Defensive Approach dalam Unit Trust Investment; Peluang Kerjaya as Consultant Unit Trust in Public Mutual

Dekat forum putera yg lama...aku ada bukak satu thread.." Ingin mencari sesiapa yg berminat dgn perniagaan amanah saham - di bawah Public Mutual Berhad"..oleh kerana forum yg lama tue masih dalm upgrading process..so, aku terpaksa bukak satu thread di forum sementara putera.com nie utk meneruskan kerja2 menyebarkan maklumat terkini ttg UT public mutual, career unit trust consultant dan unit trust investment and economic update as a whole..

Harapan aku, forum lama dpt di kembalikan semula beserta contents2 nya skali..

Update aku yg pertama dan akan seterusnya pasnie...(spt di forum2 yg lain)..

Unit Trust bukan semata2 ekuity fund

Unit Trust juga ada fixed income fund (bond dan money market) yg offer capital preservation dan bg steadier income espescially during volatile environment. My point is, for those yg plan to buy investment in moderate-huge amount espescially by $$, pelabur should consider certain portion to park into fixed income fund, espescially bond.

Fixed income funds are usually invested in bonds and interest-bearing instruments and are generally steadier and offer capital preservation. The expected return for a bond fund should be two to three percentage points above the fixed deposit rate. The risks are significantly lower with bond funds and they are an alternative to your fixed deposits.

Everyone should invest into bond fund kerana bond fund bg some liquidity in case pelabur need cash on urgent basis.

Unit Trust bukan hanya semata-mata dollar cost averaging (monthly topup)

Practise dollar cost averaging, which allows pelabur to average down by buying more units when prices are low and less when they are high. If pelabur had invested during the market high in 1997 and practised dollar cost averaging, mereka would probably be in the black by now.

However, DCA it is not the only way to maximize return dan minimumkan loss...

Unit Trust have switching, as a tool to maximize return dan reduce loss also. Sebelum itu, pelabur kena faham ttg one [1] very2 common trend iaitu apabila ekuity fund turun, maka bond akan naik..ekuity fund naik, bond akan turun.

The strategy is, do switching as on when necessary based on analysis onto index market movement estimation by using Beta, R-Square. In general, when pelaburan ada generate untung, switch all your capital + unrealized profit from ekuity to bond fund (to lock profit), when market drop, re-switch balik to ekuity fund, di mana ur initial investment then would be capital + profit.

Kerja switching nie sebnrnya agent yg kena buat but it your responsibility to remind them as well. Please alert them, get the update on regular basis.

The cost involved pula would be minimum as RM 25 (switching fee) and service charge. But fyi, service charge is nothing to loose as the return generated from bond helps to compensate the switching fee. For mutual gold (investment > 100K)...switching is free.


Saya stongly suggest kepada bakal pelabur agar buat asset allocation juga spt di bawah (sumber dpd Public Mutual dan Fundsupermart)

Conservative
Bond 50%
Equity 50%

Moderate
Bond 45%
Equity 55%

Agressive
Bond 30%
Equity 70%


Assuming annualized return of Bond = 6% & Equity = 9%...Annualized return is Effective rate of return, minus tax dan inflation.

saya mengalukan2 feedback ttg post saya nie. Boleh kita berbincang sbb maybe agent lain tak sependapat ngan saya..ttg sesapa nak tahu dgn jelas ttg camna saya gunapakai switching utk dapatkan keuntungan semaksima yg boleh dan reduce loss seminimum yg mungkin,bole email saya di nazri.amirul@gmail.com.insyaallah saya akan show sample akaun clients saya

APa yg saya quote di atas is based on my 3 1/2 years experience jd agent.

Difference consultant, different style, difference return..

In Search of a Safe Heaven....Bonds provide capital preservation and stable income stream.

The bond market remains attractive to individual and large corporation that require funding for long term capital incentive projects and the financing of the maturing debts.

Everyone should invest/asset allocate into bond fund.

