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Originally posted by ziela657 at 1-10-2007 08:18 AM 
lg satu ada masalah ni...sy ada 30k dlm tgn tp x tahu nak buat ape...dut ni sy dpt dr pengeluaran EPF...
adakah perlu sy masukkan kesemua nya kedlm ASB atau bayar hutang....sy ada buat personn ...
saya rasa baik simpan sebab loan tu kalau baru2 boleh la byk penuh bunga dia byk lagi tapi saya rasa kalau dah dua tahun silap2 bunga dah habis byr bank la yg untung. Kalau akak nak alternative lain selain ASB akak boleh invest dlm unit trust return dia lebih tinggi drp ASB |
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Originally posted by edypublicmutual at 1-10-2007 09:47 AM
saya rasa baik simpan sebab loan tu kalau baru2 boleh la byk penuh bunga dia byk lagi tapi saya rasa kalau dah dua tahun silap2 bunga dah habis byr bank la yg untung. Kalau akak nak alternati ...
bole terang sikit psl unit trust ni...x fahamlah... |
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Originally posted by ziela657 at 1-10-2007 01:41 PM 
bole terang sikit psl unit trust ni...x fahamlah...
Untuk pengetahuan akak, ianya adalah satu bentuk pelaburan / simpanan di mana keuntungannya dapat dinikmati untuk jangka masa serdahana atau panjang. Dia mcm ASB gak cuma ASB bagi dividend tapi unit trust kita bagi dividend(distribution) dan capital gain. Sebab tu kita boleh bagi return lebih tinggi drp ASB. Return dia dianggarkan antara 10% hingga 15% setahun.
Dari segi keselamatan kita di kawal oleh trustee dan pelaburan akak akan dijaga oleh fund manager yg mmg berpengalaman dlm bidang ini. Unit trust risikonya rendah dan akak boleh jual dan beli bila2 masa akak nak.
Kita cuma didedahkan oleh pelaburan saham seperti ASB, ASN, & sebagainya di mana unit trust juga adalah digalakan oleh kerajaan supaya kita menyimpan & melabur demi masa depan kita & anak2.
Public Mutual ada pelaburan yg lebih baik & islamic...di mana ianya dilaburkan di tempat2 yg diluluskan oleh syariah. Public Mutual telah melancarkan 9 dana syariah / Islamic yg InsyaAllah memberikan pulangan yg agak lumayan & consistent.
Kalau akak nak tahu lebih detail baik kita jumpa dan saya terangkan secara detail setiap fund yg kita ada. Saya cuma nak share je alternative lain yg akak ada utk invest lepas tu keputusan di tangan akak. Akak boleh PM saya atau call saya at 019 6066746 |
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wah wah wah edy....
cargas nampak...
hikhik  |
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actually kalau invest dalam unit trust, as long as ur time horizon is long term, and u can consistently top up utk dollar cost averaging, anytime u masuk pun tak kisah.
in fact time market naik, is not really a good time to go in..sbb market naik time ni tak dapat sustain lama.. this is my personal opinion la..
but as long as u bersedia utk medium to long term, join la unit trust
i believe unit trust is the best and safe vehicle for most lay person in malaysia.
for more aggressive, can go to other mode, eg stock and futures/ forex whatever la..
tapi unit trust pun, yg paling bagus ialah equity fund |
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equity fund ni camna boleh terangkan dr? |
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Originally posted by ziela657 at 1-10-2007 08:18 AM
lg satu ada masalah ni...sy ada 30k dlm tgn tp x tahu nak buat ape...dut ni sy dpt dr pengeluaran EPF...
adakah perlu sy masukkan kesemua nya kedlm ASB atau bayar hutang....sy ada buat personn ...
Kalo koko.., koko akan invest....
1) 15K kat ASB - ASB patut setiap bangsa Melayu ada simpanan kat situ coz walau
dlm keadaan apa sekalipun ekonomi negara PNB tetap akan bagi
dividen pd pelaburnya...tu pasal dia punya dividen cuma 8% saja.
