Shall you require information about unit trust Syariah Based Fund, email me at: norrazi.publicmutual@gmail.com or contact me at 019 325 6161 for appointment

Public Mutual is The Best Fund Manager in Asia

Shall you require information about unit trust Syariah Based Fund, email me at: norrazi.publicmutual@gmail.com

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Again, Public Mutual has been awarded for the Best Fund Manager in Asia. This recognition proved that the commitment to excellent made by the fund manager in Public Mutual always return good profit to the investor.

Not only that it surpasses the performance of KWSP or even ASN and ASN and what not, in many portfolios, it surpasses performance from other Fund Manager as well.

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As Unit Trust is a medium to long term investment, one can find that the products from Public Mutual have proved that the investor can receive 100% return within 5 years period of time. Lipper Asia Ltd have made a survey and proved that we are the best.

Keuntungan sebenar anda susut 30% dari dividen KWSP

Berapakah nilai sebenar keuntungan yang kita perolehi setiaptahun dari dividen atau bonus bonus yang dikeluarkan oleh KWSP?

Ramai yang masih merasakan yang keuntungan yang diperolehi oleh mereka adalah bulat seperti apa yang dinyatakan kepada kita oleh KWSP.

Tanggapan ini salah kerana nilai sebenar keuntungan keatas kita masih belum mengambil kira inflasi yang berlaku keatas setiap individu di negara kita ini.

Sebagai contoh; jika pada satu satu tahun itu, KWSP menyatakan pemberian dividen atau bonus sebanyak 6% (susah dapat sebanyak ini sebenarnya), kita harus menolak dengan kadar inflasi ke atas kita yang berada sekita 2%. Oleh yang demikian, keuntungan keatas kita sebenarnya adalah sebanyak 4% sahaja.

Oleh itu untuk mendapat pulangan yang besar, saya menyarankan agar anda semua mengeluarkan sebahagian wang KWSP dari akaun 1 dan membuat pelaburan dalam unit unit saham amanah, yang jauh lebih baik prestasinya dari pulangan KWSP.

Untuk mendapatkan penerangan lanjut mengenai pelaburan unit saham amanah secara Islam boleh hubungi saya di 019 325 6161 atau email saya di norrazi.publicmutual@gmail.com

Soalan panas kenapa KWSP bagi keuntungan sikit tapi unit trust tinggi

Shall you require information about unit trust Syariah Based Fund, email me at: norrazi.publicmutual@gmail.com

Soalan diatas bukan lontaran daripada saya. Ramai yang saya jumpa acap kali bertanyakan soalan yang sama.

Secara peribadi saya tidak tahu mengapa KWSP berbuat demikian dan bagaimana unit trust boleh beri tinggi tuh boleh la saya terangkan secara berdikit. Heiiii .......... after all blog ini insyaallah bertahan lama dan saya akan berikan pengatahuan dan pandangan saya secara berterusan.

Mengapa KWSP berikan pulangan sedikit? ........ Ini pendapat saya. Mungkin KWSP perlukan kecairan yang tinggi dalam simpanannya bagi memberikan peluang kepada pencarum untuk membuat pelbagai skim pengeluaran yang dibenarkan oleh KWSP seperti pengeluaran untuk membeli rumah, pendidikan anak anak atau diri sendiri, membayar rawatan perubatan dan pelbagai lagi.

Walaupun dana yang terkumpul tinggi, KWSP mungkin menetapkan peratusan yang kecil dalam membuat pelaburan ke pasaran pasaran yang telah dipersetujui kerajaan berserta ahli lembaga pengarah KWSP. Selebih dana digunakan sebagai kecairan wang untuk pengeluaran ahli ahli KWSP ...... Oleh itu dengan demikian, pulangan dari keuntungan (boleh jadi juga rugi) adalah kecil berbandingan pelaburan secara agresif. Mungkin juga ada sebab sebab yang lain yang kurang diperhalusi saya. Walau bagaimana pun, untuk masa mendatang, saya akan berfikir secara logik kenapa pulangan KWSP kurang berbanding unit saham amanah.

Berbeza dengan unit unit saham amanah (unit trust), bergantung kepada risiko yang anda persetujui bersama ejen anda, sebahagian besar di laburkan kepada saham yang berdaya saing yang dapat memberikan pulangan tinggi dengan risiko yang difamai bersama. Sebahagian kecil wang akan dilaburkan kepada saham yang lebih stabil dan memberikan pulangan jangka panjang. Dengan cara ini dan dengan kemahiran serta pengalaman pengurus dana, pulangan unit unit saham amanah menjadi lebih tinggi.