Recent Market update on current economic situation, from CIMB research…

4Q08 results round-up - Still bad, but fewer downgrades

For 2009, we expect another disappointing year, with EPS pulling back another 7.8%, again worse than the 3% dip we expected previously. There are further downside risks as the earnings outlook should remain weak for 1-2 more quarters due to the high base and the likelihood of a technical recession for Malaysia in 1H.

However, we take heart from the let-up in downgrades and cuts since the climax in Nov. This could mean that we are closer to the bottom. We retain our end-09 KLCI target of 1,013 points as we see positive catalysts slowly emerging in 2Q.

While we still expect a tough 1H, we think the stock market will stage a rebound in 2H as the political succession takes hold. Maintain NEUTRAL on Malaysia.

Kalau sesapa yg join buat biz Unit trust nie...they will join when the market within the bottom line..So, their client straightway have potential to have capital appreciation when the market is up later...

baca la kisah benarku di bawah..saje2 nak promote

QUOTE:
Originally posted by shidaaziz at 12-11-2008 02:59 PM
amirul, jangan le tempek statement panjang2. ko kena le cerita kisah & pengalaman ko. share le tips2 berguna. aku ni 1 sale pun tak buat lagi. nak pergi talk tapi kena siapkan thesis dulu baru le ...

Ok la bro..kisah aku tak leer se-glamour kisah otai2 lain..

Aku memulakan kerjaya nie as part time jer dulu on December 2005. time tue, aku masih lagi bekerja di bank sebagai Risk Management Executive (Insurance & Investment)


Aku mula2 mengetahui ttg pelaburan UT bila aku di approach oleh sorang agent UT di shopping complex (la nie upline aku)..mmg rezeki upline aku on that time…becoz kebetulan aku tak tau hape ngan UT but aku mmg tercari2 product pelaburan mana yg bole bg return more than ASB..so aku terus subscribe masuk Islamic Equity Fund..terbang RM 10K…

2 bulan, 3 bulan..pelaburan aku dah ada profit more than 20%, aku terus jual (sbb nak kahwin time tue)..lepas kahwin, oleh kerana aku sedar kos hidup akan meningkat, aku tanya upline aku samada as kerjaya nie kalau buat part time consultant ada prospect tak utk succes..upline aku ckp very simple..bukan setakat nak success, nak jadi millionare pun bley tp yg penting kena usaha, consistent dan byk kena “sacrifice”..

upline aku lansung tak cakp ttg benefit instead dia kata komisen jadi UTC nie ciput… 2.85% ajer but kalau aku “consistent” dan “sacrifice”, follow strategi recruitment dgn tekun, aku akan earn financial freedom..so, aku nekad walaupun aku sedar, nak jadik kaya bukan sekelip mata tp kena usaha dulu..



Aku bukan cam otai2 lain dlm biz nie yg very lucky closed sales juta2, komisyen ribu riban at the 1st time they joined this biz..bulan pertama, aku hanya closed sales RM 1000 ajer (duit aku) so My first komisyen is just RM 28.50 jer..2nd month, closed sales naik sket.. dpt RM 4000…itu pun client aku hanya mak aku, mak mentua aku dan pakcik aku…


kalau korg baca kisah-kisah benar UTC lain..1st month komisyen ajer dpt RM 5000-RM 6000, aku tak bernasib baik cam diorang..and aku rasa tertekan



Memandangkan aku terperangkap di ofis, aku realize yg aku takleh pegi jauh kalau mengharapkan closed friends dan family members..oleh itu, aku rajin2 turun roadshow, sabtu ahad pergi “lone ranger” kat pasar seni dan masjid India, aku aktif masuk Jawatankuasa penduduk, kelab umno (tujuan business shj ),



summer nie utk meng “expose”kan aku kepada cold market…dan aku juga start meng”aktif”kan diri dlm forum internet..pendek kata, aku gunakan every source yg bole semata2 utk dptkan “contact”…kita kena let every body knows what business are we offered..kita kena promote biz..Aku juga terpaksa selamba menggunakan platform kerja aku yg banyak deal dgn customer bank..amik kontek depa dan follow up kemudian..



