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Originally posted by Andak at 23-9-2005 11:54 AM
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 yo ...
Andak,
Yeap... I expect you to listen ...once I am done.. you can comment.. you can cut it in also .no problem..lepas tu baru makan.. nasik ayam ke. nasik itik je...nasik kerbau ke. hahahah.. before I forget. we live TO EAT..not eat to live.. .. are you running a restaurant yourself...where at? You must at least let me know your background. so that I could prepare somethin in advance.....I have to study .. do some assignment..
Actually in sales, the more people you gonna meet. the more sales you gonna get... If you don't feel like wanna do it. it is ok with me.. at least boleh makan FREE. selepas I promote unit trust to you... hahahaha
Sany |
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sany,
no need to prepare anything... u can talk to me about anything, and also no need to promote about unit trust, nanti agent i marah lak kang... rasanyer cukuplah 4 orang agent unit trust sedia ada ni... |
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Originally posted by sany48 at 19-9-2005 11:00 PM
Hi,
Apa salahnya kita angan nak pakai keta besar.. rumah besar.. as long as kita ada berusaha... Kalau tak keta2 besar tu sape pulak nak beli.. kan kan kan..
Angan2 dan sedang berusaha na ...
Memang tak salah kalau u ada business sendiri.
Tapi utk orang yang baru start kerja & makan gaji, angan2 pakai kereta besarlah salah satu angan2 yang paling destructive to your financial health. Lagipun, kereta tak macam rumah, depreciate value dia cepat. Baik kita pasang angan2 nak beli property 4-5 biji utk generate positive cash flow sebelum pasang angan2 nak beli kereta besar. |
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Originally posted by pearl_eye at 20-9-2005 09:17 AM
Setakat ni saya takde terfikir pon nak tukar hp or beli kereta sbb hp masih elok lg walaupon dah pakai since 2003 (sony ericsson t100 je..beli dgn rega 300 dulu). mak ngan ayah dr dulu dah ajar beli barang ikut kemampuan jd sampai sekarang even dah keja pon alhamdulillah pesan mak ayah tu saya ingat. kereta pon mak ayah tak kasi beli, diorang suh kumpul duit beli rumah.
pasal unit trust tu saya tak berani la nak try dulu. saya budak baru belajar..so kena start slow2. takut silap langkah, rugi je nanti.
korang yg lain mcm mana progress sekarang? nak tahu jugak kalau2 ade new achievement ke ataupon tips2 baru. sila la kongsi2.
You couldnt have better parents than them! Memang bagus parents you.
Anyway, handphone kita kena jaga betul2. I dulu hilang hp. It take months juga la nak kumpul duit beli hp baru sebab tak nak kacau my savings plan. Many financial books talk about savings, investment, property and etc. but there is one simple thing that they could advise to the readers i.e. dont lose your stuff, it cost you money to buy a new one..... |
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Originally posted by sany48 at 20-9-2005 09:56 AM
To be frank with you, unit trust has been working for almost 20 years now.. started with Public Mutual, SBB Mutual , etc. It does not surprise me at all when most of the people say something like that.. If it is really true..where do you get all these negative messages? Is it
a. From you famlly whom know nothing about it?
b. From a friend whom has never invested?
c. From a colleague whom has invested in a wrong investment vehicle?
I would say it is just a negative thinking.. I have met so many malays who have the same feelin. I wonder why.. but most of people.. races. investing in unit trust are 2nd thing after insurance.. it is for long term investment... do you know ..or do you not know..SBB Islamic unit trust provides return 10-20% peryear? You can even save as low as RM50.00 a month.. so what it the scary about it? You are investing your money thru a 20-year-experinence Certified Financial Planner in SBB. He will take care of your money... me. just unit trust messenger...
En Sany, she has only started working and there is a lot of things for people like her to explore. It is perfectly OK for her to be sceptical about something new like unit trust. When I said new, it means it's new to her and I'm not referring to new invention or product like REIT in Malaysia.