Walau bagaimana pun, sebenarnya, KWSP telah bersikap adil dengan ahlinya dengan memberikan kebenaran kepada ahlinya untuk membuat pengeluaran KWSP bagi tujuan melabur kedalam unit unit saham amanah yang dibenarkan. Didalam laman rasmi KWSP (klik sini), KWSP telah menamakan sejumlah pengurus dana yang dibenarkan berurusan dengan KWSP. Di dalam laman itu Public Mutual adalah Institusi Pelabur Dana (IPD) no. 3. (Klik sini).

Dan sekarang terpulang kepada ahli ahli untuk membuat pilihan bijak untuk membuat pelaburan secara bijak bagi menambahkan kantung simpanan hari tua anda.

Jika anda perlukan maklumat lanjut hubungi saya di 019 325 6161 atau email kepada saya Nor Razi.

Email I received talked about RICH

Thanks mate
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Ah Kau is a guy who sells newspaper every morning next to your apartment, and you are one of his daily regular customers. Before dashing off to your office every day, you will go to his small stall and buy The Star newspaper. Wearing a newly pressed shirt, a tie, and a pair of Clarks shoes, you grab a copy of The Star, pay RM1.20 and exchange smiles with Ah Kau and greet him. "Apa macam Ah Kau ini hari? Bisnes ada baik?" The normal greeting like you do every day.

Yes, Ah Kau doesn't speak English. He speaks Chinese and knows a little bit of Malay. He speaks a little bit of Malay but with a very thick Chinese accent. "Biasa saja! ini bisnes aa, kadang kadang baik, kadang kadang tada untung." "Biasalah hidup. Kadang kadang ok, kadang kadang tak ok." You give Ah Kau a pat on the back. You smile and walk away and get into your car. You start the engine and start driving to your office, a multinational semiconductor company located in a premier industrial area. You are a young and promising finance executive and the future looks> bright for you.

A year goes by and things look pretty good on the track. You decide to marry your fiance and have your new wife moves in to your place. Both of you feel happy because you can save more money as the two of you will be sharing one apartment and can live as one. Ah Kau is still selling the newspaper as usual. Sometimes in the morning your wife gets the newspaper from Ah Kau instead of you.

A year later a child comes along, and you decide to buy and move into a newly developed condominium just across the street. This place is bigger so it will be perfectly fit for the 3 of you. But since both of you are working, you decide to get a maid to take of> the household and your kid. By this time you're offered a managerial job from another multinational; the remuneration package offered is much better in terms of the pay, contractual bonus, medical benefits, ESOS scheme and a few others which make it impossible for you to decline. So you join this company happily.

You get busier. You realize that you spend less and less time with your family. When your department is busy preparing for the next audit, your working hours become more and more ridiculous. Any internal issues arising in the office means you'll be stuck in the office until 8 or 9 pm. Sometimes, during the weekend, you'll spend your time in your office, buried under paper works and documentation' s, instead of taking your family for a walk in the park.

One morning, on your way to get your copy of The Star, you realized that Ah Kau is no longer in his stall. So is his rundown motorbike. Instead, there's another young Chinese guy at the stall. "What happen to Ah Kau?" You ask out of curiosity. "Oh, he is still around, but he is no longer taking care of this stall as he has opened up a new grocery shop down town. I am running this newspaper stall for him." "Ok." you smile. You feel happy for Ah Kau. At last he manages to improve his life.

Your normal life continues. A year passes by and at the end of your company's fiscal year, you're rewarded for your effort with a 5 months bonus pay-out by your employer. Wow. Now that is a very handsome reward. You feel your effort has been equally compensated. To celebrate, you decide that it's time to trade your 5-year old Proton Wira to the latest Honda Civic model. It won't be much a problem to you to get a loan scheme from the bank as your pay slip will provide you an easy gateway to access financial help from any bank. One day, the hardest reality of life hits you right on the face.

The company that you've been working for years announces that they're moving their business to China for cost and competitive reason and has asked you to find a job somewhere else. "What?" You scream out cold. "I got a lot of liabilities on the card! Who's gonna pay for my mortgage? My car? My credit card? My gym fees? My bills?" You yell like there's no way out. This is the first time you feel let down by your own employer. All your hard work seem to go up on the smoke. You feel sick. You now hate your company. On the way home, you stopped by at a mamak restaurant for a cup of teh tarik while pondering about your future.