As part timer, mmg masa aku terhad nak jumpa client..oleh itu, aku try seboleh2 arrange appointment time lunch hour, after working hour dan juga weekend..kalau client nak jumpa time office hour, aku akan amik ½ day leave..setakat emergency leave..aku on top dkt human resource…



Pengalaman aku yg paling leceh ialah apabila aku nak meyakinkan CFO satu kompeni nie ttg benefit Unit Trust Investment ..time tue, company nie adalah my 1st time ever prospect corporate clients..macam2 dia mintak kat aku dr projected return, tax, financial planning hinggala ke unit trust portfolio model..time final presentation lagi kena bamboo plak tu becoz presentation slide files aku corrupted ..bengkek betul ..aku terpaksa depends on excel sheet, QFR dan account-account client aku as supporting docs…oleh sbb itu, aku dah give up..kalau ada rezeki, ada la…



after 2 weeks, secretary call kata aku has been selected..menangis aku time tue …CFO ucap syabas, dia select becoz aku very “patient” and “honest”..alhamdullillah, my 1st 1 million ringgit sales..and now, they are still my client. Diorng punya 1st investment dah selamat di bawa kuar beserta profit 60% ++ (during KLCI peak 1500 points) ..now aku handle 2nd investment (they masuk semula RM 800K.. time KLCI 900 points…nak beli murah)



year 2007 adalah turning point..aku decide to make a big step to be full time Consultant.. Walaupun bini aku kuat menentang..tp skang la nie tiap bulan selalu senyum kembang 2 corporate sales yg aku handle (including di atas) dan masih lagi active insyaallah memberikan pasif income yg baik tiap2 bulan..


Minggu by minggu, bulan by bulan, late tahun 2005 hinggal early tahun 2007 sehinggala time skang… sales aku bertambah dpd RM 1000 hingga la now approaching 10 millions ++ dan insyallah akan bertambah lagi selagi aku work hard ..kalau dulu target yg individual shj, now main target is corporate dan datuk2..we must know who we must target kalau berangan nak makan besar...



Prinsip aku utk success dlm biz nie is very simple ..Konsistent dan sacrification..konsistent bermaksud everything dlm biz nie kena consistent..call customer, closed sales ,manage, sales after service everything etc...sacrification is a must becoz nowadays competition is very tough..people look at value added if the service is about the same..


Usaha, rajin, don’t give up, jgn malu2, knowledge etc. now is a basic requirement already..without that, don’t jump into this biz..otherwise, buang masa ajer.

Kindly take a look..a discount factor of 2 popular funds in Public Mutual..

sesapa yg nak melabur through aku.just for info, aku actively managed akaun by switching (terhad utk mereka yg invest more than 5K, 1K ajer, buat DCA lagi baik)

sape yg join group aku..aku akan ajar technical2 knowledge ttg UT, lebih yg korg bley dpt dpd di forum dan kelas2 training..

camna nak buat sales...aku bg praktikal training sekali, company bagi dan agency aku skali

sesapa nk jumpa aku, bley mai booth aku di matta Fair di PWTC Ahad nie..9am - 3pm

Nie aku copy & paste bulat2 dpd 1 artikel yg di post di Bicara jutawan.com.. Backdated 2007 but still useful as peringatan..


Miskin selepas pencen -- Dengan purata caruman RM114,000 pesara belanja RM475 sebulan

KUALA LUMPUR 18 Okt. – Kumpulan Wang Simpanan Pekerja (KWSP) mempunyai caruman terkumpul berjumlah RM224 bilion sehingga Disember 2006 namun secara purata simpanan seorang pencarumnya yang mencapai usia 55 tahun cuma RM114,000.

Dengan simpanan sebanyak itu, seseorang pencarum KWSP yang bersara hanya mampu membelanjakan RM475 setiap bulan bagi membolehkannya menampung hidup sehingga usia 75 tahun.

