All About Skim Pencaruman KWSP

Hiven

Pencarum rugi RM600j -- Melibatkan 80 peratus pelabur KWSP dalam unit amanah

Oleh SAIFULIZAM MOHAMAD


KUALA LUMPUR 5 Ogos

drasmadi

Hu hu hu ... nasib baik aku tk tergoda utk melabur walaupun dipujuk berpuluh kali hari tuh...

ahmad78

sebenarnya pelabur perlu tahu selok belok syarikat yang menguruskan dana pelaburan. tak semua syarikat yang rugi. contohnya, Public Mutual, AM Mutual, SBB Mutual.

kalau kita nakkan keuntungan utk sesuatu benda, memanglah kita memerlukan risiko. even kalau simpan duit di Fixed Deposit pun ada risiko. iaitu, risiko Inflasi. kalau setakat dapat pulangan 4%, kadar inflasi pun 4%, itulah risikonya. tak dapat apa-apa pulangan. cuma risiko nya kurang la sikit.

dess402

Originally posted by ahmad78 at 6-8-2006 07:57 AM
sebenarnya pelabur perlu tahu selok belok syarikat yang menguruskan dana pelaburan. tak semua syarikat yang rugi. contohnya, Public Mutual, AM Mutual, SBB Mutual.

kalau kita nakkan keuntungan u ...

tapi ini bukan risiko lagi ..  tapi dah tetap rugi .

adakah pernah buat untung sejak mahathir memerintah  ??

tunjuk laa kalo ader ..

ahmad78

petikan dari laman web public mutual; www.publicmutual.com.my

Public Mutual Declares Distributions for 4 Funds
  
KUALA LUMPUR 31 May 2006 - Malaysia's largest private unit trust company, Public Mutual declares gross distributions for four of its funds. The distributions declared are:

4.50 sen per unit to unitholders of the Public Ittikal Fund (P ITTIKAL). The closing price for P ITTIKAL's net asset value (NAV) on 26 May 2006 was 85.64 sen per unit.


4.00 sen per unit to unitholders of the Public Balanced Fund (PBF). The closing price for PBF's NAV on 26 May 2006 was 75.68 sen per unit.


1.50 sen per unit to unitholders of the Public Islamic Equity Fund (PIEF). The closing price for PIEF's NAV on 26 May 2006 was 30.62 sen per unit.


1.25 sen per unit to unitholders of the Public Dividend Select Fund (PDSF). The closing price for PDSF's NAV on 26 May 2006 was 25.69 sen per unit.
The above distributions declared are for financial year ending 31 May 2006.

Chief Executive Officer Lam Kam Yin said, P ITTIKAL which is an Islamic equity fund, is the winner of five (5) awards from The Edge-Lipper Malaysia Fund Awards 2006 and The Star/Standard & Poor's Investment Fund Awards Malaysia 2006. "It generated a one-year return of 15.94 percent for the period ended 12 May 2006, according to The Edge-Lipper Fund Table dated 22 May 2006," he said. The fund aims to achieve steady capital growth over the medium to long term period by investing in a portfolio of investments that complies with Syariah Principles.

PBF, on the other hand, is a balanced fund that won an award from The Star/Standard & Poor's Investment Fund Awards Malaysia 2006. The fund generated a one-year return of 13.59 percent for the period ended 12 May 2006, according to the same The Edge-Lipper Fund Table. PBF aims to provide a steady income and capital growth over the medium to long-term period.

Meanwhile, PIEF which is an Islamic equity fund, aims to achieve capital growth through a diverse selection of growth stocks that complies with Syariah Principles. PIEF generated a one-year return of 12.32 percent for the period ended 12 May 2006, according to The Edge-Lipper Fund Table dated 22 May 2006.

As for PDSF, it is an equity income fund that generated a one-year return of 13.38 percent for the period ended 12 May 2006, according to the same The Edge-Lipper Fund Table. PDSF aims to provide steady recurring income by investing in a portfolio of stocks which offer or have the potential to offer attractive dividend yields.

