Pelaburan Unit Trust

Berdasarkan kepada senario pasaran semasa, kami mencadangkan pelaburan dipelbagaikan ke pasaran Asia Pasifik. Pemilihan ini berlandaskan kepada kadar faedah global yang rendah, polisi kewangan yang menarik, peningkatan pasaran di Eropah & China, harga minyak yang lebih rendah yang telah membantu peningkatan pelaburan di Asia Pasifik.

Kami ingin mencadangkan dana syariah yang telah memenangi anugerah, CIMB Islamic Dali Asia Pacific Equity Growth Fund* (sebelum ini dikenali sebagai CIMB Islamic Equity Fund) yang telah memenangi The Edge-Lipper Fund Awards sebagai The Best Islamic Malaysia Equity Asia Pasific Ex Japan untuk 3 & 5 tahun dan CIMB Islamic Dali Equty Fund**. Kedua-dua dana menumpukan pelaburan di Asia Pasifik.

Pelaburan boleh dimulakan dengan 3 cara:

1. Pelaburan tunai sekaligus minimum RM500

2. Pelaburan tunai minimum RM500 & pelaburan seterusnya minimum RM200 (tetap - bulanan)

3. Pelaburan melalui akaun 1 KWSP minimum RM1,000

Pelaburan dalam unit amanah boleh mempelbagaikan simpanan anda & boleh dikeluarkan pada bila-bila masa sahaja.

Sehubungan dengan itu sekiranya anda berminat untuk mengetahui lebih lanjut tentang cadangan pelaburan ini, anda boleh menghubungi saya seperti di bawah:

AZMI
tel/SMS 019-2866 957
Whatsapp/Telegram 019 2866 957
email : azmi.mdali@yahoo.com

https://smartinvestingtip.wordpress.com/

KWSP VS Unit Amanah

Kenapa pilih RM200K kalau blh dpt RM500K?

Mr Ali berusia 40 tahun. Dia membiarkn wang RM100K di EPF selama 15 tahun.Di akhir persaraan wang tersebut berkembang menjadi RM239 K sedangkan Mr Abu mengeluarkan sebahagian dari Akaun 1 KWSP (100K) dengan menyimpan di Unit Amanah. 

Mr Abu mendapati wangnya selama 15 tahun di unit amanah telah berganda kepada RM547K iaitu telah nemberi pulangan purata 12%.. Woww lihatlah berbezaan compounding effect kepada dana persaraan anda.. Jom ubah.. Gandakan wang persaraan anda dengan kami. Hubungi perunding kewangan bertauliah Cimb Wealth Advisor kami..
Azmi 019-2866 957

Why Most People are Not Saving Enough for Retirement

To retire or not to retire? I believe that is really not an option for most people. Retiring is only the privileged few, like, the 5% of the population who can really retire financially independent.


The majority of the people not only do not have the option to retire with financial independence, but they do not even have the option to retire at all. So, why is that the case?

We have to take a look at the problem. Assuming you start working at 25,most of us may start slightly earlier – and assuming you would retire from work at 55.

According to our Malaysian latest mortality rate, meaning how long Malaysians live, it has been said that we live to about 75 years old. We are not talking about now, so let’s take it further, about 20 to 30 years later although Malaysians will certainly live longer. Let’s say we retire from life at 85.

We can separate our life phases in to these two distinct phases called:
Accumulation phase – This is from when you are 25-55, or your working years.
Consumption phase, which is from 55-85 years old.

Do you see the problem? We have thirty years of working and thirty years of not working, meaning we will be consuming our savings. It simply means that each year of our working life, we will be actually saving for each year of our retirement years. At this point you cannot afford not to miss a years of savings because for each year of saving that you miss, you may not have enough for your retirement.

There’s another problem: How much do we save while we are working? Assuming all of us employees and you have EPF. If we have EPF we put aside 11% while our employer tops up another 12%. So, we get 23% going in to our EPF every month.

However, when we retire, we would need,  a minimum of 50% of your last drawn salary. However your last drawn salary may be our highest income, assuming RM10,000. So, we would need about 50% of that, which would be RM5,000. Imagine why this is a problem. We need 50% but we are only putting 23% while we are working. That means there is a shortfall of 27% or more than a quarter.

