DCA adalah singkatan bg Dollar Cost AveragingGunanya utk minimumkan kerugian if market down dan cptkan proses keuntungan bila market dh mula naik.Penerangan saya simple je.Saya tunjukkan contoh mcm kt bwh:-
First Investment:RM50,000
Harga seunit:RM0.50 sen
Jumlah unit:100,000 units(50,000/0.50)
Katakan lepas buat first investment sprt di atas,market jatuh smpi harga fund tu jadi 0.25 sen.Ikutkan,dah rugi separuh.Tp dgn DCA,ia akan membantu mengurangkan kerugian dan mempercepatkan keuntungan bila maret naik.Jadi konsep DCA adalah dgn menambah pelaburan sprt di bawah:-
Second Investment:RM30,000
Harga seunit:RM0.25 sen
Jumlah unit:120,000 units(30,000/0.25)
Katakan pelabur tu tambah RM30 ribu(any amount pun x pe),jd pengiraan Dollar Cost Averaging sprt berikut:-
Total investment/total units=DCA
Total Investment:RM80,000(first invsmnt + second invstmnt)
Total units:220,000 units(first invsmnt units + second invstmnt units)
DCA:80,000/220,000=0.36 sen
Jadi purata harga belian pelabur adalah 0.36 sen.Jika pelabur itu membiarkan sahaja pelaburan dan tidak membuat DCA,pelabur kena ambil masa yg lama utk tunggu invstment make profit semula.Kalau buat DCA,dgn 0.36 sen tu lagi cepat breakeven dari tunggu 0.25 sen nak ke 0.50 sen.Senang cerita saya slalu tanya client,0.36 sen lg dekat ke 0.50 ke,o.25 sen lg dekat ke 0.50 sen???Haaa...dah tentu 0.36 sen kan.So that is the concept of DCA.Ramai client i faham with this concept n they love it much!!!
Friday, August 21, 2009
Thursday, July 2, 2009
CIMB Islamic DALI Equity Growth Fund awarded Best Malaysian Fund
Kuala Lumpur: CIMB-Principal Asset Management Berhad (“CIMB-Principal”) recently won the Best Malaysian Equity Fund award by Failaka Advisors. The 4th Annual Failaka Islamic Fund Awards recognised the CIMB Islamic DALI Equity Growth Fund for the Best Malaysian Equity Fund (Three-Year) category based on its performance as at 31 December 2008.
Failaka Advisors is the recognised leader in Islamic fund research, offering institutions and private investors access to a wealth of information on Shariah-compliant investment funds. Established in 1996, Failaka was the first company to monitor the performance of Shariah-compliant funds worldwide. It has then expanded its products and services to include advisory services and an online database and guide for Shariah scholars.
J. Campbell Tupling, CEO of CIMB-Principal said: “It is a great honour for CIMB-Principal to receive this award. The Fund has outperformed its index over a 3-year period by 25.91%. The award goes to show that our fund has performed commendably with good capital preservation over the long term.”
To date, the Fund has proven to be suitable for investors with a medium to long term investment horizon and for those who want to invest in a diversified portfolio that adheres to the Islamic principles. Currently, the Fund is conservatively positioned with an equity allocation of 70%. In addition, the Fund has a bar-bell structure with a layer of defensives stocks which together make up 10% of the portfolio. At the same time, the Fund is also keyed into the current market themes, which is currently overweight in the Construction sector in anticipation of more pump-priming projects.
“We have proven ourselves worthy and trust that investors will continue to stay invested with us despite the challenging economic environment.” Tupling concluded.
Failaka Advisors is the recognised leader in Islamic fund research, offering institutions and private investors access to a wealth of information on Shariah-compliant investment funds. Established in 1996, Failaka was the first company to monitor the performance of Shariah-compliant funds worldwide. It has then expanded its products and services to include advisory services and an online database and guide for Shariah scholars.
J. Campbell Tupling, CEO of CIMB-Principal said: “It is a great honour for CIMB-Principal to receive this award. The Fund has outperformed its index over a 3-year period by 25.91%. The award goes to show that our fund has performed commendably with good capital preservation over the long term.”
To date, the Fund has proven to be suitable for investors with a medium to long term investment horizon and for those who want to invest in a diversified portfolio that adheres to the Islamic principles. Currently, the Fund is conservatively positioned with an equity allocation of 70%. In addition, the Fund has a bar-bell structure with a layer of defensives stocks which together make up 10% of the portfolio. At the same time, the Fund is also keyed into the current market themes, which is currently overweight in the Construction sector in anticipation of more pump-priming projects.
“We have proven ourselves worthy and trust that investors will continue to stay invested with us despite the challenging economic environment.” Tupling concluded.
Saturday, June 27, 2009
RM688 for NEW RISING STAR!!!!!!!
Grrrrrrreeeeeeeeeeeeeeeaaaaaaaattttttttt news to all new consulatant CIMB Wealth Advisors!!!From 23 June until 22 December,for those for has a total sales at least RM50,000 will get RM688 just for FREE!!!!!!!!!!!!!!!
