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USAHAWAN UNIT TRUST PUBLIC MUTUAL

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 Author| Post time 1-7-2010 11:09 PM | Show all posts


More volatility seen in M'sian and global markets in H2
By IZWAN IDRIS
[email protected]




PETALING JAYA: The FTSE Bursa Malaysia KL Composite Index (FBM KLCI) held its ground during the first half of the year, recovering quickly from a sell-off in May with a surge in June that kept the benchmark index afloat on a year-to-date basis.

Going forward, analysts said, the same issues that plagued global equities market for the past six months will continue to haunt investors’ sentiment for the rest of the year.

RHB Research Institute’s head Lim Chee Sing expected the second half year to be another “bumpy ride” for equity investors.


“The market will probably remain volatile, at least in the near term, largely because of Europe’s debt problems, policy risk in China and concerns about global growth,’’ Lim said when contacted yesterday.

He projected stock prices to retreat from current levels, but saw strong support for the benchmark at around 1,200 points.

“We are positive about the market in the longer term, as we feel that the economic fears may have been overplayed,’’ Lim said.

The company, he said, was keeping its year-end target for the FBM KLCI at 1,400 points.

Earlier this week, CIMB Research reiterated its year-end target for the FBM KLCI at 1,450 points based on its mid-cycle price-to-earnings ratio of about 15 times.

That is a reasonable price to pay for good stocks, but that will also put the Malaysian market as among the most expensive in a region crowded with companies with high growth potentials.

But some fund managers argued that the valuation is skewed towards the big capitalised (cap) stocks, and local stocks are actually cheaper if you go beyond the top 30 stocks that made up the FBM KLCI.

“The Malaysian market is actually a two-tier market,’’ said Jason Chong, the CEO of Manulife Asset Management (M) Sdn Bhd.

A glance through showed that while the FBM KLCI was valued at about 15 times its prospective earnings, the FBM Mid 70 index was traded at a much palatable level of about 12 times.

“There is still value in the mid-sized and smaller cap companies,’’ Chong said.

Bargains aplenty, but foreign money appeared to have given the Malaysian equity market a miss in the past six months in favour of other regional markets.

“Foreigners have been net seller in Malaysia every single month this year,’’ CIMB Research said, adding that June would probably see another round of outflow.

May net outflow figures of US$84mil was the highest this year, the company said on June 28, quoting statistics from Emerging Market Portfolio Fund Research.

In the market, the FBM KLCI hit 1,346.92 points on May 13 – its highest level since March 2008.

It was also on that day the country’s biggest listed company, Sime Darby, dropped a bombshell with a revelation that it had lost RM964mil on four projects due to cost overruns.

Since then, the FBM KLCI had recovered some lost ground, while shares in Sime Darby continued to languish.

Despite a 5-point slump yesterday to 1,314 points, the FBM KLCI was up 3% year-to-date.

If returns on stocks were measured in US dollar, the FBM KLCI gain stood at a hefty 9.4% boosted by the ringgit’s 6% appreciation against the greenback over the same period.

That made Malaysian stocks one of the better investment choices in the region, behind top performer Indonesia, followed by Thailand and the Philippines.

Elsewhere, it was a sea of red, with stocks in Shanghai being the worst performer in Asia, down 27% year-to-date.

In Australia, the key index dropped 11.7% over the same period, followed by Japan’s Nikkei 225 index with an 11% slump and Hong Kong’s Hang Seng Index falling 8%
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 Author| Post time 1-7-2010 11:16 PM | Show all posts
maaf sebab bertanya..masih relevan ke unit trust sekarang ni..sebab aku tengok dah tak meluas perbin ...
Kamen_rider Post at 24-6-2010 12:41



   
betul kata Adieputra..

and in business, tidak ada istilah relevent or not relevant..

tapi unit trust ni, sama jugak dengan business2 lain..
ada peniaga bermusim yag excited pada satu ketika saja, macam peniaga kuih raya, peniaga buah durian, dll
bila dah satu ketika, mereka stop...itu benda biasa..

and sama jugak peniaga2 lain, online ke, conventianal ke...
mereka mahu mencuba..
bila mental tak kuat, ada cabaran je, terus mereka tenggelam...
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Post time 3-7-2010 02:25 AM | Show all posts
Post Last Edit by amirul_nazri at 3-7-2010 11:48



RobinHo-->"Lying Bitch....!!!! mana ko blajar main terbang2 nih...?"

