Ini adalah berita yang menarik, tidaklah EPF boleh guna untuk pelaburan di Malaysia aje. kita tunggu beritanya tak lama lagi.
--
By Maliki on June 5, 2010
KUALA LUMPUR 4 Jun – Tabung unit amanah yang mempunyai sehingga 30 peratus portfolio asing akan ditawarkan kepada pencarum Kumpulan Wang Simpanan Pekerja (KWSP) mulai Ogos, untuk menawarkan lebih banyak pilihan pelaburan kepada mereka.Mengehadkan mereka kepada portfolio tabung amanah tempatan sahaja, tanpa memberikan peluang kepada kepelbagaian antarabangsa dan potensi pertumbuhannya, akan menyekat keupayaan pencarum KWSP [...]
Thursday, June 17, 2010
Wednesday, June 16, 2010
Double-dip recession - unlikely
Kat bawah ni article pasal double-dip recession. Kemungkinan untuk Malaysia atau di Asia tu kurang boleh kata tiada. Sebabnya antara yang penyumbang adalah negara China dan India. Kita berharap pasaran pasam kita akan terus naik. Jika turun, peluang untuk beli.
***
Malaysia is unlikely to face a double-dip recession as the country has come out of a slow growth phase over the last few years, according to an economist.Datuk Dr Zainal Aznam, a member of the National Economic Advisory Council, said with Malaysia becoming more integrated with Asia, continuous regional growth would be an additional boost to the Malaysian economy."
If Asian countries, particularly China and India, continue to develop, it would be an additional boost for Malaysia''s economic recovery. Anything that boosts Asian growth will be good for Malaysia," he said."If Asian countries, particularly China and India, continue to develop, it would be an additional boost for Malaysia's economic recovery. Anything that boosts Asian growth will be good for Malaysia," he said.
In an interview with Bernama, Zainal said if Malaysia achieved its ambitious target of 12.9 per cent growth in private investment under the 10th Malaysia Plan or even less, this would enhance the growth rate and indirectly contribute to the anticipated gross domestic product (GDP) of six per cent."
The New Economy Model is even more optimistic. If you really follow the prescription in the new growth model that encompasses a lot of liberalisation, good governance and reducing the cost of business, that could add another half percentage point to the GDP," he said.
On Malaysia's second-quarter GDP, Zainal expects it to be lower than the first quarter.The country registered a 10.1 per cent GDP growth in the first quarter this year."The first quarter started from a low base when compared with the previous quarter, as such giving a synthetic picture of a rapid jump in the growth rate," he said."So, in the second quarter, I'm expecting the GDP growth to be less than 10 per cent. I would be quite happy to see anything between six and eight per cent."
Asked whether emerging markets could overshadow Malaysia in the pursuit to achieve the forecast growth, Zainal said it was no secret that Malaysia and other South-East Asian countries had lost out to China over the past eight to 10 years."Most of the foreign investments coming to Asia have gone to China. Constraints that have dampened investor sentiment include the shortage of well-trained human capital," he said."Investors claim lack of the right people and right number is a deterrent to foreign investors setting up base in the country," Zainal said, adding that high cost of doing business in Malaysia also drove foreign investors to look at alternative locations."High regulatory cost and excessive regulations can drive investors away and it was therefore imperative to improve the government delivery system," he said. --
Bernama
Read more: 'Double-dip recession for Malaysia unlikely' http://www.btimes.com.my/Current_News/BTIMES/articles/20100616181222/Article/#ixzz0ctaP9GGk
***
Malaysia is unlikely to face a double-dip recession as the country has come out of a slow growth phase over the last few years, according to an economist.Datuk Dr Zainal Aznam, a member of the National Economic Advisory Council, said with Malaysia becoming more integrated with Asia, continuous regional growth would be an additional boost to the Malaysian economy."
If Asian countries, particularly China and India, continue to develop, it would be an additional boost for Malaysia''s economic recovery. Anything that boosts Asian growth will be good for Malaysia," he said."If Asian countries, particularly China and India, continue to develop, it would be an additional boost for Malaysia's economic recovery. Anything that boosts Asian growth will be good for Malaysia," he said.
In an interview with Bernama, Zainal said if Malaysia achieved its ambitious target of 12.9 per cent growth in private investment under the 10th Malaysia Plan or even less, this would enhance the growth rate and indirectly contribute to the anticipated gross domestic product (GDP) of six per cent."
The New Economy Model is even more optimistic. If you really follow the prescription in the new growth model that encompasses a lot of liberalisation, good governance and reducing the cost of business, that could add another half percentage point to the GDP," he said.
On Malaysia's second-quarter GDP, Zainal expects it to be lower than the first quarter.The country registered a 10.1 per cent GDP growth in the first quarter this year."The first quarter started from a low base when compared with the previous quarter, as such giving a synthetic picture of a rapid jump in the growth rate," he said."So, in the second quarter, I'm expecting the GDP growth to be less than 10 per cent. I would be quite happy to see anything between six and eight per cent."