Perbelanjaan RM475 sebulan akan meletakkan pesara berkenaan dalam kategori golongan berpendapatan di bawah paras kemiskinan.

Pendapatan orang yang dikategorikan miskin di Semenanjung kini ditetapkan RM530 sebulan, Sarawak (RM585) dan Sabah (RM685).

Pengurus Kanan Perhubungan Awam KWSP, Nik Affendi Jaafar memberitahu, pada masa ini purata caruman terkumpul kira-kira 47,500 pencarum KWSP yang akan genap umur 55 tahun pada tahun ini ialah RM114,000.

“Jumlah simpanan ini tidak mencukupi berdasarkan anggaran mereka akan menggunakan wang itu selama 20 tahun berikutan jangka hayat yang semakin panjang serta kos sara hidup yang terus meningkat,” katanya kepada Utusan Malaysia dalam satu temu bual di pejabatnya di sini.
KWSP mempunyai kira-kira 11 juta pencarum dengan 47,500 orang akan mencapai umur bersara pada tahun ini.

Menurut Nik Affendi, bagi memastikan pencarum KWSP dapat bersara dengan selesa, setiap ahli dana pencen itu perlu mengubah sikap mereka yang berharap sepenuhnya kepada caruman KWSP untuk menampung hidup selepas bersara.

“Caruman KWSP setiap bulan hanya melibatkan 11 peratus daripada gaji mereka, jadi masih terdapat 89 peratus pendapatan pencarum yang boleh digunakan untuk membuat pelaburan yang akan menghasilkan pulangan tetap pada usia tua,” ujarnya.

Nik Affendi menasihatkan para pencarum supaya berhemah ketika membuat pengeluaran awal sebelum persaraan membabitkan pelbagai skim yang telah disediakan oleh KWSP termasuk pengeluaran rumah, pendidikan dan kesihatan.

“Jika mereka mempunyai sumber lain, simpanan KWSP harus dijadikan sebagai pilihan terakhir,” tegasnya.

Ditanya mengenai langkah-langkah yang telah diambil bagi memastikan simpanan persaraan setiap ahli bertambah, katanya, struktur akaun ahli KWSP telah disusun semula daripada tiga akaun kepada dua mulai 2 Januari lalu.

Sebelum ini, sebanyak 60 peratus daripada caruman bulanan ahli dikreditkan ke dalam Akaun I manakala 30 peratus ke dalam Akaun II dan 10 peratus ke dalam Akaun III.

Penstrukturan itu menyebabkan Akaun I – yang khusus untuk tujuan persaraan dan hanya boleh dikeluarkan setelah pencarum mencapai usia 55 tahun – ditingkatkan sebanyak 10 peratus kepada 70 peratus.

Selaras dengan perubahan itu, ujar Nik Affendi, pengeluaran kesihatan yang sebelum ini hanya boleh dibuat daripada Akaun III kini boleh dikeluarkan daripada Akaun II.

Wang dalam Akaun II yang melibatkan 30 peratus caruman ahli juga boleh dikeluarkan untuk pembiayaan perumahan, kesihatan, pendidikan dan apabila cukup umur 50 tahun.


Majority neglect retirement plans

Friday March 14, 2008.
The Star Online

KUALA LUMPUR: More than half of Malaysian workers have not prepared for retirement while those who have, only started planning after age 40, according to a survey.

The average age working Malaysians began preparing for retirement was 41, while retirees said they did so at 47.

“That’s way too late. It doesn’t give them enough time to build their retirement fund,” Axa Affin Life Insurance Bhd branding and communications head Cheah Leng Sooi said in announcing the findings of the AXA Retirement Scope 2008.

In the survey carried out by research house Synovate, 313 working people aged 25 and above and 319 retirees aged below 75 in urban areas were interviewed over the telephone.

The survey, part of a global study conducted in 26 countries and involving 18,000 respondents, was undertaken for the first time in Malaysia, from July 23 to Aug 27 last year.

Among those who had planned for retirement, most began after they married, had children, or fell into financial difficulties or had health problems, Cheah said.

