Info: Di ambil daripada majalah PERSONAL MONEY page 58/59 ( seperti lampiran)
Info di bawah di ambil melalui tulisan Dr. Zurina Shafi, Pengarah Institut Kewangan Islam USIM
Bagaimana mengenal pasti pelaburan yang berlandaskan syariah?
ISU: Halalkah ASNB?
Pelaburan adalah tidak berlandaskan syariah apabila
FAKTOR QUALITATIF
• Khidmat kewangan berasaskan riba’
• Perjudian
• Pembuatan @ penjualan produk tidak halal atau produk yang berkaitan dengannya
• Insurans
• Aktiviti hiburan
• Pembuatan @ penjualan rokok & produk berkaitan
• Pelaburan di dalam sekuriti tidak patuh halal
• Aktiviti yang tidak dibenarkan oleh syariah
Walaubagaimanapun ketika syarikat beroperasi terdapat isu-isu ketidakpatuhan syariah berlaku, ulama islam telah memutuskan faktor-faktor lain akan diambil kira
1) Persepsi umum dan imej syarikat mestilah baik
2) Aktiviti utama mestilah memberikan kepentingan & keuntungan kepada umum.
Isu kemaslahatan ummah.
FAKTOR QUANTITATIF
Aras sumbangan aktiviti yang bercampur ini di ukur melalui;
Tanda aras 5%
Penanda aras ini menentukan sumbangan aktiviti riba, judi, arak & babi.
Pasaran modal moden agak sukar mengasingkan isu ini, maka penanda aras ini diguna pakai.
Tanda aras 10%
FD & rokok
Tanda aras 20%
Sewa daripada aktiviti tidak patuh syariah
Tanda aras 25%
Stok, perhotelan, operasi resort
Maka, melalui segala faktor-faktor di atas, dana ASNB TIDAK MELEPASI SYARAT SYARIAH.
Fatwa HARUS yang dikeluarkan oleh majlis fatwa kebangsaan mengambil kira sekiranya fatwa HARAM dikeluarkan, ini akan mencetuskan kekecohan & ketidakstabilan kerana ASNB menguruskan berbillion dana umat islam. Majlis fatwa kebangsaan meminta pihak PNB merangka struktur dana patuh syariah sebagai pilihan kepada pelabur seperti yang ada pada syarikat lain, PUBLIC MUTUAL & RHB investment.
Berhijrah?
Hubungi saya untuk meklumat lebih lanjut
Sunday, May 30, 2010
Sunday, January 3, 2010
THE CRISIS SAVING TECHNIQUE
Taken from “The Millionaire in me” by Azizi Ali
THE CRISIS SAVING TECHNIQUE
There is a quick and perhaps radical method to boost your saving and with it your net worth – I call the Crisis Saving Technique.
What do folks do whenever they are in financial blind? What do people do when they are caught in a crisis and trapped in financial crossfire? A normal reaction is to start cutting back on their expenditure. They’ll probably spend less and use the additional saving to help address the situation. And when the coast is clear and things get better, they revert to their normal saving rate.
Which is darn shame actually. Why wait until there is a crisis to increase the saving and spend less? If you do this even during good times, imagine how much money you can save and invest? For example, If you set aside 10 percent of your income which incidentally is RM 500 a month as your savings, you will wind up with RM 38718 after 5 years assuming a return of 10 percent per annum. Pretty good. This is shown in the table below;
10% Saving Schedule
Year Saving (%) Amount per month (RM)
1 10 500
2 10 500
3 10 500
4 10 500
5 10 500
Total saving + interest RM 38,718
But let’s see what happen if you adopt this Crisis Saving Technique for a period of one year. Which is too much to ask as a one-year period is easily planned for. Let’s say you now boost your savings rate to 40%for that one year. In that one year, you live frugally, watch every cent and cut back all unnecessary spending. After that you revert to your original ten percent. And wonder of wonders, yon’ll wind up with RM66,790 after five years, which is 72% higher then the original saving schedule of ten percent per year. A worthwhile effort, don’t you think?