Asked whether emerging markets could overshadow Malaysia in the pursuit to achieve the forecast growth, Zainal said it was no secret that Malaysia and other South-East Asian countries had lost out to China over the past eight to 10 years."Most of the foreign investments coming to Asia have gone to China. Constraints that have dampened investor sentiment include the shortage of well-trained human capital," he said."Investors claim lack of the right people and right number is a deterrent to foreign investors setting up base in the country," Zainal said, adding that high cost of doing business in Malaysia also drove foreign investors to look at alternative locations."High regulatory cost and excessive regulations can drive investors away and it was therefore imperative to improve the government delivery system," he said. --
Bernama
Read more: 'Double-dip recession for Malaysia unlikely' http://www.btimes.com.my/Current_News/BTIMES/articles/20100616181222/Article/#ixzz0ctaP9GGk
Market naik saham pun naik lah
Antara site yang selalu saya lawat ialah
http://www.publicmutual.com.my/application/fund/performance.aspx
Ia memberikan harga terkini tentang dana-dana. Walaupun ia dalam peratus ia akan memberikan gambaran terkini.
Contoh di bawah adalah graf Public Islamic Equity Fund
Kalau anda mahir techical analysis, boleh guna kat sini.
Saya tengok FBMKLCI yang lebih kurang Shariah Index. Saya suka tengok gap. "Market naik tapi saham turun" hampir tak logik di sini.
http://www.publicmutual.com.my/application/fund/performance.aspx
Ia memberikan harga terkini tentang dana-dana. Walaupun ia dalam peratus ia akan memberikan gambaran terkini.
Contoh di bawah adalah graf Public Islamic Equity Fund
Kalau anda mahir techical analysis, boleh guna kat sini.
Saya tengok FBMKLCI yang lebih kurang Shariah Index. Saya suka tengok gap. "Market naik tapi saham turun" hampir tak logik di sini.
Tuesday, June 15, 2010
Public Mutual ke? Atau yang lain ke?
Sebab ramai betul yang bertanya saya mana satu lebih baik public mutual ke? Ke yang lain lagi best. Atau sama je. Cuma public mutual lebih besar.
Saya cuba bagi pendapat tapi dah tentu pendapat saya alah paham ajelah.
Bagi yang baru masuk sebagai UTC, kita kena bagi servis yang baik kepada pelanggan kita. Bukan jual , jual dan jual. Kita adalah consultant. Kita mempunyai pendapat tersendiri mengenai market. Bila market naik kita beli equity yang sesuai tapi bila market turun, kita beli dana yang sesuai ketika jatuh. Antara dana yang sesuai adalah money market fund. Di public Mutual kita ada public islamic money market fund. BUKAN semua company ada money market fund. Check dulu.
Public mutual adalah yang terbesar dan memenangi anugerah untuk beberapa tahun berturut-turut. lebih 1/3 dana private diurus oleh public mutual. 2/3 lagi dikongsi oleh 40 ke berapa unit trust company. Ramai pula yang percaya di public mutual tetapi tidak yang lainnya sebab ada syarikat dana-dana yang dah tutup. Ramai agen yang bertukar dari company lain ke public mutual. Kemudian nanti mereka yang di company lain sukar mendapatkan client dan lebih sukar mendapatkan downline. Downline ini memberikan anda kemudahan tetapi nak dapatkan downline untuk join dia di company lain selain daripada public mutual adalah payah. Ingatlah ianya payah.
Anda kata "join public mutual sudah tepu sangat-sangat dan susah sangat." Kami di public mutual tidak perlu lawan kerana terlalu banyak dana dan kita baru ambil kurang 2% dari KWSP.
Antara sebab UTAMA adalah kita telah memenangi Best Islamic Fund Manager oleh falaika advisor. Saya amat pentingkan yang islamic sampai money market fund pun saya nak islamic. Banyak yang tak islamic. Money market tu pun biasanya orang fikir tak islamic. Tapi public mutual ada dana public islamic money market fund.
Di public mutual training adalah no 1. Dan harga pun murah. Nak recruit pun senang. Saya yang 2 tahun lebih telah dapat 15 orang di bawah saya. 3 orang lagi belum lulus exam.
Saya cuba bagi pendapat tapi dah tentu pendapat saya alah paham ajelah.
Bagi yang baru masuk sebagai UTC, kita kena bagi servis yang baik kepada pelanggan kita. Bukan jual , jual dan jual. Kita adalah consultant. Kita mempunyai pendapat tersendiri mengenai market. Bila market naik kita beli equity yang sesuai tapi bila market turun, kita beli dana yang sesuai ketika jatuh. Antara dana yang sesuai adalah money market fund. Di public Mutual kita ada public islamic money market fund. BUKAN semua company ada money market fund. Check dulu.