Their sources of retirement income included life insurance, Employees Provident Fund and personal savings.

The retired saved an average of RM478 a month, and the working RM704, figures that were considered low compared with other countries.

“Malaysian retirees feel that their retirement income is insufficient to cover household expenses. Their average income is RM1,243 but the amount they need is RM1,568 – a deficit of RM325,” she said.

In comparison, Singapore’s average retirement income is RM3,690, and the amount needed RM3,465; while Thailand’s average income is RM1,276, and the amount needed RM903, according to the survey.

The disparity between high and low income earners in Malaysia is wide, the high-income retirees having four times more than those with low income, the survey found.

Despite insufficient income, three-quarters of the retirees said their quality of life had improved if not remaining the same, while 83% of the working group expect their quality of life to improve or remain the same.


Jika diamati artikel diatas memang menakutkan.Persoalannya sekarang adakah simpanan kita mencukupi setelah kita bersara nanti atau kita masih lagi perlu bekerja untuk menampung kehidupan selepas bersara???

Tahniah kepada yang telah bersedia dan kepada yang belum bertindak saya nasihatkan bertindaklah sekarang sebelum terlambat. Masa begitu cepat berlalu..

Ingin Maklumat lanjut atau ada sebarang pertanyaan tentang perancangan hari tua anda atau pelaburan bersama Public Mutual boleh PM saya.Boleh juga sama2 berkongsi pendapat di sini semoga menjadi panduan buat kita semua.

Start Buying Now. Seriously.

iFAST Corporation co-founder and executive director Moh Hon Meng says it’s time to go back into equity markets.


So have investment legends like Warren Buffett, who bought in October, John Bogle, who said in this month that equity markets are too low and Bill Miller, who recently said that he sees great value in equities. (I am nowhere near an investment legend, but I am following their lead).

This is opposed to the doomsayers who say that the worst is yet to come. These doomsayers are … who are they again?
It’s interesting for me that there are always “investment experts” who criticise Warren Buffett. They say he was irrelevant to the new economy in 1999, when he refused to buy technology shares. They say he didn’t understand the situation when he said that financial derivatives were “financial weapons of mass destruction” back in 2002. And now they say that he is simply trying to talk up his own investments, when he said recently to “Buy America”. These things they say of the world’s most successful investor, the world’s richest man. Nobody remembers these “they”, but Warren Buffet continues to make loads of money from his investments.

Let’s look at the reasons why “they” say things will get worse.

“This time it’s different”

You’ve heard this one. “They” say this time it’s different because it’s an unprecedented global economic slowdown not seen since the Great Depression. To this I have two responses:

It’s always different. If it wasn’t different, no one would panic, and no one would sell their shares, and stock markets wouldn’t fall. For example, if a plane slams into a major building somewhere tomorrow, (it would be a tragedy, but) world stock markets would not crash the way it did in the aftermath of September 11th. The Asian financial crisis, tech bubble bursting, Iraq and Afghanistan wars, SARS, sub-prime crisis, they were all different.



It’s never different. What doesn’t change is that the human race has always been able to find solutions to these problems and emerge stronger. This is a unique trait that human beings have. If we did not have this trait, we wouldn’t have evolved as a species. This is one of the reasons world stock markets grow over the long term; we always grow and thrive as a species, and we always find solutions to problems.

“We don’t have clear signs yet that a recovery is in sight”
This is what many analysts say. Again, I have two responses:

If we had clear signs, the stock markets would have gone up a lot, and you would have missed the opportunity to make inordinate profits. Stock markets always anticipate economic recoveries. By the time the analysts are able to report clear signs, we would be more than halfway to the top.



We do have some clear signs of action. We know that these actions are being taken.
Monetary policy actions: We have seen governments across the globe cut interest rates and increase money supply. In recent weeks, we have announcements coming out of the U.S., the E.U., the U.K, Australia, China, Korea and others. These are extremely expansionary.



