unit trust CIMB

maksubita

bagaimana keadaan UT sekarang, ada kesan tak dgn kejatuhan ekonomi?

wealthguy

skrg ni lah masa org patut buat pelaburan.
take advantage on the current economy situation
beli masa tgh murah, jual time harga dia mahal nnt.

nak bg mudah paham, skrg nih ialah shooping time.
unit price is low, like a discounted price.

ingat... buy at low price, sell at hi price!
baru la dpt untung byk nnt

maksubita

saya tanya agen sy, betul ke DALI 1 takde dividen? cam ne saya nak dpt keuntungan?

ahmaddamanhuri

Article from Dato' Noripah Kamso

Investment strategies that cut risks, costs
By Noripah Kamso

If anything, most people are not saving near-ly enough for retirement, so the focus should be on saving more, not less.

ARE you one of the lucky few who has plenty of money to invest but worries about stock market volatility? Or maybe, like most people, you don't have a lot of spare cash lying around to put in the market? In either situation, two strategies - ringgit-cost averaging and value averaging - could get your ringgit working for you with less risk and cost.

The basic idea behind ringgit-cost averaging is that instead of investing a sum of money all at once, you invest bit by bit regularly over a specific time. So, for example, if at the beginning of the year you have RM12,000 to invest in an equity unit trust fund, you may invest RM1,000 each month over the course of a year instead of investing it all at once.

This strategy helps you reduce risk because you're ultimately buying a selection of stocks (via a diversified fund) at a variety of prices throughout the year, instead of buying all these shares at a single price.

Value averaging works a bit differently. You first figure out how much money you need to accumulate for a certain goal, such as retirement. Then, based on the annualised return you expect to earn on certain investments, you work out how much you must invest each month to achieve the goal.

Each method requires different efforts and yields different results.

The ringgit-cost averaging and value averaging strategies do not provide magical formulas that simultaneously boost gains and lower volatility. Neither of them will give you any real control over the returns you earn. The markets largely determine that.

These methods give you a disciplined framework for saving. In addition, these strategies may lower the volatility of your portfolio somewhat, and more importantly, help you sleep at night.

Ringgit Cost Averaging

Ringgit-cost averaging is good for people who get frightened when the market drops after they invested a lump sum in it. They will feel better spreading out their investment over the year because it means regularly investing a fixed sum regardless of which way the stock market is moving.

When prices are high, the monthly investment buys fewer units, and when prices are low, the same amount of money buys more units. Over time, you will probably wind up with more shares at lower prices than if you buy them all at once. This method reduces your average share cost and spreads your investment risk over time. By putting money in a little at a time, you don't have to worry if the market is going up or down.

It is also simple to put this strategy into practice. Investors can do a simple standing order that transfers a monthly sum from their bank accounts into our unit trust funds. They can also obtain a CIMB Bank Credit Card through CIMB Wealth Advisors and conveniently charge their monthly investment on the card.

Value Averaging

Value averaging provides a much more systematic way of reaching a specified amount than regular ringgit-cost averaging. Since you are monitoring the value of your portfolio, you know right down to the ringgit whether you are on track and, if you are not, exactly what you need to do to get back on track.

For example, your goal is to accumulate RM500,000 over the next 20 years. If you believe you can earn an annualised return of eight per cent, then you would need to put away about RM875 a month. You can then chart your progress month by month towards that goal.

Here's where the "value" part of value averaging comes in. Let's say, at the end of the first year, instead of having the RM10,950 you should have to be on track toward your goal, a downturn in the markets leaves you with just RM10,000. That would mean that the next month, instead of investing your usual RM875, you would invest an additional RM950 to bring your portfolio's value to where it should have been, to remain on track towards your goal.

In fact, you would go through this process each month. In months where you fall behind, you would add to the amount you invest each month. In months where your returns are higher than expected and your portfolio's value gets beyond where it needs to be, you would scale back your monthly investment, or even possibly end up selling some units.

