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pasal bank rakyat ni kira confidentlah sikit coz dia ada panel syariahnyer sendiri... but now dah close so kena que kalu nak invest... but macam forumer ckp, ada ke org yang nak kuar kalau return baik cam tu....
asb ni susah sikit nak ckp.... aku sendiri dah jual sumer palaboran dlm asb.... was2 lah... |
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andak, nape jual semua pelaburan dari asb? :hmm: |
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Originally posted by Andak at 21-9-2005 12:53 PM
aku bukan agent unit trust k... yang aku tau, unit trust is for mid to long term investment... minimum 3 years... kalau shorter dari tu... memang xnampak untungnyer lagi kecuali market masa tu betu ...
Assalamulaikum/Hi,
You were saying "One will not make any profit in this period of three years from now"
Well, let me explain one thing about unit trust in general. It is kinda difficult to explain on paper though. It is just my point of view. There is no right or wrong here.
For of all, almost all unit trusts promote a medium to long term invest that is 3-5 years.
The return of each unit trust fund differs from one to another. It is because in SBB for example, there are more than 26 funds available. Also the return is not predicable. Normally, we say that the minimum average return is 8-12% per year. But for last year itself, there was fund in SBB called Dana Al-Hikmah contributed 19.08% return. It is considered as a bonus for the investor.
We also say "The previous performance is not an indication of the future". There is no one in unit trust or even the Fund Manager to simply predict the return annually. There are a lot of factors which will determine the rate of returns.
However, as a layman term, it is pretty much like Formula I vs. Michael of Ferrari. Of course there is no guaranteed that Michael will lead all the time. It is depend the reliability of the engine, tires, his way of driving, etc. UNPREDICTABLE. But it is proven that for the last few years, Micheal is No 1 driver. To lead all the way, everybody works hard for it.
Similar case can be applied to unit trust. If one fund has always showed tremendous performance (good return), of course the Fund Manager, Trustee will have to work hard to maintain it. That is what they are paid for, right?
Anyway, anytime when a client wants to invest, there are 3 main questions to be asked:
1. What is his/her expected returns annually?
2. What is the risk level he/she is going to take?
3. What is the time horizon he/she like to have?
So, let say he considers to invest in long term. It means that if he does not need the money in a few years time, he can invest in balanced fund (60% exposed to Bursa. 40% fixed securities or liquid asset). This is moderate return and less risk. It is because all these fund money will be invested in a profitable companies over a long run (3-5 years). The return can be seen after 3 or more years. But hey..look the below figures (Base on 2004 Master Prospectus)
For example,
If he invests in Retirement Balance Fund (RBF), it抯 average return for last 3 years and 5 years is 16.56% and 18.71% respectively. Even the Bursa shares was so low for the past 3 years, still it makes money because only 60% of its income is generated from Bursa.
So it objects your statement earlier, that there is no way unit trust can perform in next 3 year or so. Again, it depends on these three factors.
FYI, unit trust company esp SBB Mutual Berhad (Previously it was called as BHLB Pacific Trust) was introduced in Malaysia since I was in form 4. It is still there now after I have been working for almost 11 years. In other words, unit will always capitalized the market over a period of time when more and more people invest in it. Now there is more 11% of Bursa Malaysia come from unit trust. It is predicted by 2020, we will be having 40% in Bursa.
I hope that answer your questions.
Regards,
Sany |
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Originally posted by lonely_surina at 21-9-2005 02:30 PM
andak, nape jual semua pelaburan dari asb? :hmm:
macam sy ckp... masih was2... so, amik safe side ( not in term of return k ) and invest kat unit trust yang fall under shariah... kalau talk about safe on return, memanglah ASB.. |
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satu lagi pasal kereta..... do drive carefully.
aku baru accident tadi, langgar kereta kat depan. so, whatever dividen/ bonus ASB tahun ni, hangus macam tu je,,,,dok bayar nak baiki kereta.
tensen....tensen,,,,, |
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ace This user has been deleted
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sany and others,
good info though. "just got back from a longggg vacation and journey to other thread/topic".. baru arini menjengah. sebelum ni ada pun sekadar menengok2 apa yang terbaru dalam topik ni. its good to have someone yang benar2 tau akan unit trust. at least we can have an idea how to organize or money wisely. |
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Originally posted by hasaru at 21-9-2005 07:19 PM
satu lagi pasal kereta..... do drive carefully.
aku baru accident tadi, langgar kereta kat depan. so, whatever dividen/ bonus ASB tahun ni, hangus macam tu je,,,,dok bayar nak baiki kereta.
te ...
