Unit Trust, Guys!

Wanna know what some TIEC3 alumni do to get extra money? All TIEC3 alumni are basically smart people and SPM high achievers. Actually, a number of them are financial consultants involving in unit trust business either as a full timer or as a freelancer. Among them are Atai, Norm and Bruce and if I am not mistaken there are more. Good luck to them!

Below are a chain of emails in August 2008 regarding unit trust. Please contact them if you wanna know more about it and wanna have some.  I myself have invested 10K each in Public Mutual and CIMB each few years back.   

since the money is taken from EPF Account 1 then whatever keuntungan will be channeled back to the said account (EPF rule mana kita boleh ubah2 sesuka hati....). Unless you initially invest using your own cold hard cash then it will go direct to your pocket. Exposing your money to equity trading will either earn you more profit, or less profit or the worst case scenario wipe away all of it. My sincere advise don't borrow to invest since you might have to suffer loss and at the same time service your loan. Default payment means your name will be blacklisted, lagi susah oooo... Kalau pinjam sama along lag nayaaa... However, unit trust risk is quite managable and the return is quite handsome as well. 

 

Cop2 jari senang jer, suruh je la cop few forms so every three months tak yah la cop lagi... La ni kene buat 2 - 3 kerja la Brus, semua barang naik regaaaaa....

 

norm

san marcos dulu

unit trust consultant la niii....

Norm. 

Akum , ini Norman San Marcos ke ? hang kat Bernama lagi ke 

Kempen Baguih no. 

But Norm , aku rasa bila target dah capai , instead hang masuk EPF balik , lebih baik hang tukar  masuk the profit to  money market. Ini  sebab profit hang tak expose to equity trading too much. Lagi satu bila duit tu masuk EPF balik  payah nak keluar lah . Bercop-cop jari dibuatnye . Ini aku punya opinion lah . Apa hang cakap tu pun betul . 

Apa-apa pun , kawan2 masuk Unit Trust  sekarang . Sebab tgh Murah  !!!!. 

Pun buat Unit Trust . 

Brus-Ipoh   

019-5760715 

unit trust ni interesting sebab pulangannya jauh lebih besar dari ASB, Tabung Haji, mahupun EPF sendiri. Investment boleh dilakukan sama ada menerusi EPF Akaun 1 atau tunai. Jika EPF, pengeluaran boleh dibuat setiap tiga bulan sekali. Boleh pilih Islamic funds atau conventional. Tempoh masa investment adalah medium to long term, that is about 3 - 5 years dengan target keuntungan melebihi 10%. Often the ROI (return of investment) exceeds 20%. 

  

The amount that can be withdrawn from EPF Account 1 depends on individual age. E.g. kalau umur 40 years jumlah simpanan asas mandatory is RM44,000. Assuming one has 100K, minus RM44K so ada balance RM56K.Dari jumlah RM56K tu pulak cuma 20% sahaja yang layak dilaburkan iaitu sebanyak RM11,200. Kalau cash investment this calculation does not apply. Minimum investment is RM1,000. Keuntungan selepas tempoh matang akan dimasukkan semula ke dalam akaun EPF, jika cash one will get back his pokok investment plus profit. Unit Trust Consultant will inform and advise bila target telah dicapai. 

  

For those yang belum invest this is the right time to do so because semua funds especially CIMB Wealth Advisor harga semua tengah murah. The lower the price is better because you will get more units. Sesiapa berminat boleh lah hantar pertanyaan lanjut or use Yahoo Messenger to message me at norm2702@yahoo.com or 019 211 6614 atau 03-2696 2377 nak call Atai pun boleh, yang penting start invest now for our future. No harm taking some from EPF because whatever it is giving us at year end is like peanut only. So, happy investing! 

  

Norm 

Ceritalah lagi seronok jugak dengar pasal Unit Trust ni. Bukan ke inflasi ni disebabkan duit berlebih2 kat pasaran menyebabkan supply kurang. Bila supply kurang harga barang naik. Bila barang naik central bank terpaksa pulak kurangkan jumlah duit dipasaran dengan kenakan interest tinggi supaya orang simpan duit lagi banyak kat bank sebab pulangannya pun besar. Unit Trust camna lak? Berapa pesen yield? Fixed income ke? 

  

Noraidah Basri aka Intan

Salam kengkawan smua.. 

terima kasih krn merespon.. 

Intan..la ni tak leh lagi nak nyakat teman..dah tak makan sakat lagi..dah lali..hari2 kena skat ngan anak2..teman dah ada cara nak atasi...SEKEH. . 

Pasal permintaan Intan utk gambaq2 kuih tu nanti teman usahakan ASAP..Intan pun duk kat Klangkan? Tunggguuu.. 

  

Ron..yg dah meninggaltu. .sedekah je al fatihah..masalahnye yg idup ni....nak sedekah apa yek?? 