There are various ways to carry out this strategy. Instead of adjusting your investment amount each month, you could recalculate it every three or six months, even yearly. This is the essence of how value averaging works.

But like any system, value averaging has some drawbacks. If the market goes into a prolonged slump, or if you simply overestimate the potential return you can earn, you could end up having to make very large contributions to keep your account value on track. If you're not able to make these higher contributions, you may have to abandon your plan, or create a new one.

It also requires more discipline and efforts than ringgit-cost averaging. You will need to actively monitor your portfolio and re-adjust the amount you invest accordingly, to reach your goal. Unless you are highly motivated, it is likely you would need a financial planner or an adviser to help keep you on track.

Value averaging also requires that when everyone else panics, not only must you remain calm and continue to purchase stocks, you must also invest in far larger amounts than in calmer times. This is precisely why value investing works better than ringgit-cost averaging: It forces investors to buy more unit trust funds when prices are low than when they are high, increasing overall potential returns, on average.

Comparing the Two

Ringgit-cost averaging forces investors to spend a fixed dollar amount at regular intervals on a particular investment or portfolio, regardless of the unit price and time horizon.

However, value averaging is more ideal for investors who want to achieve their goals within a specific time. It is a formula-based investment technique where a mathematical formula is used to guide how much is invested into a portfolio over time.

While ringgit-cost averaging still works well, value averaging continues to outperform by producing generally higher potential returns.

According to Michael Edleson, author of Value Averaging, "Value averaging is about as close to 'buy low, sell high' as you can get without a crystal ball." I encourage you to read this book if you wish to find out how to put value averaging into practice.

Conclusion

The main benefit of both methods is they provide a disciplined framework for saving and taking advantage of the power of compounding interest, which could lower your portfolio volatility.

If anything, most people are not saving near-ly enough for retirement, so the focus should be on saving more, not less. At the end of the day, the solution is to save as much as you reasonably can, regardless of what the market is doing. When you're investing for long-term goals, your ultimate aim is to reach those goals. And the more you save, the better the odds of you attaining that goal.

Datuk Noripah Kamso is the chief executive officer of CIMB-Principal Asset Management Bhd

ahmaddamanhuri

CIMB Wealth in strategic tie-up with AIA signed

CIMB Wealth Advisors Bhd is partnering AIA Bhd, the Malaysian unit of American International Assurance Co Ltd (AIA Co), to offer a wide range of insurance plans to consumers.

Under the 10-year exclusive agreement, 5,500 agents and financial planners of CIMB Wealth Advisors will sell insurance products underwritten by AIA and its takaful unit AIA Takaful International Bhd.

Since the beginning of the month, CIMB Wealth Advisors has been offering investors about eight selections of protection scheme from AIA.

The strategic alliance will enable both parties to leverage on their respective strength in wealth planning and insurance protection solutions.

The two parties formalised the partnership in Kuala Lumpur yesterday, witnessed by CIMB group chief executive officer Datuk Seri Nazir Razak and AIA Co president and chief executive officer Mark Wilson.

AIA was represented by its chief executive officer Khor Hock Seng.

"The collaboration provides a huge opportunity that will benefit both parties," CIMB Wealth Management chief executive officer Tan Beng Wah said.

ahmaddamanhuri

Originally posted by maksubita at 30-3-2009 16:51
saya tanya agen sy, betul ke DALI 1 takde dividen? cam ne saya nak dpt keuntungan?

DALI 1 regularly gives dividends, if fact almost every year.
To answer ur 2nd question, if u're not given dividends, u can still gain profits from capital gain and bonus given.
However, the bottomline is good management by ur consultant towards ur funds.

[ Last edited by  ahmaddamanhuri at 6-4-2009 01:01 ]

ahmaddamanhuri

Why do investors behave the way they do?
By Noripah Kamso


ONE of the first things an investor learns is to "buy low, sell high". He knows the goal, but, more often than not, ends up doing the opposite.