Robben---> Alaaaaa..... "Masa kita sama2 kat Real Madrass dulu... mcm ko tak biasa..."


selingan piala dunia...
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Post time 6-7-2010 12:00 AM | Show all posts
salam,

Sy nk tkar UTC la, sy x ngam sgt gan UTC lme sy. Lau bleh sy nk UTC yg leh terangkan kt sy from zero n inform update2 yg pnting kt sy. Dh stahun sy invest UT tp smpai skrg x pham ag..hehe..invest pon ciput jer(student ag). Agak2 lme ker proses tukar UTC ek? Procedure die cm ner? Harga fund gah merudum ni, ingat nk topup ckit jumlah investment tu.hehe
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 Author| Post time 9-7-2010 09:42 PM | Show all posts
salam,

Sy nk tkar UTC la, sy x ngam sgt gan UTC lme sy. Lau bleh sy nk UTC yg leh terangkan kt sy ...
vaderboy Post at 6-7-2010 00:00


tak payah tukar lah, as long dia pick up phone time awak call dia,,,,dia entertain awak lagi,,cuba discuss dengan dia dulu..
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Post time 12-7-2010 01:20 PM | Show all posts
salam otai2....nak tnye tuk EPF skrg ni nak invest kat fund mane the best? sblm ni duk ambik PIEF jek....
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Post time 13-7-2010 08:40 AM | Show all posts
Nak tanya pd yg dah berkecimpung dgn unit trust ni. Baru2 ni saya dapat voucher untuk UT aku. Aku nak tanya la mcm mana nak minta Public Mutual buatkan cek dan bayar kita dgn dividen pelaburan aku tu? In other word, selalu aku biarkan dia org reinvest aja dividen tu, tapi kali ni aku nak mereka bayar kat aku.
Thank you
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Post time 21-7-2010 10:52 PM | Show all posts
BEING A MOTHER


After 21 years of marriage, my wife wanted me to take another woman out to dinner and a movie. She said, 'I love you, but I know this other woman loves you and would love to spend some time with you.'

The other woman that my wife wanted me to visit was my Mother, who has been a widow for 19 years, but the demands of my work and my three children had made it possible to visit her only occasionally.

That night I called to invite her to go out for dinner and a movie. 'What's wrong, are you well?' she asked. My mother is the type of woman who suspects that a late night call or a surprise invitation is a sign of bad news.

'I thought that it would be pleasant to spend some time with you,' I responded 'just the two of us.' She thought about it for a moment, and then said, 'I would like that very much.'

That Friday after work, as I drove over to pick her up I was a bit nervous. When I arrived at her house, I noticed that she, too, seemed to be nervous about our date. She waited at the door with her coat on.. She had curled her hair and was wearing the dress that she had worn to celebrate her last wedding anniversary. She smiled from a face that was as radiant as an angel's. 'I told my friends that I was going to go out with my son, and they were impressed,' she said, as she got into the car. 'They can't wait to hear about our meeting.'

We went to a restaurant that, although not elegant, was very nice and cozy. My mother took my arm as if she were the First Lady.

After we sat down, I had to read the menu. Her eyes could only read large print. Half-way through the entrees, I lifted my eyes and saw Mother sitting there staring at me. A nostalgic smile was on her lips.

'It was I who used to have to read the menu when you were small,' she said. 'Then it's time that you relax and let me return the favor,' I responded. During the dinner , we had an agreeable conversation nothing extraordinary but catching up on recent events of each other's life. We talked so much that we missed the movie. As we arrived at her house later, she said, 'I'll go out with you again, but only if you let me invite you.' I agreed.