For those who haven't sign up yet,join me TODAY.Dont think too much when you really2 want it.The more you think,the more you DELAY YOUR SUCCESS.RM50k for six months of period is so EAAAAAAAAAASSSSSSYYYYYYYY!!!!This is an OPPORTUNITY and of coz I'm looking for someone that WILLING to take ACTION.
Be HAPPY,HEALTHY and WEALTHY.Yeeeeeeeeeezzzzzzzzzzzaaaaaaaaaarrrrrrrrr!!!!!!!
For those who haven't sign up yet,join me TODAY.Dont think too much when you really2 want it.The more you think,the more you DELAY YOUR SUCCESS.RM50k for six months of period is so EAAAAAAAAAASSSSSSYYYYYYYY!!!!This is an OPPORTUNITY and of coz I'm looking for someone that WILLING to take ACTION.
Be HAPPY,HEALTHY and WEALTHY.Yeeeeeeeeeezzzzzzzzzzzaaaaaaaaaarrrrrrrrr!!!!!!!
Thursday, June 25, 2009
CIMB-Principal Firm on China to Lead Recovery
Kuala Lumpur: CIMB-Principal Asset Management Berhad’s (“CIMB-Principal”) confidence in China as the leading market to recover from the global economic turmoil is reflected with the launch of a second new fund for the year featuring the China theme - the CIMB Islamic Greater China Equity Fund.
Speaking at the press conference today, Chief Executive Officer of CIMB-Principal, J. Campbell Tupling, said: “Following the successful launch of our recent structured fund, which is also focused on China, we have noticed that investors are keen to invest in China for potential higher gains. Now that China could be on the cusp of a longer term recovery, we want to offer the opportunity for a different type of investment.”
“Our investment team will look at high growth sectors such as industrials and consumers, which are expected to benefit from the economy’s recovery and the USD585 billion Chinese government stimulus packages. Various government initiatives such as industrial consolidation, government shopping voucher programme, nationwide insurance and medical care network put in place has gradually increased consumer confidence. Therefore, we believe that this is an opportune time for investors to participate in the growth of the market with our new Fund.”
He urged investors to consider the new Fund, which will be primarily distributed by CIMB Wealth Advisors Berhad (“CIMB Wealth Advisors”).
Meanwhile, Chief Executive Officer of CIMB Wealth Advisors Mr Tan Beng Wah said: “The CIMB Islamic Greater China Equity Fund is highly anticipated by many of our existing and potential clients. They look forward to capitalising on this opportunity and adding this new Fund to their current portfolio as part of the regional equity portfolio – an important segment for any investor in this current market.”
The Fund offers an opportunity for investors who are on the look out for an investment that gives exposure in the Greater China region, namely China, Hong Kong and Taiwan economies but is Shariah-compliant as well. This open-ended Fund will invest up to 98% of the Fund’s Net Asset Value (NAV) into Shariah-compliant equities and Shariah-compliant equity related securities of companies based in the Greater China region, with the remaining in Shariah-compliant liquid assets.
“Over the long-term, there is no significant difference in performance between a Shariah-compliant and a conventional fund. Therefore investors who diligently wish to observe Shariah guidelines in their investments can do so with confidence that investing the Islamic way will not hamper potential fund performance,” explained Tupling.
The CIMB Islamic Greater China Equity Fund has an approved fund size of 600 million units, with an initial offer price of RM0.2500 per unit. The Fund is also distributed by CIMB Bank, CIMB Private Banking and CIMB Investment Bank with a minimum initial investment of RM1,000.
***Taken from CIMB Principal Website.
Speaking at the press conference today, Chief Executive Officer of CIMB-Principal, J. Campbell Tupling, said: “Following the successful launch of our recent structured fund, which is also focused on China, we have noticed that investors are keen to invest in China for potential higher gains. Now that China could be on the cusp of a longer term recovery, we want to offer the opportunity for a different type of investment.”
“Our investment team will look at high growth sectors such as industrials and consumers, which are expected to benefit from the economy’s recovery and the USD585 billion Chinese government stimulus packages. Various government initiatives such as industrial consolidation, government shopping voucher programme, nationwide insurance and medical care network put in place has gradually increased consumer confidence. Therefore, we believe that this is an opportune time for investors to participate in the growth of the market with our new Fund.”
He urged investors to consider the new Fund, which will be primarily distributed by CIMB Wealth Advisors Berhad (“CIMB Wealth Advisors”).
Meanwhile, Chief Executive Officer of CIMB Wealth Advisors Mr Tan Beng Wah said: “The CIMB Islamic Greater China Equity Fund is highly anticipated by many of our existing and potential clients. They look forward to capitalising on this opportunity and adding this new Fund to their current portfolio as part of the regional equity portfolio – an important segment for any investor in this current market.”