It is common sense: buy when an asset is priced low and sell when it is priced high; yet investors routinely buy and sell in precisely the opposite manner. This is an ageless and eternal problem.

What stories do we tell ourselves when an investment doesn't work out? What psychological tendencies do we follow again and again when we play the investment game? There is a field of study called behavioural finance that combines the disciplines of human psychology and finance to explain investing behaviour. Traditional finance assumes that by and large, human beings will act rationally, and that markets are efficient. Behavioural finance, however, assumes that investors can behave in ways that seem irrational and tries to figure out why they behave the way they do.

Certain tendencies have been identified by psychologists in this field, after analysing the mental process investors go through to come to a response, when they receive a stimulus.

It is my hope that by familiarising investors with these tendencies, they will be better able to consciously identify these traits and in future, better control their behaviour during difficult market periods. Once the awareness is there, then the possibility of true change exists.

Myopic Loss Aversion

Financial decisions spark activity in the limbic system, the part of our brain that deals with risk and reward. Researchers have discovered that people feel the sting of a loss twice as acutely as they feel the pleasure of a gain. This fear is only made worse by the financial media. Television channels are devoted to following the financial markets' every move worldwide, 24 hours a day, seven days a week. Countless websites, books, magazines and newspapers are devoted to feeding us investment information continuously. Popular wisdom says that investment decisions must be made objectively, taking into account the latest possible market information as often as possible. Is this true? The research says it's not.

Myopic loss aversion is the combination of greater sensitivity to losses than to gains and a tendency to evaluate and analyse our results frequently. Myopia means short-sightedness. Loss aversion is the strong tendency of people to avoid losses rather than acquire gains. This tendency has been found to be a general feature of the human condition; however, this feature does not produce good decision-making.

An experiment conducted in 1997 found that investors who received the most frequent feedback on how their investment was performing, or the most information and were able to change their investment allocation the most often, took the least risk and earned the least money. It turned out that investors who were updated on a monthly basis did worse in terms of money earned compared to those who were updated annually and those updated every five years. What can we take away from this finding? Investors who continually seek out frequent feedback about how their investments are doing are likely to act on their worst tendencies if they cannot control them consciously.

Order Preference

Order preference is the tendency for people to insist on certain things in a certain order for no other reason than societal convention. It causes investors to focus on the performance of individual components rather than the overall performance of the whole portfolio. Logically, investors should aim to pursue a long term, diversified asset allocation. Taking this approach will mean that the portfolio components will definitely not all perform well at all times. However when they examine their portfolios, investors tend to want each and every part of their portfolio to give a superior performance.

Even with a benchmark index like the Kuala Lumpur Composite Index (KLCI), you have stocks that performed spectacularly and those that were duds in 2007. However, taken as a whole, the KLCI was up 37.8 per cent in 2007 (Source: Bloomberg). Hypothetically, it doesn't matter that some component stocks were down 15 per cent or that other stocks climbed over 30 per cent. In total, the portfolio is up 15 per cent, which is what matters. It is the performance of the whole portfolio that impacts an investor's net worth. Investors should take caution not to focus on the individual parts to the point where they lose sight of what is important.

Confirmation Bias

Confirmation bias is the tendency to search for or interpret new information in a way that confirms one's preconceptions and avoid information and interpretations which contradict prior beliefs. An investor will tend to seek out supporting evidence of his pre-existing notions. Two investors can look at the same data and yet come up with two completely different conclusions.

For example, take the recent market volatility. There are investors who say this heralds an imminent slowdown, yet there are others who are equally convinced that this is a temporary blip and that Malaysia is still on track to perform. Sometimes, an investor will seek out a big name who says the same things he believes and relies on the big name as an authority for why he should do what he already wants to do.

To put it simply, whatever you believe, there are plenty of seemingly credible authorities to support what you believe. When it comes to investing, an investor should always carefully examine and weigh information and interpretations which contradict his prior beliefs.