Crisis Saving Technique
Year Saving (%) Amount per month (RM)
1 40 2000
2 10 500
3 10 500
4 10 500
5 10 500
Total saving + interest RM 66790
So this is Crisis Saving Technique is a certainly quick and fast way to increase your networth. Radical to some, but hey, if it works, why not? After all it does not matter whether the cat is black or white as long as it catches the mice. And RM66790 will not only catch a lot of big juicy mice but also a lot of other stuff as well.
TO GET A PLACE TO MAXIMISE YOUR SAVING – call me with no obligation
Anuar 0197646651
THE CRISIS SAVING TECHNIQUE
There is a quick and perhaps radical method to boost your saving and with it your net worth – I call the Crisis Saving Technique.
What do folks do whenever they are in financial blind? What do people do when they are caught in a crisis and trapped in financial crossfire? A normal reaction is to start cutting back on their expenditure. They’ll probably spend less and use the additional saving to help address the situation. And when the coast is clear and things get better, they revert to their normal saving rate.
Which is darn shame actually. Why wait until there is a crisis to increase the saving and spend less? If you do this even during good times, imagine how much money you can save and invest? For example, If you set aside 10 percent of your income which incidentally is RM 500 a month as your savings, you will wind up with RM 38718 after 5 years assuming a return of 10 percent per annum. Pretty good. This is shown in the table below;
10% Saving Schedule
Year Saving (%) Amount per month (RM)
1 10 500
2 10 500
3 10 500
4 10 500
5 10 500
Total saving + interest RM 38,718
But let’s see what happen if you adopt this Crisis Saving Technique for a period of one year. Which is too much to ask as a one-year period is easily planned for. Let’s say you now boost your savings rate to 40%for that one year. In that one year, you live frugally, watch every cent and cut back all unnecessary spending. After that you revert to your original ten percent. And wonder of wonders, yon’ll wind up with RM66,790 after five years, which is 72% higher then the original saving schedule of ten percent per year. A worthwhile effort, don’t you think?
Crisis Saving Technique
Year Saving (%) Amount per month (RM)
1 40 2000
2 10 500
3 10 500
4 10 500
5 10 500
Total saving + interest RM 66790
So this is Crisis Saving Technique is a certainly quick and fast way to increase your networth. Radical to some, but hey, if it works, why not? After all it does not matter whether the cat is black or white as long as it catches the mice. And RM66790 will not only catch a lot of big juicy mice but also a lot of other stuff as well.
TO GET A PLACE TO MAXIMISE YOUR SAVING – call me with no obligation
Anuar 0197646651
Tuesday, September 8, 2009
TAX BENEFIT FROM UNIT TRUST
TAX BENEFIT FROM UNIT TRUST
INTRODUCTION
THE TAXATION OF UNIT TRUSTS
SECTION 61 – THE INCOME TAX ACT, 1967 (“the Act)
INCOME OF UNIT TRUST DIVIDED INTO
1) DIVIDEND
2) INTEREST OF PROFIT GAIN FROM SALES OF INVESTMENT
3) RETURN OF BONDS
IMPORTANT
GAINS OF DISPOSAL OF INVESTMENT – WILL NOT BE SUBJECT TO
INCOME TAX
REASON
MALAYSIA GOVERNMENT’S EFFORTS TO PROMOTE UNIT TRUST,
MOST INCOME RECEIVED BY UNIT TRUST WILL BE EXEMPT FROM
INCOME TAX.
EXEMPT INCOME
1) SECURITIES OR BONDS ISSUED OR GUARANTEED BY THE
GOVERNMENT
2) DEBENTURES, OTHER THAN CONVERTIBLE LOAN STOCKS,
APPROVED BY THE SECURITIES COMISSION
3) BON SIMPANAN MALAYSIA ISSUED BY BANK NEGARA MALAYSIA
TAX BENEFIT OF UNIT TRUSTS PASSED ON TO UNITHOLDERS
TAX-EXEMPTED INCOME WILL BE DISTRIBUTED TO UNIT HOLDER &
UNIT HOLDERS WILL NOT BE SUBJECT TO INCOME TAX
IMPORTANT: FD VS UT
IF CORPORATE INVESTOR WERE TO DEPOSIT FUNDS IN FD –
INTEREST OF FD WILL BE SUBJECT TO INCOME TAX AT NORMAL CORPORATE RATE INCOME TAX – 28%
THEFORE, MORE BENEFICIAL FOR THE INVESTOR TO INVEST IN THE UNIT TRUST SINCE CERTAIN INCOME
FROM THE SAME TYPE OF INVESTMENTS WOULD BE TAX EXEMPTED.