Actually PNB bole bagi 10% & above drp semua pendapatan pelabur
tetapi direservekan separuh drp jumlah pendapatan utk pembayaran
dividen pd musim gawat....
Tak payah dok pertikai halal/haram ASB ni...negara kita negara Islam so bila pemerintah
declare halal...so i take it as halal....lain2 persoalan itu tanggungjawab ketua kerajaan yg akan
menjawabnya ESOK.......
-Cina dok tunggu jer bila masa PNB nak buat lagi minggu Saham Amanah
mcm awal tahun 2007 lepas...habis dlm masa 2 hari...
Kalo betulla tak untung + menjamin pendapatan masakan bangsa lain
berebut2 nak invest kat PNB bila ada peluang..?
2) 15K Kat Bank Pesatuan - Dividen dia 12.5% after zakat kurang sket jer drp Saham bank
rakyat....pembayaran dividen antara jun-ogos setiap thn
3) Kalo teringin sgt nak invest kat UT... put-in 2K - 5K kat situ...tapi harus ingat UT ni
ada service charge dia...dan utk medium - long term...tapi zakat wajib dikeluarkan setiap thn
atas nilai simpanan walapon kita nak simpan utk 5 thn (mean nk kumpul untung sampai
5 thn...tapi zakat jgn lupa nk bayar tiap thn..) dividen dia b4 zakat.. |
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Originally posted by koko2 at 2-10-2007 07:57 AM
Kalo koko.., koko akan invest....
1) 15K kat ASB - ASB patut setiap bangsa Melayu ada simpanan kat situ coz walau
dlm keadaan apa sekalipun ekonomi negara PNB te ...
terima kasih koko idea yg best...cuma nak tanya bank persatuan ni mcmana? sy x pernah tahu.....
utk unit trust tunggu dulu sbb sy x byk maklumat ttg ni so x berani nak invest...sy lebih percaya pd ASB..... |
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Reply #910 ziela657's post
Bank Persatuan ni asalnya drp Koperasi seberang Perai...dah dekat
20 tahun la lebih kurang operasi depa ni....
then....convert jadi Koperasi Bank Persatuan...branch dia mostly
kat area utara jer...bebaru ni aja nak lebarkan sayap kat area
Selangor....then coming soon will be Southern area end of this year
Operasi dia sama cam bank Rakyat yg asalnya Koperasi Rakyat...
Since dari thn 2000 Bank Persatuan ni dah bagi dividen 10% pada ahlinya..
Dan stat dari 2005 & 2006 bank ni dah up-grade dividen pada 12.5%
Semua dividen adalah selepas zakat...
Bank ni ada 10 Cawangan kat area utara..Perlis/Kedah/Prai/Ipoh
Cawangan terbaru kat belah selatan ni ialah di Shah Alam...
dan dgr cerita akan bukak satu kat putrajaya hujung thn/awal thn depan...
Tapi dia dah mula hadkan pelaburan max takat 15K/individu
Sebabnya dah terlampau ramai yg invest, B4 ni tiada had maksima...
So..sikit lagi akan jadi Freeze mcm bank rakyat jugak bila kouta dah penuh..
Ini antara portfolio pelaburan yg boleh di yakini krn Bank Persatuan ni beroperasi
mcm bank rakyat...ada produk sendiri spt loan rumah/kereta/personal/dll..
Kalo ko nak tau kat mana refer pada thread Pelaburan Koperasi More 10%...
Aku ada tulis info lokasi dia kat Shah Alam....
Ko dpt duit pengeluaran KWSP tarap pencen ye..?