Hindsight Bias

Hindsight bias is the inclination to see events that have occurred as more predictable than they in fact were before they took place. Hindsight bias has been demonstrated experimentally in a variety of settings, including in politics, games and medicine. In psychological experiments of hindsight bias, subjects also tend to remember their predictions of future events as having been stronger than they actually were, in those cases where those predictions turn out correct.

Investors deceive themselves into believing they have some special ability or knowledge that led to a good outcome. Everyone's vision is 20/20. Hindsight bias also leads us to presume prior patterns persist - the stock or asset class that did well will continue to be a star and the one that did not perform will

continue to underperform. It's a tendency to project the past into the future. This is why it's important to note that past performance is not necessarily an indication of future performance.

Overconfidence

Overconfidence is the tendency for an investor to overestimate his skill or knowledge. This may lead investors to trade too frequently, day-trade, or become overweight in a "hot" industry or sector. Overconfidence may lead an investor to concentrate his investments in one place and not properly diversify.

Remember Enron? Many lifelong Enron employees had regularly invested thousands, even millions of dollars in Enron stock to fund their retirement. The overconfidence of Enron employees in their company's prospects to the point where most of their retirement funds were invested in the company's stock is to blame for the near-total loss of their retirement accounts. This situation could have been completely preventable had they only diversified their investment holdings for retirement.

Conclusion

Investors need to be aware that all these tendencies don't work in isolation- they also work cooperatively, making completely nonsensical investment decisions seem rational even while investors make them. It does seem as if our minds are our own worst enemies, especially when it comes to investing.

Having these natural human tendencies doesn't mean you are destined to continually suffer the financial consequences. There are simple ways to curb these tendencies.

Actively control how often you update yourself on your investments and how often you follow the investment news. Make sure you're looking at things from the right perspective: taking a long-term view and analysing your portfolio as a whole, not by its individual parts. Seek out the opinions and conclusions of investors that you do not agree with and see if they have merit.

As in the area of medicine, it helps to get a second opinion. Realise that past performance is not necessarily an indicator of future performance. Finally, always properly diversify, even if you think one company or one industry is the one that will get you wealth beyond your dreams. It is essential that investors not let the primal human drives of fear and greed crowd out logic and judgment.

Datuk Noripah Kamso is the chief executive officer of CIMB-Principal Asset Management Bhd

ahmaddamanhuri

Does syariah-compliant investing limit returns?
By Noripah Kamso

THERE is a general misconception that syariah-compliant funds do not perform as well as their conventional counterparts.

This is because they are prevented from investing in certain sectors like conventional banking and entertainment.

In my view, this mistaken belief is largely due to the lack of exposure and information on the benefits and results that come with investing in accordance to syariah principles.

Sufficient Diversification

The returns shown by syariah-compliant funds, whether they invest in equity or fixed income (sukuk), compared to their conventional counterparts is not dissimilar because syariah-compliant fund portfolios are as diversified as their conventional counterparts.

In 1970, Lawrence Fisher and James H. Lorie found that the majority (95 per cent) of diversification benefits accrue when a portfolio holds 32 stocks. In 1987, Meir Statman showed a minimum of 30 to 40 stocks are needed to form a well-diversified portfolio of randomly chosen stocks.

Therefore, the investor needs to find out if there are enough stocks out there that are syariah-compliant so that a fund manager can construct a well-diversified syariah-compliant portfolio of about 30 to 50 fundamentally good companies. About 85 per cent of the securities listed on Bursa Malaysia are syariah-compliant.

There are currently 269 stocks in the FTSE Bursa Malaysia EMAS Syariah Index (1). The index comprises constituents of the FTSE Bursa Malaysia EMAS Index that are syariah-compliant according to the Securities Commission's SAC screening methodology and FTSE's screens of free float, liquidity and investability. This is a wide and deep enough investment universe from which to build a diversified portfolio of 30 to 50 companies.

To give investors an idea of the calibre of companies in Malaysia that are syariah-compliant, the table above lists 50 top companies in the Syariah Index.