Fiscal policy actions: More and more governments are injecting billions into their economies. Usually they will do this by funding infrastructure projects, reducing taxes, and so on. This will increase overall demand and stimulate the economy.

In a short time, the global economy will feel the effects of these actions. So yes, we do have a recession. But a lot of smart people at governments all over the world are working frantically to address it.
The fiscal policy actions are easy to understand, but if you always wondered why interest rates have such a big impact, the reason is this: private companies always have expansion plans. They may be reluctant to borrow funds to expand if borrowing costs are high. They will be particularly cautious in a recessionary environment. But when rates decline, many will start borrowing, start hiring and start expanding.

“The recession will extend for another 3 quarters”

This seems to be the consensus economic forecasts. But let’s say this is true. Three quarters means the last quarter of 08 and the first two quarters of 09. Let’s budget another quarter and say it goes on till the end of 3Q 09.
I don’t want to forecast when the economy or the stock markets will recover. But I can say this: the stock markets always recover before the economy does.

Conclusion

Has the market reached a bottom? I feel strongly that either:

We have passed it. October could have been the bottom.
We are very near it. A lot of the bad news has been priced in. Given the very low valuations now, there’s not much downside, which makes the upside over the next two years very interesting.


Do not “punt”. Make sure you invest with money you can set aside for at least three years. This is because:

You don’t want to be caught having to sell at the wrong time. You need time for the markets to realise its full recovery potential.

This is the time to invest profitably. Seriously.

good articles bro...hopefully all malaysian start to invest now for future need...
thank god im in dis group....

Kepada prospect pelabur, ini just update on apa yg telah berlaku kepd index market dan apa yg di jangka akan berlaku pada akan dtg..moga ia bole membantu korg membuat keputusan utk buy investment atau pun tidak...

What has happened ..?

No.1

The recent strong market rally caught many investors by surprise again.

Most investors, including some analysts, predicted earlier that it was just a bear market rally. They have been hoping the market will turn down again. Unfortunately, it has been moving up strong without looking back.

Best example; KLCI Index was expected to make a U turn during 975-980 points instead, they are breaching 1000 points as to date.


No.2

For investors who have not invested during the recent low in March 2009, they are getting very worried as they are not benefitting from the recent rally. They may even wonder whether they should jump in now in order not to miss the boat.

No.3

the group of investors, who have managed to catch some stocks at cheap prices during the previous market low, are also facing the dilemma of whether to lock in their gains now or continue to hold on to their gains. Some even regretted selling their stocks too early last month.

What is expected to happen next..?[/b]

[b]No.1

Correction is set to come in because the market is in overbought condition But, it would not bring the composite index down more than 900 points.

Based on technical analysis, the composite index is on the bullish trend with moving average 200 (MA200) provide a very good support.

No.2

The announcement of GDP 2009 would likely on negative figures (-%). This may bring down the index But if it does not pass the 836.67 points (lowest index recorded on January 2009), the market has already reached and passed the rock bottom.

No.3

KLCI will likely test the 1400 to 1500 point level within the next 2 to 3 years Due to global stock markets are on a major bullish reversal.

The global economy is on course to a V-Shaped recovery as Economic data in almost every part of the world, including the US, is beginning to look much more positive. This will help our local stock market to recover earlier although our political environment is still under uncertain phase
__________________

Wah.. nama dah jadi PerWaris plak ek.. so, amacam sekarang nie. Tak berapa nampak lagi la profit dia walaupun aku aim untuk long-term investment.. hehe.

LanoG wrote:Wah.. nama dah jadi PerWaris plak ek.. so, amacam sekarang nie. Tak berapa nampak lagi la profit dia walaupun aku aim untuk long-term investment.. hehe.

bg mereka yg buy low during December hingga january 2009, dan juga mereka yg berdisplin buat regular saving.. skang dah ada profit..PCIF, those yg bought during harga 11 sen seunit..now dah breakeven.

those yg bought in year 2007, 2008..market drop -40% but now dah -25% to -20%...walaupun besar jurang dia tp possible to recover. The potential is there.