perlu ke masuk macam2 insuran @ takaful

Dynz

Reply 59# lostnfaun

i tak tahu govt loan, maybe ada org lain yg tahu

lostnfaun

Reply  lostnfaun

i tak tahu govt loan, maybe ada org lain yg tahu
Dynz Post at 18-8-2010 13:21

my mum nk refinance rmh die tp xpt byk sgt sbb service dh x lama, rsnya MRTA tue based pd loan yg kite bt ek?

Dynz

Reply 62# lostnfaun

i tak tahu knpe tak boleh buat re-finance, klu financial tak der problem, shuold be no problem, maybe loan tak boleh lama sgt sbb faktor umur juga di ambil kira.  yes, MRTA base on harge rumah yg u beli n dia punya coverage semakin berkurang bergantung kpd berapa lagi o/standing loan (term loan)

jenglut

ada ke sume tue dlm 1 pakej insurans? yg skang nie cuma combine medical card dgn life insurans ....... sy 1 insurans pn xde lg,,klu tgk bajet mcm xckup jer utk byr insurans nie...
lostnfaun Post at 18-8-2010 13:07

salam,

let say gaji RM5,000 tp expenses & liabilities pun RM5,000.. means tiada surplus utk saving..

my personal advice..
pospon saja niat utk amik insuran..bina surplus, manage financial dulu..
jd ejen insuran part-time ke..pastu dah kaya, bole beli beribu2 premium..

lostnfaun

salam,

let say gaji RM5,000 tp expenses & liabilities pun RM5,000.. means tiada surplus utk s ...
jenglut Post at 18-8-2010 13:59

btl tue sy mmang pkir camtu pn...sy masih dok berkira2 dgn offer awk yg dlu...hehe...

jenglut

betul ke premium for term lagi tinggi??..
company mana tu.. cuba bgtau kat sini....

RM 16 ...
aarie Post at 18-8-2010 12:17

salam,

premium utk term insurance memang lebih mahal drp ILP
sbb dlm term Insuran, risk bear by co.
while ILP, risk bear by policy holder..

Dynz

Reply 66# jenglut

ada jugak org support, letih peluru dari banyak sudut....ni TT pun dah tak tahu kemana dah

jenglut

Reply  jenglut

ada jugak org support, letih peluru dari banyak sudut....ni TT pun dah tak tahu k ...
Dynz Post at 18-8-2010 14:11

    bukan aku support hang..tp memang fact..

Dynz

maafkan saya menyampuk...detail figures yg kat atas tue hanya show simple estimated return..u ke ...
amirul_nazri Post at 17-8-2010 16:12

En amirul, this is the latest statement yg i baru dpt, just updated.

Public Islamic Sector Select Fund (PISS)

beli 17/6/2009 harga seunit 0.21010
my money keluar RM 3,620.00 the  tolak kos RM 105.44
Invest RM 3,514.56 = 16,728.05/unit

dividen/bonus 1/12/2009 harga seunit 0.22510
RM 74.63    = 331.54/unit

so : total unit setakat 23/2/2010 is 17,059.59  dgn harga seunit is 0.2387
so : total unit setakat 17/8/2010 is 17,059.59 dgn harga seunit is 0.2797

so : kalau i jual masa tu i akan dpt RM 4, 072.12 (dari 17/6/09 to 23/2/10), just 8 months kan?
so : kalau i jual masa tu i akan dpt RM 4, 771.57 (dari 17/6/09 to 17/8/10), just 1 year

so : dah nampak untung RM 452.12 (12.49%) for 8 months n selepas tolak kos
so : dah nampak untung RM 1,151.57 (31.81%) for 1 yrs.

u blh tengok how is UT grow up, i tak pandai sangat nak bagi fakta, but this this what i get from UT.

jenglut

kalau ada sesapa masih simpan track rekod simpan asb regularly bulan2..mungkin bole tepek di sini..3 thn rekod pun ok...

then bole tgk plak rekod simpan U.T utk 3 thn lepas..

kita study dr situ..

aarie

Islamic Select Treasures Fund - 31 July 07 to 23 Feb 10      -11% (fund yg agak slow),
Islamic Divided Fund          - 18 Feb 08 to 23 Feb 10      +13.12%
Islamic Sector Select Fund    - 17 Jun 09 to 23 Feb 10      +12.49%
Islamic Equity Fund           - 29 Oct 09 to 23 Feb 10      -1.19%
Ittikal Fund                    31 May 06 to 23 Feb 10      +26.41%


Ittikal return +26.41%, 1thn average +13.21% (capital 1000 return 1264.14)
PIE    return  -1.19% , 1 thn average -1.19% (capital 3372 return 3331.9)
PISS return +12.49%, 1 thn average +12.49 (capital 3620 return 4072.12)
PID   return +13.12%, 1 thn average +6.56 (capital 16857 return 19068.76)
PIST  return -11%,      1 thn average -5.5 (capital 1877 return 1670.53)


ok, klu En amirul/En aari rasa nak buat pembetulan sila tunjukan.

peace no war
Dynz Post at 18-8-2010 11:59

nak mintak saya buat pembetulan... boleh...