This is a fairly impressive range of syariah-compliant stocks from which to build a diversified portfolio.

In addition, if the fund's mandate allows investment in syariah-compliant stocks across a region like the CIMB Islamic Asia Pacific Equity Fund, the investment universe grows exponentially. To give investors an idea of the number of regional stocks available to select from, there are 1,004 stocks included in the Dow Jones Asia Pacific Islamic Index (2).

Comparison of Index Performance

Let's now compare the 10 year performance (as at end-February 2008) of one of the widest Islamic indices available, the Dow Jones Islamic Market Index, to its conventional counterpart, the Dow Jones World Stock Index.

Looking at performance over the long-term from three different angles - monthly performance, cumulative performance, and rolling three years performance - gives us the same result: similar performance! While at times performance did vary, over the long term, both the Islamic and conventional indices performed similarly.

What about risk adjusted returns? Does the syariah-compliant index incur more risk and volatility because its investment universe is not as wide as the Conventional Index? Let's take a look at the results for rolling three years volatility and rolling three years performance/risk profiles.

Hopefully this will help to resolve to some degree the mistaken perception that syariah-compliant funds are substandard in performance as compared to their conventional counterparts.

Added Benefits

In order to be considered syariah-compliant, a company must not be too leveraged in its capital management. Take the Dow Jones Islamic Market Index methodology. Companies must meet three financial ratio requirements in order to make it onto a Dow Jones Islamic Market index:

* Total debt divided by trailing 12-month average market capitalisation must be = 33 per cent.

* Total debt divided by trailing 12-month average market capitalisation must be = 33 per cent.* Accounts receivables divided by 12-month average market capitalisation must be = 33 per cent.

* Accounts receivables divided by 12-month average market capitalisation must be = 33 per cent.* Cash plus interest-bearing securities divided by trailing 12-month average market capitalisation must be = 33 per cent.

* Cash plus interest-bearing securities divided by trailing 12-month average market capitalisation must be = 33 per cent.

The end result of meeting these three ratios is that syariah-compliant companies tend to be more resilient should an economic downturn suddenly occur compared to their conventional counterparts, which may be less resilient in a downturn because of their more leveraged financial position.

Conclusion

We have established that syariah-compliant investments can be as diversified as conventional investments, and perform on par with them. In addition, syariah-compliant companies by nature have to be relatively conservative in their capital management.

In fact, investors may find it interesting to note that syariah-compliant investing is attracting considerable interest from the Japanese investment community, given its defensive nature, ethical stance and transparency of product profitability - which provides an additional layer of risk management.

(1) Source: FTSE International Limited, 31/07/2008.

(2) Source: Dow Jones, 30/09/2008

Source & Analysis: Bloomberg & CIMB-Principal Asset Management as at 31/08/08

Datuk Noripah Kamso is the chief executive officer of CIMB-Principal Asset Management Bhd

lesung

Aku ada gak invest cimb mutual nih since 04..latest amik Dali 3.. tp rasanya market boom aku nak close semua.. pasal agent aku macam lost je..takder kontek..time nak suh orang invest baru terhegeh2 mai jumpa, call..time terasa kaya agaknye diammmm... tu pasal kastemer nak lari...macam aku

akulerorgnyer

hati2 pilih AGENCY/GAM

aku nak share sikit pada semua Unit Trust Consultant di luar sana... benda nie benda yg kita TIDAK DIBERITAHU sewaktu kita apply untuk jadi consultant.. btw.. aku pun utc CIMB gak.. benda nie sangat penting utk PENGETAHUAN dan HAK kita... berapa ramai diantara kita yang tahu bahawa "GAM berhak untuk TERMINATE kita bila2 masa, tanpa sebab dan tanpa kita diberi HAK untuk bersuara... "

cth; kawan aku (consultant CIMB), ari nie dia gie servis client, sok dia dpt surat termination letter dr CIMB, mcm tuh jer.. bila dia kol KH CHAN n CEO tuh untuk mintak penjelasan diorg main tarik tali, talk to yr GAM kata nyer... bila di tanya GAM ckp pasal tak datang KELAS!!! WTF????!!!!!

