Dividend May Be Lower This Year : EPF

KUALA LUMPUR (June 18, 2013): The Employees Provident Fund (EPF) has warned of the possibility of a lower dividend – the inflation rate plus 2% – this year, as it grapples with lower returns from government bonds which made up 55.2% of total investments in 2012.

Its CEO, Datuk Shahril Ridza Ridzuan, is, however, confident that it will be able to meet its inflation plus 2% dividend rate target "as long as inflation is under control".

The EPF announced a record dividend of 6.15%, or inflation plus 3.5%, for 2012, earlier this year. Returns from fixed income instruments exceeded 5.5% last year.

"We constantly need to reinvest money (in government bonds) that mature, and money that was previously invested (for the last 10 years) at higher rates of return (is being) reinvested for the next five to 10 years at much lower rates," Shahril told reporters after hosting newly-appointed Deputy Finance Minister Datuk Ahmad Maslan at its headquarters here yesterday.

"As an example, the Malaysian Government Securities (MGS) today for a 10-year paper, we are receiving (returns of) less than 4%, so you can imagine (what will happen) if we have too much of a concentration in fixed income ( investments)," he added.

The rest of EPF's funds are invested in equities (38.8%), money market instruments (3.6%) and real estate and infrastructure (2.4%).He said the pension fund is already seeing some of the impact of the lower returns in its numbers."As we continue to reinvest at lower rates of return for the same amount of risk that we are taking, we will see a lower rate of returns. So that's the biggest issue that we are grappling (with today)," Shahril said.

to read more,just go to the sun daily website or click http://www.thesundaily.my/news/744767

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Understanding Investment Thoroughly

Article nie aku jumpa dalam majalah Unit Trust Today Volume10 2012 yang memberi focus kepada investor..so,aku just share article nie untuk korang supaya korang dapat tambahkan lagi knowledge pasal investment unit trust nie..selamat membaca.. :)

Encik Ahmad has been investing in unit trust since year 2000. He has seen the markets up and down, made a few mistakes along the way. When he first started, he was influenced by his friends who had made money when they started investing end 1997 to 1999. They encouraged him, “Ahmad, look how much money we made, we sold at a profit and it is better than the banks’ fixed deposit rates. We are now going in again, for the second round of profits”.

Caught up with the excitement and euphoria of his friends gain, he quickly signed up with an agent who approached him at the shopping mall a few days ago. “Oh, Encik Ahmad, this is our latest equity fund, recently launched. If you invest with me during this launch period, the company is giving a bonus of extra 5% units of your original investment. Plus, if you look at all our previous funds, see how many awards we won for our funds’ performance!”

That day, Ahmad was happy, he had put in RM10,000 of his money which he took from his savings in fixed deposit which had matured. Expecting good returns, he waited for a year. The markets dropped and the gains did not come.He decided to wait another 6 months, the market fell a bit more. By then, he started to worry and called his friends.

“Alamak, Ahmad, we are caught too. The market doesn’t look good and we are thinking of selling off to cut losses.You may want to do that. Take your money first, than when the timing is right, we can go in again”.

Flustered, Ahmad called his agent to let him know of his intention to redeem his investment. His calls went unanswered. By then he panicked, thinking something may have gone wrong. He quickly went to the unit trust management company’s office to check on his account.The customer services personnel helped him check his investment and notified him that the value had dropped by 15% due to the drop in the share market. The agent servicing his account had resigned. Apparently the market drop had affected the agent’s income and he went back to employment. Ahmad’s case is now re-assigned to the resigned agent’s upline, Ann. The customer services personnel called Ann to inform her regarding Encik Ahmad’s case. Within minutes, Ann called Encik Ahmad’s handphone and made and appointment to see him the next day at his office.

The next day, Ann called at Encik Ahmad’s office. “Thank you for your time, Encik Ahmad. On behalf of my resigned team member, I apologize for the short break in contact with you. Customer services informed me of your concern with your investment which had dropped because of the share market. I appreciate your meeting with me before carrying out your decision to redeem”.

Encik Ahmad nodded in agreement and told her what had happened and now he wanted to redeem and get whatever he can back as his friends are doing so. It is such a bad experience for him. Ann agreed that it is natural for Encik Ahmad to feel fear as it is his first time in unit trust investment. She took out a prospectus and showed him how unit trust investment works. She then walked him through the proper process for unit trust investment in terms of investment goals, time horizon for investment and how they can work together. When she asked him whether he is comfortable with the process and would like her to carry on, he agreed.

She asked him what was his objective in investing, to which he replied to make more profits. She decided to delve a little deeper by asking him what he would do with the profits. Encik Ahmad gave a quick thought and said that since he is still single and intends to buy a house, this investment can be earmarked for it.

Understanding and identifying your investment goals

Ann very quickly helped Encik Ahmad to calculate how much he needed to buy his dream home and together they worked out how much he needs to save and the duration required to save.