'How was your dinner date?' asked my wife when I got home. 'Very nice, much more so than I could have imagined,' I answered.

A few days later, my mother died of a massive heart attack. It happened so suddenly that I didn't have a chance to do anything for her. Sometime later, I received an envelope with a copy of a restaurant receipt from the same place Mother and I had dined. An attached note said: 'I paid this bill in advance. I wasn't sure that I could be there; but, nevertheless, I paid for two plates - one for you and the other for your wife. You will never know what that night meant for me.'

'I love you, son'

At that moment, I understood the importance of saying in time: 'I love YOU' and to give our loved ones the time that they deserve.

Nothing in life is more important than your family. Give them the time they deserve, because these things cannot be put off till some 'other' time.

Somebody said it takes about six weeks to get back to normal after you've had a baby... somebody doesn't know that once you're a mother, 'normal' is history.

Somebody said you can't love the second child as much as you love the first... somebody doesn't have two or more children.

Somebody said the hardest part of being a mother is labour and delivery.... ...somebody never watched her 'baby' get on the bus for the first day of kindergarten. .. or on a plane headed for military 'boot camp.'

Somebody said a Mother can stop worrying after her child gets married...somebody doesn't know that marriage adds a new son or daughter-in- law to a mother's heartstrings.

Somebody said a mother's job is done when her last child leaves home...somebody never had grandchildren.

Somebody said your mother knows you love her, so you don't need to tell her... somebody isn't a mother.

Pass this along to all the GREAT 'mothers' in your life and to everyone who ever had a mother.

This isn't just about being a mother; it's about appreciating the people in your lives while you have them... no matter who that person is!

Watch your thoughts, they become words.
Watch your words, they become actions.
Watch your actions, they become habits.
Watch your habits, they become character.
Watch your character, for it becomes...your destiny.

'Be kinder than necessary, for everyone you meet is fighting some kind of battle'.

' HAPPY MOTHER'S DAY!!!! '
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Post time 22-7-2010 03:40 PM | Show all posts
abe lat..mana slide ari tuuu..plzzzz
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Post time 22-7-2010 10:43 PM | Show all posts
abe lat..mana slide ari tuuu..plzzzz
mahar88 Post at 22-7-2010 15:40



    laaaa...
mlm kemarin dah e-mail pada semua org..
saya dah reply all pada e-mail yg boss bagi tu..
awat hang tetinggai ketapii... he he..
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Post time 27-7-2010 12:56 PM | Show all posts
laaaa...
mlm kemarin dah e-mail pada semua org..
saya dah reply all pada e-mail yg boss  ...
cmf_LAT Post at 22-7-2010 22:43



    lho..tak dak pong..anto lagi sekalik...tulunnnn
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 Author| Post time 2-8-2010 11:57 AM | Show all posts
Nak tanya pd yg dah berkecimpung dgn unit trust ni. Baru2 ni saya dapat voucher untuk UT aku. Aku na ...
SANKURIANG Post at 13-7-2010 08:40


kena isi form...untuk buat amendment...nak senang, call yr consultant, dia boleh uruskan.
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Post time 3-8-2010 11:36 AM | Show all posts
"Teamwork is the ability to work together toward a common vision. The ability to direct individual accomplishments toward organizational objectives. It is the fuel that allows common people to attain uncommon results."
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Post time 3-8-2010 11:37 AM | Show all posts
Post Last Edit by cmf_LAT at 3-8-2010 11:47

satu sbb kenapa aku mesti kerja kuat kuat sekrgg...


'Pendapatan orang kaya dan miskin terus melebar'
Ogos 2, 10 3:03pm       
Kongsi

148
Perbezaan antara apa yang diperolehi oleh golongan kaya dan yang miskin (jurang perbezaan pendapatan) terus melebar dan memerlukan perhatian segera daripada kerajaan, kata Persatuan Penggun Pulau Pinang.


Presidennya, SM Mohamed Idris berkata, dalam masyarakat yang adil dan saksama, pertumbuhan ekonomi seharusnya memberikan manfaat kepada semua.