The Fund offers an opportunity for investors who are on the look out for an investment that gives exposure in the Greater China region, namely China, Hong Kong and Taiwan economies but is Shariah-compliant as well. This open-ended Fund will invest up to 98% of the Fund’s Net Asset Value (NAV) into Shariah-compliant equities and Shariah-compliant equity related securities of companies based in the Greater China region, with the remaining in Shariah-compliant liquid assets.
“Over the long-term, there is no significant difference in performance between a Shariah-compliant and a conventional fund. Therefore investors who diligently wish to observe Shariah guidelines in their investments can do so with confidence that investing the Islamic way will not hamper potential fund performance,” explained Tupling.
The CIMB Islamic Greater China Equity Fund has an approved fund size of 600 million units, with an initial offer price of RM0.2500 per unit. The Fund is also distributed by CIMB Bank, CIMB Private Banking and CIMB Investment Bank with a minimum initial investment of RM1,000.
***Taken from CIMB Principal Website.
Tuesday, June 16, 2009
Siapa boleh melabur dalam saham amanah?/Who can invest in unit trust?
Lepas kita faham apakah maksud saham amanah, unit trust atau pun dana amanah,perlulah kita tahu siapa yang boleh membuat pelaburan dalam instrument pelaburan yang hebat ini.Berikut saya senaraikan soalan yg mungkin bermain di dalam fikiran anda.
Siapa yang boleh melabur?
-Individu dan juga syarikat.
Bagaimana saya nak melabur?
-Pelaburan boleh dimulakan serendah RM500 utk pelaburan secara cash dan minimum RM1000 utk pelaburan melalui KWSP.
Adakah pelaburan ini ada tempoh matang?
-Tiada tempoh matang dalam pelaburan ini.Namun anda digalakkan utk menyimpan dalam jangka masa 3 tahun ke atas.Namun begitu,anda boleh keluarkan pelaburan anda pada bila2 masa sahaja.
Apakah jenis akaun pelaburan saya?
-Terdapat dua jenis iaitu akaun dana amanah yg menggunakan cash sebagai pelaburan atau akaun dana amanah yang menggunakan EPF.
Dana apakah yang sesuai utk saya laburkan wang?
-Anda boleh laburkan wang anda di dalam dana syariah dan juga dana konvensional.Anda dan consultant akan mengenal pasti dana apa yg sesuai mengikut target anda dlm pelaburan.
Siapakah pengurus dana?
-CIMB Principal Islamic Assest Management utk dana Islamic dan CIMB Principal Asset Management utk dana konvensional.
Bagaimana jika saya hendak membuat simpanan bulanan?
-Simpanan bulanan boleh dibuat melalui autodebit terus dari akaun bank anda.Di CIMB Wealth Advisors,anda boleh gunakan khidmat autodebit ini dari Maybank,CIMB Bank,RHB dan Bank Simpanan.Jika tidak mahu menggunakan autodebit,boleh berurusan dgn consultant anda dan consultant anda akan buat bankers cheque utk anda kerana kami tidak menerima cash.
Berapa kadar minimum pelaburan plan bulanan melalui autodebit?
-Minimum utk plan bulanan melalui autodebit adalah RM200.Jika tidak menggunakan autodebit,anda boleh top up seberapa byk jumlah yg anda suka.
Bagaimana pula pelaburan melalui KWSP?
-Anda boleh mengeluarkan pelaburan melalui KWSP melalui Akaun 1 anda sahaja setiap 3 bulan sekali dimana minimum pelaburan ialah RM1000.Contohnya anda berumur 30 tahun dan baki di dalam Akaun 1 KWSP anda ialah RM40000,maka jumlah pelaburan yg anda layak ialah:-
RM40000-RM18000=RM22000 x 20% = RM4400.
Jumlah simpanan akaun 1 KWSP anda ialah RM40000 dan jumlah yang anda kena tinggalkan dalam Akaun 1 ialah RM18000.Maka setelah RM40000 ditolak dengan RM18000 bakinya adalah RM22000.Dan dari jumlah baki itu anda Cuma boleh ambil 20% sahaja.Jadi jumlah yg anda layak melabur adalah RM4400.Sila rujuk rajah pengeluaran KWSP di blog saya ini.
Sila rujuk link di sebelah kanan untuk menyemak jumlah kelayakan pelaburan melalui KWSP melalui jadual yg diberikan.Sila klik link tersebut.
Apa dokumen yang saya perlu sediakan utk memulakan pelaburan melalui CIMB Wealth Advisors?
-Salinan kad pengenalan sahaja utk pelaburan berbentuk tunai dan salinan kad pengenalan serta cop jari utk pelaburan melalui KWSP.Jangan risau,consultant anda akan membantu segela keperluan yg diperlukan.
Setelah membuat pelaburan,apakah bukti transaksi yang saya terima?