Selecting the right investment portfolio

With the objective identified and worked out, Ann then went on to uncover Encik Ahmad’s ability to take risk using a Risk Profile Questionnaire. From there, she was able to determine a suitable portfolio which consisted of various unit trust funds with different asset classes to build the portfolio. She even showed him how the percentage of different asset classes of unit trust funds he should have in his portfolio and how she would help him to systematically re-balance his portfolio when the share market changes. She explained that portfolio management is a systematic way of taking profits and averaging down cost of his various unit trust funds.

Encik Ahmad felt better with what Ann has done for him,but he still had concerns over his current loss. Ann then went on to patiently explain to him that she will help him to switch at no extra cost, his current investment, to the suitable portfolio and over time, he will recover his loss and go on to make gains.She even showed him case studies of similar situations,to help him understand about unit trust investment. She explained the power of ringgit-cost-averaging, combined with the strategy of building a portfolio to mitigate short-term risks and focus on longer term gains to achieve his financial goals. Encik Ahmad and Ann then discussed the level of service he would need and how often they would meet to review his investment portfolio. By then, Encik Ahmad felt more confident in his investments and arranged with Ann to meet up next week to start his regular savings so that he can have that dream house of his.

Know your rights and responsibilities

Ann praised Encik Ahmad for taking the initiative to contact the unit trust company when he was unable to contact his previous agent. She explained to him that as an investor, he should always issue a cheque or bankers cheque in favor of Unit Trusts Management Company and avoid giving cash or banking money into the agent’s account. This is to ensure his money is invested in the unit trust funds instead of going astray. She also clarified that he should get a confirmation advice from the company within a week of his investment and in the meantime, the agent should let him have a copy of his application form duly stamp received by the respective unit trust company.

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How to be an informed investor

Encik Ahmad asked Ann how he can know more about the funds he has invested in and whether the agent he is dealing with is genuine. Ann then referred to the Master Prospectus again and showed him pages where there is a summary of the funds and flipped to the respective pages which had full description of each fund  and investment strategies. She also informed him of the interim report and annual report on the funds he has invested in, which will be sent to him either in the form of a booklet or CD and he can always call her for clarification in any areas of the review. Encik Ahmad wanted to know how to find out the value of his investments without having to keep calling Ann. Ann took out the newspaper and turned to the unit trust quotation page, then took Ahmad’s ledger and showed him how to calculate the number of units against the latest price to determine the value of his investments. She also reminded him that his investment is for a longer term, so he need not check it frequently as she will be calling on him for their agreed review intervals.

She also informed him that he can always check whether a unit trust agent is registered through Federation of Investment Managers Malaysia (FIMM) website and also if he is working with a financial planner, then he can check with the Securities Commission of Malaysia whether the financial planner is certified. Also, planners and agents do carry their authorization card, so he can always request to view them if need be.She showed him her FIMM authorization card so that he knows what it looks like.

Ann then checked with Encik Ahmad whether there is anymore clarification he needed and set the appointment for the following week to get his regular savings plan started. “Thank you so much for your time, Encik Ahmad, when we meet up next week to do your regular savings, we should discuss about how to protect your regular savings plan. I will share some ideas with you, is that alright?”

Shaking Ann’s hand, Encik Ahmad replied “Sure Ann. I am glad I met up with you. I feel very relieved and have a better idea about my investment now. I will be sure to call you if anything about investment comes to my mind. Appreciate your help and yes, we shall meet again next week. Let me talk to my group of friends and see if they will meet up with you. I think they can do with your advice. I only hope they have not sold all their unit trust investments yet”.

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Panduan Melabur Dalam Unit Amanah

Apa Itu Unit Amanah?
Unit amanah merupakan salah satu produk pelaburan yang popular dalam kalangan pelabur. Ini dapat dibuktikan dengan adanya 40 buah syarikat pengurusan unit amanah di Malaysia dan 602 dana unit amanah dalam pasaran. Ini bukanlah suatu yang menghairankan kerana unit amanah merupakan salah satu cara untuk pelabur yang mempunyai modal minimum untuk melabur dan mempelbagaikan pelaburan mereka.
Tetapi, apakah itu unit amanah? Unit amanah merupakan skim pelaburan yang mengumpulkan wang daripada ramai pelabur yang berkongsi matlamat kewangan yang sama. Sebagai pertukaran kepada wang itu, dana menerbitkan unit kepada pelabur yang dikenali sebagai pemegang unit. Pemegang unit boleh menjual semula (iaitu menebus) unit mereka kepada dana, atau membeli (dan menjual) unit seterusnya.

Pengurusan Dana
Dana diurus oleh sekumpulan pengurus profesional (dikenali sebagai syarikat pengurusan unit amanah) yang akan melabur wang yang terkumpul dalam portfolio sekuriti seperti saham, bon dan instrumen pasaran wang atau sekuriti-sekuriti lain yang dibenarkan untuk mencapai objektif dana.

Pendapatan
Dana unit amanah memperoleh pendapatan daripada pelbagai pelaburan dalam bentuk dividen, pendapatan faedah dan perolehan modal. Pendapatan ini kemudian diagihkan kepada pemegang saham mengikut nisbah pegangan unit mereka, dalam bentuk dividen atau unit bonus.