EPF statistics(2011)  say 50% of retirees spend their entire EPF savings within 5 years.  This is the problem.

courtesy KCL

How the Poor, the Middle Class, and the Rich Think about Investment

How the Poor, the Middle Class, and the Rich Think about Investment


The poor don’t invest because they don’t have money to invest. They spend all their money and forget about investments. The funny thing is though, although they have no money to invest, they have money to gamble. They have money to buy lottery, they have money to buy 4D and 3D, go to Genting and gamble a few thousand Ringgit, travel with Star Cruise, drink alcohol and smoke.

For all these money-burning activities, the poor have money. When it comes to investing, they have no money.

Now, the middle class is actually where most people you see or meet are. The middle class say, “Investing is Risky.” Every time people say investing is risky, they actually mean that speculating or gambling is risky. Most people cannot differentiate between speculating and investing.

Understanding about the difference between investing and speculating is very important. If you still cannot differentiate, then just follow this simple definition. -anything that can make money and can lose money is gambling or speculating.

Investing, if you do it the right way, you cannot lose money. This doesn’t mean that you never lose money, but as a whole you cannot lose money. Just like in a casino. If you are a casino owner, you may lose at individual rounds, but as a whole if you combine all the tables and bets, you cannot lose.

As for the rich, instead of saying, “Investing is risky,” the rich will say, “Not investing is risky.” Why do you think the rich would say so?

Inflation eats our money away. If you don’t invest, your money will be eaten by inflation.
So, why is not investing risky? Because if you don’t invest, your money will be in your savings account, or FD, or EPF where you look for all the guaranteed things and so forth, plus all your money will be eaten by inflation.

Secondly, you face another risk which is “you don’t have enough money” risk – the risk of having not enough money. You don’t have enough money for your kids’ education, not enough for your retirement, maybe not enough for your parents’ hospital bills in the future and maybe your own hospital bills in the future as well.

If you talk about insurance, the insurance might be so costly that you could barely afford to pay for it unless you plan to work for life. Even if you plan to work for life, you still face another risk: Whether people will still hire you when you’re old, and whether you can still work or not when you’re old. In that sense, even if you don’t invest you are facing many risks, which is why, to the rich, not investing is also a risk.

Another risk of not investing is that your money will grow too slowly. What if got you into an illness and cannot work anymore? When you cannot work anymore, all your financial goals are not met, and you have financial liabilities.

So, investing actually expedites financial security if you do it the right way. Not speculating or gambling – but Investing.



courtesy KCL

LIST OF TRUST FUNDS UNDER THE EPF MEMBERS INVESTMENT SCHEME

EPF Tust Fund List

EPF-MIS FAQs

1. What are the benefits investing via EPF?

• Potentially higher returns compared to savings and Fixed Deposits (FD)
• Diversification of retirement savings for reduced risk
• Effective alternative to long term investments

2. Which EPF account to be used for this investment?

• You can use your EPF account 1 to invest if you meet the criteria.

3. What documents I need to bring upon sign-up?

• MyKad
• Latest EPF Statement

4. Can I do additional investments?

• Yes you can, provided no withdrawal made from your EPF account for the past 3 months.

5. Can I switch between funds?

• Yes, switching is allowed between funds currently available under the EPF-MIS scheme and is restricted to the same fund house.

6. Can I include a joint-holder in my investment?

• EPF withdrawals for investment can only be made for individual investments. No joint-holder or group investments allowed.

7. Will I be able to transfer my investment to another person?

• No. You will only be able to transfer your investment once you reach the age of 55.

8. When do I get updated on my investment?

• You will receive your Investment Statement once a year 
• You will also receive and Account Statement each time there is a movement of any number of units and also for every redemption made

9. When do I receive my investment updates?

• You will receive your Investment Statement once a year and Account statement whenever there is any movement in your funds.

Unit Trust Funds Available For EPF-MIS

CWA being an institution under the EPF-MIS (Members' Investment Scheme) enables you to invest part of your EPF Savings into its full range of unit trust funds.

Under this scheme, members can invest not more than 20% of their credit in excess of Basic Savings in Account 1. The minimum amount of savings that can be withdrawn is RM 1,000 and can be made at intervals of three months from the date of the last transfer, subject to the availability of the Basic Savings required in Account 1.

Estimated amount is just a guide as to how much is eligible for investment withdrawal. The actual amount can be obtained from the nearest EPF counters.

The following is the list of partner's unit trust funds available for Employees Provident Fund - Members Investment Scheme (EPF-MIS) effective 16 May 2011:

EPF posts 18.5% increase in 1Q12 investment income

KUALA LUMPUR (June 5): The Employees Provident Fund's (EPF) investment income for its first quarter (1Q) ended March 31 this year rose 18.52% — or RM1.21 billion — to RM7.74 billion, compared to the corresponding period last year.