Public Mutual, a subsidiary of Public Bank, is the largest private unit trust company in Malaysia. It manages 29 funds for more than 800,000 accountholders. As at end April 2006, the company's total funds under management was over RM13.4 billion

ahmad78

Public Mutual Declares Distributions for 3 Funds
  
KUALA LUMPUR 31 July 2006 ? Malaysia? largest private unit trust company, Public Mutual declares gross distributions for three of its funds. The distributions declared are:

4.50 sen per unit to unitholders of the Public Bond Fund (P BOND). The closing price for P BOND? net asset value (NAV) on 27 July 2006 was 96.98 sen per unit.
4.00 sen per unit to unitholders of the Public Growth Fund (PGF). The closing price for PGF? NAV on 27 July 2006 was 51.06 sen per unit.
1.50 sen per unit to unitholders of the Public Islamic Opportunities Fund (PIOF). The closing price for PIOF? NAV on 27 July 2006 was 25.75 sen per unit.
The above distributions declared are for financial year ended 31 July 2006.

Public Mutual? Chief Executive Officer Lam Kam Yin said, P BOND which is a bond fund, is the winner of four (4) awards from The Edge-Lipper Malaysia Fund Awards 2006 and The Star/Standard & Poor? Investment Fund Awards Malaysia 2006. ?aunched in June 1996, P Bond generated a five-year return of 46.72 percent for the period ended 14 July 2006, according to The Edge-Lipper Fund Table dated 24 July 2006,? he said. The fund aims to provide a steady stream of income returns through investment in the money market and private debt securities. It is suitable for investors who have conservative risk-reward temperament who seek stability of annual income with some safety of principal.

PGF, on the other hand, is an equity fund that aims to achieve long-term capital appreciation with income considered incidental. Launched in December 1984, PGF generated a five-year return of 55.3 percent for the period ended 14 July 2006, according to The Edge-Lipper Fund Table dated 24 July 2006. It is suitable for investors who have moderate risk-reward temperament and can withstand extended periods of market highs and lows in pursuit of capital growth.

As for PIOF, it is a Syariah-based small cap fund which aims to achieve capital growth through investments in companies with market capitalisation of up to RM1.25 billion which comply with Syariah Principles. Launched in June 2005, PIOF generated a one-year return of 8.44 percent for the period ended 14 July 2006, according to The Edge-Lipper Fund Table dated 24 July 2006. It is suitable for investors who have aggressive risk-reward temperament and can withstand extended periods of market highs and lows in pursuit of capital growth.

Public Mutual is a wholly owned subsidiary of Public Bank. It manages 30 funds for approximately 800,000 accountholders. As at 28 April 2006, the company? total funds under management was over RM13.4 billion.

PrinceOfNorth

pasal ni le aku ragu2 je bila orang suh aku jadik unit trust agen.. sbb time untung.. orang tak puji pun.. time rugi.. kene kutuk giler.. berparang pun buleh..

marisa_anuar

[quote]Originally posted by Hiven at 6-8-2006 03:43 AM
Pencarum rugi RM600j -- Melibatkan 80 peratus pelabur KWSP dalam unit amanah

Oleh SAIFULIZAM MOHAMAD


KUALA LUMPUR 5 Ogos

Cakkkk....aaaa

Hehehe...pelab ur pun kenalah ada knowledge gak.....jangan main taram aje ikut kata agent....


Masuk ler yg reliable.....dan low risk.....


Dalam kes ni aku memang tak salahkan org lain selain pelabur itu sendiri....!!

norsha

hehhehe..

tu la payah kalo melabur tak ada knowledge..tak tahu risiko..

low risk..low return..low loss
high risk..high return..high loss

patut agent2 patut bagitau client mende tu..

tobby

Originally posted by Cakkkk....aaaa at 6-8-2006 10:33 AM
Hehehe...pelab ur pun kenalah ada knowledge gak.....jangan main taram aje ikut kata agent....


Masuk ler yg reliable.....dan low risk.....


Dalam kes ni aku memang tak salahkan org lain sel ...

malangnya ramai sangat agent yg perangkap customer dgn cara meyakinkan customer bahawa agent akan jaga portfolio & advice/uruskan segalanya tentang portfolio switch utk elakkan kerugian customer. so customer pun yakin ler dgn agent yg nampak mcm bijak pandai. so dlm membuat pelaburan unit trust ni jangan percaya langsung dgn agent sebab dia orang pun CARI MAKAN. kalau nak melabur jugak sebaik2nya jadilah SELF AGENT.