Warm regards n at service,
ANUAR ASPURI
UNIT TRUST CONSULTANT
019-7646651
INTRODUCTION
THE TAXATION OF UNIT TRUSTS
SECTION 61 – THE INCOME TAX ACT, 1967 (“the Act)
INCOME OF UNIT TRUST DIVIDED INTO
1) DIVIDEND
2) INTEREST OF PROFIT GAIN FROM SALES OF INVESTMENT
3) RETURN OF BONDS
IMPORTANT
GAINS OF DISPOSAL OF INVESTMENT – WILL NOT BE SUBJECT TO
INCOME TAX
REASON
MALAYSIA GOVERNMENT’S EFFORTS TO PROMOTE UNIT TRUST,
MOST INCOME RECEIVED BY UNIT TRUST WILL BE EXEMPT FROM
INCOME TAX.
EXEMPT INCOME
1) SECURITIES OR BONDS ISSUED OR GUARANTEED BY THE
GOVERNMENT
2) DEBENTURES, OTHER THAN CONVERTIBLE LOAN STOCKS,
APPROVED BY THE SECURITIES COMISSION
3) BON SIMPANAN MALAYSIA ISSUED BY BANK NEGARA MALAYSIA
TAX BENEFIT OF UNIT TRUSTS PASSED ON TO UNITHOLDERS
TAX-EXEMPTED INCOME WILL BE DISTRIBUTED TO UNIT HOLDER &
UNIT HOLDERS WILL NOT BE SUBJECT TO INCOME TAX
IMPORTANT: FD VS UT
IF CORPORATE INVESTOR WERE TO DEPOSIT FUNDS IN FD –
INTEREST OF FD WILL BE SUBJECT TO INCOME TAX AT NORMAL CORPORATE RATE INCOME TAX – 28%
THEFORE, MORE BENEFICIAL FOR THE INVESTOR TO INVEST IN THE UNIT TRUST SINCE CERTAIN INCOME
FROM THE SAME TYPE OF INVESTMENTS WOULD BE TAX EXEMPTED.
Warm regards n at service,
ANUAR ASPURI
UNIT TRUST CONSULTANT
019-7646651
Tuesday, September 1, 2009
SOALAN-SOALAN LAZIM TENTANG UNIT AMANAH
1) Berapa sebenarnya dividend unit trust?
Dividend unit trust adalah diantara 10% hingga 15% setiap tahun terkompoun dengan syarat mestilah disimpan lebih daripada 3 tahun. Prestasi sebenar pelaburan public mutual yang sebelum ini ada dana memberikan pulangan 100% dalam masa 5 tahun, maka setiap tahun agihan dan kenaikan modal memberikan dividen terkompoun sebanyak 15%. Ini dapat dibuktikan melalui formula FV=PV (1+i) n. Tetapi dalam keadaan ekonomi sekarang, pelabur yang baru melabur 6 bulan telah mendapat pulangan diantara 20% hingga 30%, mereka boleh mengeluarkan duit tanpa perlu menunggu 3 tahun.
2) Saya takut harga turun naik. Katakan saya beli pada harga RM 0.25, adakah saya akan rugi sekiranya selepas 5 tahun apabila saya ingin menjual unit amanah saya pada ketika itu harga seunit hanya RM 0.20?
Unit trust bermaksud pengumpulan unit. Setiap pelabur diberi pemilikan dalam bentuk unit. Unit akan bertambah setiap kali pemberian dividend tahunan. Setiap tahun pemberian unit adalah berdasarkan unit yang terkini. Setelah tahun ke lima unit di dalam pegangan pelabur semakin bertambah dan didarabkan dengan harga semasa RM 0.20, pelabur TIDAK RUGI. Ini dibuktikan melalui prestasi sebenar, Public Ittikal pada tahun 1997 harga pengenalan seunit adalah RM 0.95, pelaburan bernilai RM100,000 telah menjadi RM 199.987 pada 2005 walaupun pada ketika harga jualan Public ittikal hanyalah RM 0.75. Secara logiknya duit pelabur hanya tinggal RM75,000 tetapi mengapa pelabur untung? Ini disebabkan unit di dalam pegangan telah meningkat melalui pemberian dividend tahunan.