"The fund's performance was primarily driven by gains realised in equities when we capitalised on the positive equity market during the quarter by taking profits early in the year. The results for the quarter reflect the success of our active but disciplined investment approach that allows the fund to react when opportunities present themselves," said EPF CEO Tan Sri Azlan Zainol.

Investment income from equities for 1Q 2012 amounted to RM3.62 billion, a 12.08% increase compared to RM3.23 billion a year earlier.

Loans and bonds were the second largest income contributor, bringing in RM2.49 billion for the quarter compared to RM1.77 billion in the same period in 2011.

One of EPF's major investment transactions during the quarter was its subscription to the global sukuk issued by PLUS Bhd following the privatisation of PLUS Expressways Bhd in December 2011.

At the end of the quarter under review, EPF's total overseas exposure constituted 13.96% of its total investment cost.

In 1Q 2012, an additional US$1.2 billion (RM3.84 billion) of investments were made in global equities and real estate.

"In addition to global equity holdings, we plan to step up our investments in overseas real estate and infrastructure deals as well as Islamic and conventional bonds, taking into consideration the right opportunities, market movements and directions, with an intention to gradually increase our overseas exposure to between 18% and 19% of our total investments by the year-end,” he said in a statement on Tuesday.

However, Azlan assured members that the EPF is very selective and cautious in its global ventures and only invests in countries appropriate for the fund's risk-return profile.

"The move into international assets also does not mean that the EPF is shifting domestic investments out of the country as our domestic assets in terms of absolute amount has and will continue to experience positive average growth of about 4% per annum,” he added.

"Uncertainties surrounding the global economy, especially the ongoing sovereign-debt crisis in Europe, will continue to have a bearing on EPF's investment performance. While we predict a tough year going forward, we will hold firm to our long-term strategic asset allocation approach that provides the resilience necessary in the present challenging market conditions," Azlan said.

The Edge

EPF's global foray seen as beneficial

THE Employees Provident Fund (EPF) will offer its members greater exposure to global equities and global fixed-income markets. This follows the government's mandate to the EPF last April to invest up to 23% of its investment assets in international markets.

 Going global adds diversity to an otherwise bland basket of local investments. "It is a good move to allow the EPF to increase its total assets in the international markets. A big chunk of its total assets are already invested in the Malaysian market," says Choo Swee Kee, executive director of TA Investment Management Bhd.

 The EPF has been progressively increasing its global exposure. Last year, an additional US$5.54 billion (RM17.51 billion) worth of investments were made overseas. As at Dec 31, 2011, the fund's global investment assets contributed 13.37% of total assets. "Now, that is not alarming. Foreign investments will not increase quickly in a short period. I believe it will be be increased proportionately over time. However, there are risks when the assets reach the limit of 23%. That is close to a quarter of EPF's total assets, which is significant," opines Choo.

 The EPF collects on average more than RM2 billion every month from its 13.15 million members. The members make a compulsory monthly contribution that is capped at 11% while employers can add up to 13%. Membership is mandatory for working Malaysian citizens and permanent residents. " The move to increase international exposure is aimed at enhancing returns. It allows the EPF to seek opportunities to improve its performance. This is as opposed to investing to maintain the value of its existing assets," says Danny Wong, CEO and executive director of Areca Capital Sdn Bhd.

 Volatility across global markets is expected to continue and the global investment outlook is generally cautious. "Only certain markets in Asia, such as Singapore, Hong Kong and Thailand, are trading at a discount. Most institutional and retail investors have adopted a wait-and-see approach and are holding cash," says Azian Abu Bakar, executive director of Apex Investment Services Bhd.

 While the move to allow the EPF to increase its international exposure is seen as beneficial, returns made will depend on the timing of the investment. "It may not be wise to increase its international exposure now. Perhaps, [it should] wait till the markets are more stable."

 Wong, however, says the emphasis should be on asset allocation. "For instance, since the US recovery is not as strong as expected, it is quite good to go into its fixed-income papers now. Besides that, it also depends on the sectors, asset classes and markets that the EPF moves into."

 "While it is wise to move part of the portfolio offshore, I am not sure about the EPF's competency in managing global assets. It makes sense for it to appoint external fund managers to manage the foreign portfolios," adds Wong.

The Edge