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Perlindungan Untuk Pemegang Unit
Sebagai pemegang unit, perlindungan anda dalam unit amanah dipastikan melalui cara unit amanah itu dibentuk. Unit amanah sebenarnya satu amanah. Perlindungannya terkandung dalam surat ikatan yang menyatakan kewajipan, tanggungjawab dan jangkaan tiga pihak dalam unit amanah iaitu:

Ada beberapa sumber maklumat yang perlu anda kaji apabila memilih dana. Sumber tersebut ialah prospektus dana, surat ikatan amanah dan penyata kewangan yang mengandungi laporan tahunan dan interim yang boleh didapati secara percuma untuk semakan di premis pengurus dana.

Baca Prospektus

Prospektus merupakan dokumen yang amat penting kerana ia mengandungi matlamat dana, strategi pelaburan dan polisi serta pulangan dan risiko yang diambil. Ia mungkin bahan bacaan yang agak sukar difahami, tetapi anda perlu membaca dengan teliti untuk memastikan bahawa matlamat pelaburan anda sama dengan dana tersebut.

Kesimpulan

Sebagai pelabur, anda perlu mempertimbang faktor berikut ketika memilih dana:

• Objektif pelaburan – pastikan objektif dana dan matlamat pelaburan anda adalah selaras;

• Polisi pelaburan - jenis pelaburan dan strategi yang dibenarkan perlulah selari dengan matlamat dan  toleransi risiko anda;

• Saiz dana dan aliran pertumbuhan;

• Sebarang sekatan pelaburan, seperti pelaburan minimum yang diperlukan;

• Tahap risiko pelaburannya - unit amanah tidak terlepas daripada risiko sepenuhnya;

• Jenis dan jumlah yuran;

• Prestasi lepas jumlah pulangan tahunan, NAV (nilai aset bersih, iaitu nilai bagi setiap unit), nisbah belanja  dan terutama pembahagian pendapatan kepada pelabur, dan pertumbuhan aset - supaya anda boleh mengukur prestasi dana selama ini;

• Portfolio pelaburan terkini - supaya anda tahu peratusan pegangan bagi setiap jenis aset; dan 

• Maklumat berkenaan Lembaga Pengarah dan kumpulan pengurusan utama.

**Article ini diambil dari majalah Ringgit edisi November 2012.Majalah Ringgit merupakan penerbitan usahasama antara Bank Negara Malaysia dan FOMCA.**

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Adakah Simpanan KWSP Mencukupi Untuk Persaraan?

Simpanan Kumpulan Wang Simpanan Pekerja (KWSP) merupakan tabungan dengan elemen pelaburan untuk persaraan. Caruman ini telah ditetapkan oleh undang-undang dan perlu dibuat pada setiap bulan oleh majikan. Setiap bulan 11% daripada pendapatan bulanan anda perlu dicarumkan ke dalam akaun KWSP anda. Persoalannya, adakah simpanan KWSP anda mencukupi untuk menampung keperluan anda ketika persaraan kelak? Berpandukan kepada jadual perbelanjaan asas, diterangkan cara bagaimana untuk  membolehkan anda merancang persaraan dengan menggunakan kalkulator pengiraan persaraan. Anda boleh merujuk laman sesawang www.fomca.org.my/ kewangan untuk keterangan lanjut.

Berdasarkan jadual pengiraan persaraan ilustrasi di sebelah, anda perlu mencapai matlamat simpanan persaraan anda sebanyak RM1,173,280 sebelum mencapai umur persaraan. Ini bermakna, anda hanya mempunyai 25 tahun untuk membuat persediaan persaraan. Dengan mengambil kira kadar inflasi sebanyak 3.6% (anggaran) pada masa sekarang, anda memerlukan komitmen sebanyak RM2,025 sebulan dan RM24,300 setahun. Dalam tempoh 25 tahun dan kadar inflasi yang meningkat, anda memerlukan komitmen sebanyak RM4,888 sebulan dan RM58,664 setahun.

Adakah simpanan anda mencukupi untuk menampung baki usia anda sehingga berumur 75 tahun lagi? Jangka hayat rakyat Malaysia bagi lelaki dijangkakan berumur 75 tahun dan 78 tahun bagi wanita.

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Perbelanjaan Asas
(tidak termasuk pembayaran pinjaman kerana semua pembayaran pinjaman mesti dilangsaikan sebelum anda bersara)

Nota: Jadual pengiraan di atas adalah untuk tujuan ilustrasi sahaja. Keperluan anda mungkin berbeza daripada jadual di atas.Anda dicadangkan untuk berhubung dengan Perunding Kewangan anda sebelum membuat keputusan dalam kewangan.

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Mengapa pentingnya membuat simpanan dari awal?
Berdasarkan jadual di bawah, anda perlu membuat simpanan pada awal usia 20 tahun.