-Anda akan menerima Confirmation Advice Slip dari pihak CIMB Wealth Advisors dalam masa 2 minggu dari tarikh penerimaan borang anda di cawangan kami.Jika anda tidak mendapat slip tersebut,boleh hubungi consultant anda atau hubungi hotline customer seperti yg tertera di dalam bisnes card consultant kami.Boleh juga meminta
consultant memberikan ledger kepada anda jika anda tidak mendapat slip tersebut.
Bagaimana pula dengan servis Trust Nomination Service utk saya mewariskan wang pelaburan saya jika apa2 berlaku kepada saya?
-Anda boleh letak 4 pewaris utk mewarisi pelaburan anda yang hebat ini.Jika jumlah pelaburan anda sama bawah RM20000,caj Cuma RM52.50 seumur hidup dan jika sama atau lebih dari RM20,000,caj adalah RM105 seumur hidup.Anda perlu sediakan salinan kad pengenalan anda dan juga salinan kad pengenalan utk pewaris anda atau surat beranak anak anda jika mereka bawah umur 12 tahun.
Siapa yang boleh melabur?
-Individu dan juga syarikat.
Bagaimana saya nak melabur?
-Pelaburan boleh dimulakan serendah RM500 utk pelaburan secara cash dan minimum RM1000 utk pelaburan melalui KWSP.
Adakah pelaburan ini ada tempoh matang?
-Tiada tempoh matang dalam pelaburan ini.Namun anda digalakkan utk menyimpan dalam jangka masa 3 tahun ke atas.Namun begitu,anda boleh keluarkan pelaburan anda pada bila2 masa sahaja.
Apakah jenis akaun pelaburan saya?
-Terdapat dua jenis iaitu akaun dana amanah yg menggunakan cash sebagai pelaburan atau akaun dana amanah yang menggunakan EPF.
Dana apakah yang sesuai utk saya laburkan wang?
-Anda boleh laburkan wang anda di dalam dana syariah dan juga dana konvensional.Anda dan consultant akan mengenal pasti dana apa yg sesuai mengikut target anda dlm pelaburan.
Siapakah pengurus dana?
-CIMB Principal Islamic Assest Management utk dana Islamic dan CIMB Principal Asset Management utk dana konvensional.
Bagaimana jika saya hendak membuat simpanan bulanan?
-Simpanan bulanan boleh dibuat melalui autodebit terus dari akaun bank anda.Di CIMB Wealth Advisors,anda boleh gunakan khidmat autodebit ini dari Maybank,CIMB Bank,RHB dan Bank Simpanan.Jika tidak mahu menggunakan autodebit,boleh berurusan dgn consultant anda dan consultant anda akan buat bankers cheque utk anda kerana kami tidak menerima cash.
Berapa kadar minimum pelaburan plan bulanan melalui autodebit?
-Minimum utk plan bulanan melalui autodebit adalah RM200.Jika tidak menggunakan autodebit,anda boleh top up seberapa byk jumlah yg anda suka.
Bagaimana pula pelaburan melalui KWSP?
-Anda boleh mengeluarkan pelaburan melalui KWSP melalui Akaun 1 anda sahaja setiap 3 bulan sekali dimana minimum pelaburan ialah RM1000.Contohnya anda berumur 30 tahun dan baki di dalam Akaun 1 KWSP anda ialah RM40000,maka jumlah pelaburan yg anda layak ialah:-
RM40000-RM18000=RM22000 x 20% = RM4400.
Jumlah simpanan akaun 1 KWSP anda ialah RM40000 dan jumlah yang anda kena tinggalkan dalam Akaun 1 ialah RM18000.Maka setelah RM40000 ditolak dengan RM18000 bakinya adalah RM22000.Dan dari jumlah baki itu anda Cuma boleh ambil 20% sahaja.Jadi jumlah yg anda layak melabur adalah RM4400.Sila rujuk rajah pengeluaran KWSP di blog saya ini.
Sila rujuk link di sebelah kanan untuk menyemak jumlah kelayakan pelaburan melalui KWSP melalui jadual yg diberikan.Sila klik link tersebut.
Apa dokumen yang saya perlu sediakan utk memulakan pelaburan melalui CIMB Wealth Advisors?
-Salinan kad pengenalan sahaja utk pelaburan berbentuk tunai dan salinan kad pengenalan serta cop jari utk pelaburan melalui KWSP.Jangan risau,consultant anda akan membantu segela keperluan yg diperlukan.
Setelah membuat pelaburan,apakah bukti transaksi yang saya terima?
-Anda akan menerima Confirmation Advice Slip dari pihak CIMB Wealth Advisors dalam masa 2 minggu dari tarikh penerimaan borang anda di cawangan kami.Jika anda tidak mendapat slip tersebut,boleh hubungi consultant anda atau hubungi hotline customer seperti yg tertera di dalam bisnes card consultant kami.Boleh juga meminta
consultant memberikan ledger kepada anda jika anda tidak mendapat slip tersebut.
Bagaimana pula dengan servis Trust Nomination Service utk saya mewariskan wang pelaburan saya jika apa2 berlaku kepada saya?
