs investment!
perhaps, we should check again the returns after 24Dec2010 to see the total returns.

semasa krisis ekonomi berlaku, ramai investor yg kuarkan duit, sbb takut makin rugi, but for those who did understand, they buy the UT some more in cheaper price. and that is how they make more money this year!

so if you dont want to get any headache about the market performance.
just stick with regular investment. make it Ringgit-Cost-Average!

as for PNB, even the economy is down, they still declare quite good div+bonus last year rite?

but do we know, how much actually the return they get the previous year before market crash? say they gain more than this year perhaps 50%, they will keep the untung lor! just to make sure, they can top up the lost when market is down!

Info #4

UT have Islamic Fund

as for PubMutual the islamic fund 'ditapis' oleh ZIsyariah

saya pernah tanya kawan saya yg bekerja di Bank Islam tis simple question tru email:

salam UstZ, ada soalan ni..
btw hope ko n family sihat sejahtera...
Bank islam mmg tak jd agent ASB eh?
pastu apa pendapat ko pasal ASB?
ape plak pendapat ko dgn unit trust investing in Syariah Fund macam produk2 dari CIMB/ public-mutual plak?

and his reply:

w'slm...Alhamdulillah, sihat semuanya.....
Bank islam tak jd agen AS'B sbb panel syariah bank tu tak recognise yg AS'B tu 100% halal. yg nampak ketara adalah May'bank(majoriti pelaburan MB libatkan riba') still jd tpt pelaburan terbesar utk dana AS'B ni. kalau Maybank Islamic shj ok la.

yg ke-2, kalau tak silap PN'B tu sendiri tiada panel penasihat syariah. ini adalah asas utama dlm sesebuah organisasi/institusi islam krn segala hala tuju & perjalanan perniagaan akan di tapis terlebih dulu oleh panel syariah ni.kita sbg pelanggan pun akan berasa yakin utk melabur apabila panel syariah kata halal. betul tak?

thats why smpai skrg aku pun tak invest dlm ASB. psl unit trust ni, tak salah utk melabur dgn syarat kena melabur dlm instrument2 islamic shj la. dlm CIMB/Public mutual dll mmg ada instrument2 konvensional & islamic. psl list unit trust yg halal boleh semak dlm web IBFIM....

ok, skrg ni aku pulak nak tanya, bila ko nak kahwin? (soklan maut ni)...hehehehee....
errr Apekah?

So in UT, for investment less than 3 yrs, we are not losing money, but not yet making money!
Info #6 can i say SAFEly islamic
tepuk dada tanye selera.. again this is my personal opinion in my personal blog...

p/s: as for me, dah tak simpan di ASB lagi, tapi memilih UT Islamic Fund!

EPF money @UT

mula2 tulis entry ni, saya kena set label 'unit trust'
saya takmo terpesong matlamat. wah gtu!

EPF: menurut kamus-Dewan-saya
adalah duit yg dipotong dari basic salary+potongan dari majikan, dan disimpankan dalam acc EPF kita untuk tujuan simpanan semasa dan hari tua.
ada company yg potongkan 10-13% from basic salary utk disimpan dalam acc@epf
dan employer itself wajibul to top up beberapa% lagi in the acc employee@epf
(err saya easily confuse employee n employer)
:btw, EPF/kwsp makna sebenar sila refer web kwsp/epf ini lah yer.

saya akan gune acronim epf instead of kwsp sbb... (e.p.f. pendek sket dari k.w.s.p.) nuff said!


duit epf ni macam terkumpul secara senyap2 sbg simpanan hari tua...
tau-tau hujung tahun, epf announce brape divident yg pencarum epf dapat every year

some gomen servant maybe tak pedulik sangat epf ni, since diorg ade skim pencen
tapi diorg akan carik2 gak duit acc 2 epf bila nak guna buat downpayment beli rumah/financial education anak2 dan.. investing!!