"Malangnya ini tidak berlaku di Malaysia walaupun sudah bertahun-tahun mengalami pertumbuhan ekonomi.

"Kini kita mempunyai kekayaan aristokrat di mana sekumpulan kecil rakyat Malaysia terlampau kaya (22 bilionair) manakala yang lain masih ramai lagi sekadar cukup makan.

"Malah lebih malang masih lagi ada yang hidup dalam keadaan 'kais pagi makan pagi, kais petang makan petang'.

"Di satu pihak kita mempunyai orang yang tinggal di rumah yang mempunyai ruang yang begitu luas dengan nilai berjuta ringgit.

"Mmanakala di satu pihak lagi tinggal bersama dalam keadaan sesak dengan bilangan sehingga 21 orang di flat kos rendah yang sempit," kata Mohamed.

Menurutnya, statistik membuktikan bahawa jurang yang tidak seimbang kini menjadi masalah utama:

40 peratus isirumah di bahagian bawah mempunyai purata pendapatan RM1,222 manakala 20 peratus sirumah di bahagian atas memperolehi pendapatan purata RM8,157.
58 peratus isirumah memperolehi pendapatan kurang daripada RM3,000 sebulan. (Pada 2009, kerajaan memutuskan bahawa mana-mana isirumah bandar dengan kurang daripada RM3,000 akan dianggap sebagai miskin.).
Pertumbuhan pendapatan menjadi kuat hanya untuk mereka yang memperolehi pendapatan yang berada 20 peratus di bahagian atas terutama sekali sejak 1990.
Perbezaan dalam kalangan kumpulan bandar kekal tinggi dengan tiada perubahan dalam dekad yang lalu.
"Pada 2007, Pekali Gini Malaysia adalah 0.441 pada 2007 ia itu satu perubahan daripada 0.462 pada 2004. Bagaimanapun pada 1990, Pekali Gini adalah 0.442, yang bermakna bahawa tidak banyak kemajuan dalam menangani masalah ketidakseimbangan pendapatan.

(Pekali Gini adalah ukuran ketidakseimbangan daripada 0 kepada 1, dengan 0 mewakili persamaan mutlak dan 1 mewakili ketidakseimbangan mutlak).


"Lebih banyak yang perlu dilakukan untuk membolehkan penduduk miskin bandar dan luar bandar bagi mengeluarkan mereka daripada lingkaran ganas kemiskinan," tambahnya.

"Berada dalam kemiskinan menyebabkan mereka berdepan dengan pelbagai masalah yang berkaitan seperti pemakanan, kesihatan dan pendidikan.

"Sebahagian besar daripada kanak-kanak Malaysia masih lagi mengalami masalah kekurangan zat makanan dengan kira-kira 15 peratus didapati mempunyai kurang berat badan dan terencat pembesarannya.

"Apabila kanak-kanak ini membesar dengan tanpa kelayakan akademik yang baik, mereka berakhir dengan pekerjaan yang berpendapatan rendah.

Mer

eka terus miskin seperti ibu bapa dan begitulah seterusnya anak-anak dan cucu mereka melainkan lingkaran kemiskinan ini diatasi," tambahnya.

Mohamed berkata, ia bukan hanya persoalan ekuiti bahawa semua rakyat Malaysia perlu mendapat bahagian yang sama daripada pertumbuhan ekonomi negara.

"Jika masalah jurang perbezaan ekonomi ini tidak ditangani dengan serius, ia akan membawa kepada masalah sosial, contohnya peningkatan dalam kadar jenayah. Masyarakat yang adil dan saksama akan berkembang dengan lebih pantas berbanding dengan yang kurang adil.

"Jurang perbezaan pendapatan yang tidak diselesaikan jelas menunjukkan bahawa kita mempunyai masalah struktur.


'Kita perlu berhenti daripada meneruskan model pembangunan ekonomi yang diimport dari Barat tetapi sebagai ganti menggunakan model yang memenuhi keperluan kita sendiri dan memberikan manfaat kepada semua sektor penduduk.