1) for ittikal...26.41/45 months... camaner bleh dapat 1 thn average 13.21% tu...
    kalau normalised to yearly average baru 7% jer..
    kenapa bagi dengan 2 tahun jer?...

2) kalau kira total investment against total return pun dari 31 may 06 sampai 23 feb 10..
    RM 2,681.45/RM 26,726 = 10.03 % total return..

3) 10% over dekat 4 years... tak sampai 3% per year..

4) but to be fair.... ada yang masuk lama, ada yg baru masuk...
   so kita normalisedkan to monthly average and extrapolate to yearly amount..
   normalised average return for all yr fund baru 4.9% per yr.. baru nampak laa tinggi sikit

5) even kalau ittikal average tu at 13.21% pun
    yr average overall fund return baru 6.1% per year jer....

ni perkiraan biasa laa... kita tak kira compounding factor lagi
kalau nak compare dgn ASB.. include laa compounding effect tu
baru laa nampak perbezaan nya.......

aarie

salam,
premium utk term insurance memang lebih mahal drp ILP
sbb dlm term Insuran, risk bear by co.
while ILP, risk bear by policy holder..
jenglut Post at 18-8-2010 14:03

salam,

as a guide to everyone from vital-money.com ( geng tu jugak... )... :

" Types Of Life Insurance

Insurance terms and definitions usually confuse people. It is because of the jargons that are used in the insurance industry that usually people are not sure of. We list it here for your easy reference.

Term life insurance – provide cover for a specific time frame i.e. the term. Generally term insurance provides cover for a limited time and usually have minimal or no cash values. It can be considered the purest form of insurance, and because they have no cash values, they tend to be the cheapest. Terms can be 5, 10, 15 all the way to 30 years or more. Premiums are to be paid over the duration of the term.

Whole life insurance - provide cover for whole life. As you can see, it is suppose to cover a person’s for life. Life insurance company like to confuse people further as some whole life insurance covers to age 100, some to 87 and some to age 80. So there is no fixed length of time. The difference is that whole life insurance have cash values. This means, if you surrender your policy, you can get back some cash. Premiums are to be paid for the whole life.

Endowment insurance – these have features from term life insurance and whole life insurance. They are usually for a specific time frame (10, 15, 20, 30 or more years) and have cash values. The cash values tend to be higher than that of whole life insurance. Premiums for endowment policy are usually higher than whole life insurance because they give you more returns. Premiums are to be paid over the duration of the term.

Investment-linked insurance – is an insurance policy that combines investment and protection. Your premiums provide a life insurance cover, and part of the premiums is invested in investment funds of your choice. Investment-linked insurance tend to be more flexible compared to other types of life insurance. You can increase or decrease the amount of cover and the premium. Instead of cash values, investment linked policies have units

Investment-linked insurance can be regular premium or single premium. Single premium investment-linked insurance are usually for investments. While regular premium plans are more to provide protection.

As you can see whole life, endowment and investment-link policies all provide cash returns. In whole life and endowment insurance, a portion of the cash value is guaranteed by the insurance company, while the whole amount of money in an investment linked is non guaranteed.

Universal life insurance – this type of policy is the most recent in Malaysia. It have the features of being flexible like the investment-linked insurance where you can vary the type and amount of cover. And it has a guaranteed cash value like the whole life insurance."


mintak jenglut/Dynz boleh komen sket..
kita harap dapat info yg betul sebab vital-money nie pun promote prubsn jugak..
tapi kenapa info bercanggah....... tq

ibm632

Reply 72# aarie

Memang info yg Aarie post mempunyai definasi yg tepat

amirul_nazri

Amirul, bukan u salah sorg agent PM ke satu masa dulu? atau skrg masih agent atau saya salah org ...
mhh4554 Post at 18-8-2010 13:18

tuan tak salah org ..mmg saya agent UT dan masih agent UT..semakin lama saya berkecimpung  dlm bidang financial planning dan investment (insurans tak masuk) dan learning dan learning, lagi byk benda yg saya sedar..kalau dulu saya more on structured fund atau close ended, now saya lebih fokus kepada pasaran masa hadapan sbb 2-hala konsepnya dgnnya..yg penting saya yg control risk, saya yg set stop loss, trailing stop loss, saya yg plan the trade dan trade the plan --> bukan fund manager

secara asasnya, nak compare Unit trust vs ASB dah wrong dr segi fundamental..unit trust benchamarknya ialah FBMKLCI..so kalau nak buat perbedaan dr segi prestasi, it should versus bursa saham, bukan dgn ASB..ASB is totally different. It is capital protected dan income fund, tambahan unik sbb guaranteed... Modal dlm ASB juga takder risk berbanding unit trust fund tau..

Whilst

sementara PM funds yg agent UT duk buat perbandingan selalu pula dgn ASB pula adalah merupakan equity fund yg tujuannya utk mendapatkan pulangan dari capital appreciation dan dividen dari saham2 dalam portfolionya, dan NAVnya terdedah pada risiko pasaran.

jelas di sini..konsep perbandingan dah salah...

nie data yg saya kira sendiri hasil bantuan sorrg forummer di neighbourhood...stakat 2008 ajer sbb benda nie dah lama tak update..