3) Apakah beza diantara KPF, bank rakyat dan unit trust?
KPF adalah Koperasi Permodalan Felda yang memberikan dividen 10% hingga 14%. Bank Rakyat pula adalah 15%, Dividen KPF & Bank rakyat adalah payout. Sekiranya dilaburkan 10 tahun, 10 ribu di KPF @ Bank rakyat hanya memberikan RM25 ribu (capital + payout dividen) manakala unit trust adalah dividen terkompoun dan terbukti RM 34 ribu dalam masa 10 tahun. KPF & Bank Rakyat tertakluk dibawah akta koperasi dan mempunyai had yang terhad. Pelabur terpaksa menunggu giliran dan had KPF hanya RM250 ribu sahaja.
4) Boleh tak duit saya jadik kosong?
Pelaburan unit amanah dilaburkan di dalam berpuluh kaunter malahan beratus kaunter. Pegangan adalah dalam bentuk unit. Unit tidak akan berkurang walaupun seunit. Risiko untuk duit hilang amatlah tipis memandangkan duit pelabur di dalam "safeguard" pemegang amanah sepeti amanah raya berhad, maka syarikat pengurusan unit amanah tidal boleh sewenang-wenangnya melaburkan duit pelabur. Semua aktiviti pelaburan adalah tertakluk di bawah "surat ikatan" ataupun "DEEDS".
5) Apakah yang akan saya dapat, bila saya melabur?
Dalam masa 3 minggu encik akan dapat statement daripada public mutual. 2 kali setahun encik akan dapat report separuh tahun “interim report” dan laporan tahunan “ Annual report”.
6) Apakah perbezaan pelaburan KWSP & Unit Trust?
Pelaburan KWSP kebanyakannya dilaburkan di sekuriti dan bon kerajaan Malaysia, maka pulangannya adalah rendah berbanding unit trust. Pelaburan di KSWP memerlukan 14 tahun untuk sekali ganda, manakala di unit trust terbukti 5 tahun sekali ganda.
7) Apa perbezaaan pelaburan ASB & Unit Trust?
ASB adalah di bawah PNB dibawah kerajaan, Public mutual adalah syarikat unit trust swasta. ASB memberikan dividen terkompoun 8% manakala Public Mutual daripada 10% hingga 15%. Duit di ASB memerlukan 9 tahun untuk sekali ganda manakala Public Mutual terbukti 5 tahun sekali ganda.
8) Adakah pelaburan unit trust telah dizakatkan?
Pelaburan unit trust adalah tidak dizakatkan. Pelabur perlu mengeluarkan zakat apabila cukup haul dan nisab.
Untuk setakat ini dahulu saya menulis, anda ada persoalan atau ingin lebih lanjut faham mengenai ASAS UNIT AMANAH, walaupun anda tidak bersedia untuk menjadi agent, hanya inginkan ilmu;
Di jemput hadir ke J PLATINUM OFIS, 15-2, Jalan Suria 7, Bdr Seri Alam. hway pasir gudang, exit ke tesco seri alam, BARISAN BSN , atas restoren satay celup melaka tingkat 2.
AHAD 9.00 pagi.
Apapun persepsi dan tanggapan, marilah kita berhijrah mencari pelaburan yang lebih islamik dan difahami risikonya dengan jelas.
Terima kasih,
Anuar Bin Aspuri
019 764 6651
Dividend unit trust adalah diantara 10% hingga 15% setiap tahun terkompoun dengan syarat mestilah disimpan lebih daripada 3 tahun. Prestasi sebenar pelaburan public mutual yang sebelum ini ada dana memberikan pulangan 100% dalam masa 5 tahun, maka setiap tahun agihan dan kenaikan modal memberikan dividen terkompoun sebanyak 15%. Ini dapat dibuktikan melalui formula FV=PV (1+i) n. Tetapi dalam keadaan ekonomi sekarang, pelabur yang baru melabur 6 bulan telah mendapat pulangan diantara 20% hingga 30%, mereka boleh mengeluarkan duit tanpa perlu menunggu 3 tahun.