-Anda boleh letak 4 pewaris utk mewarisi pelaburan anda yang hebat ini.Jika jumlah pelaburan anda sama bawah RM20000,caj Cuma RM52.50 seumur hidup dan jika sama atau lebih dari RM20,000,caj adalah RM105 seumur hidup.Anda perlu sediakan salinan kad pengenalan anda dan juga salinan kad pengenalan utk pewaris anda atau surat beranak anak anda jika mereka bawah umur 12 tahun.
Apa itu Unit Amanah/Unit Trust Investment?
Bijak Menabung: Fahami makna saham amanah
BEKAS juara tinju dunia, Muhammad Ali pernah berkata: Mereka yang takut mengambil risiko, tidak akan menempa kejayaan dalam hidup. Sememangnya hidup ini penuh dengan risiko, namun tidak ramai yang mengetahui bahawa ada risiko boleh diurus!
Risiko yang boleh diurus antaranya adalah pelaburan dalam saham amanah. Sejak memulakan ruangan ini Ogos tahun lalu, banyak pertanyaan saya terima sama ada berbentuk pesanan ringkas ataupun e-emel bertanyakan apakah itu saham amanah. Ramai yang membuat andaian saham amanah itu hanyalah saham amanah yang diuruskan oleh Permodalan Nasional Berhad (PNB) seperti Amanah Saham Nasional (ASN) ataupun Amanah Saham Bumiputera (ASB). Tidak ramai yang mengetahui bahawa kebanyakan institusi perbankan di negara ini turut menawarkan saham amanah.
Saham amanah adalah antara alternatif pelaburan terbaik terutama apabila matlamat pelaburan adalah untuk kegunaan jangka masa sederhana (tiga ke lima tahun) dan jangka panjang (lebih lima tahun). Ini kerana saham amanah berisiko rendah yang diurus oleh pengurus dana professional, dikawal selia oleh Suruhanjaya Sekuriti dan badan pemegang amanah seperti Amanah Raya Berhad dan industri ini dipantau oleh Bank Negara Malaysia.
Risikonya menjadi tinggi apabila pelabur tidak mempunyai masa (kurang daripada tiga tahun) kerana secara umumnya kitaran pasaran saham (merudum dan meningkat) mengambil masa antara dua ke tiga tahun untuk pulih. Jika pelabur mempunyai tempoh berkenaan, pelaburan saham amanah ini tidak berisiko langsung!
Saham amanah bukanlah skim cepat kaya (yang diharamkan kerajaan), tetapi ia adalah satu pelaburan yang sah dari segi undang-undang dan mereka yang terbabit dalam bidang ini terutama perunding saham amanahnya perlu menduduki peperiksaan khas oleh badan induk industri ini, Federation of Malaysian Unit Trust Managers (FUMTM) sebelum boleh menawarkan perkhidmatan ini.
Dana amanah ini dikumpulkan secara kelompok menerusi penggemblengan modal daripada individu ataupun syarikat ini, dilaburkan oleh pengurus dana dalam pelbagai sektor ekonomi termasuk bon dan instrumen pasaran kewangan lain yang tidak mudah bagi individu kecil untuk menyertainya.
Saham amanah ini berbeza daripada pelaburan dalam pasaran saham biasa kerana dengan kadar minimum RM500, individu boleh membuat pelaburan sedangkan jika mereka membuat pelaburan dalam pasaran saham biasa, individu berkenaan memerlukan modal yang agak besar bagi membeli saham di bursa saham.
Peluang pertumbuhan dalam saham amanah ini juga jauh lebih besar dengan purata pulangan antara 10 hingga 15 peratus setahun bergantung kepada jenis dana pelaburan dipilih. Jika disimpan dalam akaun simpanan biasa ataupun simpanan tetap pulangannya antara satu ke tiga peratus dan pulangan yang rendah ini mudah terhakis oleh kesan inflasi dan cukai.
Sebilangan jenis saham amanah, modal pelabur kekal terjamin yang terikat tempoh tertentu, manakala ada dana memberi pulangan berganda menerusi tiga cabang pulangan iaitu keuntungan atas modal, dividen dan juga bonus. Kelebihan dana amanah ini adalah ia mempunyai kecairan yang tinggi, yang mana pelaburan ini boleh dikeluarkan pada bila-bila masa diperlukan.
Keupayaan mengeluarkan duit dalam tempoh lima hingga 10 hari waktu bekerja ini penting berbanding pelaburan saham di pasaran saham yang mana pembeli perlu menunggu harga dikehendaki baru boleh dijual.
Pelaburan saham amanah ini memang ada caj pengurusannya iaitu antara 0 hingga 6.5 peratus, namun bagi 15 dana teratas tahun lalu daripada Jun 2006 hingga Jun 2007, mampu memberi pulangan lebih 50 peratus setahun (sumber Bloomberg). Yang menarik antara 15 dana teratas itu, sembilan adalah daripada CIMB Wealth Advisors Bhd.