Baru konpom keja dgn gomen ye....kayo mak... |
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En koko dah salah bg info. ASB tak penah declare dia halal. Sila rujuk master prospectus. Di sini saya sertakan fund yg di sahkan halal oleh Majlis Penasihat Shariah, Suruhanjaya Sekuriti:
List of Malaysian Islamic Funds
(as at 30 June 2006) | Equity Funds No | Fund Name | Management Company | Launch
Date | Approved Fund Size (million) | 1.
| Amanah Saham Kedah
| Amanah Saham Kedah Berhad
| 27/02/1995
| 200 | 2.
| Dana Bestari
| ASM MARA Unit Trust Management Berhad
| 3/10/2002
| 250 | 3.
| Dana Al-Aiman
| 19/5/1997
| 350 | 4.
| ASM Dana Mutiara (formerly known as Kumpulan Modal Bumiputera Yang Keempat )
| 5/8/2004
| 100 | 5.
| ASM Syariah Aggressive Fund (formerly known as Kumpulan Modal Bumiputera Yang Keenam)
| 31/10/2005
| 20 | 6.
| Amanah Saham Darul Iman
| PTB Unit Trust Berhad
| 31/10/1994
| 500 | 7.
| Amanah Saham Angkasa
| Pelaburan Johor Berhad
| 24/04/1998
| 300 | 8.
| SBB Mutual Dana Al-Azam
| SBB Mutual Berhad
| 30/04/2003
| 500 | 9.
| SBB Mutual Dana Al-Ihsan
| 07/05/1998
| 1200 | 10.
| SBB Mutual Dana Al-Hikmah
| 30/04/2003
| 500 | 11.
| SBB Mutual Dana Al-Ihsan2
| 30/04/2003
| 500 | 12.
| SBB Dana Al-Faiz
| 16/09/2004
| 1000 | 13.
| SBB Dana Al-Ikhlas
| 08/10/2004
| 700 | 14.
| AmIslamic Growth
| AmInvestment Services Berhad
| 10/09/2004
| 1000 | 15.
| AmIttikal Fund
| 12/01/1993
| 1000 | 16.
| AUTB Dana Bakti
| Asia Unit Trusts Berhad
| 14/05/1971
| 500 | 17.
| ASBI Dana Al Mubin (formerly known as Amanah Saham Bank Islam Tabung Pertama)
| BIMB Unit Trust Management Berhad
| 30/06/1994
| 302 | 18.
| ASBI Dana Al-Falah (formerly known as ASBI Dana Pendidikan)
| 27/12/2001
| 400 | 19.
| RHB Islamic Growth Fund
| RHB Unit Trust Management Berhad
| 26/01/2004
| 500 | 20.
| Dow Jones-RHB Islamic Malaysia Index Fund
| 11/05/2006
| 500 | 21.
| HLG Dana Makmur
| HLG Unit Trust Management Berhad
| 19/11/2001
| 500 | 22.
| Hwang-DBS Dana Izdihar
| Hwang-DBS Investment Management Berhad
| 08/10/2002
| 300 | 23.
| OneAnswer Investment Funds - ING Ekuiti Islam
| ING Funds Berhad
| 23/04/2004
| 300 | 24.
| Apex Dana Al-Sofi (formerly known as Apex Islamic Income Fund )
| Apex Investment Services Berhad
( formerly known as Apex Unit Trusts Berhad )
| 28/08/2003
| 300 |
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25.
| Public Ittikal Fund
| Public Mutual Berhad
| 10/04/1997
| 2000 | 26.
| Public Islamic Equity Fund
| 28/05/2003
| 6000 | 27.
| Public Islamic Opportunities Fund
| 28/06/2005
| 1000 | 28.
| PB Islamic Equity Fund
| 05/09/2005
| 2000 | 29.
| Public Islamic Dividend Fund
| 14/02/2006
| 2000 | 30.
| Kenanga Syariah Growth Fund (formerly known as KUT-Negara Equity Islamic Trust)
| Kenanga Unit Trust Management Berhad
| 29/01/2002
| 200 | 31.
| MAA Mutual Trust - MAA Mutual Al-Faid
| MAAKL Mutual Berhad (formerly known as MAA Mutual Berhad)
| 08/07/2003
| 200 | 32.