"Oleh itu kerajaan perlu membelanjakan lebih banyak wang untuk pendidikan dan program penjagaan kesihatan terutama sekali khusus untuk membantu golongan miskin.

"Ia juga perlu mengurangkan jurang perbezaan antara pelaburan bandar dan luar bandar dengan memastikan peluang pekerjaan boleh diperolehi dengan banyak di kawasan luar bandar," tegasnya.

Menurutnya, lebih banyak dana diperlukan untuk menjalankan program bagi merapatkan jurang ketidakseimbangan pendapatan yang seharusnya datang daripada golongan kaya, yang mempunyai kawajipan moral untuk membantu sesama insan yang tidak bernasib baik.

"Kami menyarankan cukai berikut digunakan untuk merapatkan jurang ketidakseimbangan pendapatan:

a) Cukai Pewarisan/duti harta: Memperkenalkan sama ada cukai pewarisan (yang akan dibayar oleh orang yang mendapat faedah) atau duti harta

(yang dibayar oleh harta si mati). Banyak negara (contohnya Amerika Syarikat, United Kingdom, Perancis, Jerman, Belanda dan Kanada) telah melaksanakan cukai pewarisan atau duti harta. Malaysia juga mempunyai duti harta sehinggalah ia dimansuhkan pada 1991.

Cadangan cukai pewarisan/duti harta ini perlu mempunyai nilai permulaan yang rendah dan struktur progresif. Cukai ini akan dapat membantu negara menuju ke arah masyarakat yang lebih adil.

b) Cukai Peribadi: Kerajaan perlu menghentikan pengurangan kadar cukai pendapatan persendirian untuk mereka yang berpendapatan tinggi. Sebagai ganti ia seharusnya meningkatkan kadar untuk mengutip lebih banyak dana untuk pembahagian pendapatan.
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Post time 5-8-2010 11:33 PM | Show all posts
Reply 554# cmf_LAT

dah sent ..

sowie abg lat....
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Post time 6-8-2010 08:35 PM | Show all posts
UNIVEST Group, a Kuwait based company, was launched in 2001 to provide unique investment opportunities in international markets.

By leveraging the company's global and regional alliances, UNIVEST Group has sourced and structured various exclusive investments, providing its clients with global access to Direct Investments, Asset Management products, Research, and Corporate Finance advisory services.

Univest Group is a multi-disciplined financial consulting firm with leading practices in Private Equity, Corporate Finance, Research and Asset Management.

Univest has completed more half a Billion dollars of transactions since its inception, invested in 9 industries, in over 4 geographical regions.
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Post time 6-8-2010 08:43 PM | Show all posts
Univest Group Headquarters Address
Salhiya Comlex Gate 8, Floor 5
Kuwait City, Kuwait 13016
Kuwait
Phone: +965 2245-8383
Fax: +965 2245-8363
Industry        Financial Services
Type        Privately Held
Company Size         20 employees
Website        http://www.univestgroup.c...
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Post time 7-8-2010 12:48 PM | Show all posts
UNIVEST Group, a Kuwait based company, was launched in 2001 to provide unique investment opportuniti ...
Arthur Post at 6-8-2010 20:35


lorrrrrrrrrrrrrr...kirawang sumer dr kuwait ker? ...ntah2 tokey minyak nie..patut la hari2 kira wang..
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 Author| Post time 10-8-2010 04:24 PM | Show all posts
satu sbb kenapa aku mesti kerja kuat kuat sekrgg...


'Pendapatan orang kaya dan miskin terus mel ...
cmf_LAT Post at 3-8-2010 11:37



    sekarang..bukan dah lama ke.....?

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 Author| Post time 10-8-2010 04:25 PM | Show all posts
UNIVEST Group, a Kuwait based company, was launched in 2001 to provide unique investment opportuniti ...
Arthur Post at 6-8-2010 20:35



   
kebetulan je tu...kami ada my..

www.univestgroup.com.my
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