Jika ingin membuat pelaburan, sebenarnya mana-mana institusi pengurusan dana mempunyai kelebihan dan kekuatan sendiri dengan setiap dana itu mempunyai objektif pelaburan berbeza. Apapun jangan mudah terpedaya dengan laungan retorik ‘terbaik’ kerana berdasarkan analisis pelaburan, seperti pasaran saham setiap dana itu ada zaman turun-naiknya sendiri. Pelaburan dalam saham amanah itu perlukan kesabaran dan bukan bermatlamat untuk mendapat untung cepat.
Penting bagi pelabur untuk memahami apakah itu saham amanah dan mekanisme saham amanah itu sendiri. Sebelum membuat sebarang pelaburan, dapatkan maklumat lanjut terlebih dulu daripada perunding saham amanah bertauliah selain perkhidmatan sampingan lain yang ditawarkan. Pastinya anda tidak mahu pelaburan anda itu menyukarkan ahli keluarga membuat tuntutan tanpa penama pewaris dalam pelaburan. Justeru, buat pilihan bijak!
***Artikel ini ditulis oleh Perunding Kewangan, Inspired Vision Agency, Kelana Jaya, Suraiya Mohd Nor.
P/S:- Suraiya adalah salah seorang perancang kewangan dari CIMB Wealth Advisors cawangan sama dengan saya.Di harap artikel ini dapat membantu anda utk memahami lebih lanjut apakah itu unit trust atau pun apakah itu dana amanah atau saham amanah.
BEKAS juara tinju dunia, Muhammad Ali pernah berkata: Mereka yang takut mengambil risiko, tidak akan menempa kejayaan dalam hidup. Sememangnya hidup ini penuh dengan risiko, namun tidak ramai yang mengetahui bahawa ada risiko boleh diurus!
Risiko yang boleh diurus antaranya adalah pelaburan dalam saham amanah. Sejak memulakan ruangan ini Ogos tahun lalu, banyak pertanyaan saya terima sama ada berbentuk pesanan ringkas ataupun e-emel bertanyakan apakah itu saham amanah. Ramai yang membuat andaian saham amanah itu hanyalah saham amanah yang diuruskan oleh Permodalan Nasional Berhad (PNB) seperti Amanah Saham Nasional (ASN) ataupun Amanah Saham Bumiputera (ASB). Tidak ramai yang mengetahui bahawa kebanyakan institusi perbankan di negara ini turut menawarkan saham amanah.
Saham amanah adalah antara alternatif pelaburan terbaik terutama apabila matlamat pelaburan adalah untuk kegunaan jangka masa sederhana (tiga ke lima tahun) dan jangka panjang (lebih lima tahun). Ini kerana saham amanah berisiko rendah yang diurus oleh pengurus dana professional, dikawal selia oleh Suruhanjaya Sekuriti dan badan pemegang amanah seperti Amanah Raya Berhad dan industri ini dipantau oleh Bank Negara Malaysia.
Risikonya menjadi tinggi apabila pelabur tidak mempunyai masa (kurang daripada tiga tahun) kerana secara umumnya kitaran pasaran saham (merudum dan meningkat) mengambil masa antara dua ke tiga tahun untuk pulih. Jika pelabur mempunyai tempoh berkenaan, pelaburan saham amanah ini tidak berisiko langsung!
Saham amanah bukanlah skim cepat kaya (yang diharamkan kerajaan), tetapi ia adalah satu pelaburan yang sah dari segi undang-undang dan mereka yang terbabit dalam bidang ini terutama perunding saham amanahnya perlu menduduki peperiksaan khas oleh badan induk industri ini, Federation of Malaysian Unit Trust Managers (FUMTM) sebelum boleh menawarkan perkhidmatan ini.
Dana amanah ini dikumpulkan secara kelompok menerusi penggemblengan modal daripada individu ataupun syarikat ini, dilaburkan oleh pengurus dana dalam pelbagai sektor ekonomi termasuk bon dan instrumen pasaran kewangan lain yang tidak mudah bagi individu kecil untuk menyertainya.
Saham amanah ini berbeza daripada pelaburan dalam pasaran saham biasa kerana dengan kadar minimum RM500, individu boleh membuat pelaburan sedangkan jika mereka membuat pelaburan dalam pasaran saham biasa, individu berkenaan memerlukan modal yang agak besar bagi membeli saham di bursa saham.
Peluang pertumbuhan dalam saham amanah ini juga jauh lebih besar dengan purata pulangan antara 10 hingga 15 peratus setahun bergantung kepada jenis dana pelaburan dipilih. Jika disimpan dalam akaun simpanan biasa ataupun simpanan tetap pulangannya antara satu ke tiga peratus dan pulangan yang rendah ini mudah terhakis oleh kesan inflasi dan cukai.