Simpanan bulanan ini dapat dikurangkan jika anda menyimpan pada usia yang lebih muda, berbanding sekiranya anda mula membuat simpanan pada usia 30 tahun, yang memerlukan anda menyimpan lebih banyak untuk mencapai matlamat persaraan yang sama. Masa adalah nilai untuk wang. Bagi mendisiplinkan  diri dengan membuat simpanan, anda perlu memastikan untuk sentiasa membuat simpanan sekurang-kurangnya 10% daripada pendapatan bulanan anda. Ingat! semua orang memerlukan jumlah wang yang besar untuk bersara dengan selesa.

Terdapat dua elemen utama yang memberi kesan terhadap dana persaraan anda, iaitu Kadar Faedah dan Kadar Inflasi. Kedua-dua elemen ini tidak dapat dikawal oleh anda. Oleh itu, sentiasa pastikan anda mempunyai simpanan bulanan secara tetap sebagai persediaan persaraan anda.

**article ini diambil dari Majalah Ringgit keluaran October 2012**

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Unit trust industry set for double-digit growth | theSundaily

This is the latest info about unit trust..

Unit trust industry set for double-digit growth

KUALA LUMPUR (June 3, 2013): Malaysia's unit trust industry is expected to grow by double digits this year, in line with the stock market's bullish performance and, to a certain extent, the uptake of Private Retirement Schemes (PRS).

"Yes, we expect growth in the unit trust industry this year because the equity market is doing well. The growth in the unit trust industry is in tandem with the performance of the equity market," Federation of Investment Managers Malaysia (FIMM) CEO Ahmad Zakie Ahmad Shariff told SunBizrecently.

The benchmark FTSE Bursa Malaysia KLCI (FBM KLCI) has been on a post-election rally and has gained 6.8% to date. Analysts are bullish on the performance of the stock market, with many predicting the FBM KLCI to surpass 1,700 points by the end of this year.

Zakie does not expect PRS, which saw the first product launch in October 2012, to be a major contributor to growth this year due to the scheme's voluntary element.

"The PRS is voluntary in nature and its contribution is dependant on disposable income. The more disposable income you have, chances are you would contribute more but if the disposable income is not that much then you have a problem," he said.

He also mentioned that the PRS would have to "compete" with other investment products such as real estate and precious metals, namely, gold. "These are the challenges that the industry has to face," he said. 

In 2012, Zakie said, the local equity market performed well with the FBM KLCI increasing by 10.3% and closing at an all-time high at the end of the year.

To read more,just click the link below....
Unit trust industry set for double-digit growth | theSundaily

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Iftar Bersama Kengkawan

Dah lebih 2 bulan aku tak menulih kat blog nie..haha..dah bersawang la plak rasanya..Bukan apa,saja malas nak menconteng kat sini..lagipun,takde idea nak tulih apa..haha..sorry yek reader..:P

Semalam, 16 ogos 2012..aku pegi berbuka puasa dekat hotel..Layan Buffet kat Sunway Palace hotel kat KL..Iftar bersama kengkawan skolah..huhu..tak pernah aku berbuka kat hotel sebelum ni..tu kira first time jugak la..kekok skit..tak taw protocol kat situ..haha..al maklum lah,budak kampung la katakan..Lebih kurang 6 orang kengkawan yang datang..ada yang lebih 5 tahun tak jumpa..Semua datang dengan anak n bini memasing..aku sorang jew yang single..segan pun ada..haha..Kalo tahun depan pun aku tak kawin lagi,tak pegi la kot kalo diorang buat event tu lagi..huhu..segan-segan..

                                        amik gambar beramai-ramai after event..

                                             sesi berborak lepas berbuka..

                                          macam-macam gosip yang kuar..haha

                                          sambung bergosip kat table makan..


Menu kat situ menarik jugak..ada kambing panggang,sup kambing,briyani and macam-macam lagi la..pening jugak aku nak amik mana..sume aku rembat je..dah bayar mahal,rugi plak kalo tak rasa semua..haha..lagi pun bukan selalu nak merasa macam tu..setahun sekali jew..itupun kalo ada yang organize..haha..

                                          kambing panggang..haha


Hari ahad ni mungkin dah raya..so,di kesempatan ini aku mengucapkan selamat hari raya aidilfitri kepada semua...maaf zahir batin kalo ada salah silap sepanjang perkenalan atau penulisan di blog ni..Semoga semuanya berbahagia di samping keluarga..kepada yang balik kampung tu,berhati-hati di jalanraya..bebanyak la bersaba kalo jalan tu jammed..haha..:)

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What is Ringgit Cost Averaging?

Hari nie aku nak share info tentang RCA atau Ringgit Cost Averaging (kalo kat tempat omputih,dorang sebut sebagai DCA or Dollar Cost Averaging)..Info ni aku amik dari website sebuah syarikat pelaburan yang terdapat di malaysia..Just Copy and paste..haha..sebab kat situ,dia dah explain semua..So, selamat membaca..