| MAA Mutual Syariah Index Fund
| 23/01/2002
| 300 | 33.
| MAAKL Al-Fauzan
| 06/09/2005
| 1000 | 34.
| Alliance Dana Adib
| Alliance Unit Trust Management Berhad
| 25/03/2004
| 400 | 35.
| Mayban Dana Yakin
| Mayban Unit Trust Berhad
| 24/11/2000
| 1200 | 36.
| Lifetime Dana Mubarak
| CIMB-Principal Asset Management Berhad
| 15/06/1995
| 300 | 37.
| Asia Pacific Adil Funds
| 02/06/2006
| 300 | 38.
| OSK-UOB Dana Islam
| OSK-UOB Unit Trust Management Berhad
| 26/10/2001
| 100 | 39.
| Avenue SyariahEXTRA Fund
| Avenue Unit Trust Management Berhad
| 12/03/1996
| 250 | 40.
| Amanah Saham Wanita
| 05/05/1998
| 450 | 41.
| Prudential Dana Al-Ilham
| Prudential Unit Trusts Berhad
| 14/08/2002
| 200 | 42.
| Prudential Dana Dinamik
| 25/02/2004
| 700 | 43.
| CMS Islamic Fund
| CMS Trust Management Berhad
| 15/08/2002
| 500 | 44.
| TA Islamic Fund
| TA Unit Trust Management Berhad
| 24/04/2001
| 600 |
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Balanced Fund No | Fund Name | Management Company | Launch
Date | Approved Fund Size (million) | 1.
| AmIslamic Balanced
| AmInvestment Services Berhad
| 10/09/2004
| 1000 | 2.
| ASBI Dana Al-Munsif (formerly known as ASBI Dana Persaraan)
| BIMB Unit Trust Management Berhad
| 27/12/2001
| 400 | 3.
| SBB Mutual Dana Al-Mizan
| SBB Mutual Berhad
| 08/03/2001
| 1000 | 4.
| SBB Dana I'tidal
| 23/08/2005
| 400 | 5.
| RHB Mudharabah Fund
| RHB Unit Trust Management Berhad
| 09/05/1996
| 750 | 6.
| HLG Dana Maa'rof
| HLG Unit Trust Management Berhad
| 25/03/2003
| 200 | 7.
| Hwang-DBS Dana Fahim
| Hwang-DBS Investment Management Berhad
| 28/06/2004
| 300 | 8.
| Apex Dana Al-Faiz (formerly known as Apex Islamic Balanced Fund )
| Apex Investment Services Berhad ( formerly known as Apex Unit Trusts Berhad )
| 28/08/2003
| 100 | 9.
| Public Islamic Balanced Fund
| Public Mutual Berhad
| 27/09/2005 | 1000 | 10
| MAAKL Al-Umran
| MAAKL Mutual Berhad (formerly known as MAA Mutual Berhad)
| 28/03/2006
| 1000 | 11.
| KL City Dana Imbang
| KL City Unit Trusts Berhad
| 26/02/2003
| 300 | 12.
| Mayban Dana Ikhlas
| Mayban Unit Trust Berhad
| 17/09/2002
| 400 | 13.
| Lifetime Dana Barakah
| CIMB- Principal Asset Management Berhad
| 26/05/2003
| 500 | 14.
| Dana Islamiah Affin
| Affin Trust Management Berhad
| 11/11/2001
| 400 | 15.
| Pheim Master Trust -Dana Makmur Pheim
| Pheim Unit Trust Berhad
| 28/01/2002
| 100 | 16.
| Prudential Dana Al-Islah
| Prudential Unit Trusts Berhad
| 14/08/2002
| 200 | 17.
| CMS Islamic Balanced Fund
| CMS Trust Management Berhad
| 06/12/2004
| 200 | 18.