"eh kalau i dah kluar duit epf buat beli rumahbanglo i dulu macam mana pulak?"
well seorang macik-datin-wannabe bertanya dan ini jawabnye;
investment kita gunakan Acc1 EPF.
duit beli rumah tu kita withdraw plak from Acc2 EPF
jadi tak clash objective saving tu occay!

why invest epf money in UT?
ada rungutan dari pencarum epf yg tak puas hati dengan kadar dividen yang diberikan.
yer lah average epf declare 5-6% dividend jer yearly since 1950-an.
so dgn epf izinkan kita keluarkan sebahagian duit epf Acc1 ke mana2 pelaburan unit amanah, maka kita boleh growth more duit epf kita!


so ok ke invest epf money in UT?
kalau kite ade instrument yg boleh bg divident lebey dari epf, kenapa nk lepaskan peluang ni kan?
plus duit epf ni utk simpanan hari tua, so unit trust sendiri adalah best long term investment tools.
yor lah walaupun kita entitled utk kuarkan ribu2 duit epf skali..
tapi kita takle plak nk kuarkan duit epf tu buat convert beli fizikal gold kan?


at least kite perlu ada tools yg boleh buat duit terkumpul di hari tua tu manage to defeat inflation.
betul apa. 10k yg kita ada skrg tak mungkin sama nilai nya pada 10 tahun akan datang...
but at least, kita tahu 10k yg kita ada skrg boleh growth, so that can defeat inflation (again).

epf sendiri invest duit terkumpul mereka tru unit trust fund.
info ni saya tau masa saya jd agent-apex.
so kat sini point agent ap-ex ialah;

"epf sendiri berani invest beratus ribu epf money in UT. takkan kita takat seratus sebulan still have long tought?"

as investor, we should know the risk of investing, but again we should know how to minimize the risk..

tapi kenapa epf just bg divident 4-5% jer setahun, if they really making money investing in UT?
well.. epf tu consider big company, if they make profits more than 50%++ per year pun we as outsider dont even know;
but try to get some ideas here, the profits they get will then be rolling to pay their staff bonus, deco building2 epf se-mesia, buat family day kat island bagai.. kan? err family day tu saya sajeje sheshuke tambah! hihiks

p/s: kesimpulannya... this is my money, let me decide what is the best for it!

p/p/s: MIN RM1k everytime you want to invest your Acc 1 epf money in any UT company

p/p/s: pergilah mana2 kiosk EPF skrg, dan semak brapekah amount dalam EPF yg anda layak untuk invest ke mana2 company unit amanah!

PopQuiz: brape banyak word e-p-f dlm entry kalini??

Penaja Bersama:

Risk Profiler

Jom main soklan2 menguji diri.. hihihik..

actually saya suka stp kali balik dari short course UT Pub Mutual. sbb banyak benda boleh share pd korg2 yg sedang/bakal bergelar INVESTOR

++++++++++
Please Answer ALL Questions:
1. When you hear unexpected adverse or bad financial news, you
a. Never overreact
b. Rarely overreact
c. Always overreact

2. Between a new position offering greater job security with small pay rise and another with a high pay rise but less job security, which would you select?
a. Probably higher pay rise
b. Not sure
c. Probably greater job security

3. Would you borrow money or go on margin trading to make an investment that might double your money?
a. Yes
b. Maybe
c. No

4. if you have investment in a stock that rose 30% within 6 months after you brought it you would
a. do nothing or buy more shares
b. sell some shares
c. sell all your shares

5. Do you believe luck is important in making your investment decision?
a. Yes
b. Sometimes
c. No

6. If you could increase your chances of improving your returns by taking more risk, you would be
a. Willing to take a lot more risk with all your money
b. Willing o take some risk with some of your money
c. Unwilling to take much more risk

7. In case of emergency, would you have available savings to pay for
a. Less than 3 months’ living expenses
b. 3 - 12 months’ living expenses
c. More than 12 months’ living expenses

8. What percentage of your household income (after tax) is spent each month paying of credit card bills, payments and either on rent or mortgage payments?
a. More than 50%
b. Between 25% and 50%
c. Less than 25%

9. Would you invest in a stock based on a friend’s tip?
a. Yes
b. Maybe
c. No

10. Which one the following statements best describes your feelings about investment risks?
a. I prefer to select an aggressive mix of investments
b. I prefer to select a balanced mix of investments
c. I prefer to select a conservative mix of investments

11. Do you expect your future earning over the next five years to
a. Increase
b. Stay the same
c. Decrease

12. Would you invest in individual stocks or equity (stock-base) unit trusts?
a. Yes
b. Maybe
c. No


Scoring
For all questions,
a = 3 points
b = 2 points
c = 1 points

Result?
Your total marks will reveal whether you are aggressive/moderate/conservative investor. ^__^

Factor to be consider

tajuk entry sepatutnya Factors to consider in Investment
this can be apply for any type of investment. (Unit Amanah/Gold/Market Stocks)