Alone. Suddenly you saw this new, shiny BMW 3 series being parked nearby. And to your surprise, it was Ah Kau. Yes, Ah Kau who used to sell newspapers nearby your old apartment. "What happened to old Ah Kau?" You whisper to your self. Ah Kau still recognizes you, and sit next to you, and shared his story. To make it short, Ah Kau had accumulated his money from selling newspapers to open more stalls, one after another. Every new stall is run by his workers so that he focused on opening more and more stalls, which in turn give him more and more money.

Over the years, he had accumulated enough cash to open up new grocery store while at the same time buying more assets to grow his wealth. And his current wealth and success is achieved without any loan or financial help from banks and other financial institutions. There you go. That's the story. While Ah Kau is set to become financially free, you're back to where you're started before. Ground zero .

Before leaving, Ah Kau gives you a familiar quote, " Biasalah hidup. Kadang kadang ok, kadang kadang tak ok." He gives you a pat on the back and walks away. In reality, if you're observant enough, there are a lot of Ah Kaus out there, that you will see every day and every where you go.

The names are different, but inside them is every character of Ah Kau. They might be Uncle Dorai, Ah Chong, Pak Abu, Makcik Gemuk, Pak Man nasi lemak or others. They look to be struggling on the surface, but if you look carefully and compare with you life, many of them are living with little or no liabilities. They ride an old kapcai bike. They live in an old rundown house. They don't have credit card to swipe. They wear a 10-year old shirt and short. No new, shiny Toyota Harrier. In short, their living means are far below than yours. But what you don't realize is that many of them can save more money than yours, and over the years generate enough money to expand their business, or invest in properties. Their asset columns are much thicker than that of yours. So the next time you see Ah Kaus, never look down on them, and never underestimate them. Or else you're up for a harsh reality lesson.

Shall you require information about unit trust Syariah Based Fund, email me at: norrazi.publicmutual@gmail.com

What is INFLATION? - Apakah dia inflasi?

Q. What is Inflation?

From Mike Moffatt, http://www.economics.about.com

The Economics Glossary defines Inflation as:

Inflation is an increase in the price of a basket of goods and services that is representative of the economy as a whole.
(Inflasi ditakrifkan sebagai kenaikan harga barangan atau servis yg mewakili sebahagian dari keseluruhan ekonomi)

A similar definition of inflation can be found in Economics by Parkin and Bade:

Inflation is an upward movement in the average level of prices.
(Inflasi adalah pergerakan menaik untuk paras harga pukul rata)

Because inflation is a rise in the general level of prices, it is intrinsically linked to money, as captured by the often heard refrain "Inflation is too many dollars chasing too few goods". To understand how this works, imagine a world that only has two commodities: Oranges picked from orange trees, and paper money printed by the government. In a year where there is a drought and oranges are scarce, we'd expect to see the price of oranges rise, as there will be quite a few dollars chasing very few oranges.

Thus, as shown by the article "Why Does Money Have Value?", inflation is caused by a combination of four factors:

The supply of money goes up.
The supply of other goods goes down.
Demand for money goes down.
Demand for other goods goes up.

Shall you require information about unit trust Syariah Based Fund, email me at: norrazi.publicmutual@gmail.com

Kuasa Inflasi Keatas Mata Wang Kita

Berapakah nilaian RM 1.00 kita jika tersimpan di dalam poket atau tersimpan di bawah tilam kita untuk, misal kata 3 tahun .......... seperti orang pada masa masa dahulu.

Dengan menggunakan formula asas penggandaan, kita juga boleh mendapatkan nilai pengurangan atau susut nilai wang kita.

Nilai Penggandaan = Nilai Hari ini x (1+ i(interest))^n dimana n=lama masa (tahun)

Nilai Pengurangan = Nilai Hari ini x (1- i(inflasi))^n dimana n=lama masa (tahun)

(nota: tanda '^' menerangkan kuasa; interest di takrifkan sebagai perkongsian keuntungan)

Maka Nilai Pengurangan Nilai Wang kita adalah RM 1 x (1-0.04)^3= RM 0.885. yang disebabkan oleh inflasi kepada sesuatu kawasan (negeri/negara) pada masa tempoh 3 tahun.

Oleh itu Nilai RM 1 kita telah menurun menjadi RM 0.885. Itulah kuasa inflasi yang melemahkan nilai sesuatu wang kita.

Shall you require information about unit trust Syariah Based Fund, email me at: norrazi.publicmutual@gmail.com