Tentu banyak simpan dalam ASB ni.. I ade satu article.. dari sorang kawan.. you might wanna read it....just an opinion ..there is no right or wrong here..
FYI esp for those who do not subscribe Yahoogroups
Sany
From: Sabarudin Bin Harun
Date: 07/13/05 10:59:26
To: undisclosed-recipients:
Subject: Melabur dlm ASB guna loan bank, Untung @ Rugi? FIKIR-FIKIRKANLAH...
Sebagai seorang akauntasi dlm dprt, ini pandangan saya...... kalo buleh bagi comment.....it makes sense...Cuba anda
fikir-fikirkan......
Assalamualaikum dan Salam Sejahtera,
Kalau tak silap saya, belum ada orang yang beri jawapan sama ada untung atau rugi buat ASB loan ini. Jadi izinkan saya berkongsi sedikit pengetahuan saya sama ada elok atau tidak elok buat ASB loan ini.
Analisis yang saya buat ini cuma ringkas saja dan tidak berniat untukmemburuk-burukkan pihak tertentu. Hanya sekadar untuk pertimbangan anda sebelum membuat keputusan untuk membuat ASB Loan (melabur ke ASB dengan duit pinjaman bank).
Dari contoh simpanan ASB RM 100,000 yang terdiri dari Deposit RM 5,000 manakala RM 95,000 pinjaman bank mengikut kadar BLR + 0.5% (iaitu 6.9% setahun) ==> Bayaran bulanan RM 731 untuk tempoh 20 tahun.
Seperti yang diiklan, dividen akan diberi terus kpd anda.
Contoh:
Dividen 7% setahun, anda akan dapat RM 7,000 setiap tahun. Boleh dibelanjakan apa saja anda suka dan at the end of 20 years, anda akan terima RM100,000 yang boleh digunakan untuk beli rumah, pendidikan anak dan sebagainya.
Cara A - Gunakan dividen untuk bayar semula pinjaman
------------------------------------------------------------------
Hasil pengiraan saya menggunakan software Optimoney, jika dividen 7% setahun atau RM7,000 itu dibayar semula kpd bank untuk mengurangkan baki pinjaman anda, loan ASB anda dijangka selesai dalam masa 7 tahun 6 bulan dengan jumlah pembayaran penuh hampir RM 120,82 (termasuk deposit RM5,000 dan dividen RM7,000 yg dibayar semula setiap tahun) Ini bermakna, anda terpaksa membayar RM 120,000 untuk mendapatkan RM100,000 selepas 7 hingga 8 tahun.
Untung atau rugi?
Jika anda labur RM 731 ke dalam ASB setiap bulan selama 8 tahun pun, simpanan anda akan menjadi RM94,260. Campur deposit RM 5,000 yang disimpan utk 8 tahun juga, future value adalah RM 8,590. Total nilai pelaburan anda = RM102,850. Dah lebih RM100,000 dah.
Cara B - Belanjakan Dividen setiap tahun & maintainmembayar bulanan kpd loan
------------------------------------------------------------------------------------------------
Bagi loan RM 95,000 untuk 20 tahun pada kadar 6.9% setahun, jumlah pembayaran penuh selepas 20 tahunadalah RM 175,359 (kos) Dengan dividen RM 7,000 untuk 20 tahun = RM 140,000 dan duit ASB selepas 20 tahun = RM 100,000 (+) Duit Yang Diterima => RM 240,000
Secara kasar, nampak macam anda untung sebab anda perolehi RM 240,000 Dalam masa 20 tahun sedangkan kos pinjaman anda berjumlah RM 175,359 shj.
Untung pada mata kasar ==> RM 64,64
Tetapi, bila mengambil kira kesediaan dan keupayaan anda maintain Bayaran bulanan RM 731 selama 20 tahun, anda sebenarnya rugi besar. Ini kerana dengan simpanan RM 731 ke dalam ASB untuk tempoh 20 tahun, Nilai pelaburan anda akan menjadi RM 383,018 ! Ini bermakna, oleh kerana anda ambil ASB loan dari bank, anda kehilangan 'potential gain'.
Total Value jika anda simpan sendiri = RM 383,018
Total gain kalau anda ambil loan = - RM 240,000
---------------------------------------------------------------
Kehilangan Keuntungan RM 143,018
Siapa yang untung sebenarnya? ==> Bank !