Factors to consider:
1. Goals/Objectives
2. Expected rate of RETURN
3. Risk
4. Time horizon
5. Current financial position

+++++++++++++++++

Apakah objektif pelaburan kita? What we save for?
- Emergency Funds (71% RD readers agree with this)
- home ownership 29% (yg dah beli sebuah, maybe lookin fwd for 2nd house)
- gettin married (perhaps saya antara yg masih dgn objektif ni hihiks)
- special treat-holiday vacation etc umrah/haji/makan angin/honeymon
- children education (56%)
- Supporting Aged Parents
- Special Purchase (Car, Perabut Rumah, Electrical gadget)
- increase WEALTH
- comfortable RETIREMENT (57%)

Apakah jangkaan pulangan keuntungan dari pelaburan tersebut?
Sekadar untung balik modal?
atau keuntungan lebih tinggi dari simpanan sedia ada?

Berapakah risiko yg sedia anda hadapi?
setiap investor tanpa sedar mahukan High Return, NO risk, Fast Result!
tapi ada kah investment dgn ciri2 begini? if ada tulun bg tau saya... hihihi

in fact invest with gold pun still ade risk maa.. beli physical gold kalau salah tempat simpan hmm haru gaks!
utk ini investor mesti sedar,
LOW RISK, LOW RETURN!
HIGH RISK, HIGH RETURN!

NO RISK? BEST HIGH RETURN?? .. jaga2 itu macam skim-pak-man-telo-cepat-kaya!

Berapakah tempoh yang anda sedia tunggu untuk pelaburan anda?
the longer the better...
for UT investment, MINIMUM 3-5years. again depends pada objektif kita gak!

Tetapi, apakah situasi kewangan kita sekarang?
Ada duit lebey utk test investment?
Berminat, tapi duit tak cukup... tiba2 teringat pada duit EPF Acc 1.
ok gak tu! at least during retirement, ada extra cash lebey sket dari org lain ;)

Strategy investing in UT

#warning! entry ini ada unsur teknikal.. jika tidak sedia, sila refer entry gossip di bawah!
(PG5 - saya klasifikasikan entry ini parental guide for child below 5 hahaha.. sape yg ade anak kecil sila bace ketika mereka tdo, supaya tidak kaco u ols punya concentration ehehe)

+++++++++++++++++

tapi sebelum itu; saya nak abadikan 5 reason tambahan (dari wife upline saya ehem2)
kenapa saya join Public Mutual selain dari sebab2 yg pernah dinyatakan sebelum ini

so 5 reason tambahan tersbut adalah spt berikut:
1. upline si saya mr jektot ada dekat di mlk.
2. opis/branch PM satu jalan dgn facial shop, so senang singgah.
3. if malas nk isi borang, wife upline sedia utk tolong isikan.. bagus betui!
4. boleh terus jektot explain kat client saya if kes saya malas... lagi? haha
5. dan plg penting! kita (:refer to saya n mrs jektot) boleh lepak selalu together2. hahaha syiok2

kerana alasan2 (sebahagiannya) inilah membuat kan saya berjaya utk renew license saya semula with PM. ekeke

top of that, saya dapat tambah byk ilmu investing in UT dgn pergi join 1 day training class for only RM10 with free meal heheks
+++++++++++++++++

UT-unittrust*

so sini saya nak jelaskan kondisi ngape saya end up jd agent UT ops start now, im referring myself as UT consultant..

ada beza tau antara agent n consultant ni.
agent: he/she just collect n sales the UT to get her komisyen
but as for
consultant: he/she should be ur navigator to achieve ur investment target in UT.
komisyen tu somehow kekadang tak balik modal pun dgn usaha seorang consultant tu dah buat-consider if she/he really do it well. hmm did i sound bias ere?

.. ok saya akan relate kan the different later after i discuss on STRATEGY to invest in UT.

ok. tis part ni pun dah bole bezakan seorg yg approach kita tu consultant or just an agent.

ok saya admit saya dlu pun react as agent. sbb saya sendiri sebelum ni, tak dapat ape yg saya nak faham dari investment tru UT ni.
mmg upline kita masa tu kawan kita sendiri, tapi mungkin saya tak approach die sebetul2nya. so far after join 2months UTC under PM saya rasa ilmu saya berkembang 100%++ compared to previous 1 yr as UTC under Apx.

ok2.. korg bukan nk bace sangat ape yg saya bebel. dari tadi dok tunggu ape point strategy investing in UT ni kan kan kan...

well.. STRATEGY investing in UT is simple..