Introduction:

“If I have noticed anything over these 60 years on Wall Street, it is that people do not succeed in forecasting what’s going to happen in the stock market.”
– Benjamin Graham, author of “The Intelligent Investor”

Investing would be so simple if only one could predict when is the best time to buy or sell. However, timing the market is impossible and many have made huge losses due to trying and consequently failing. One of the ways to ride out the ups and downs of the constant volatility of the stock market is to use ringgit cost averaging. This method ensures we benefit from the historical strong returns shown in the long run and hedges the effects of retracement and slight downtrend in the short term.



Ringgit cost averaging is an investment technique intended to reduce exposure to risk associated with making a single large purchase by investing a fixed amount on a particular investment (such as unit trusts) at regular intervals (either monthly or quarterly), regardless of the unit price. For example, you can choose to transfer RM500 to RM1,000 from your paycheck to a unit trust fund or you can even make a RM1,500 or RM3,000 investment every quarter. The amount and frequency of your investments depend on your financial means and future goals.

How Dollar Cost Averaging Works
“Save little save often – dollar (ringgit) cost averaging works, if you stick to it.”
– Paul Clitheroe, “Ten Key Steps to Wealth”, 2002.

To illustrate dollar cost averaging better, let’s say you want to save RM12,000 each year for your child’s education fund. Instead of investing it in a lump sum and bear the risk of entering when the market is high, you decided to invest RM1,000 into a unit trust fund each month as shown in the chart:



Results
Average Cost Per Unit RM0.1923
Unit Price as at December RM0.2510
Value of Investment as at December RM15,664.48
In this example, by using the method of ringgit cost averaging, the average cost per unit invested was only RM0.1923, instead of RM0.2549 if the investor has invested a lump sum in January.


A Long-term Investment Strategy
“Discipline is the key to success for the long-term investor. He or she must not fall into the trap of managing holdings by newspaper headlines, sound bites, mindless predictions, gut feelings or the last time period results.”
– Frank Armstrong, author of “The Informed Investor.”

Regardless of the amount of money invested, dollar cost averaging is a long-term strategy. While the financial markets tend to fluctuate, they often move in the same direction over fairly long periods of time. Bear markets and bull markets can last for months, and sometimes even years. Because of these trends, dollar cost averaging may not be as effective if only applied for the short-term.

For example, an investor might choose to make 10 purchases of a unit trust fund within one month. Although it is highly unlikely that the purchase price of the units will be the same for each transaction over such a short time frame, there will not be a significant difference as well.

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However, over the course of a longer market cycle, you would probably go through a bull market and a bear market, with the price of a given security changing considerably. Dollar cost averaging will help ensure that your average cost per units represents both the premiums of a bull market and the discounts of a bear market, as opposed to just the premiums usually paid by investors in a bull market.


Tips to Get you Started
“Those who put an investment programme in place will have a lot more money
when they come to retire than those who never get around to it.”
- Australian financial author Noel Whittaker.

Many unit trust funds allow you to begin investing with a minimal amount with the option to make further contributions through regular deductions from your paycheck or bank account.If you’re interested in dollar cost averaging, here are a few tips to help you put this strategy to work for you:

•  Get started as soon as possible. The longer you have to ride the ups and downs of the market, the more opportunity you have to build a sizable account over time.
•  Stick with it. Dollar cost averaging is a long-term strategy. Make sure that you have the financial resources and discipline to invest continuously through all types of markets, regardless of price fluctuations.
• Take advantage of automatic deductions. Having your investment contributions deducted from your paycheck or bank account is an easy and convenient method to invest, and can help you get into the habit of investing regularly.
•  Be prepared for losses. Dollar cost averaging does not guarantee that there will always be profits and no losses in your portfolio. Even though you paid a lower average cost than the average price of the units, you could still lose money if you choose the wrong time to exit the market, particularly when prices are low.

Building wealth by investing in unit trusts is more a matter of patience and persistence than of investment skill and luck. The major decision that must be made is whether or not you are willing to forego immediate gratification to achieve your long-term financial goals. If you are, then dollar cost averaging can be a very effective way to help you get there.

So,aku harap article diatas dapat menambahkan knowledge korang pasal pelaburan atau bahasa omputihnya,investment..

Register 2012,Dapat Tahun 2049

Last monday, 28 may 2012,aku pegi tabung haji..nak register untuk pegi haji..saja pegi register awal,boleh menyimpan bila kita dah taw tahun yang kita nak pegi tu..Kalo korang nak register,ada 2 cara...sama ada korang buka akaun dengan tabung haji (modal rm2 jew untuk buka akaun) dan ada simpanan tunai rm 1300 dalam akaun tu,dah boleh mendaftar..lagi satu cara,korang register ikut epf..dengan syarat,kena ada rm1300 dalam akaun 1 epf korang..then, print out latest epf statement tu,bawak pegi tabung haji..nanti diorang registerkan untuk korang..Cara tu yang aku buat masa pegi daftar haji haritu..haha








Masa no.giliran aku sampai,aku pegi la kat kaunter tu..yang jaga kaunter tu,pakcik yang berumur dalam 50-an la aku rasa..gelak besar dier bila tengok tahun yang aku dapat tu..tahun 2049..giler la..lagi 37 tahun baru samapai turn aku..aku kira umur aku time tu..dalam 68 tahun..haha...ntah hidup lagi aku tahun tu pun aku tak berapa nak sure sangat..ntah-ntah dah padam kot..haha..Cuba korang lak pegi register kat Tabung haji..tgk tahun berapa korang dapat..haha..