Personally, I think Malays are comfortable with the return that ASB or Bank Rakyat has to offer. I myself am not comfortable with unit trust especially the charges / fees. If I want to put my money into equity market, I will go straight directly into the Bursa Malaysia. Why do I have to pay 1.5% for annual fee, 6.5% for initial charge and perhaps x% for selling charge? I dont need to do that by investing in Bursa Malaysia. |
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Originally posted by pearl_eye at 20-9-2005 10:43 AM
I am using LRT (star n putra) everyday. cost me rm 90 (monthly travel card) and <rm20 (touch n go) every month. if i have a car, i will still use lrt to work, because my house is too far away from my office. ampang to kelana jaya everyday passing by federal highway is not really my thing. one time my bf came n fetch me from work (5.30), we reached my house almost 7pm. sama je dgn naik lrt, even sometime i can reached home 6.45 by lrt. plus i can sleep or read during the ride. benda yg dah lama saya tak dpt buat dgn aman ialah membaca. untill now (after 2 n half months working) i've finish 3 books n now reading the 4th. LRT does make my life easier..donno about you. but later i will surely buy myself a car la. maybe kelisa is enough :D
Perfect answer! I love reading too. Honestly, I think you should buy a house first before buying a car. Moving around in KL is really easy with a lot of tranportation choices. And even if you sum all the cost that you have to incur by taking public transports, it will be a lot less than having to maintain a Kancil monthly. To me it's just smart to do that.
unit trust ni pulak, is it not that i dont want to involve in or have -ve perceptions influenced by people around me..it just i myself not yet prepare for it. i need to learn 1st before i commit into something rite? i know about public mutual and few others UT, even my officemate talk to me about her UT. she said the market is low now therefore her broker advice her to buy more UT to take advantage of the situation. for me i have to take things slowly..takmo la nanti jadi hangat2 tahi ayam or yg di kejar tak dpt yg di kendong berciciran.
With due respect to all insurance / unit trust agents out there. Dont sell your products to fresh graduates without giving enough information and education to them. Sad but true this is normally the case. All they are interested in is to close more sales. I respect any agents who put their clients interest first before theirs. |
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Originally posted by shahgti at 20-9-2005 10:00 PM
seperkara lagi, kita perlu tulis goals kita atas kertas & pelekat kertas tu ditempat yg kita senang nampak. kalau rasa malu, biasa ler orang melayu ni pemalu... boleh lekat sebelah dlm pintu almari baju, so tiap kali kita bukak almari tu kita boleh nampak jelas setakat mana our progress. spt yg selalu disebut oleh bijak pandai "people don't PLAN TO FAIL, they just fail to PLAN".
contoh PLAN atau GOAL bertulis:
1. to buy my first property 10-20% below market within 2 years, with ZERO Down Payment & POSITIVE Cashflow.
2. to have rm15k saving in ASB within 5 years.
3. etc...etc...
You rock dude!
A case study research (Gordon 1998) on business C-level executives reveals that 98% see their position as the result of plans and strategy...Goal planning lah juga..... |
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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 ...
Betul tu, market ni cyclical. Pada pendapat I, takde guna invest money for a long term in stock market sekarang sebab ekonomi tgh baik. For me the best time to invest for a long term is after economic recession and the economy is ready for rebound. Classic example masa tahun 1997/98 dulu. |
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Originally posted by ahmad_albab at 21-9-2005 01:11 PM
Nak dptkan knowledge ni akan amik masa, utk sementara tu, kita boleh invest kat vehicle yg simple.... cth ASB and bank rakyat......
My thought exactly, ASB & Bank Rakyat are the best place to invest your money until you develop your knowledge on financial. |
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Originally posted by sany48 at 21-9-2005 04:54 PM
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.
Hi En Sany,
While we are at it. Can you publish the list of all >26 unit trust funds in SBB together with their 3-years and 5-years return, and total costs incurred (e.g. annual fee and initial charge) during this periods for an initial investment of, let say, RM1,000? |
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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 ...