2) Saya takut harga turun naik. Katakan saya beli pada harga RM 0.25, adakah saya akan rugi sekiranya selepas 5 tahun apabila saya ingin menjual unit amanah saya pada ketika itu harga seunit hanya RM 0.20?
Unit trust bermaksud pengumpulan unit. Setiap pelabur diberi pemilikan dalam bentuk unit. Unit akan bertambah setiap kali pemberian dividend tahunan. Setiap tahun pemberian unit adalah berdasarkan unit yang terkini. Setelah tahun ke lima unit di dalam pegangan pelabur semakin bertambah dan didarabkan dengan harga semasa RM 0.20, pelabur TIDAK RUGI. Ini dibuktikan melalui prestasi sebenar, Public Ittikal pada tahun 1997 harga pengenalan seunit adalah RM 0.95, pelaburan bernilai RM100,000 telah menjadi RM 199.987 pada 2005 walaupun pada ketika harga jualan Public ittikal hanyalah RM 0.75. Secara logiknya duit pelabur hanya tinggal RM75,000 tetapi mengapa pelabur untung? Ini disebabkan unit di dalam pegangan telah meningkat melalui pemberian dividend tahunan.
3) Apakah beza diantara KPF, bank rakyat dan unit trust?
KPF adalah Koperasi Permodalan Felda yang memberikan dividen 10% hingga 14%. Bank Rakyat pula adalah 15%, Dividen KPF & Bank rakyat adalah payout. Sekiranya dilaburkan 10 tahun, 10 ribu di KPF @ Bank rakyat hanya memberikan RM25 ribu (capital + payout dividen) manakala unit trust adalah dividen terkompoun dan terbukti RM 34 ribu dalam masa 10 tahun. KPF & Bank Rakyat tertakluk dibawah akta koperasi dan mempunyai had yang terhad. Pelabur terpaksa menunggu giliran dan had KPF hanya RM250 ribu sahaja.
4) Boleh tak duit saya jadik kosong?
Pelaburan unit amanah dilaburkan di dalam berpuluh kaunter malahan beratus kaunter. Pegangan adalah dalam bentuk unit. Unit tidak akan berkurang walaupun seunit. Risiko untuk duit hilang amatlah tipis memandangkan duit pelabur di dalam "safeguard" pemegang amanah sepeti amanah raya berhad, maka syarikat pengurusan unit amanah tidal boleh sewenang-wenangnya melaburkan duit pelabur. Semua aktiviti pelaburan adalah tertakluk di bawah "surat ikatan" ataupun "DEEDS".
5) Apakah yang akan saya dapat, bila saya melabur?
Dalam masa 3 minggu encik akan dapat statement daripada public mutual. 2 kali setahun encik akan dapat report separuh tahun “interim report” dan laporan tahunan “ Annual report”.
6) Apakah perbezaan pelaburan KWSP & Unit Trust?
Pelaburan KWSP kebanyakannya dilaburkan di sekuriti dan bon kerajaan Malaysia, maka pulangannya adalah rendah berbanding unit trust. Pelaburan di KSWP memerlukan 14 tahun untuk sekali ganda, manakala di unit trust terbukti 5 tahun sekali ganda.
7) Apa perbezaaan pelaburan ASB & Unit Trust?
ASB adalah di bawah PNB dibawah kerajaan, Public mutual adalah syarikat unit trust swasta. ASB memberikan dividen terkompoun 8% manakala Public Mutual daripada 10% hingga 15%. Duit di ASB memerlukan 9 tahun untuk sekali ganda manakala Public Mutual terbukti 5 tahun sekali ganda.
8) Adakah pelaburan unit trust telah dizakatkan?
Pelaburan unit trust adalah tidak dizakatkan. Pelabur perlu mengeluarkan zakat apabila cukup haul dan nisab.