Sebilangan jenis saham amanah, modal pelabur kekal terjamin yang terikat tempoh tertentu, manakala ada dana memberi pulangan berganda menerusi tiga cabang pulangan iaitu keuntungan atas modal, dividen dan juga bonus. Kelebihan dana amanah ini adalah ia mempunyai kecairan yang tinggi, yang mana pelaburan ini boleh dikeluarkan pada bila-bila masa diperlukan.
Keupayaan mengeluarkan duit dalam tempoh lima hingga 10 hari waktu bekerja ini penting berbanding pelaburan saham di pasaran saham yang mana pembeli perlu menunggu harga dikehendaki baru boleh dijual.
Pelaburan saham amanah ini memang ada caj pengurusannya iaitu antara 0 hingga 6.5 peratus, namun bagi 15 dana teratas tahun lalu daripada Jun 2006 hingga Jun 2007, mampu memberi pulangan lebih 50 peratus setahun (sumber Bloomberg). Yang menarik antara 15 dana teratas itu, sembilan adalah daripada CIMB Wealth Advisors Bhd.
Jika ingin membuat pelaburan, sebenarnya mana-mana institusi pengurusan dana mempunyai kelebihan dan kekuatan sendiri dengan setiap dana itu mempunyai objektif pelaburan berbeza. Apapun jangan mudah terpedaya dengan laungan retorik ‘terbaik’ kerana berdasarkan analisis pelaburan, seperti pasaran saham setiap dana itu ada zaman turun-naiknya sendiri. Pelaburan dalam saham amanah itu perlukan kesabaran dan bukan bermatlamat untuk mendapat untung cepat.
Penting bagi pelabur untuk memahami apakah itu saham amanah dan mekanisme saham amanah itu sendiri. Sebelum membuat sebarang pelaburan, dapatkan maklumat lanjut terlebih dulu daripada perunding saham amanah bertauliah selain perkhidmatan sampingan lain yang ditawarkan. Pastinya anda tidak mahu pelaburan anda itu menyukarkan ahli keluarga membuat tuntutan tanpa penama pewaris dalam pelaburan. Justeru, buat pilihan bijak!
***Artikel ini ditulis oleh Perunding Kewangan, Inspired Vision Agency, Kelana Jaya, Suraiya Mohd Nor.
P/S:- Suraiya adalah salah seorang perancang kewangan dari CIMB Wealth Advisors cawangan sama dengan saya.Di harap artikel ini dapat membantu anda utk memahami lebih lanjut apakah itu unit trust atau pun apakah itu dana amanah atau saham amanah.
Your Role as a CIMB Wealth Advisor
1)To help clients analyse their financial situation, establish their investment goals and propose an investment plan to achieve their goals with CIMB Wealth Advisors's diverse range of products and services.
2)To advise clients in building a well diversified unit trust investment portfolio after considering their risk tolerance and time horizon.
3)To continuously monitor and rebalance clients’ portfolios to check on their investments' potential returns.
4)To build a trusted relationship with clients by providing ethical and professional advisory services.
5)To continuously upgrade skills and knowledge with the aspiration of being a ‘value-creating’ consultant.
2)To advise clients in building a well diversified unit trust investment portfolio after considering their risk tolerance and time horizon.
3)To continuously monitor and rebalance clients’ portfolios to check on their investments' potential returns.
4)To build a trusted relationship with clients by providing ethical and professional advisory services.
5)To continuously upgrade skills and knowledge with the aspiration of being a ‘value-creating’ consultant.
The Structure and the COMMISSION!!!
Hello...so this entry i'm gonna tell you about the ranking structure when you joining with CIMB Wealth Advisors.
The ranking structure and commission as follows:-
1)Unit Trust Consultant(UTC)-3%
2)Agency Supervisor(AS)-3.75%
3)Agency Manager(AM)-4%
4)Group Agency Manager(GAM)-4.25%
When you pass ur exam,we call u as a "new rising star" which is UTC.At CIMB Wealth Advisors,we're not just selling the products,but we also want to develop you as a leader.So you have to recruit new people under you in order to qualify to be AS,AM and GAM.
Let's talk about commission.Let say you are a UTC and you bring 100k cash sales,you gonna get RM100,000 x 3% = RM3000.
That is for UTC level,what if you are AS,AM or GAM???Of coz you get more commission right???If you have a downline under you,you will get an overiding commission and that is ur passive income!!!So that's why recruitment is very very important!!!
For more futher details about this,do contact me and I will tell you more about this.You may contact me through the Contact Us section at the right side of my blog.
See you at the next entry!!!
The ranking structure and commission as follows:-
1)Unit Trust Consultant(UTC)-3%
2)Agency Supervisor(AS)-3.75%
3)Agency Manager(AM)-4%
4)Group Agency Manager(GAM)-4.25%
When you pass ur exam,we call u as a "new rising star" which is UTC.At CIMB Wealth Advisors,we're not just selling the products,but we also want to develop you as a leader.So you have to recruit new people under you in order to qualify to be AS,AM and GAM.
Let's talk about commission.Let say you are a UTC and you bring 100k cash sales,you gonna get RM100,000 x 3% = RM3000.