Logik tak??? dah ler tuh kawan aku tuh FULL TIME in this line... masa kita berminat nak join takde la plak diberitahu kalau tak dtg KELAS kita bley kena terminate, yg diberitahu lebih baik keja UNit Trust, bley manage yr own time coz this is yr biz. btw, kalau kita keje opis pun kita akan diberi warning letter sebanyak 3 kali br boleh kena terminate.. ni surat takde.. verbal warning takder.. alih2 kena terminate jer...

korang bayang kan, kata kan la dlm bulan nie korang dah berenti keje opis utk buat unit trust full time, alih2 bulan depan korang kena buang dr agency/CIMB mcm tuh jer... camne ngan income korang??  tak ke tu menganiya kan life org tuh?? kalau bujang ok lg... tp kalau org tuh ader family?? pikir la sikittt...

aku bukan nak bawak citer negatif pasal CIMB, tp aku nak share benda penting nie tuk semua UTC diluar sana walau apa pun level korang, accept GAM laaa.. aku still syang CIMB, tp skang aku ader doubt skett, aku takut bila aku dah berkorban jiwa raga, masa, aku kena buang camtuh jer.. apa jd kat client2 aku??? aku dah tak leh servis diorg dah.. nnt nama aku plak yg busuk dkt client2 aku...

lesung

Ari tu aku ada tima letter cari cimb wealth nih, inform agent aku dah terminate as agent..so orang lain handle mutual  aku, bila aku tanye apsal dia jawab entah..

Sp pandangan aku as client, dulu aku sign up pasal kawan aku yang jd agent so sikit sebanyak aku percaya kat dia,tp bila dia kena terminate  or else aku rasa tak seronok la nak deal ngan agen lain yang aku tak kenal..thats why aku plan nak close semua akaun kat cimb mutual..

kasibiman

Wak Kasi tgk2 baru2 neh... rasa2 mcm timing bagus jerk wat kuar EPF taruk UT.

So masuk DALI 3 3 march tawun neh.

Tp kan, compare to FBM Hijrah index, from 3 march to yesterday index neh naik 6.7%; tp DALI 3 naik 5.4% jer; -19% underperformance.

Wak Kasi sedikit kecewa ngan performance. Ada huraian?

akulerorgnyer

haaa.. tu la pasal... aku tak tipu tau... sian kwn aku nie... abis client2 dia... nak cr client bukan senang... dah dpt client... kena fired.. pehtu upline ler dpt client tuh.. kot yer buat salah pun la kan.. warning ler dulu.. kasi slow talk ker apa ker... nie mmg takder kasi chance langsung.. terminate terus..

yg aku marah + geram + frust sgt nie.. bukan aper... masa di offer jd consultant, takde ler plak ckp pasal sesuka ati leh kena buang.. mati2 di beritahu jd consultant nie mcm jd business man, have yr own biz.. masyukk tak masyuukk kita sendri yg decide.. freedom.. byk lg ler yg manis2.. sweet talker betul... mmg kena tipu btul..

so pada client kat luar sana, kalau consultant u all ilang... jgn terus maki2 tau.. entah2 consultant nie dah kena terminate.. n pada bakal2 consultant lak hati2 masa pilih agency/GAM.. mana ler tau terjumpa GAM yg gila duit.. abis client2 korang dia kebasss

ahmaddamanhuri

Bulls may drive KLCI past 1,000: OSK


MALAYSIA'S benchmark index exceeded its average level for the past 200 days, a sign the gauge is targeting to surpass the 1,000 point level for the first time in more than six months.

The Kuala Lumpur Composite Index rose 1.4 per cent to 966.69 at 10.06 am local time, past the 200-day moving average line, situated at the 964 level.

“The bulls are definitely gaining momentum on rising confidence,” said OSK analyst Shin Kao Jack in a report today.