Untuk setakat ini dahulu saya menulis, anda ada persoalan atau ingin lebih lanjut faham mengenai ASAS UNIT AMANAH, walaupun anda tidak bersedia untuk menjadi agent, hanya inginkan ilmu;
Di jemput hadir ke J PLATINUM OFIS, 15-2, Jalan Suria 7, Bdr Seri Alam. hway pasir gudang, exit ke tesco seri alam, BARISAN BSN , atas restoren satay celup melaka tingkat 2.
AHAD 9.00 pagi.
Apapun persepsi dan tanggapan, marilah kita berhijrah mencari pelaburan yang lebih islamik dan difahami risikonya dengan jelas.
Terima kasih,
Anuar Bin Aspuri
019 764 6651
Tuesday, August 18, 2009
ISLAMIC UNIT TRUST
ISLAMIC FUNDS IS POPULAR AMONG MUSLIM & NON-MUSLIM AS
PER BELOW REASONS;
1) RESILIENT NATURE OF SHARIAH-COMPLIANT FINANCIAL SECURITIES, NOPER BELOW REASONS;
EXPOSURE TO CONVENTIONAL BANK AND OTHER FINANCIAL STOCKS, THEY
HAVE MANAGED TO AVOID THE EFFECTS OF THE U.S. SUB-PRIME
MORTGAGE CRISIS.
2) AS QUANTITATIVE FILTER, SHARIAH-COMPLIANT ARE SUBJECT TO
RESTRICTIONS ON THE AMOUNT OF CONVENTIONAL LEVERAGE
PERMITTED AT THE PORTFOLIO COMPANY LEVEL.
FOR MORE INFO,
ANUAR BIN ASPURI
UNIT TRUST CONSULTANT
+6019764 6651
ANUAR BIN ASPURI
UNIT TRUST CONSULTANT
+6019764 6651
Does Compound Interest Really Apply to Unit Trust Investment?
Does Compound Interest Really Apply to Unit Trust Investment?
UNIT TRUST is an easy means of obtaining a spread of INVESTMENT. It is suitable for passive investor, who doesn’t want to, or doesn’t have extra time to invest their cash savings. For an investment capital to grow, we must not underestimate THE POWER of COMPOUND INTEREST what Einstein calls the “8th WONDER OF THE WORLD.”
Question from investor:
Does compounding interest really apply in unit trust? if so, can you show me how does it apply? If possible, please include how to forecast an investment in unit trust. For example, if I invest RM10,000 today in equity fund, what will i get in 20 years time? In fact, the answer can be “yes”, and also “no”. It depends on how you apply the power of compounding interest. If you know how to apply it, unit trust really shows you the power of compounding effect. If you are not mentally prepared, the power of compounding interest is just a myth.
What is the power of compounding interest?
Let’s look at the definition of compound interest:
Interest that accrues when earnings for a specific period are added to principal; thus interest for the following period is computed on the principal plus accumulated interest.
It means you don’t withdraw the interest earned from you capital. Just let the return stay in your investment account and let it compounds. Your next interest return will be calculated using the accrued principal plus interest.
For example, you save RM1,000 in a Fixed Deposit account giving you 4% interest return per annum. Provided that you don’t withdraw any sen from the account, your account balance will look like this:
After 10 years untouched, you will have a total of RM1480.24 in your FD account. If you keep the money there for another 10 years, it not only earns you another interest of RM480.24, but a total of RM1,191. Leave it there for 50 years, you will get a magnificent total of RM7,107.
The growth is exponential. The most interest earned is at the last few years. The exponential growth will be more significant towards the end.
How to “employ” compound interest?
Imagine you have a loyal employee called “compound interest”. He will work for you day and night non-stop. All you have to do is not to disturb him at work. Let him concentrate to do his job for you. At the end, he will definitely deliver the magnificent results for your hard earned money.
In order to enjoy the power of compound interest, make sure you provide the perfect working environment:
1. Start saving and INVESTING AS SOON AS POSSIBLE.
2. Let your savings and investment accrued and compound as long as possible
3. Try to get the best investment return with bearable risk
How to apply compound interest in unit trust investment?
No matter where you put your money, provided the money is still yours, compound interest will work for you. Consider the following places where you save your money
- under your pillow - compound interest still works, but with 0% interest rate.
- in saving account - compound within 1-2%
- in fixed deposit account - compound 2.5 % p.a.