Dengan modal pinjaman RM 95,000, bank terima RM175,359 dari anda sepanjang 20 tahun itu. Ini bermakna mereka untung lebih RM 80,000 dari keuntungan ASB yang anda boleh dapat jika anda simpan guna duit sendiri. Masalahnya, bank tidak boleh melabur dalam ASB kerana ASB adal h untuk individu bumiputra. Dengan ASB loan, mereka dapat buat untung hasil dividen ASB yang mereka ambil dari pelaburan anda.
Yang Rugi ==> Anda sebenarnya!!!.
Oleh itu, lebih baik anda simpan ASB menggunakan duit sendiri.
Moralnya, jangan melabur dengan duit hutang. Diharap email ini dapat menjawab dilemma anda selama ini.
Terima kasih. |
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Originally posted by hasaru at 21-9-2005 07:19 PM
satu lagi pasal kereta..... do drive carefully.
aku baru accident tadi, langgar kereta kat depan. so, whatever dividen/ bonus ASB tahun ni, hangus macam tu je,,,,dok bayar nak baiki kereta.
te ...
awat hasaru, hang xda beli insurance 1st party ke?? excess hang tinggi ke? Kalua orang depan claim insurance hang, baik hang pun claim sekali... |
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sany, dah nama pun pinjaman bank... bila dah melibatkan 2 pati, keuntungan pun kenalah bagi dua... ( not directly k)
about my above post, it depend on which unit trust yang u invest, thats why knowledge is important.. i invest dlm agak banyak jenis unit trust, some perform sgt baik, some belum beri pulangan w/pun dah labor lebih 2 tahun... as they say, dont put all eggs in one basket... as i am not unit trust agent, i wont named names here as each unit trust agent will say their is the best... pepun yr co unit trust is among the best... hehehe.. xnak belanja makan ke? promo ni... |
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Teringat masa bujang dulu, boleh simpan RM1500 setiap bulan, tanpa sebarang kegagalan selama 7 bulan. Tapi hangus duit simpanan tuh dek rancangan kahwin.
Lepas masuk thread nih barulah timbul kesedaran nak uruskan duit simpanan dengan baik.
Terima kasih pada semua orang. |
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Yeah, memang setuju dengan pendapat "There is no other way to get wealthier without DISCIPLINE".
Disiplin tuh amatlah penting dan mesti dikuatkan atau disandari dengan matlamat.
Matlamat itu plak perlu disokong oleh motivasi diri.
Dan untuk terus bermotivasi, selalulah memandang kehidupan mereka yang telah berjaya.
p/s - just my personal opinion. |
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Originally posted by sany48 at 22-9-2005 02:17 PM
Tentu banyak simpan dalam ASB ni.. I ade satu article.. dari sorang kawan.. you might wanna read it....just an opinion ..there is no right or wrong here..
FYI esp for those who do not subs ...
emm gud info nih...
ramai org kelabu mata bila masuk bab ni..
tu belum masuk topik kalau BLR naik sampai 10% ..tgk ikut mata kasar pun dah tentu loss |
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Originally posted by Andak at 22-9-2005 03:23 PM
sany, dah nama pun pinjaman bank... bila dah melibatkan 2 pati, keuntungan pun kenalah bagi dua... ( not directly k)
about my above post, it depend on which unit trust yang u invest, thats why k ...
Hi,
It is good that you have saved the money.. Now I would say SAVE MONEY FOR LIFE!
I have no problem to declare that I am a unit trust consultant with SBB. Why I disclose my identity. This business is only about money, pride which unit trust you are belong to, how much comission you make. I guess this is business also about sharing with others about the good thing offered in unit trust.
Also I am educating myself and other to start saving the money for the future. Once the saving habit habit is developed, then you will start reducing your spending on unnecessary things. See..I like this business....It is good to be such a GIVER.
So, Andak.. who is suppose to buy a lunch here.. me a GIVER. or you ..? hahahaaha.. Andak, if at one point of time, you really need some money to buy a food.. just to make you alife.. just gimme a call...
Sany |
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Sorry..I have a few things to clarify.. add...
Hi,
It is good that for you have the money saved in unit trust, ASB, etc.. Now I would say SAVE MONEY FOR LIFE!
I have no problem to declare that I am a unit trust consultant with SBB. Why should I disclose my identity. To be a good person in anything, we should be transparent enough. We have no right to judge ourselves. It is the other person whom can do that..
This unit trust business is not only about money, pride of having which unit trust company you are belong to, how much commission you make per month but also about sharing with others about the good thing offered in unit trust.
Also, I am educating myself especially and others as well to start saving the money for the future. It can be in any investment vehicle.s. As for this case, it is the unit trust. We have more than 10 different players in Malaysia with its unique and advantages. It is good though because potential customers/clients will be able to make choice. As a agent, I should not be too static about it.