  

AMinasir...emmm 10 biji...10.biji ye...kau nie masih pening2 lalat tak..atau mungkin angau kena gigit dek tungau...wake up bro.. 

kau nie masih lone ranger lagi ke?? leh teman tolong promote kat ibu2 tunggal tu...4 U i'll do it f.o.c..konpem kuih tak yah beli lagi..amacam? ?? 

  

"sabdlati".. ..bersyukurla dgn nikmat proses pembesaran sementara masih ada ruang utk membesar...kita minum dulu... eh..eh..susu apa yek yg membuatkan kau cam gitu??? Mai la share kat c ni 

  

Norm...dulu 10 taun yg lampau..rasa2nya. .teman ada belanja kau teh tarik..wah sampai 3 round kau tibai..tapi tak pe..sbb masa tu secwan baru + - 60sen..smalam teman tibai lak 2 cawan..air yg sama..tp cawan dia teman peratikan..kecik skit brbanding dgn cawan dulu-dulu... nak tahu brapa ?? Teman huluq 10 hengget..dapat belen 7 hengget..kira tengok..stall mamak je tu.. 

hai...tak tahu la 10 taun yg mendatang.. inilah kesan2 inflasi terhadap nilai duit kita ye norm?? 

Tapi teman respek kat kau..bersiap sedia dari sekarang dgn membuat investment utk masa dpan..sampaike? ? Insyallah Norm.. 

Yg kena ingat...inflasi akan terus menyusutkan nilai matawang...invest dlm unit trust ni adalah salah satu cara yg ternyata proven untuk mengatasi atau sekurang2nya mengimbangi inflasi nie..sama2 fikirkan... 

Yg rasa tak de masa nak fikir..UTC yg ada sedia memberi gambaran yg lebih jelas...kebaikan dan risiko dlm unit trust..tak kisahla CimbWA ke P.mutual ke ASB ke..smua ada kekuatan masing2...kepada yg dah melabur..tahniah. .cuba rajin2 tanya pada agen anda peluang2 yg timbul (biasaanya terjadi dlm kitaran 10taun skali) akibat senario ekonomi dunia skarang..kpd yg belum...time2 ginie harga tengah murah...selamat melabur 

  

Atai-Public mutual [012 -2153449] 

Norm-Cimb Wealth Advisor[019- 2116614] 

  

  

Eh lupa lak..sedara kita Tn Hj Roslan(Tokak) masih menunggu mreka2 yg berminat nak join futsal friendly game dgn senior(tiec) on 30th bulan nie.. 

Smbutan masih hangat2 taik ayam Tn. Hj..kena paham star-star nie lambat skit nak konpem..al maklum..macam2 kelulusan kena dapatkan dulu...pas tu yg dah over size..jersi ada tapi dah tak brapa nak muat..hensem semacam je rupanya...kalau belari..gayanya macam ada bola lak dlm perut..belenggeng bole ke?? 

  

ringkasan mereka yg perlu di bantu.. 

1- ibu2 tunggal dgn kuih2 nya 

2- "sabdlati" dgn proses pembesarannya yg agak over 

3- Aminasir yg diawang-awangan 

4- Tn Hj Roslan(tokak) dgn futsal game 

5- Anda smua dgn perancangan altenatif utk masa dpan 

6- Teman sendiri yg masih menunggu respon dari "pemerhati2" di luar tu..mari kita meriahkan lagi..otai2pun dah lama sonyap je.. 

  

ok la teman mintak maap le..mana yg silap atau tertulis lebih.. 

amin and "sabdlati".. kau org jgn ambik hati yek..teman gurau je tadi.. 

  

Hello norm, sorrylah tak tau nama hang sebenar apa. Muka pun dah tak ingat. Any way thank you for you advice. Cuma nak tau kalu nak invest pakai dui sendiri agak2 brapa minimum? Risiko tinggi tak? pulangan tiap2 tahun dapat ker cam ASN tu? Rekomen satu Unit Trust yang bole trust punya and Islamic ofcourse. TQ.

 

Noraidah Basri

Salam... Intan, kalau nak invest minimum is RM500 - but rule of thumb says the more you invest the better the return will be. Unit trusts risks are manageable, the investment is for medium to long term, say three to five years, could be profitable earlier than three years. There are plenty of Islamic funds and conventionals for you to choose from but for Islamic fund I would suggest CIMB Islamic DALI Equity Fund formerly known as Dana Al-Ihsan 2, for conventional CIMB Principal Equity Aggressive Fund 1.

 

You could invest both using your cash and EPF at the same time. Kalau you and your colleagues kat MBSA free I boleh datang jumpa you all and bagi clear explanation. I am staying in Klang, so Shah Alam tu dalam 15 - 20 minit jer dah sampai. Pada kawan2 yang tidak minat maaf ya... sorry for flooding your mail with unnecessary mails. In the mean time those yang minat boleh send mail direct to me norm2702@yahoo.com because I think it is not appropriate to discuss about this at the expense of our other friends' e-mails.

 

Mohd Noor Atan 

019-211 6614