JANGAN PERCAYA TERUS DGN UNIT TRUST AGENT SEBAB MRK PUN MANUSIA JUGAK yg adakalanya pemalas & adakalanya rajin bekerja & adakalanya retorik utk cari makan.  So Better jadi SELF AGENT, ambil course/exam & jadilah certified agent & invest duit sendiri, baru selamat.  

kalau percaya bulat2 dgn agent jawabnya mampos!

stargate

Ako baru jer melabur ke Unit trust ni dalam 6 bulan, ader dapat faedah dari pelaburan tersebut tp kalau ako jual sekarang ni alamat ako rugi la. Memang kalau nak melabur sekurang-kurangnya 3 tahun baru bole ader keuntungan, tp tengoklah jugak pelaburan mana yg nak amik tuh..
Tp agen ako katala..kalau nak melabur laburlah masa ni sebab RMK9 baru nak bermula..
Ako melabur di PUBLIC MUTUAL kira tengok history Ok lah jugak.

tobby

Originally posted by stargate at 6-8-2006 10:52 AM
Ako baru jer melabur ke Unit trust ni dalam 6 bulan, ader dapat faedah dari pelaburan tersebut tp kalau ako jual sekarang ni alamat ako rugi la. Memang kalau nak melabur sekurang-kurangnya 3 tahun  ...

do not trust yr agent 100%. sendiri perlu learn & monitor. duit sendiri, sendiri kena monitor & decide the timing.

tobby

makin kecoh ni. Datuk Nordin & Profesor Datuk Hamdan Adnan  punya komen :  

http://www.utusan.com.my/utusan/ ... an&pg=mh_01.htm

premierleague

actually depends le pd pelabur. jgn main pakai taram je nak invest. sstgh agent mmg nak kaut untung dr komisen.dan diorang pun jarang terangkan risiko melabur dlm unit trust ni eventhough unit trust ni one kind of low risk investment. tp risiko ttp ada. plg selamat utk org2 bumiputra, korang melabur je le dlm ASB. beli RM1, jual RM 1. habis citer.

mysterio

kebanyakan orang kurang sabar dan mahu keuntungan cepat. sebab tulah ramai yg terperangkap dgn skim cepat kaya/ gores & menang. ada yg dah sedar tentang bahaya scam macam ni, diorang melabur dlm unit trust.tapi, unit trust biasanya utk jangka panjang. dan ada yg tak sabar, baru masuk, rugi terus nak abort.
sebaik-baiknya, jangan melabur wang kita tak mampu nak rugi. (only invest amount that you can afford to lose)

waksir

dlm unit trust ada byk jenis tabungan ....... so, ada yg pilih islamic ... risiko rendah tp untung rendah tp susah rugi or rugi sikit je. kalu yg progresif lak... untung tinggi tp risiko rugi pun tinggi. So, mmg betol, pelabur yg kena buat research sendri. jgn asik dok dengar cakap ejen je

zaizaa

mmg pun... kwsp tu duit simpanan tuk hari tua.. kalu dah dilaburkan n rugi apa la yg tinggal utk hari tua anda... bukan senang nak kumpul duit pada masa skrg, jadi hargailah simpanan yg ada di KWSP tu...

aku mmg xpercaya beno pada apa2 yg melibatkan agent sbb mostly diaorg tlatih utk mjual produk spt insurance @ unit trust.. ditambah dgn komisen dan ganjaran yg lumayan.

dwbh163

Dlm hal tersebut, pihak yg "bersalah" adalah KWSP sendiri sbb gagal memberi pulangan yg memuaskan kpd pencarum. Kalo KWSP memberi dividen yg tinggu, pencarum tentu tidak akan melabur kat unit trust. Oleh sbb dividen KWSP hanya melebihi kadar faedah FD dgn 1% lebih aje, maka mudahlah utk agent unit trust menjual produk mrk dgn pelbagai tarikan.

Yg ganjil, kenapa KWSP yg mempunyai berbilion $$$ tak mampu memberi dividen yg jauh melebihi kadar faedah FD? lebih baik mrk upah Warren Buffet sebagai penasihat.

kabukiman

konsep of capital preservation tidak memungkinkan mrk dpt beri pulangan lebih tinggi.

kebenaran utk unit trust investment sudah merupakan satu alternatif utk pencarum2 yg mahukan kadar pulangan tinggi berpadanan dgn risiko. and now the same pencarum yg 'mendambakan' sgt risiko tiba2 jadi risk averse pulok? :hmm:

fact is the pencarum is to blame: pulangan nak tinggi tapi risiko tak nak. not possible. sudah termakan klentong UT does not mean the pencarum hv a right of recourse to kwsp. pegi ler jumpa UT company tuh