Ok. once these clients/customers have developed the SAVING habit, then he/she will start cut spending on unnecessary things. As a result, once he/she invested in unit trust, he/she get the good habit, he/she also will be able to get return as much as 10-20% peryear. Of course there is risk available. That is why the return is higher.
See..that is why I like this business. Above all, it is good to be such a GIVER after all these years.
I have a few clients whom just invest RM500.00 for the first time ever. It is because that is the only money she have due to so many commitments...she is like old saying says "Besar periok, besar la keraknya" . As for me, I like to change the proverb to " Besar periok, besar la simpanannya"...The former proverb is no longer applicable. relevant...
So I have been telling her all the time.. as long as she has thought.. that is very important..it the HABIT is important once..
For those who do not have so many commitment now, you might want to consider it to save now. again as low as RM50.00 per month or whenever you have the money. It is ok which to decide whihc unit trust do you wanna choose or saving method do you like to.. as long as you make a first step that is.. START SAVING...
Sany
p/s Anyway, Andak.. who is suppose to buy a lunch here.. me a GIVER. or you ..? hahahaaha.. Andak, if at one point of time, you really need some money to buy a food.. just to make you alife.. just gimme a call... |
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Originally posted by Andak at 21-9-2005 01:27 PM
pasal bank rakyat ni kira confidentlah sikit coz dia ada panel syariahnyer sendiri... but now dah close so kena que kalu nak invest... but macam forumer ckp, ada ke org yang nak kuar kalau return b ...
Andak & others,
Betul tu.. memang Saham Bank Rakyat bagus.. tapi dah tutup.. but if you have extra money..
Banyak lagi la Islamic Investment Vehicle...you will be surprise to see that it the same Islamic Panel Advisors who lead SBB Mutual Islamic Fund. ..there is a choice, right? Juga dalam MAAKL mutual, Public Mutual, Hwang DBS,CIMB etc.
Tapi kalau you all nak jugak invest kat tempat2 yang tak jelas.. jgn salah2kan saper2 la...5 years ago boleh kata Kerajana tak prihatin..now Kerajaan dah kasi option...For your info, again...again..I used to be telling everyone, there are 3 things which are very clear to determine whether it is Islamic or not (maybe there are other too). But for now they are:
a. No riba' transaction no matter how small it is....minyak & air takkan boleh campur..
b. No alcohol transactions
c. No gambling factors
See for yourselves.
Sany |
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unit trust ni yg tak best sikitnya..
capital tak protected laa.. |
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Sany, when are u free? Come over to my place, i belanja u makan.... |
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Originally posted by Andak at 23-9-2005 11:20 AM
Sany, when are u free? Come over to my place, i belanja u makan....
Andak,
Hahaha I am just kiddin.. I seldom take things for FREE.. as a matter of fact, I like to contribute... where are you at?
Tapi kalau lepas makan you kena dengar apa I nak cakap pasal SBB ni...nak invest ke tak..that is secondary.. amacam? Even if have already invested.. you can still diversify... or you choose to meet me. listen..and do nothin about it. also cannnnnn..
Sany |
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Originally posted by zamz00 at 23-9-2005 11:11 AM
unit trust ni yg tak best sikitnya..
capital tak protected laa..
Hi,
You nak protection save je kat
No risk
Saving account return = 3% per peryear
Fixed Deposit =3-4% per year (base on maturity)
ASB =7% per year + 2.25% (Only for those save more than 10 years)
Tabung haji =4.5% per year
Amanah S Bank Rakyat =15% per year (No more. dah close)
Risk (Depend on funds)
Unit trust SBB (> 26 funds)
Conventional = 10-30% per year
Islamic =10-20% per year Avg 8-12%, min per year which is much better than others.
In unit trust we say "Past performance in not indication of the future"
To avoid so many risk
a. Use diversification concept
b. Use Dollar cost averaging concept
Again, I like to say. life is about risk...driving in the road is also exposed to risk. hit or being hit..to reduce the risk..but a good car. MERCEDES, BMW.. but you need to pay more....as simple as that..
You make a choice...
Sany |
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sany,
"just listen and doing nothing"? are u sure? u must expect to get something... nanti penat jek... as for me, i want u to taste my nasi ayam only... hehehe... kalau sedap tell your friend about it, kalau tak sedap, just tell me quietly lah, so i can ask my chef to improve... how about it? but we must do it after working hours, kena keje gak bang.. but my place open 24hours..
sorylah mod, off topic jap...
andak... |
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Category: Belia & Informasi
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Post time 21-9-2005 01:27 PM
Author