Aku tanya pakcik tu macam mana nak pegi cepat..dia cakap ikut pakej..yang harga rm 22 ribu ke atas..huhu..mana nak cari..nak tunggu turn aku tu..lama la pulak..Tapi aku ada cara macam mana untuk pegi awal..bagaimana?buat simpanan dalam unit trust selama 15 tahun...pastu duit korang cukup untuk pegi haji melalui pakej (bukan pegi sorang but pegi berdua)...untuk info lanjut,korang boleh contact aku,Nazri 017-377 6235, atau melalui email, kelisa_cooper@yahoo.com..dan aku akan terangkan dengan lebih lanjut..

Pengalaman Pertama Buka Booth

Hari isnin hari tu aku dengan member aku buka booth kat sebuah kilang di senawang...Kitaorang start pagi sampai pukul 3...Member aku tu dah banyak kali join booth tapi bagi aku plak,nie baru first time...Segan jugak mula-mula tu...Tak Pernah buat la katakan...haha..

Masa edar brochure kat pekerja kilang tu,aku still segan-segan lagi..tak pandai nak communicate sangat dengan strangers nie..almaklumlah,aku seorang yang pendiam sebelum nie..tak pernah terlibat dalam aktiviti macam nie..respond yang kitorang dapat kira ok la..ramai yang ambik brochure dan tanya pasal investment tu..mungkin diorang nak pikir dulu lepas tu,nak buat ke tak..tak kisah la..janji kitaorang dah spread brochure unit trust tu..kurang-kurang diorang dapat jugak knowledge pasal investment kan?





Hari rabu,aku pegi repeat sorang kat kilang tu balik..tak leh nak pegi hari selasa pasal aku kena pegi bangsar..haha..aku buka booth kat kilang tu dari pagi sampai petang..sebab brochure dah bagi ari isnin,so, aku just wait je..tengok respond diorang..ramai yang datang balik tanya macammana nak buat..so,aku explain la kat diorang..lepas buat calculation,sumea yang berminat tu tak layak nak buat investment melalui skim epf..simpanan dalam akaun 1 epf diorang kurang dari simpanan asas yang KWSP tetapkan...aku tanya jugak seorang kakak tu yang keje dekat 10 tahun kat kilang tu..nape bleh jadi macam nie..die cakap,gaji kat kilang tu kecik.. basic dalam rm500 jew..walaupun goverment dah naikkan basic salary to rm900..diorang still dapat rm500 lagi coz kenaikan tu amik masa..sian jugak aku tengok nasib pekerja kat kilang tu..

Level assistant manager and above,diorang semua dah buat investment dengan bekas worker kat situ yang jadi consultant..haha..kalo tak,dah aku suggest suh buat investment dengan aku..walaupun takde yang buat investment sepanjang 2 hari aku kat kilang tu, sekurang-kurangnya dengan kehadiran aku ngan member aku kat situ,pekerja kilang tu dapat la jugak knowledge pasal investment unit trust ni..mungkin sekarang mereka tak buat,in future,sapa taw..

Besok,aku join kawan aku pulak..buat booth kat perhimpunan jutaan belia di putrajaya..booth kitorang berhadapan dengan kementerian kewangan..kalo ada yang ke sana...boleh la kita jumpa ye..aku ada hari jumaat dengan sabtu..boleh share knowledge pasal investment or blog..lagi satu,kalo korang berminat dengan iklan nuffnang tu..jangan malu-malu untuk klik yew..boleh gak bagi aku bonus..haha

My first Bonus Earning From Nuffnang!!

Dah dekat 3 bulan gak aku tulih blog nie..tak pernah pun dapat bonus earnings dari nuffnang..subuh nie,saje la gatal tangan check kat icon earnings tu..selalu zero jek...pagi ni dah ada 0.25 sen..haha..dapat jugak akhirnya..nilai yang dapat tu memang la sikit tapi kepuasan dia,tak ternilai harganya..haha..kena wat post banyak-banyak lepas nie..bagi banyak sikit traffic ke blog aku...mana taw dapat lagi bonus tu..haha..thanks nuffnang..










Kat sini aku upload bonus yang aku dapat..