That is for UTC level,what if you are AS,AM or GAM???Of coz you get more commission right???If you have a downline under you,you will get an overiding commission and that is ur passive income!!!So that's why recruitment is very very important!!!
For more futher details about this,do contact me and I will tell you more about this.You may contact me through the Contact Us section at the right side of my blog.
See you at the next entry!!!
Build a fulfilling and rewarding career with us!!!!!
"Unit Trust Consultants is to meet the increasing demand in financial service. Join to create, preserve and protect wealth in this industry today and enjoy the flexibility of building potentially unlimited income at your own time."
As a member of our leading team, you can expect the following benefits:
-Great Potential Income
-Car Loan Subsidy
-Annual Incentive Trip
-Agency Subsidy
-Intensive On-Ground Training and Support From The Best In the Industry
Qualification is simple, individuals who are above 21 years of age and possess SPM qualifications are welcome to JOIN!!!.
Document needed to be a part of CIMB Wealth Advisors:-
1-SPM Certificate(original-will return back to you)
2-Photocopy of CIMB Bank Account Statement
3-4 pieces passport size photographs
4-IC Photocopy
5-Exam Fees:RM260
To join us in CIMB Wealth Advisors,you have to take an exam in order to get the licese from Federation of Investment Managers Malaysia(FIMM).This is a profesionnal career so once you pass your exam,you will get ur ID and you can start to sell the unit trust investment from CIMB Wealth Advisors Berhad.
You may make this business as a Full Time or Part Time career for your whole life!!!
The exam can be taken all around Malaysia and dont worry,the exam is soooooo easy!!!So what you are waiting for??Contact me NOW!!!!!!!!
As a member of our leading team, you can expect the following benefits:
-Great Potential Income
-Car Loan Subsidy
-Annual Incentive Trip
-Agency Subsidy
-Intensive On-Ground Training and Support From The Best In the Industry
Qualification is simple, individuals who are above 21 years of age and possess SPM qualifications are welcome to JOIN!!!.
Document needed to be a part of CIMB Wealth Advisors:-
1-SPM Certificate(original-will return back to you)
2-Photocopy of CIMB Bank Account Statement
3-4 pieces passport size photographs
4-IC Photocopy
5-Exam Fees:RM260
To join us in CIMB Wealth Advisors,you have to take an exam in order to get the licese from Federation of Investment Managers Malaysia(FIMM).This is a profesionnal career so once you pass your exam,you will get ur ID and you can start to sell the unit trust investment from CIMB Wealth Advisors Berhad.
You may make this business as a Full Time or Part Time career for your whole life!!!
The exam can be taken all around Malaysia and dont worry,the exam is soooooo easy!!!So what you are waiting for??Contact me NOW!!!!!!!!
Monday, June 15, 2009
Total Financial Solution from CIMB Wealth Advisors
Hi everybody.Sorry for not updating this blog for sooooo long becoz of I forgot my user id to log in to update my blog!!!That was 10 times terrible than losing ur password right??Hihihi.Ok now,let’s start and focus what is CIMB Wealth Advisors is all about.
CIMB Wealth Advisors is a very2 professional career in sales and leadership field. CIMB Wealth Advisors provide a Total Financial Solution to our customer needs which consist 3 main core products at the moment:-
1)Wealth Creation(Unit Trust Investment)
2)Wealth Protection(Insurance-CIMB collaborate with AIA)
3)Wealth Distribution(Trust Nomination)
Unit Trust Investment is a medium to long term investment (3 years n above) which is the profit range 10-15% average per annum. Having said that, unit trust is a very2 secured investment becoz this investment is under Bank Negara and the profit can go higher than 10-15% per annum. There is no fix maturity time in unit trust investment.You may gain profit in just a month or maybe a week which is depands with the market situation.That’s why the role of CIMB Wealth Advisor is to monitor investment of the client.You may exit anytime of ur investment as long as you have achieved ur desired return.
For Wealth Protection which is Insurance,CIMB Wealth Advisors collaborate with AIA where we provide all kind of insurance plan for our clients.Insurance is a very2 important as a replacement income and also as ur income protection if u are admitted to the hospital.We have a life insurance, medical card as well as personal accident insurance.
For Wealth Distribution,we have a Trust Nomination to ensure ur investment is given to ur love ones.Let me give u more clear view about this product.When an investor invest in unit trust,or maybe put the money in saving/current account,fix deposit or maybe in ASB,ASN or whatever it is,once the investor passed away the money will be freeze at Amanah Raya Berhad.To get back the money from Amanah Raya Berhad is not that easy and it takes a long time and a even a years!!!This will be burden to ur loved ones right?So with this Trust Nomination service, we protect it from Amanah Raya Berhad and we will distributed the money within 30 days from the request date by nominee to exit the investment by the investor.
I think it’s enough for this entry.I’m gonna see you at the next entry!!!!!See ya!!!Do drop a comment if u have any suggestion or question.
Thank you.
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