Amanah Saham: Public Mutual

[zinedine]

Originally Posted by baein

By DALJIT DHESI
PETALING JAYA: Effective next month, sales charges for investment in unit trusts by Employees Provident Fund (EPF) contributors are expected to be slashed to not more than 3% from 5% to 6% now.
A source told StarBiz that the move was expected as the current charges were relatively high compared with other countries, and for the industry to be globally competitive, the upfront sales charges should come down.
This would also reduce the cost of investment and improve returns as the current sales charges were eating into unit trust returns, he said, adding that the move, over time, would lower the overall sales charges in the industry.
Pacific Mutual Fund Bhd chief executive officer and chief investment officer Michael Auyeung said the move was a positive development for the industry.
Lowering sales charges would provide investors a quicker path to garnering returns on their investment, and might encourage many to make regular withdrawals.
“Distributors who earnestly assess what the EPF is trying to do for its contributors will eventually see that this move will benefit everyone,” Auyeung said.
From the perspective of unit trust management companies, most players would welcome the lowering of any hurdle that helped change investors' mindsets and allowed them to realise that unit trusts were an extremely viable investment and pension planning instrument, he said.
Furthermore, he said, the excuse that high upfront fees were keeping pensioned investors away had been partly overcome.
Auyeung said when news emerged that EPF investors were losing money in unit trusts, Pacific Mutual conducted an in-depth study of its own investor base. “Total gains made by our investors between 2003 and 2005 were RM41.32mil while losses amounted to RM65,000. Most of the losses were incurred by recent investors who had yet to recover the fees they paid upfront,” he noted.
An industry player said: “Those unit trust management companies that rely heavily on agents would in the short term see a negative impact on their businesses.
“This is because the agents' customers mainly comprise EPF contributors. The lowering of sales charges would affect the agents' commissions which, in turn, would affect the companies' businesses in the short term.''

Tak faham. Boleh tolong terjemahkan ke dalam bahasa Malaysia tak maksud apa yg nak disampaikan ni.

[baein]

Originally Posted by zinedine

Tak faham. Boleh tolong terjemahkan ke dalam bahasa Malaysia tak maksud apa yg nak disampaikan ni.

maksudnya service charge kurang dari 3% berbanding 5-6% pada kadar sekarang untuk pelabur yg melabur menggunakan EPF...

[code7]

nak try invest la jgak tapi tak tau sapa yang boleh dipercayai..

[taqiyuddin]

aku nak invest so pada sapa nie..aku kat kl..huuhuh

[baein]

saya boleh jadi consultant code7 dan taqiyuddin.. xda masalah walaupun jauh dimata tapi dekat di hati.. kita gunakan teknologi.. all procedure is easy and safe.. dont worry.. i will help you to make investment in public mutual.. please email me as soon as posible..

[e-fun]

Originally Posted by baein

insyallah lepas bulan febuari nie (2008).. epf akan menurunkan syarat untuk melabur dari acc 1.. apa yg saya dengar syarat baru adalah

umur 25-29 = minima acc 1 RM9000
umur 30-35 = minima acc 1 RM18000

so jika sorang tu umur 28 tahun dan dalam acc 1 dia ada RM14000 maknanya 14K-9K = 5k (X 20%) = RM1000 la yg boleh dilaburkan..

harap2 cadangan tu diluluskan..

adeh..baru 21 ni.. sebenarnya saya ni dah lama berapi nk join public mutual. Tapi my mum nasihat bahaya. High Risk (tapi saye jwb dlm hati...High Return).

Pernah dengar cerita my fren yg tgh study join investment under Public. Orangnye maintain simple, pakai baju bundle longgok2 je.. tapi,skali tgk buku akaun die.. perkh.. berderet2 kt bhg debit. Dia guna nama mak die sebagai holder. (mcm yg abg Baein crita tadi)

Katenye, dia dgn ahli family die siap ade monthly contest. Tiap2 minggu ble ditanya nape blik rumah, die jawab "ade meeting". Huhu... what the interesting family.. rumah tak besar,kereta Saga lama..

Ok, back to the topic.
So, abg baein, boleh terangkan beza Public dgn unit trust lain x?

[taqiyuddin]

aku berminat melabur RM1000 boleh ke dan kalau untung brape lama kita kena tunggu..

[baein]

Originally Posted by e-fun

adeh..baru 21 ni.. sebenarnya saya ni dah lama berapi nk join public mutual. Tapi my mum nasihat bahaya. High Risk (tapi saye jwb dlm hati...High Return).

Pernah dengar cerita my fren yg tgh study join investment under Public. Orangnye maintain simple, pakai baju bundle longgok2 je.. tapi,skali tgk buku akaun die.. perkh.. berderet2 kt bhg debit. Dia guna nama mak die sebagai holder. (mcm yg abg Baein crita tadi)

Katenye, dia dgn ahli family die siap ade monthly contest. Tiap2 minggu ble ditanya nape blik rumah, die jawab "ade meeting". Huhu... what the interesting family.. rumah tak besar,kereta Saga lama..

Ok, back to the topic.
So, abg baein, boleh terangkan beza Public dgn unit trust lain x?

selalunya dimana high risk adalah high return.. tetapi agent amat memainkan peranan penting dalam pemantauan acc investor dimana agent akan beri nasihat dan sentiasa alert kalau berlaku sesuatu.. sbg agent keuntungan pelabur adalah prinsip no 1.. komisen tu belakang kira.. adalah amat penting memilih 3 kriteria ni jika melabur dlm unit trust..

1- pilih dana yang sesuai
setiap dana ada masa yg sesuai nak invest.. kena kaji dulu bnyk aspek.. boleh tny agent untuk tahu dana mana yg sesuai utk keadaan semasa.. sebaik-baiknya pilih dana islamic

2- pilih agent yg bagus
tugas agent adalah membantu pelabur dalam membuat pelaburan, memberi khidmat nasihat dan sentiasa updatekan segala info.. service is no1 before and after investment.. so pastikan anda pilih agent yg betul untuk pastikan dia serve anda sebaik mungkin

3- pilih fund manager yg betul..
Fund manager dimana company yg menguruskan dana tersebut.. seboleh-bolehnya yg berpengalaman tinggi.. mcm Public Mutual berpengalaman lebih 30 tahun.. ianya penting kerana kita tidak akan mengalami rugi yg teruk jika economy volatile.. dalam masa keadaan economy baik semua company bg good performance.. tapi bila economy volatile????

[baein]

Originally Posted by taqiyuddin

aku berminat melabur RM1000 boleh ke dan kalau untung brape lama kita kena tunggu..

better melabur dalam 3-5 tahun untuk memaksimunkan profit.. harus diingat unit trust nie LONG TERM INVESTMENT dan bukan skim cepat kaya program.. tapi jika dah untung dah boleh redeem..

[taqiyuddin]

jadi aku boleh tengok la keuntungan aku melaui dalam internet? atau kena pergi bank?