| Pacific Dana Aman
| Pacific Mutual Fund Berhad
| 16/04/1998
| 1000 |
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Bond Fund No | Fund Name | Management Company | Launch
Date | Approved
Fund Size (million) | 1.
| AmBond Islam
| AmInvestment Services Berhad
| 26/11/2001
| 500 | 2.
| AUTB Dana Bon Amanah
| Asia Unit Trusts Berhad
| 05/04/2004
| 500 | 3.
| ASBI Dana Al-Fakhim (formerly known as ASBI Dana Bon Islam)
| BIMB Unit Trust Management Berhad
| 27/12/2001
| 400 | 4.
| SBB Dana Al-Hafiz
| SBB Mutual Berhad
| 08/10/2004
| 200 | 5.
| RHB Islamic Bond Fund
| RHB Unit Trust Management Berhad
| 25/08/2000
| 500 | 6.
| HLG Dana Munir
| HLG Unit Trust Management Berhad
| 25/03/2003
| 500 | 7.
| OneAnswer Investment Funds - ING Bon Islam
| ING Funds Berhad
| 23/04/2004
| 300 | 8.
| Public Islamic Bond Fund
| Public Mutual Berhad
| 15/08/2001
| 800 | 9.
| PB Islamic Bond Fund
| 16/03/2006
| 300 | 10.
| MAA Mutual Trust - MAA Mutual Al-Saad
| MAAKL Mutual Berhad ( formerly known as MAA Mutual Berhad)
| 08/07/2003
| 200 | 11.
| Mayban Dana Arif
| Mayban Unit Trust Berhad
| 27/04/2004 | 1,000 | 12.
| Mayban I - Trust Fund 2008
| 16/06/2005 | 300 | 13.
| Lifetime Dana Wafiq
| Commerce Trust Berhad
| 23/02/2005 | 500 | 14.
| Avenue AsnitaBond Fund
| Avenue Unit Trust Management Berhad
| 18/03/2005 | 500 | 15.
| Pacific Dana Murni
| Pacific Mutual Fund Berhad
| 25/03/2003 | 500 | 16.
| Prudential Dana Wafi
| Prudential Unit Trusts Berhad
| 21/02/2005 | 200 |
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Other Funds No | Fund Name | Management Company | Launch
Date | Approved
Fund Size (million) | 1.
| ASM Syariah Money Market (formerly known as Kumpulan Modal Bumiputera Ketiga)
| ASM Mara Unit Trust Management Berhad
| 31/10/2005
| 200 | 2.
| TA Dana OptiMix
| TA Unit Trust Management Berhad
| 17/01/2005
| 800 | 3.
| TA Islamic CashPlus Fund
| 6/6/2005
| 600 | 4.
| AmAl-Amin
| AmInvestment Services Berhad
| 26/11/2001
| 500 | 5.
| AmOasis Global Islamic Equity
| 21/04/2006
| 200 | 6.
| Mayban Dana Fitrah 1 - Capital Protected
| Mayban Unit Trust Berhad
| 27/07/2004
| 300 | 7.
| Alliance Islamic Money Market Fund
| Alliance Unit Trust Management Berhad
| 06/10/2005
| 200 | 8.
| Lifetime Dana Fayyad
| CIMB-Principal Asset Management Berhad
| 20/04/2006
| 500 | 9.
| Apex Dana Al-Kanz
| Apex Investment Services Berhad
| 18/05/2006
| 250 | 10.
| RHB Global Islamic Portfolio Series 1
| RHB Unit Trust Management Berhad
| 28/06/2006
| 100 | 11.
| Hwang-DBS Islamic
Cash Fund *
| Hwang-DBS Investment Management Berhad
|
| 100 |
Utk pengetahuan En koko fund Public Mutual return dia dah tolak tax dan zakat sekali... |
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Dan ini return fund kami....