1. long term
2. regular

3. asset allocations

as consultant, our job should HELP the investor by EDUCATE them, but not just simply act as agent who try to make decision for their client.

+++++++++++++++++

1. LONG TERM strategi 

1, dah bnyk kali saya citer sebelum ni. which is, UT tak same objective macam beli insurance. not so high risk macam main saham sekaligus bukan juga skim cepat kayoss!
high risk high return - but we also can make it high return with UT if we make it for long term investment. boleh refer pada pic kat bawah.

2. REGULAR strategi 2.

investing in UT bukan main tikam2 bila market akan turun/naik... tapi risiko turun naik saham boleh dikurangkan dgn buat regular investment
hmm ini lah strategi yg saya sendiri tersilap. agent saya tak explain betul2 macam mana investing regularly in UT can make more profits - compare if we just make it lump sum and wait for the break even!
certain agent, maybe gairah nk dapat duit komisyen. sampai tak sempat nk educate her/his customer very well.
(icon2 kat gambar di atas dah menunjukkan wajah2 kita terhadap prestasi investment kita)

if we do long term, tgk pd hasil yg akhir..
and if we do regular, masalah turun naik market price, kita dah tak pedulik pun.

ok kalau korg faham dan terima 2 strategies sebelum ni dan sedia utk invest (cash/EPF money) in UT, korg dah boleh calling2 saya for further explanation strategy ke 3 ni..

3. ASSET ALLOCATION ok utk strategi ni, saya tak rase sesuai explain by bebel2 kat sini jer ke.. utk tahu ni, maybe we need to discuss face to face. so kite leh lukis2 the pie chart hehehe

+++++++++++++++++

tahap kesedaran kita (:mim lam ya wau) dalam pelaburan ni masih kecil bilangannya, if we compare to mereka (:cha ya nun alif).

any investor is advised to monitor their investment portfolio every 6 months. so if tade mase, tgk dalam 6 bln gtuh pun ok. tapi kalau kita make it long term, after 3 yrs, our money will growth, InsyaAllah!

next week entry saya will cover topic Risk in investment plak. entry serius takle selalu2, visitor blog ni suka layan gossip2 hahah

p/s: saya berazam, nk jadi good consultant utk adik bradik n kawan2 rapat lepas ni.

p/p/s: those yg dah pernah invest kat Apx sblm ni, korg nk top up lagi x investment sementara harge murah ni?

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!

Iklan PublicMutual

sekadar memberitahu:
i am now with Public Mutual.

why i switch to Public mutual after 1yr++ with Apx?
as an agent, i need to frequently visit the branch, since i already settle down in malacca.
i think its good for me to sign in as PM-UTC. branch pun easily access!

so pada kawan2 yg dulu dah invest tru saya dengan Apex; dont worry, ur previous investment(also mine) still under my close-fren attention. Click here to know ur current fund prices

for those yg invest last yr/2008 boleh nampak the return dah skrg ni.. those yg invest 2007, u r just not yet making profits. unit trust is medium to long term investment. it take 3-5yrs investment. but if u are lucky, surely within a year u can see the returns! macam ade sorg kawan kite tuh.. alhamdulillah!

pada kawan2 yg berminat nak sambung/start new investment unit trust, u r welcome to invite me.
i love to share all the interesting ideas about unit trust.

dgn Public mutual, kos nk jual air liur dapat dikurangkan since kos marketing company dah tolong settlekan.. cuma, pada sesape nk FREE personal consultation, again, im so happy to share with you!

p/s: pn mimi sure larik tgk logo tu dalam entry ni.. hahah

Link

beberapa link yang menjadi sumber rujukan penulis blog ini.

• FIMM: http://www.fmutm.com.my/
• jutawanemas: http://jutawanemas.com/
• PublicMutual: http://www.publicmutual.com.my/
• GIA: http://www.pbebank.com/
• PublicGold: http://publicgold.com.my/
• indexQ: http://indexq.org/
• ApexHorizon: http://www.apexis.com.my/ehorizon/
• EPF/KWSP: https://secure.kwsp.gov.my/index.php?tpl=p2_iakn_general&page=login
• AKPK: http://www.akpk.org.my/
• UZAR : http://www.zaharuddin.net/
• HijrahWealth: http://www.hijrahwealth.com/
• Kuwait Finance House : http://www.kfhonline.com.my/