Ah, this is one of the areas that financial books overlook and fail to hightlight. Earlier I gave an example of my handphone and now you have come out with another example. |
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Originally posted by quedac1 at 23-9-2005 02:49 AM
Dan untuk terus bermotivasi, selalulah memandang kehidupan mereka yang telah berjaya.
Oh man that is so right. Back to my case study research on business C-level executives above (Gordon 1998). More than half credit their use of a successful person as an example to help define that plan. In my case, I use Azizi Ali as my role model |
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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..
To me, capital not protected is not a problem actually. Kalau nak higher return, kenalah take higher risk. Yg problem tu sebab apa I kena bayar mahal2 utk annual fees and initial charge. Tak masuk akal..... |
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Originally posted by sany48 at 23-9-2005 02:45 PM
Actually in sales, the more people you gonna meet. the more sales you gonna get... If you don't feel like wanna do it. it is ok with me.. at least boleh makan FREE. selepas I promote unit trust to you... hahahaha
I am more interested in sales than unit trusts! It's amazing that you could use certain techniques to influence your potential customers into becoming one. After reading Brian Tracy's books, I am more aware with many techniques that salespeople use, and I can roughly tell whether the person is really newbie or not:cak: |
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Originally posted by MACD at 24-9-2005 11:04 AM
Memang tak salah kalau u ada business sendiri.
Tapi utk orang yang baru start kerja & makan gaji, angan2 pakai kereta besarlah salah satu angan2 yang paling destructive to your financial h ...
Hi,
Yalah..kalau baru start kerja. memang la tak mampu..tapi tak salah angan2 kan.....we cannot stop people from thinking of that.. if you have time may be you wanna drop by any book store.. just flip over a book entitle THE MAGIC OF THINK BIG by David J. Schwartz (I have no commisson at all.. as long you get something good.. I am more than happy..)
I am pretty sure you will enjoy it..the book will not ask you to invest.. but it will motivate you to work harder.. and smarter...until you become top people..everything that you feel like wanna be...
Regards,
Sany |
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Originally posted by MACD at 24-9-2005 11:31 AM
En Sany, she has only started working and there is a lot of things for people like her to explore. It is perfectly OK for her to be sceptical about something new like unit trust. When I said new, ...
Kalaulah non-bumi boleh invest dlm ASB, gerenti depa akan penuhkan ASB dulu.... So far, I tgk UT ni bagus utk invest duit epf kita tu..... |
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Originally posted by MACD at 24-9-2005 12:02 PM
Hi En Sany,
While we are at it. Can you publish the list of all >26 unit trust funds in SBB together with their 3-years and 5-years return, and total costs incurred (e.g. annual fee and ini ...
Assalamualaikum,
Are you kiddin me? Whattttttttt.. Wah Wah... easy to ask huh!. Well.. I have it right on the finger tips.. but I am not gona do that now.. if you are really interested..
a. You may log on to www.sbbmutual2u.com ..
b. Ask you friends..someone you know ..who becomes SBB unit trust financial consultant
c. Get yourself a SBB Master prospectus (Valid until Jan 2005) - Appoved by Security Commision
The reason I can't publish it here.. we are oblighed by Security commission.. we cannot simply publish.well..I am not sure..anddddddddd I do not want to get in trouble.. I have a few mouths at home to feed.. everyday... being a unit trust agent is part of my income..I am still attached to fulltime job at one company tough....hahahaha
I will only show to you..once we meet face to face.. that one is permissable...call me at 0192709160..is you wish.. we can set an appointment at your convenience..
Regards
Sany |
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MACD wrote:
With due respect to all insurance / unit trust agents out there. Dont sell your products to fresh graduates without giving enough information and education to them. Sad but true this is normally the case. All they are interested in is to close more sales. I respect any agents who put their clients interest first before theirs
Assalamualaikum/Hi,
Who are you to say so...just because some agents do somethind bad.... you can't apply to all of us too..that is not fair.