Public mutual adalah yang terbesar dan memenangi anugerah untuk beberapa tahun berturut-turut. lebih 1/3 dana private diurus oleh public mutual. 2/3 lagi dikongsi oleh 40 ke berapa unit trust company. Ramai pula yang percaya di public mutual tetapi tidak yang lainnya sebab ada syarikat dana-dana yang dah tutup. Ramai agen yang bertukar dari company lain ke public mutual. Kemudian nanti mereka yang di company lain sukar mendapatkan client dan lebih sukar mendapatkan downline. Downline ini memberikan anda kemudahan tetapi nak dapatkan downline untuk join dia di company lain selain daripada public mutual adalah payah. Ingatlah ianya payah.
Anda kata "join public mutual sudah tepu sangat-sangat dan susah sangat." Kami di public mutual tidak perlu lawan kerana terlalu banyak dana dan kita baru ambil kurang 2% dari KWSP.
Antara sebab UTAMA adalah kita telah memenangi Best Islamic Fund Manager oleh falaika advisor. Saya amat pentingkan yang islamic sampai money market fund pun saya nak islamic. Banyak yang tak islamic. Money market tu pun biasanya orang fikir tak islamic. Tapi public mutual ada dana public islamic money market fund.
Di public mutual training adalah no 1. Dan harga pun murah. Nak recruit pun senang. Saya yang 2 tahun lebih telah dapat 15 orang di bawah saya. 3 orang lagi belum lulus exam.
Monday, June 14, 2010
Beri Kad adalah amat penting
Ramai yang tanya saya, macammana saya start berbual tentang amanah saham.
Saya tak tahu camne, ikut kesesuaian masa. Antara yang saya selalu buat adalah hulur card. Saya bagitau kat belakang ada jadual untuk EPF. Saya bagitau siapa yang ada EPF tapi TAK MELABUR memang SAH-SAH kemungkinan rugi itu tinggi. Kemudian saya tunggu dia bertanya. "Ni macam mana ni" , "EPF Boleh keluar ke?" , "Public mutual , kakak punya rugi kot." , "Saham sekarang ni tak bagus kan?".
Dua soalan akhir tu saya memang suka. Market kita memang OK, dia kata TAK. Sebab mungkin dia masuk awal tahun 2008 yang mana kita tidak menggalakkan orang masuk ke dalam dana dana equity kecuali kita suruh orang masuk Public Islamic Money Market Fund.
Sekiranya memang betul dia masuk awal 2008, maka suruh dia labur lagi supaya jadi lebih rendah harga yang dia beli. Agen boleh ada 2 orang atau 5 orang atau 6 orang tak kisah.
EPF withdrawal tu besar tapi tak cukup besar.
Article dalam thestar itu memang satu berita yang baik untuk Unit Trusts Consultant tapi saya menjangka ia akan pergi lebih besar dari itu. Ini adalah kerana UTC belum begitu aggresive. Tapi apabila pelabur telah tahu kelebihan unit trust dan kekurangan KWSP, maka masa itu orang akan menjadi pelabur yang akan mencari UTC untuk melabur.
Semoga kita berjaya nanti. Kita menggalakkan orang melabur, kita juga dapat untung, client pun dapat untung. Adakah kita bersedia?
Semoga kita berjaya nanti. Kita menggalakkan orang melabur, kita juga dapat untung, client pun dapat untung. Adakah kita bersedia?
Friday June 11, 2010
More EPF members making withdrawals for unit trust plan
KUALA LUMPUR: A significantly larger number of Employees Provident Fund (EPF) members have opted to withdraw part of their retirement savings for investment in unit trusts.
The amount withdrawn under Members Investment Withdrawals in the first quarter of 2010 rose 43.26% to RM911.15mil from RM636.01mil withdrawn in the corresponding period last year, said EPF in a press statement.
Total applications approved under this withdrawal increased to 113,809 from 87,420 in the same period last year.
“The increase in withdrawals for investments is in tandem with the recovery in the domestic economy that began in the third quarter of 2009, and has since continued to gain momentum,” said EPF chief executive officer Tan Sri Azlan Zainol.
He added that the increase was also attributed to the rise in the number of members who were eligible for investment withdrawals.
Priority towards prudent investing was also reflected in the increasing number of retirees who opted for Flexible 55 Withdrawals to stretch the value of their retirement savings as opposed to Lump Sum Withdrawals. — Bernama
More EPF members making withdrawals for unit trust plan
KUALA LUMPUR: A significantly larger number of Employees Provident Fund (EPF) members have opted to withdraw part of their retirement savings for investment in unit trusts.
The amount withdrawn under Members Investment Withdrawals in the first quarter of 2010 rose 43.26% to RM911.15mil from RM636.01mil withdrawn in the corresponding period last year, said EPF in a press statement.
Total applications approved under this withdrawal increased to 113,809 from 87,420 in the same period last year.
“The increase in withdrawals for investments is in tandem with the recovery in the domestic economy that began in the third quarter of 2009, and has since continued to gain momentum,” said EPF chief executive officer Tan Sri Azlan Zainol.
He added that the increase was also attributed to the rise in the number of members who were eligible for investment withdrawals.
Priority towards prudent investing was also reflected in the increasing number of retirees who opted for Flexible 55 Withdrawals to stretch the value of their retirement savings as opposed to Lump Sum Withdrawals. — Bernama
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