Performance of
Equity Funds From 01/06/2006 To 31/05/2007 ( 1 Year )
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| Fund Name
| Launch Date
| Total Return (%)
| Fund Average
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| Annual Return (%)
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| PSF
| 29/03/1981
| 44.0722
| 44.0722
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| PGF
| 11/12/1984
| 46.2509
| 46.2509
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| PIX
| 02/03/1992
| 48.4594
| 48.4594
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| PIF
| 18/11/1993
| 54.5981
| 54.5981
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| PAGF
| 25/04/1994
| 54.1500
| 54.1500
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| PRSF
| 25/04/1994
| 44.8169
| 44.8169
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| *PITTIKAL
| 10/04/1997
| 45.3653
| 45.3653
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* ITTIKAL ADALAH ISLAMIC FUND
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[ Last edited by edypublicmutual at 2-10-2007 10:28 AM ] |
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PSMALLCAP
| 13/06/2000
| 50.0956
| 50.0956
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| PEF
| 15/08/2001
| 48.4413
| 48.4413
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| PBGF
| 03/10/2002
| 52.7696
| 52.7696
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| *PIEF
| 28/05/2003
| 44.4634
| 44.4634
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| PFSF
| 25/11/2004
| 50.8326
| 50.8326
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| PDSF
| 03/05/2005
| 41.7178
| 41.7178
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| *PIOF
| 28/06/2005
| 47.7509
| 47.7509
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| PBIEF
| 05/09/2005
| 46.3858
| 46.3858
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| PFES
| 22/11/2005
| 39.2550
| 39.2550
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| *PIDF
| 14/02/2006
| 44.8136
| 44.8136
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| PRSEC
| 21/03/2006
| 34.9550
| 34.9550
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* ADALAH ISLAMIC FUND
[ Last edited by edypublicmutual at 2-10-2007 10:29 AM ] |
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Originally posted by edypublicmutual at 2-10-2007 10:12 AM
En koko dah salah bg info. ASB tak penah declare dia halal. Sila rujuk master prospectus. Di sini saya sertakan fund yg di sahkan halal oleh Majlis Penasihat Shariah, Suruhanjaya Sekuriti:
Lis ...
Sapa kata tak pernah declare halal...?
Aku ada baca fatwa yg mengatakan halal dan harus bagi ekonomi umat islam
Camana sesenang ulamak nak keluarkan fatwa mcm tu kalo tak dgn izin panel agama kerajaan?
Kita fikir mcm ni lah senang...
Dlm Islam sendiri ada 4 Mazhab yg berbeza pemikiran & juga hukum hakam..
Imam Maliki..hukum hakam & pemikirannya begini..
Imam Syafie..hukum & pemikirannya begitu..
Imam Hambali..hukum & pemikirannya macam itu..
Imam Ghazali hukum & pemikirannya kata ini...
Jadinya..ada percanggahan & fakta memasingkan..?
Last sekali terpulang pd INDIVIDU nak AMBIK dan YAKIN pahaman yg mana satu..?
Mcm tu jugak dgn MUFTI...
Ada yg berbeza pendapat.....
Tapi yg pentingnya PEMERINTAH kita org Islam telah declare halal...
terpulang la pada individu nak buat keputusan....
Bukan senang tanggungjawab pemerintah nak jatuhkan hukum HARAM @ HALAL...
Nak tanggung dosa pahala rakyat wei....... |
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Originally posted by koko2 at 2-10-2007 10:26 AM
Sapa kata tak pernah declare halal...?
Aku ada baca fatwa yg mengatakan halal dan harus bagi ekonomi umat islam
Camana sesenang ulamak nak keluarkan fatwa mcm tu kalo tak dgn izin panel a ...
Terpulanglah kepada EN koko. Sebab saya tak penah pulak baca kerajaan keluar fatwa halal setahu saya kerajaan senyap je.. kalau ada sertakan la kat sini... Bila saya rujuk master prospectus dia takde lak ckp mcm tu |
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Category: Belia & Informasi
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Post time 1-10-2007 09:47 AM
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