There are good reasons why we like fresh graduates to invest for both the clients and agents perspective:
a. They have less commitment as compared to 10 year work experience like I do..so they can easily invest as low as
RM50.00 a month by using SI/Autodebit
b. They are well educated.. easy to explain..and open minded as well., as compared for those who have
been investing in ASB for almost 10 years...these people sometimes are like an glass with full of water. no matter
how much you pour.. it will never take it..so STATIC..
c. These people can start to manage their financial in advance... to develop saving habit.. good for their own futur..
There are lot of case in Malays community..to loan from any bank for marriage..Why do I say that?
It is good to get marriage.. but applying a loan is no good.. marriage is oblighed by Islam..for everyone when is the
right time but getting a loan in not practical... can u just imagine... you apply a loan from conventional Bank for
RM10000.00 and you have to pay it back for 7 years..
The money you get..you will use to give to the bride..plus to have buy things for the kenduri.. Do you think that is
money is "berkat" that is why some of the marriage nowadays have so many problems...
Plus, you have to pay it back later... I think by the time you get you 3rd child, you will still owe to the bank..
So, for all fresh graduates..please plan yourself... now. you won't regret it.. if you are planning to get married in
3-5 years.. perfect! all unit trust also is a medium to long time investment. 3-5 years... in 5 years from now, you can
take out the money. and get married!
InsyaAllah
See.. that is why.. fresh graduate need to invest now...please look for a good agent in a good unit trust to manage
you money..see your nearest clients ASAP!
Regards,
Sany
p/s I was lucky..my marriage was sponsored by my parents.. farmers.. so ade la berkat duit tu..hahaahh |
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Originally posted by Andak at 23-9-2005 03:23 PM
sany,
no need to prepare anything... u can talk to me about anything, and also no need to promote about unit trust, nanti agent i marah lak kang... rasanyer cukuplah 4 orang agent unit trust sed ...
Andak,
Cool! When can I come and meet you? I am not promoting unit trust to you.. every unit trust agent has his/her own way of DESCRIBING what is unit trust.. I do have my own way...if you do not plan to invest with me...JUST DO not IT!..it is not complusory....
MY goodness.. what makes so popular.. with 4 agents..are you having 4 wives too? Or plan it later? You must have got so much money in banks..maybe your nasik ayam makes you a fortune..then... why not invest some thru mee.. for CASH investment, you can have more than four agents too.. except for investment thru EPF scheme...need to have at least 6 months before can use another agents. (within same company).. for company A to B.. there is only 3 months..
The reason I am gonna go and meet you are not because of the unit trust ..of course if you invest..I can get some money...money..money..but money is not a GOD.. money can'y buy a long lasting friendship... I like to know lotsa new friends too.. expose to new things...which I think you have one..
And Andak. why are you so loyal about with the agent?
Like myself.once.. I was so loyal..to use a prepaid phone card for almost 6 years now...until recently.. I made up my mind.. my long term prepaid phone card charge me like RM0.60 per min for a long distance call.. whereas now .there is a another prepaid company only charge like RM0.15-0.18 permin at any time despite the distance... so I choose the latter one... now I can call anyone with no restiction.. Does anyone here like me to call. ..but it is strictly for unit trust hahahahah
Regards,
Sany |
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Originally posted by ahmad_albab at 24-9-2005 01:33 PM
Kalaulah non-bumi boleh invest dlm ASB, gerenti depa akan penuhkan ASB dulu.... So far, I tgk UT ni bagus utk invest duit epf kita tu.....
Assalamualaikum,
There are 6 ways to invest in unit trust.. EPF scheme is one of them....you may invest thru
i i. Single Sum Investment Plan/CASH (Individual/Corporate)
-Cheque to SBB Mutual Berhad (Not to Sany抯 Account/No Cash)
ii. Regular Monthly Investment Plan (Individual/Children/Corporate) - As low as RM50.00 (1st inv RM500.00)
iii. Auto-debit Saving Plan (BSN/SBB/MAYBANK/EON) See the detailed on schedule
iv. Loan Financing Plan (SBB/RHB) |
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Category: Belia & Informasi
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Post time 23-9-2005 02:45 PM
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