- in unit trust - compound with a wider range, say -5% to 20%
- in shares - compound with an even wider range, say -50% to 100%
- in properties - hard to predict. If you buy a house that’s never completed, you lost your capital plus interest charges of your mortgage. However, some experienced property investors can get their money compounded many fold per annum.
But if you spend the money instead, I guarantee that compound interest won’t work for you anymore, because the money is no longer yours.
You can even use borrowed money to invest. For instance, you get a home loan to buy house, or borrow money from your parents to invest in stocks. If you manage to get a higher return than the interest charges, compound interest is working for you.
But if you borrow money to spend, compound interest is working against you. The harder it works, the poorer you are.
In order to let compound interest works its wonder in unit trust investment, you should:
1. Never repurchase your fund unit - let your capital stays in there as long as possible. When you want to lock the gain from time to time, use switching facility.
2. Review your portfolio performance regularly - make sure it is giving you positive return as often as possible
3. Invest as early as possible - start investing when you are still young. It will give you the longer term to invest and get through all the equity roller coaster ride when you reap the return at the end.
4. Invest as much as possible
5. Never get tempted to spend your earning - just leave your return in the fund. Forget about it! Leave it until you reach your financial freedom.
How much can you get from RM10,000 initial investment after 20 years?
Use the compound interest formula to calculates the value of a compound interest investment after ‘n’ interest periods.
FV = PV( 1 + i )n
where:
‘FV’ = Future value after ‘n’ interest periods.
‘PV’ = Present value of Principal, the amount invested at the start.
‘i’ = the interest rate applying to each period.
‘n’ = the number of interest periods (number of years for per annum computation)
From the reader’s question above,”If possible, please include how to forecast an investment in unit trust. For example, if I invest RM10,000 today in equity fund, what will i get in 20 years time?“. In this case,
PV = RM10,000
n = 20 years
i = whatever annualized return you think your equity fund can produce
When i = 10%
FV= RM67,275
When i = 15%
FV = RM163,665
When i = 25% (Hey, this is better than Warren Buffett’s portfolio, the world’s best investor)
FV = RM867,362
In fact, it depends on how your investment portfolio is doing for the long term. Sometimes an EQUITY can give you 40% return in a year. Sometimes it makes a loss of 30% in extreme bear market. If your portfolio can produce 15% return per annum consistently, that’s already marvelous.
Summary for Action
Through the power of COMPOUNDING, a small amount of money over time can grow into a substantial sum. Investments can increase in value over time - and the longer the time frame, the greater the value. This is achieved through returns that are earned, but not spent. When THE RETURN is reinvested, you earn a return on the return and a return on that return and so on. Therefore in order to benefit from the power of compounding returns, you must invest as much as possible, in a lump sum now! And keep on investing or saving whenever you got spare cash. Just don’t spend it!
INVEST NOW!
CALL ME WITH NO OBLIGATION,
ANUAR BIN ASPURI
UNIT TRUST CONSULTANT
+6019764 6651
WE ARE NOW IN BULL MARKET, NO DOUBT!
Info below taken from NST, Tue 11 Aug
1) MONEY SUPPLY, DERIVATIVES WILL CONTINUE TO BOOST EQUITIES
-We are in the bull market now NO DOUBT, but there will be corrections.
-Emerging market (CHINA & ASIA) shares will continue to outperform the US and global stocks
-More money are being supplied into the system by government and bank start to lend again.
-Share prices will be further boosted by the use of derivatives.
2) FULL RECOVERY WILL TAKE OVER 2 YEARS
3) GLOBAL ECONOMY CAN RECOVER IN NEXT 18 MONTHS
Investors can still find emerging markets, although you have missed the best buying chance at the end of last year;
For your further action:
11 november 2008 to 17 Aug 2009
OUR RETURN FOR ISLAMIC FUNDS;
Public Islamic Opportunties Fund – 41.54%
Public China Ittikal Fund – 44.44%
For more info visit www.publicmutual.com.my search at FUND PERFORMANCES
Do not miss the chance!
warm regards and at service;
ANUAR BIN ASPURI
UNIT TRUST CONSULTANT
+6019764 6651
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