Teh Tarik Session

Dah lama aku tak gi melepak kat kedai mamak time malam.Setahun lebih ada kot.Selalu time malam aku duk kat rumah jew..layan internet..Hari pecah rekod sebab kawan skolah aku ajak.Jumpa kengkawan lama katanya.So,aku pun ikut la dia pegi jumpa bebudak nie kat Pelita Nasir Kandar Jalan Ampang.Jumpa kengkawan sekolah yang dah hampir lebih 10 tahun tak berjumpa dengan diorang.Dekat 7 orang gak yang ada tadi.Haha..Sume dah kawen,yang bakal nak kawen pun ada..tinggal la aku sorang yang membujang lagi..siot tul..haha.. Banyak gak news pasal kengkawan lama yang aku dapat.Yang dh jadi manager pun ada but most of them sekarang keje dengan company oil and gas.Masyuk gak memasing,sampai ada yang dah nak berhijrah..nak duk kat middle east...yang dah duk sana pun ada..tak sangka gak aku..haha..Tapi, walaupun memasing dah berjaya sekarang,diorang still lagi macam dulu..tak membezakan kengkawan walaupun sekarang diorang dah berjaya..yang dah gaji 5 angka sebulan pun ada..haha...tapi bagus jugak..korang bagi aku semangat nak berjaya jugak macam korang...kalau korang boleh,xkan aku x boleh plak ..kan?

Investment Melalui ACC 1 EPF?

Ramai diantara kita yang mempunyai KWSP..tetapi tak ramai yang tahu kenapa KWSP pisahkan simpanan tersebut kepada 2 akaun iaitu akaun 1 dan akaun 2.Akaun 1 bertujuan untuk KWSP membantu pencarum membuat persediaan menghadapi persaraan supaya para pekerja mempunyai sejumlah wang simpanan apabila mereka bersara kelak dan hanya boleh dikeluarkan apabila mereka bersara iaitu ketika beumur 55 tahun.Manakala akaun 2 pula adalah untuk membantu pekerja membuat persediaan menghadapi tempoh persaraan mereka.Pengeluaran akaun 2 dibenarkan untuk beberapa tujuan seperti pembiayaan rumah,pendidikan,perubatan dan ketika berumur 50 tahun.70% dari caruman pekerja setiap bulan akan di salurkan ke akaun 1 manakala baki 30% akan di salurkan ke akaun 2.

Tetapi berapa ramai yang tahu bahawa kita boleh membuat pelaburan melalui akaun 1 EPF.Mengikut Info yang  di paparkan di website KWSP,simpanan di akaun 1 bertujuan untuk kegunaan selepas persaraan dan PELABURAN sahaja.Dan pencarum dibenarkan untuk mengeluarkan simpanan akaun 1 mereka untuk tujuan pelaburan.Kenapa KWSP hanya benarkan pengeluaran akaun1 hanya untuk pelaburan sahaja..?Kerana KWSP mengetahui bahawa jumlah simpanan akaun 1 itu hanya cukup untuk menampung kos sara hidup bagi tempoh beberapa tahun sahaja.

Katakan lah anda mempunyai RM 200 ribu didalam akaun 1 anda ketika berumur 55 tahun.Jangka hayat purata rakyat malaysia ialah 75 tahun bagi lelaki manakala 78 tahun bagi wanita.Sekira anda lelaki,bermakna anda ada tempoh 20 tahun selepas persaraan anda.Jika RM200 ribu dibahagikan dengan 20 tahun bermakna anda hanya ada RM10 ribu setahun atau RM833 sebulan.Adakah jumlah ini mencukupi bagi anda?Jika ada RM833 sebulan pun sudah dianggap sebagai golongan miskin sekarang,dengan kadar inflasi yang tidak menentu serta harga barangan yang semakin meningkat,dalam golongan mana pula kita berada dalam 20 ke 30 tahun akan datang?Itu sebabnya kita lihat ramai yang bekerja semula selepas bersara bagi menampung kos sara hidup mereka.

Namun perkara ini dapat dielakkan sekiranya kita membuat persediaan dari awal.Dengan membuat pelaburan di usia muda,kita akan dapat membesarkan dan menambahkan jumlah akaun 1 EPF kita itu.Bukan semua jumlah dalam akaun 1 yang boleh di laburkan, sebaliknya hanya 20% dari baki yang tinggal selepas ditolak simpanan asas yang telah ditetapkan oleh KWSP.Berikut adalah jadual simpanan asas yang dikeluarkan oleh KWSP :

Contoh kiraan :

Sekiranya anda berumur 30 tahun dan mempunyai RM35 ribu dalam akaun 1,jumlah yang dibenarkan untuk membuat pelaburan ialah

Jumlah simpanan dalam Acc 1                                          35000
Simpanan Asas                                                                 -18000
Baki                                                                                     17000

Jumlah Pelaburan       (20% X 17000)                                3400

 Jadi,jumlah pelaburan yang dibenarkan ialah RM3400.00.Pelaburan boleh dibuat setiap 3 bulan bagi memaksimakan potential profit yang bakal dinikmati oleh pencarum.Dengan total profit secara purata 10% ke 15% setahun,sekali ganda dari apa yang diberi oleh EPF,pencarum boleh membesarkan lagi simpanan akaun 1 mereka.Pencarum akan memperoleh 2 keuntungan (berbanding 1 keuntungan dari KWSP sekiranya mereka tidak membuat pelaburan) iaitu 10% ke 15% melalui pelaburan dan 5% ke 6% melalui simpanan di KWSP.Bayangkan berapa profit yang anda akan dapat sekiranya anda bermula sekarang?