“We would be eyeing the 1,000 psychological mark as the next target.”

The local benchmark index rallied for a sixth day, poised for the longest winning streak since an eight-day gain though March 28, 2008.

The increase reflects gains in Asian markets and a smooth leadership transition that spurred investor optimism Prime Minister Najib Razak will focus on boosting spending under the government’s economic stimulus package.

Shin yesterday predicted the busiest stock trading session in more than a year on April 14 will help drive the benchmark measure to at least 970, the highest level in six months.

About 1.4 billion shares changed hands that day, and volume rose to 1.6 billion yesterday.

Malaysia’s economy should perform better in the second half as the economic stimulus package may sustain domestic demand, central bank governor Tan Sri Zeti Akhtar Aziz said yesterday.

Malaysia has unveiled two stimulus plans worth a combined RM67 billion to shield the nation from the worldwide slump. - Bloomberg

adamalek

CIMB-Principal Wins Best Islamic Fund Award

Kuala Lumpur: CIMB-Principal Asset Management Berhad received the Best Islamic Fund Award for the CIMB Islamic DALI Equity Growth Fund at the 3rd International Takaful Summit held in London recently. The Takaful Summit is a yearly event organised by the Middle East Business Forum. Winners are selected by evaluating the performance of funds over a period of 3 years (ending 2008) in which the CIMB Islamic DALI Equity Growth Fund achieved the best cumulative performance.

The CIMB Islamic DALI Equity Growth Fund, one of CIMB-Principal’s flagship funds, performed commendably with good capital preservation over the long term. The Fund is suitable for investors looking for a medium to long-term investment period and a diversified portfolio that adheres to Islamic principles.


source: http://www.cimb-principal.com.my/CIMB-Principal_Wins_Best_Islamic_Fund_Award.aspx

Bruce_Lee

haaa.. tu la pasal... aku tak tipu tau... sian kwn aku nie... abis client2 dia... nak cr client bukan senang... dah dpt client... kena fired.. pehtu upline ler dpt client tuh.. kot yer buat salah pun  ...
akulerorgnyer Post at 12-4-2009 18:03

Hati2 dengan GAM/upline yg cuba merekrut dalam unit trust industry ni, tak kiralah dari company mana pun. Bottomline bagi diorang duit jer, diorang recruit pun sebab nak dapat duit overriding dari korang, nak besarkan group diorang, bukannya sebab ikhlas sangat. Mungkin tak semua macam tu, mungkin masih ada segelintir yg ikhlas nak menolong sesama bangsa in busines, tapi lagi banyak upline yg tak ikhlas macam ni. Jadi berhati2lah, aku hampir terkena, dah ada kawan rapat aku yg terkena, saudara aku pun ada yg terkena dengan orang macam ni....kurang ajar betul la sapa2 upline yg buat macam ni sehingga sanggup menganiaya life saudara sebangsa seagama dengan mereka semata2 kerana duit....
Hanya Allah lah yang dapat membalas perbuatan mereka...

maksubita

saya tak paham pasal unit trust, tapi ada melabur lah ngan unit trust cimb ni, sy frust lah sbb dah setahun lebih takde untung seposen pon....member masuk yang unit trus bank lain elok je untuk 30%...........bengang laaaa dahlah penyata pon tak dpt........adakah agen sy tak buat kije?cimb punya fund ni byk yg tak untung ke?

p/s saya ni pelabur yang taktau apa2 pasal unit trust just nak menyimpan dgn harapan dapat pulangan yg besar spt yg agen war-warkan.

maksubita

Boleh cite sikit pasal Global Equity Fund Islamic Dali Equity theme Fund (dali 3)bagaimana keuntungannya, bagaimana masa depannya..............cerita terus terang............

stratus

dali3 mmg stagnant kan? knp x switch fund je? alhamdulillah dah 9 bln invest dlm dali2 dpt return almost 40%

maksubita

abb agent sy bengong.