ASB
•        2000: Dividend=9.75, Bonus=2.00*
•        2001: Dividend=7.00, Bonus=3.00*
•        2002: Dividend=7.00, Bonus=2.00**
•        2003: Dividend=7.25, Bonus=2.00**
•        2004: Dividend=7.25, Bonus=2.00**
•        2005: Dividend=7.25, Bonus=1.75**
•        2006: Dividend=7.30, Bonus=1.25**
•        2007: Dividend=8.00, Bonus=1.00**
•        2008: Dividend=7.00, Bonus=1.75**

Dividend ASB 2000-2008 = Total return 106.14% TIDAK TERMASUK BONUS.
DIULANG: BONUS BELUM DITAMBAH KE JUMLAH PULANGAN.

Ini berdasarkan sejumlah wang dimasukkan pada tahun 1999 dan tidak ada penambahan dana.Perbandingan pulangan perlu amik kire risk-return relationship...

btw, saya hanya menjawab soalan dr quote saudari..rasa2 nya nie dah lari topik...

amirul_nazri

nak mintak saya buat pembetulan... boleh...

1) for ittikal...26.41/45 months... camaner bleh  ...
aarie Post at 19-8-2010 01:34

kalau more than 1 year...kena deduct management fee dan trustee fee skali...kalau tak silap 1.5% dr total NAV..

Dynz

nak mintak saya buat pembetulan... boleh...

1) for ittikal...26.41/45 months... camaner bleh  ...
aarie Post at 19-8-2010 01:34

ok for ittikal ni actually i tak lump sum masuk 1K, i just start with RM 500 utk open account, every month just top RM50 (budget x cukup). since, 2006 may 2006 sampai june 2007 baru baru je ada RM900...then mar 2009 barulah cukup 1K

so, purata ambik 2 tahun saja bukan 4 tahun....boleh consider la plus minus.

sebenarnya i malas dah nak menaip ni, up to 17 aug 10 total i dah untung is RM 5,422.44/26,726 = 20.30% (ave. 5.07%/yr).  for me is quite ok, coz i memang tak jual sekarang, memang nak tunggu 20 tahun lagi....just pray grow up remain macam ni....coz this under risk. (org pakar ekonomi mesti boleh jawab 20 tahun lagi apa kan jadi).

for aari, i tak cakap ASB tak bagus, coz i pun ada account ngan ASB sebab safe kat sana, cuma rasa sedikit adventured kat UT, tu belum lagi nak minta otai amirul tunjuk ajar pasal stock, etc.....banyak benda lg nak kena belajar.  coz i bukan org ekon.

Dynz

tuan tak salah org ..mmg saya agent UT dan masih agent UT..semakin lama saya berkecimpung  dlm ...
amirul_nazri Post at 19-8-2010 09:45

betul memang susah nak buat perbezzan antara ASB dgn UT

Dari sudut yg senang ASB - Fixed Rate (dah boleh kira tiap2 tahun dpt berapa)
                                UT  - base on BLR (susah nak budget)

boleh ke?

jenglut

salam,

as a guide to everyone from vital-money.com ( geng tu jugak... )... :

" Types  ...
aarie Post at 19-8-2010 02:47

    salam,

ye u betul, apa yg di maksudkan murah pd term tu ialah premium nya..yg mana u can start low as RM10
manakala ILP biasa premium start from RM100

tp kalau kita based on coverage vs premium
ILP lebih cheaper..

regards


anyway, kesian kat mambang, thread ni dah melencong..hehheh

Dynz

ramai orang yg terkeliru dan kadang2 sengaja dikelirukan antara insurance dgn investment
especi ...
aarie Post at 17-8-2010 13:38

"sebab itu... sesiapa yg very sure dia takkan lapse in their payment
atau mereka2 yg jenis 'money is not a problem'..
can save a lot by just buying term insurance..."

Statement yg u bagi all about Insurans tu memang betul.

maybe maksud term insurans ada mis understand kat sini.  Kalau base on topic yg sini term yg u maksudkan adalah whole life insurans or endowment ins (what i understanding from topic). Macam yg i cakap u ambik Whole life for coverage 300K compared with Investment Link with same coverage memang premium lebih mahal.

but maksud term insurans yg sebenarnya katakan u beli rumah MRTA is salah satu term insurans, premiumnya memang rendah, normally lump sum bayar/masuk dlm loan.

Yes Investement Link Return is not Guaranteed, coz bila sebut pelaburan dah tentu ada turun dan naik, the investment accu. rate is 6.75% and 5.25%, but last year a get 8% from my insurans kompeni.

Dynz

kalau more than 1 year...kena deduct management fee dan trustee fee skali...kalau tak silap 1.5% ...
amirul_nazri Post at 19-8-2010 09:48

en mirul klau trustee fees 1.5% of NAV charges for 1yr berapa sangat effect pada duit saya ni, ada effect ke? agak2 en mirul la ada berapa ramail pelabur kita sekarang....dah kira dlm kos pun yg tolak awal2 tu.....