Pelaburan melalui akaun 1 EPF ini tidak memerlukan transaksi tunai sebaliknya ia akan diuruskan antara pihak KWSP dengan pihak Bank setelah mendapat persetujuan dari pencarum.Penjualan semula pelaburan pencarum akan dimasukkan kembali ke dalam akaun 1 mereka.Dengan bermula awal,pencarum mempunyai potensi yang tinggi untuk membesar serta menambahkan jumlah simpanan akaun 1 mereka.

Jadi,terpulang kepada anda bagaimana untuk merancang kewangan anda samaada hendak membiarkan sahaja simpanan anda dalam akaun 1 atau melaburkannya.Sekiranya anda ada persoalan atau kemusykilan,anda boleh menghubungi saya samaada melalui handphone atau email,dan saya akan membantu anda menjawab persoalan tersebut serta membantu anda dalam merancang pelan kewangan anda..

From 50 to 5000...

Lama jugak aku tak menulis kt blog nie..dekat 3 minggu jugak rasanya..huhu..maklum lah sibuk skit dgn nk cr listing,nk attend class,nk wat cold calling...byk gak cabaran yg aku kena since last 2 weeks..penat pun ada..nak-nak plak xde sales..lagi la penat rasanya..

Last monday,aku ada attend class kt istana boss..class about how to make cold calling...presenter,boss sama otai Rudy..dh la masa pegi pagi tu,aku sesat kt area bukit belacan...nk g taman melawati tapi aku kuar kat simpang ampang point..setengah jam gak la aku dok pusing kt situ nak cari jalan kluar..last-last, dpt jugak cr istana boss tu..(terpaksa mintak bantuan otai rudy,kalo x reply sms aku time tu,maw gak aku balik..huhu)..



Sampai kt istana boss at kemensah riverview tu (aku agak la nama tempat dia tu)..class dh pun start,aku lambat 10 minit..kira terlepas some tips from boss..After few minutes boss mengajar kt depan (maklumlah,bekas lecturer kt mana ntah,aku pun xtaw)..dia dh start tanya soalan...aku lak yang 1st kena tu..boss tanya, "nazri,listing kamu ada berapa?".. so, dgn confidentnya aku jawab.. "50 boss.." ingatkan dh banyak la tu..rupanya sikit..siap kena cop fail lagi aku dgn boss..adeh..dia nak aku tambah lagi..paling kurang pun 3000 list..pastu siap up lagi 2000..jadi total 5000 list...kena cari dalam minggu nie..

Reason dia..aku kena buat 100 call setiap hari..kalo setakat ada 50..apa barang..pastu besok dh tak taw nak call saper lagi..kata boss..huhu..nak tak nak kena buat jugak la..kalo tak kang kena lagi dengan boss..lagi pun aku paham gak kenapa kena cari banyak list..lagi banyak list yang aku ada,lagi tinggi peluang untuk dapat client..byk sikit income..kalo sikit,alamatnyer,hujung bulan tak berasap la dapur aku..Banyak gak la aku belajar aritu..walaupun ada makan dalam skit,tapi berbaloi la..So,aku accept la challenge boss tu..upkan listing dr 50 ke 5000 by this week...lepas ke tak,aku tak pasti..janji aku cuba dulu..haha..hopefully..aku lepas setengah dari target dia tu pun ok la..haha..terpaksa kerja keras demi untuk berjaya macam diorang...first target aku,beat sales otai rudy by next month..haha

My Dream Car

Kalau sesape yang tengok video gold setting tu,aku ada cakap pasal kereta yang aku impikan tu kan..Chevrolet Camaro nama kete tu..masa tu aku main cakap jew sebab boss dah tanya..nak kata BMW,aku tak minat..dah ramai yang pakai kete tu..Kalo Mercs,pun dah ramai yang pakai...so,aku teringat kete tu coz aku pernah amik pic kete tu masa gi universal studio kat singapore feb aritu.. So, tadi sambil aku wat cold calling kat public mutual shah alam,aku try la surf tenet..nak cari info pasal kete tu..maklumlah,kete jenis rare..tak banyak kat malaysia..kalo x silap tahun lepas,5 unit je yang ada on the road..salah sorang owner kete tu yang aku tahu ialah Sultan Johor(masa dia beli,dia still lagi TMJ)..haha..kalo aku pakai nanti,dah macam diorang plak jadinya...kena ada banyak duit baru leh pakai..haha.. Kat bawah ni,aku upload some pic from chevrolet camaro tu..cuma harge je tak leh tahan,rm488,888.00...tak termasuk road tax and insurances..haha

power siot engine dier..3.6-liter V6 tu..produce an uprated 323 horsepower (up 11 horsepower) and 278 lb-ft of torque..

                                                        interrior dlam kete nih..

comelnyer spedometer dier...;)

Car Specifications:

Drivetrain	Rear Wheel Drive
Curb Weight (lbs)	3780
City (MPG)	17
Hwy (MPG)	28
Horsepower	323@6800
Torque (lb-ft)	278@4800
Wheelbase	112.3
Length (in.)	190.4
Width (in.)	75.5
Height (in.)	54.2